vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management , LLC, and XXXX XXXX XXXX violated my right to privacy by disclosing debt information to my estranged XXXX. I was helping my toddler get ready for dinner when I received a text from my grandfather with a forwarded automatic text message from Credence. It stated my name, the last 4 digits of my account number, the amount owed of {$1400.00}, and that {$940.00} can resolve the account. I have said in the past to remove me from the call list even while in the hospital giving birth. My XXXX  has a past of not only using my personal information but other family members. He uses information as leverage against others and as a way to promote abusive behavior. I also received repeated calls in a single day which I believe constitutes harassment under the FDCPA. This disclosure placed me in emotional distress and potential danger. I did not authorize anyone to access or discuss my account, and this unauthorized communication represents a serious breach of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
While reviewing my credit report as I normally do, I suddenly noticed some discrepancies that werent there before. I refreshed my browser thinking it might be a temporary issue, but the inaccurate accounts still appeared. Due to this, Im requesting that the documents I submitted be carefully reviewed so I can finally stop stressing over this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are several inaccuracies on my report that needs immediate attention

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXXXXXX XXXX NCB XXXX XXXXXXXX XXXX PA XXXX To Whom It May Concern, I am writing in response to a collection notice I received from your agency on XX/XX/XXXX. Please be advised that I am requesting validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Pursuant to my rights under federal law, please provide the following information : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A copy of the original agreement or other documents proving that I am legally obligated to pay this debt ; 4. A complete accounting of how the amount was calculated ; 5. Proof that your agency is authorized to collect this debt on behalf of the creditor ; 6. The name and address of the original creditor, if different from the current creditor.

If you can not provide this information, you are required to cease collection efforts and correct any credit reporting related to this account. 

I request that all communication be in writing. Please do not contact me by phone. Also, until this debt is validated, you must cease collection activities, including reporting this debt to credit bureaus. 

This letter is not an acknowledgment of any debt or a promise to pay. It is a formal request for validation and verification. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
To whom it may concern : My name is XXXX XXXX, and I have received multiple threats from civil court attorneys. My personal information has been compromised, and an intruder has unlawfully entered my apartment in XXXX, XXXX. An activist has persistently engaged in the court system by leveraging the XXXX XXXX to pursue my private information. This activist has utilized their professional character to maintain their position while targeting both my son and me. The landlord used multiple of resource to share my information with other arbitrary parties that I did not consent, but continued to use those arbitrary parties to gain access of political votes to help the district or the council to enhance racial and social economic votes.This activist has leveraged their professional persona to uphold their stance while directing their efforts against both my son and myself. The landlord employed various resources to disseminate my information to other unrelated parties without my consent, yet persisted in utilizing these unrelated parties to secure political votes aimed at assisting the district or the council in improving racial and socio-economic voting outcomes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Just received a phone call from ( XXXX ) XXXX at XXXX on XX/XX/XXXXXXXX Received a call from ( XXXX ) XXXX at XXXX on XX/XX/XXXX. Received a call from ( XXXX ) XXXX at XXXX on XX/XX/XXXX. Received a call from ( XXXX ) XXXX at XXXX on XX/XX/XXXX. Received a call from ( XXXX ) XXXX at XXXX on XX/XX/XXXX. Received a call from ( XXXX ) XXXX at XXXX on XX/XX/XXXX. Received a call from ( XXXX ) XXXX at XXXX on XX/XX/XXXX. When looking up these numbers, they are tied to Midland Credit Management. No message is left and have yet to receive any type of written or verbal debt claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint to report TransUnions continued failure to respond lawfully and adequately to multiple disputes I submitted regarding inaccurate and potentially unverifiable information on my credit report. Despite previous notices and follow-ups, TransUnion has not taken corrective action nor provided a response that meets the legal standards required under the Fair Credit Reporting Act ( FCRA ). 

Instead of investigating the items in question, TransUnion has returned generic " verified '' statements without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes a violation of both : 1681i ( a ) failure to reinvestigate disputes reasonably, and 1681e ( b ) failure to ensure maximum possible accuracy of reported information. 

Disputed and Unresolved Items : Public Record XXXX XXXX XXXX  Furnisher : XXXX Case Number : XXXX Late Payment ( Closed/Paid ) Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Account Furnisher : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my prior disputes, TransUnion has failed to provide the following : The specific method and process used to verify each disputed account ; The name, title, and contact information of the furnishers involved ; Any documentation that was relied upon in verifying the disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter serves as my third formal notice regarding your ongoing failure to correct inaccurate and unverifiable personal information in my consumer file, as previously disputed under my rights afforded by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite providing you with the necessary documentation and a reasonable time frame in both prior disputes, you have continued to report incorrect personal data in violation of FCRA 1681i and 1681e ( b ). Your lack of corrective action constitutes not only noncompliance but also demonstrates willful neglect of your legal obligations.

Please be advised that under the FCRA : - You are required to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ), - Ensure the maximum possible accuracy of the information you report ( 15 U.S.C. 1681e ( b ) ), and- Delete or correct any information found to be inaccurate or unverifiable. 

Failure to respond within 15 days of receipt of this letter will leave me with no option but to escalate the matter by : 1. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office ; 2. Seeking relief through civil litigation under FCRA 1681n and 1681o for damages resulting from your continued noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: TX

Complaint narrative:
I'm unable to order a cash app card and I'm not understanding why I'm having to move my money to my bank which has a fee or if I'm not being charged to use my money I'm having to send my money to my significant others cash app or to family and friends I'm having to take my hard own money and I'm pretty much giving it away because cash app cant issue me a card I'm having to leave my money in other peoples hands I'm pretty much being robbed blind

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally dispute the accuracy of information being reported on my credit file regarding the following account : Creditor Name : XXXX XXXX  Reported Balance : {$1400.00} This account was charged off and canceled, and I received a Form 1099-C ( Cancellation of Debt ) from XXXX XXXX  XXXX which is attached. According to the IRS and federal tax code, the issuance of a 1099-C indicates the creditor has discharged the debt and treated it as canceled income. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( a ) ), furnishers of information are required to report accurate and complete data. Reporting a canceled debt as still owed is inaccurate, misleading, and harmful to my credit.

I request that you immediately delete or update this tradeline to reflect a XXXX balance and note it as canceled or forgiven. Please investigate this matter and provide the results within 30 days as required under FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was in the XXXX XXXX  data breach and there are some things I dont recognize XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused me significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX Amount : {$5900.00} XXXX XXXX ) XXXX  XXXX Amount : {$460.00} XXXX XXXX ) XXXX  XXXX Amount : {$230.00} XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : {$50000.00} XXXX INCORRECT ADDRESSES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation