vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I take my financial privacy very seriously, so I was frustrated to see multiple inquiries from your company on my credit report that I never authorized. I have never applied for anything with your company, and I have no idea why these inquiries are showing up.

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 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On or around about XX/XX/year>XXXX  I contacted Capital One. 

" I requested validation of this debt, and no proof has been provided within the required timeframe under FDCPA Section 809 ( b ). I dispute its validity and request its removal. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and 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 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KLS Financial Services, Inc
State: TX

Complaint narrative:
This was a daycare that I paid in cash the last tuition bill. Disputed multiple times and provided documentation and they wont remove it.

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 2025-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  has open a account on in my name using fraud. 
I have attached a police report of the ID theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
For about 9 years there has been a credit card listed on my report that i never opened. This account has been used fraudulently resulting in a large balance reported on my credit report. The account " XXXX XXXX was opened on XX/XX/XXXXXXXX  with a balance of {$22000.00}. I first discovered this back in XXXX. I had no knowledge of this account prior.

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 2025-03-20 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: U.S. BANCORP
State: CA

Complaint narrative:
I currently have a XXXX  account, but on my credit report, its showing that i have a collection account from XXXX in collection. Per 605b, this account does not belong to me and is a fraudulent account. Please start an investigation and delete this account from my credit report. 
The company that is reporting is the following : ( 1 ) XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Amount : {$3200.00} Original Creditor : XXXX  ( 2 ) XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00}

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 2025-03-20 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: NY

Complaint narrative:
I am filing a complaint regarding multiple debt collectors who are repeatedly submitting debts ( that they have not provided any legal proof I owe these debts in the first place ) to Equifax with updated " Date reported '' entries, while keeping the same " Date of First Delinquency '' for each account. This is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing significant damage to my credit report, these actions appear to be a form of re-aging the debts illegally. Additionally, to re-iterate, I have not received any valid proof from these debt collectors that this debt is legally mine. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt and as of now, the collectors have failed to provide sufficient evidence to confirm my responsibility for the debt. 

Debt collector # 1 : Debt Collector " XXXX XXXX XXXX '' has been reporting the debt with an updated " Date Reported '' of XX/XX/XXXX while maintaining the original " Date of First Delinquency '' as XX/XX/XXXX Debt collector # 2 : Debt Collector " XXXX XXXX XXXX '' has been reporting the debt with an updated " Date Reported '' of XX/XX/XXXX while maintaining the original " Date of First Delinquency '' as XX/XX/XXXX Debt Collector # 3 : Debt Collector " XXXX XXXX XXXX XXXX '' has been reporting the debt with an updated " Date Reported '' of XX/XX/XXXX while maintaining the original " Date of First Delinquency '' as XX/XX/XXXX Debt Collector # 4 : Debt Collector " XXXX XXXX, XXXX '' has been reporting the debt with an updated " Date Reported '' of XX/XX/XXXX while maintaining the original " Date of First Delinquency '' as XX/XX/XXXX Additionally, I also currently have active disputes ongoing via Equifax for all these debt collectors. I have also already been contacted by one of these debt collectors " XXXX XXXX XXXX '' AFTER submitting my dispute with Equifax and while it is also " Under Investigation '' status on Equifax, I have submitted that complaint under Complaint ID XXXX. 

P.S See screenshots attached for evidence of date discrepancies and illegally updating dates reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

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 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

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 2025-03-20 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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 non-monetary relief
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Reference Original Complaint : CFPB Complaint # XXXX I am filing a new complaint against Concora Credit Inc. for retaliatory debt collection actions, deceptive trade practices, and violations of federal consumer protection laws following my previous CFPB dispute. 
Issue : Retaliatory Sale of a Disputed Debt & Immediate Harassment by Debt Collectors Concora Credit Inc. was investigated by the CFPB for nearly six months regarding unlawful payment restrictions, coercion to store banking information, and XXXX violations. 
To resolve the complaint, they : Deleted the tradeline from my credit report. 
Wrote off the balance. 
Acknowledged the CFPB dispute resolution. 
However, before I even received Concora Credit Inc.s final response on XX/XX/2025, I was already being aggressively harassed by a third-party debt collector ( XXXX XXXX XXXX XXXX attempting to collect on the same deleted and disputed debt. 
This is clear retaliation for filing a CFPB complaint, and Concora Credit Inc. had no legal right to sell this debt after the dispute was resolved. 
Violations by Concora Credit Inc . 
1. Retaliation for Filing a CFPB Complaint Selling a disputed debt immediately after removing it from credit bureaus is an intentional act of retaliation, violating Dodd-Frank Act, 12 U.S.C. 5567, which prohibits adverse actions against consumers for filing CFPB complaints. 
2. Contradictory Statements in Their CFPB Response Concora Credit Inc. claimed the debt was resolved, written off, and deleted from my credit report. 
Yet, they reserved the right to sell the debt later, proving they never intended to honor their agreement in good faith. 
3. Fair Credit Reporting Act ( FCRA ) Violation A debt that was deleted should NOT have been sold.

The sale violates FCRA ( 15 U.S.C. 1681s-2 ( b ) ), which prohibits inaccurate credit reporting and re-aging of debts. 
4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Violation Concora Credit Inc. engaged in deceptive practices by removing the tradeline while secretly planning to sell the debt, misleading both me and the CFPB.

This violates 12 U.S.C. 5531, which prohibits unfair and deceptive trade practices. 

Reference Original Complaint : CFPB Complaint # XXXX Concora Credit Inc. has proven they can not be trusted to handle disputes in good faith. I request immediate intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I am formally disputing several unauthorized and unverified hard inquiries that have appeared on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, hard inquiries should only appear on my report if I have explicitly authorized them. However, I have identified multiple inquiries that I do not recognize or did not consent to.

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 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Property Receivables, Corp
State: AZ

Complaint narrative:
I moved out of my apartment 6 months early. I was informed I would have to continue paying rent and utilities till the end of the lease in XXXX. I continued paying for the rent and utilities to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, AZ XXXX until my lease expired on XX/XX/XXXX. I was prorated the last {$99.00} payment for XX/XX/XXXX - XX/XX/XXXX for rent and utilities when I handed iny keys. I was informed they weren't going to do the walkthrough at that time. They apartment had been cleaned, vacant, empty, and no utilities had been used since XX/XX/XXXX. I just received a bill from a collection agency for {$120.00} from The XXXX from Property Receivables , Corp. The XXXX never sent me a bill, or reached out to me in any other capacity since my move out date on XXXX XXXX.I was told I would have to pay the bill in full. I am on XXXX. I receive {$300.00} a month. This is cf considerable hardship, and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: Opportunity Financial, LLC
State: FL

Complaint narrative:
A 1099-C form was requested form was requested to dispute a charge off. I was never sent the requested document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-20 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: PA

Complaint narrative:
I am writing regarding my account [ XXXX ] with XXXX XXXX XXXX XXXX XXXX Please note that I am not disputing any charges or balances associated with this account. However, for my own internal records, I would like to request the following information regarding the charge-off :

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 2025-03-20 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AP

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I am writing to express my deep frustration with the errors on my report that are unfairly lowering my scores. These inaccuracies have caused significant setbacks in my ability to access financial opportunities, and I should not be suffering because of incorrect information that does not belong on my 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 non-monetary relief
Consumer complaint received 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX credit report. I've attached a list of the hard inquiries 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 hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( 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