vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: Kikoff Inc.
State: MO

Complaint narrative:
XXXX XXXX Reported without my consent on XX/XX/XXXX Amount- {$140.00} KIKOFF LENDING, LLC- Reported without my consent on XX/XX/XXXX Amount- {$22.00} XXXX XXXX Reported without my consent on XX/XX/XXXX and XX/XX/XXXX. States it's " paid off and closed '' but I did not authorize this. 
XXXX XXXX XXXX ( Original creditor : XXXX ) - Reported without my consent on XX/XX/XXXX Amount- {$140.00} XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX cross XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Amount- {$1100.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) Reported without XXXX XXXX XXXX XX/XX/XXXX Amount- {$640.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) Reported without my consent on XX/XX/XXXX Amount {$900.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Reported without my consent XXXX XX/XX/XXXX Amount- {$6300.00} XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX  ) Reported without my consent on XX/XX/XXXX amount of {$200.00} XXXX XXXX- Reported without my consent XXXX Amount- {$62.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
I have never heard anything from this company mail or otherwise come to find out there is a lady with the same name as me in XXXX XXXX XXXXXXXX had her information removed from my credit report had her phone number her address. Everything was on my credit report. I think this is where This is her debt and not mine company will not send me anything to validate the debt in writing found them on my credit report hand wrote a letter to find out any information company never sent me back anything to dispute so I dont owe this and there is XXXX things on my credit report from this company. I can tell you the ladys name is XXXX XXXX. She lives XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. This needs to be removed from my credit report both account accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
The creditor promised me that if I paid, they would ask all three credit bureaus to remove the charge-off account. 
Account XXXX. XXXX They haven't complied with the agreement and that account continues to harm me. 
I have the payment receipt sent by them.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Transunion 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 a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXX Collection/Chargeoff XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Collection/Charge of- {$31000.00} XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXXCollection/Charge off COLLECTIONS 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report . I've attached a list of collections and charge-offs in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint against XXXX XXXX for severe violations of the Fair Credit Reporting Act ( FCRA ), Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ), and potentially contract and consumer fraud. 

I entered into an auto loan with XXXX XXXX in XX/XX/XXXX for approximately {$16000.00}, with a {$1500.00} down payment and a monthly payment of {$410.00}. Over nearly XXXX years, I consistently made my monthly payments as agreed. 

Despite this, XXXX XXXX failed to properly apply my payments toward my loan balance. They inaccurately applied my payments at the beginning to the interest not to the principal balance, disregarding the nearly XXXX XXXX in payments I made over XXXX years. The payment history they reported was chaotic, incorrect, and missing payments their own internal records reflected errors. 

In early XXXX, XXXX illegally repossessed my vehicle despite these payments. After repossession, they sent me a Notice of Sale but the notice wrongfully reflected a remaining balance based on the original loan amount without accounting for any of the payments I made over the prior XXXX years. 

Even worse, after the sale of the vehicle, XXXX temporarily applied the sale proceeds toward the loan, then removed them, returning the balance back to an inflated number. They are now reporting to the credit bureaus that I still owe over {$11000.00} as though I never made any payments, and as though the repossession sale never occurred. 

They continue to falsely report monthly that I am delinquent, late, and missing payments on an account for a car they repossessed and sold. This is blatantly false, deceptive, and materially inaccurate reporting in direct violation of FCRA 607 ( b ) and 611 ( a ). 

I contacted XXXX XXXX and requested : A full, accurate accounting of all payments made and how they were applied. 

A detailed breakdown of the repossession sale, including the sale price and how it was applied to the loan. 

Correction of the false balance of XXXX XXXXXXXX being reported to the credit bureaus. 

XXXX removal of false monthly late payment reporting that continues even after the repossession and sale. 

XXXX has refused to provide a legally sufficient response, continues to report grossly inaccurate, fraudulent information, and is damaging my credit by misrepresenting my payment history, balance, and account status.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint against XXXX XXXX for severe violations of the Fair Credit Reporting Act ( FCRA ), Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ), and potentially contract and consumer fraud. 

I entered into an auto loan with XXXX XXXX in XX/XX/XXXX for approximately {$16000.00}, with a {$1500.00} down payment and a monthly payment of {$410.00}. Over nearly XXXX years, I consistently made my monthly payments as agreed. 

Despite this, XXXX XXXX failed to properly apply my payments toward my loan balance. They inaccurately applied my payments at the beginning to the interest not to the principal balance, disregarding the nearly XXXX XXXX in payments I made over XXXX years. The payment history they reported was chaotic, incorrect, and missing payments their own internal records reflected errors. 

In early XXXX, XXXX illegally repossessed my vehicle despite these payments. After repossession, they sent me a Notice of Sale but the notice wrongfully reflected a remaining balance based on the original loan amount without accounting for any of the payments I made over the prior XXXX years. 

Even worse, after the sale of the vehicle, XXXX temporarily applied the sale proceeds toward the loan, then removed them, returning the balance back to an inflated number. They are now reporting to the credit bureaus that I still owe over {$11000.00} as though I never made any payments, and as though the repossession sale never occurred. 

They continue to falsely report monthly that I am delinquent, late, and missing payments on an account for a car they repossessed and sold. This is blatantly false, deceptive, and materially inaccurate reporting in direct violation of FCRA 607 ( b ) and 611 ( a ). 

I contacted XXXX XXXX and requested : A full, accurate accounting of all payments made and how they were applied. 

A detailed breakdown of the repossession sale, including the sale price and how it was applied to the loan. 

Correction of the false balance of XXXX  XXXX being reported to the credit bureaus.

Immediate removal of false monthly late payment reporting that continues even after the repossession and sale. 

XXXX has refused to provide a legally sufficient response, continues to report grossly inaccurate, fraudulent information, and is damaging my credit by misrepresenting my payment history, balance, and account status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I am submitting this complaint against XXXX XXXX for severe violations of the Fair Credit Reporting Act ( FCRA ), Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ), and potentially contract and consumer fraud. 

I entered into an auto loan with XXXX XXXX in XX/XX/XXXX for approximately {$16000.00}, with a {$1500.00} down payment and a monthly payment of {$410.00}. Over nearly XXXX years, I consistently made my monthly payments as agreed. 

Despite this, XXXX XXXX failed to properly apply my payments toward my loan balance. They inaccurately applied my payments at the beginning to the interest not to the principal balance, disregarding the nearly XXXX XXXXXXXX in payments I made over XXXX years. The payment history they reported was chaotic, incorrect, and missing payments their own internal records reflected errors. 

In early XXXX, XXXX illegally repossessed my vehicle despite these payments. After repossession, they sent me a Notice of Sale but the notice wrongfully reflected a remaining balance based on the original loan amount without accounting for any of the payments I made over the prior XXXX years. 

Even worse, after the sale of the vehicle, XXXX temporarily applied the sale proceeds toward the loan, then removed them, returning the balance back to an inflated number. They are now reporting to the credit bureaus that I still owe over {$11000.00} as though I never made any payments, and as though the repossession sale never occurred. 

They continue to falsely report monthly that I am delinquent, late, and missing payments on an account for a car they repossessed and sold. This is blatantly false, deceptive, and materially inaccurate reporting in direct violation of FCRA 607 ( b ) and 611 ( a ). 

I contacted XXXX XXXX and requested : A full, accurate accounting of all payments made and how they were applied. 

A detailed breakdown of the repossession sale, including the sale price and how it was applied to the loan. 

Correction of the false balance of XXXX XXXXXXXX being reported to the credit bureaus.

Immediate removal of false monthly late payment reporting that continues even after the repossession and sale. 

XXXX has refused to provide a legally sufficient response, continues to report grossly inaccurate, fraudulent information, and is damaging my credit by misrepresenting my payment history, balance, and account status.

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 2025-06-28 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:
To Whom It May Concern, I am submitting this formal complaint against Experian for repeated and severe violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and for failure to ensure accurate, fair, and substantiated consumer credit reporting. 
Despite multiple attempts to correct my report, Experian has continued to report inaccurate addresses, accounts, and inquiries, which are severely damaging my credit profile and standing. 
Disputed Addresses Reported by Experian ( Incorrect & Unauthorized ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Issue : These addresses are not associated with me and have never been my residence. 
Violation : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

Story : These addresses are appearing on my report without my knowledge or authorization. They are contributing to mixed files and misrepresentation of my identity. 
Unauthorized Inquiry : XXXX XXXX Date : XX/XX/year> Issue : This is a hard inquiry that I did not authorize. 
Violation : FCRA 1681b ( c ) Permissible purpose requirement for credit inquiries. 
Story : I never applied for credit or services from XXXX XXXX XXXX The appearance of this inquiry on my file is harming my credit score and reflects a breach of my consumer rights under federal law. 
Experians Systemic Failures : Failure to investigate disputes in good faith. 
Continued reinsertion of inaccurate and unverifiable information. 
Misattribution of data, causing reputational and financial harm. 
Inadequate identity verification resulting in mixed files.

Violations of Federal Law : 1. FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation.

2. FCRA 1681b ( f ) Obtaining and using credit information without a permissible purpose.

3. FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

4. FCRA 1681c Inclusion of outdated or irrelevant information.

5. FCRA 1681g Failure to provide complete and accurate disclosure of information in consumers file upon request.

Requested Relief : I respectfully request the CFPB to : 1. Investigate Experians repeated FCRA violations concerning the inaccurate addresses and unauthorized inquiry listed above.

2. Require deletion of the wrong addresses and unauthorized inquiry from my credit file.

3. Impose penalties for non-compliance and failure to reasonably investigate my disputes.

4. Require Experian to provide a corrected copy of my credit report after proper reinvestigation.

Thank you for your attention to this serious matter. I respectfully request a thorough investigation and appropriate enforcement action against Experian to restore the integrity of my credit file.

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 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have explained to the company that I have never applied for any product or service that they provide. I explained that my personal information was found on the dark web that came from a data breach a couple of years ago. I also explained that I filed for XXXX XXXX bankruptcy earlier this years and that I was not allowed to apply for any new loans or lines of credit without approval. I asked what product or anything was received through the transaction and I explained that I do not own that device and that I have not been to the business that they are claiming was the one that sold the device. I explained the I do in fact own several devices from XXXX and that I have the receipts where I paid for each one minus my phone which in on contract through the phone carrier that I have. I asked them for proof of signature or any information that can prove it was me that picked this item up or actually signed up for the lease. Nothing has been provided. They call me multiple times a day all day and even on weekends after I block the number. I emailed a cease and desist letter and they still continue to call and harass.

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 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
This company is adversely affecting me as a XXXX XXXX XXXX  vulnerable person by reporting inaccurate past information to the Credit bureau and XXXX, preventing me from being able to open a bank account by reporting a past charge.

Company response to consumer: Closed with explanation