vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: PR

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

XXXX XXXXXXXX

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 2025-04-20 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the status and reporting of an account listed as XXXX XXXX on my credit report, which is associated with XXXX XXXX XXXX XXXX . The closure or reporting of this account has negatively affected my credit profile, and to date, I have not received any documentation justifying the action taken. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to accurate and verifiable information regarding any data furnished to consumer reporting agencies. Furthermore, in accordance with the Doctrine of Estoppel by Silence, as cited in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, your failure to respond to a proper request for information where there exists a legal duty to do so may be deemed an admission. Therefore, I must presume that no substantiated basis exists for the current reporting or status of this account.

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 2025-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I was coerced into signing a backdated lease rider after the primary leaseholder at my former apartment unit harassed me through repeated phone calls to myself, my family, and even my workplace. Under pressure and without legal counsel, I signed the rider, which was then used to transfer full financial responsibility for the unit to meeven though I had never been a leaseholder prior to that moment. I disputed the document in writing with the property management office within days, asking that it be voided due to duress. My request was ignored, and a few months later, a collection account for over {$2500.00} was placed on my credit report by National Credit Systems. 

I am not legally responsible for the debt. The contract was signed under duress, making it voidable under contract law. The agreement was not voluntary, and I did not have the opportunity to review or negotiate the lease terms. Furthermore, the collection agency verified the debt without considering the evidence I provided or investigating my dispute fully. 

Additionally, I was living in Kentucky at the time the lease agreement claims I became a tenant ( XX/XX/XXXX ). I had no legal or physical presence at the XXXX apartment at that time and was not part of the lease. The rider was signed on XX/XX/XXXX, under pressure, but it was backdated to make it seem as though I had been a tenant months earlier. This was not only coerciveit was factually false and misrepresented my actual occupancy and responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: AZ

Complaint narrative:
My name is XXXX XXXX, my Social Security XXXX is XXXX, my date of birth is XXXX. This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 collections account opened at XXXX XXXX XXXX XXXX on XX/XX/2024 under the account number XXXX. I've attached the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account or collections as reported. The aforementioned account and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that the aforementioned consumer credit account and collections 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 2025-04-20 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: GA

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reporting that i have been a victim of identity theft. I am providing this report as part of the process to dispute and remove these fraudulent entries from my credit file and to inform the involved financial institutions of the unauthorized activity. 

Per 15 U.S.C. 1681c-2, I am requesting that each of these fraudulent entries be permanently blocked from appearing on my credit file. 

. XXXX  XXXX Credit Card : Collection Charge Off of {$1300.00}. XXXX XXXX : Collection Charge Off of {$37000.00}. XXXX XXXX XXXX : Collection Charge Off of {$690.00}. XXXX XXXX XXXX : Collection Charge Off of {$140.00} I affirm that the information provided in this report is accurate to the best of my knowledge. I understand that this report may be used by credit reporting agencies to assess the situation.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
b'The following inquires from experian are fradulent: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nThe following inquires from Equifax are fradulentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nhello the following inquiries are fraud from transUnions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
b'The following inquires from experian are fradulent: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nThe following inquires from Equifax are fradulentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nhello the following inquiries are fraud from transUnions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-20 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: TX

Complaint narrative:
I recently looked at my credit report noticed a number of unauthorized in inquiries on my credit profile. These inquiries consist of the following : Inquiries : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX OF XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian Inquiries XXXX XXXX XXXX, XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX CRE XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX VIA XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax Collections Accounts : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Transunion, Experian, Equifax. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Experian, Equifax, Transunion.

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 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
They violated my right as consumer under 15 usc 1681b and i need this account blocked and deleted off my credit report as soon as possibble XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number for the loan : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to express my concerns regarding the denial of my dispute for {$50.00} by Regions Bank. My account was charged by a XXXX company, and despite having previously conducted business with this company without issue, I was defrauded after sending the company {$50.00} in an attempt to double my money. Under Regulation E, I should be protected against such fraudulent transactions, as this was an unauthorized charge. 

I am currently facing severe financial hardship as my XXXX son and I are living in a motel, struggling to make ends meet. That {$50.00}, while it may seem insignificant to others, is crucial for us as we are at risk of facingXX/XX/XXXX as early as Monday. This small amount could make the difference between securing a roof over our heads and being left without shelter. 

The denial of my dispute without due consideration has exacerbated my distress, and I am now reporting the Region 's Bank location at XX/XX/XXXXXXXX. I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this denial and lack of protection. 

I hope this matter will be reviewed in a fair and compassionate manner, as the denial of this refund has placed us in an even more vulnerable position.I do have the date of the fraud, which was XX/XX/year>. Its also in my bank statement. 

Sincerely, 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 2025-04-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-20 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: MS

Complaint narrative:
Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make consumer report containing any of the following items 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 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 non-monetary relief
Consumer complaint received 2025-04-20 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: MS

Complaint narrative:
Account Name : Kikoff Lending LLC Account Number : XXXX Kikoff Lending LLC has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make consumer report containing any of the following items 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion has this account as duplicated on my account XXXX is deleted the same account is still showing negative please delete the second account. 


Duplicate Account Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Duplicate Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report. After reviewing my report, I have noticed that XXXX or more accounts are being reported twice under different account numbers or creditors, which negatively impacts my credit score.The accounts in question are duplicates and should be removed to reflect accurate and fair reporting. Below are the details : Duplicate accounts XXXX XXXXXXXX XXXX ACCOUNT STATUS NEGATIVE BALANCE {$3500.00} : Duplicate ListingThis duplication is an error and violates the Fair Credit Reporting Act ( FCRA ) Section XXXX, which gives consumers the right to dispute inaccurate information and request an investigation.Please investigate these accounts and remove the duplicate listing ( XXXX ) as soon as possible. Enclosed are copies of my credit report with the duplicate entries highlighted for your reference.Please provide me with a written response detailing the outcome of your investigation within the XXXX time frame required by 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 non-monetary relief
Consumer complaint received 2025-04-20 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:
experian sent me a fraud alert and i contacted experian to let them know that i did not approve of the inquiries reported in my name and experian report # XXXX. 
on XXXX XXXX  XXXX  and on XXXX XXXX XXXX requested a view of my crdit profile both or not mine i have a id thief claim attached

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 2025-04-20 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and seek a fair resolution regarding the closure of my account with XXXX XXXX , XXXX, which is currently being reported to the credit bureaus. This closure has negatively affected my credit score and profile, despite there being no indication of default, missed payments, or contractual breach on my part. 

To date, I have not received any valid documentation explaining or justifying the closure of this account. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to accurate, verifiable, and complete information concerning my credit file. Additionally, under the Doctrine of EstoppeXXXX by Silence, as recognized in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, a failure to respond where there is a legal duty to do so constitutes an admission. Therefore, I must presume that no valid reason or verifiable record supports the closure of this account.

Company response to consumer: Closed with explanation