vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
i requiestred full and complete validation of this debt. Specifically, please provide the following : XXXX. The amount of the alleged debt, including a full breakdown of any fees, interest, or other charges ; XXXX. The name of the original creditor and the original account number ; XXXX. A copy of the original contract or agreement bearing my signature, or other evidence that I am legally obligated to pay ; XXXX. Documentation that proves you are authorized to collect on behalf of the original creditor, including a copy of any assignment or transfer of the debt ; XXXX. A copy of any judgment, if applicable ; XXXX. The name and address of the original creditor if different from the current one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
My credit was exposed to the data breach I did not authorize these inquiries

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 2025-06-08 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: NY

Complaint narrative:
Hi, CFPB. Thank you for taking the time to address my concerns. Recently, I was reviewing my consumer report and noticed various inaccuracies and unauthorized accounts that have been furnished on there. Please note that I haven't given anyone permission to access my credit report or profile. Im requesting that the following accounts be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive also sent the proper documentation to XXXX XXXX, & Equifax attached and notarized an FTC & An Identity theft report affidavit. Please take note that Im a victim of Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: NJ

Complaint narrative:
On three different occasions someone fraudulently filed three unemployment/family leave claims through New Jersey Department XXXX XXXX and XXXX XXXX XXXX The first claim for temporary XXXX leave date unknown, first family leave claim was XX/XX/XXXX, and the second claim was XX/XX/XXXX. I discovered the fraud the week of XX/XX/XXXX when I attempted to file for XXXX XXXX benefits. I filed a police report on XX/XX/XXXX and submitted an Identity Theft Report via XXXX on XX/XX/XXXX. 

The imposter attempted to collect an unknown amount in benefits. I have incurred harm due to the delay in my real claim and stress from this event. 

I have also attempted inform and report identity theft and fraud with Experian, TransUnion, Equifax and the Social Security Administration as precaution. I was denied access via phone and online disputes and was informed by Transunion via phone via automated service to mail in disputes and reports. I was also denied applying for a new social security number and name correction on ssc and having my documents reviewed by the clerk at the Social Security XXXX in XXXX NJ on XX/XX/XXXX I request that the CFPB review this issue and ensure this activity is permanently corrected and prevent future misuse of my identity. I request that you block the reporting of the fraudulent information within four business days, as mandated by FCRA 605B. Please also notify the furnishers of this information about the block.

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 2025-06-08 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: NJ

Complaint narrative:
On three different occasions someone fraudulently filed three unemployment/family leave claims through New Jersey Department XXXX XXXX and XXXX XXXX XXXX The first claim for temporary XXXX leave date unknown, first family leave claim was XX/XX/XXXX, and the second claim was XX/XX/XXXX. I discovered the fraud the week of XX/XX/XXXX when I attempted to file for XXXX XXXX benefits. I filed a police report on XX/XX/XXXX and submitted an Identity Theft Report via XXXX on XX/XX/XXXX. 

The imposter attempted to collect an unknown amount in benefits. I have incurred harm due to the delay in my real claim and stress from this event. 

I have also attempted inform and report identity theft and fraud with Experian, TransUnion, Equifax and the Social Security Administration as precaution. I was denied access via phone and online disputes and was informed by Transunion via phone via automated service to mail in disputes and reports. I was also denied applying for a new social security number and name correction on ssc and having my documents reviewed by the clerk at the Social Security XXXX in XXXX NJ on XX/XX/XXXX I request that the CFPB review this issue and ensure this activity is permanently corrected and prevent future misuse of my identity. I request that you block the reporting of the fraudulent information within four business days, as mandated by FCRA 605B. Please also notify the furnishers of this information about the block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: MI

Complaint narrative:
I never gave Kikoff any permission to furnish my non public personal information to XXXX XXXX XXXX XXXX. This is identity theft and invasion of my privacy under the FCRA and Gramm leach biley act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accountsXXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding a negative item reported by XXXX on my credit report through Experian and/or XXXX. I was never notified of the delinquent balance or any payment issues because XXXX was sending billing notifications to an email address I no longer have access to. That email account is XXXX my estranged mother still controls due to how the XXXXXXXX XXXX was originally set up. I have no ability to access that account or receive those alerts. 

I provided XXXX with screenshots proving I do not have access to the email that received notifications and that I was unaware of the balance. I never received a phone call, text, or notice through the XXXX XXXX or payment interface on my devices. Once I became aware, I paid the balance immediately and asked XXXX to request a goodwill deletion from the credit bureaus based on the unique and unfair circumstances. 

XXXX refused to consider my request and falsely told me to contact XXXX directly, even though they know XXXX can not remove any information without the creditors authorization. XXXX also claimed no one else could assist me further and that they would not escalate my request. 

I am not disputing the charge itselfIm asking for a goodwill removal due to the fact that I had no opportunity to resolve the balance before damage was done to my credit score. This issue dropped my Experian score by XXXX points and could negatively affect pending vehicle financing and future housing. I have been extremely transparent, cooperative, and respectful in my attempts to resolve this. 

I am requesting that XXXX be directed to submit a goodwill deletion request to the credit bureaus, or remove the item themselves, given the lack of proper notice and the lasting harm caused by their refusal to assist.

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 2025-06-08 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: IL

Complaint narrative:
On XX/XX/XXXX I went to a local pet shop to purchase a dog or at least that what I thought. Anyway, the pet shop owner assisted with the online contract that was from a lender called XXXX XXXX, who before my first payment was due transferred it to XXXX XXXX XXXX. The puppy I purchased from the XXXX XXXX was {$3500.00}. XXXX XXXX charged me {$8100.00} for the dog which I found out later on a TILA agreement that this was a lease and not a loan when On XX/XX/XXXX XXXX XXXX XXXX set me a copy of the loan or lease agreement via email, because I didn't receive a paper copy and one was not provided to me by email or text. Anyhow, I got behind on the direct payments and my account went into collections. In the meantime I tried contacting government agencies to find out my rights and options concerning this contract with the new information I gathered regarding my loan with an unlicensed pet shop who sold and assisted in getting me in a predatory contract in Illinois. I wanted to know how this would have pertain to my situation to no avail. Now it's almost been 5 years and I have XXXX XXXX XXXX XXXX XXXX reporting {$6600.00} as a high balance and as a balance due and states that XXXX XXXX XXXX as the Orginal Creditor. When I contacted XXXX XXXX  XXXX XXXX XXXX I spoke with a XXXX XXXX who told me that when I decide to take responsibility for my account is when I can give him a call back concerning my account and hung up on me.

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 2025-06-08 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:
Subject : Failure by Experian to Remove Fraudulent/Merged Foreclosure from Credit File To Whom It May Concern, I am writing to file a complaint against Experian for

failing to properly investigate, block, and remove a fraudulent and/or merged mortgage foreclosure from my credit file. Despite submitting formal disputes and supporting documentation, Experian has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681c-2.
This inaccurate foreclosure is not mine and is negatively impacting my credit and financial well-being. I respectfully request the CFPBs assistance in ensuring Experian fully investigates and promptly removes this erroneous entry from my credit report.

Thank you for your attention to 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 2025-06-08 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: SC

Complaint narrative:
Subject : Failure by XXXX  to Remove Fraudulent/Merged Foreclosure from Credit File To Whom It May Concern, I am writing to file a complaint against XXXX  for failing to properly investigate, block, and remove a fraudulent and/or merged mortgage foreclosure from my credit file. Despite submitting formal disputes and supporting documentation, XXXX  has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ), inclu

ding 15 U.S.C. 1681i and 1681c-2. This inaccurate foreclosure is not mine a
nd is negatively impacting my credit and financial well-being. I respectfully request the CFPBs assistance in ensuring XXXX  fully investigates and promptly removes this erroneous entry from my credit report.

Thank you for your attention to 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 2025-06-08 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:
XXXX XXXX SUPERVISOR ESCALATION ( CFPB Supervisor Filing # XXXX ) Prior CFPB Cases : XXXX XXXX XXXX XXXX XXXX Summary : XXXX  XXXX continues to furnish : Improper charge-off re-aging. 

Conflicting DOFD reporting across Experian, Equifax, and TransUnion. 

Monthly CO updates long after closure date of XX/XX/year>. 

Violations of Metro 2 format. 

Incorrect high balance reporting. 

This creates artificial derogatory updates that are suppressing my credit scores and inaccurately extending derogatory reporting timelines in violation of : FCRA 623 ( a ) ( 2 ) FCRA 623 ( a ) ( 5 ) FCRA 611 Metro 2 data standards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
XXXX XXXX SUPERVISOR ESCALATION ( CFPB Supervisor Filing # XXXX ) Prior CFPB Cases : XXXX XXXX XXXX XXXX XXXX Summary : XXXX  XXXX continues to furnish : Improper charge-off re-aging. 

Conflicting DOFD reporting across Experian, Equifax, and TransUnion. 

Monthly CO updates long after closure date of XX/XX/year>. 

Violations of Metro 2 format. 

Incorrect high balance reporting. 

This creates artificial derogatory updates that are suppressing my credit scores and inaccurately extending derogatory reporting timelines in violation of : FCRA 623 ( a ) ( 2 ) FCRA 623 ( a ) ( 5 ) FCRA 611 Metro 2 data standards

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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capitol one and XXXX XXXX are reporting cards I never had or authorized to the credit bureau and

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX  {$800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$710.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$550.00} XX/XX/XXXX NOT PROVIDED XXXX XXXX XXXX  {$750.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXXXXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX - XX/XX/XXXX Equifax, XXXX - XX/XX/XXXX Equifax, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Experian, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXXXX/XX/XXXX Equifax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXXXX/XX/XXXX Equifax 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX  {$800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$710.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$550.00} XX/XX/XXXX NOT PROVIDED XXXX XXXX XXXX  {$750.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXXXXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX - XX/XX/XXXX Equifax, XXXX - XX/XX/XXXX Equifax, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Experian, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXXXX/XX/XXXX Equifax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXXXX/XX/XXXX Equifax 15 U.S.C, 1681section 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 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 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