vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Bureau LLC
State: MD

Complaint narrative:
I am filing this complaint because Asset Recovery Bureau LLC, through a representative named XXXX, has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Recently, XXXX contacted multiple members of my family on XX/XX/year> and not only asked for my whereabouts but disclosed that I allegedly owe a debt and that they were trying to collect it. This was not a simple request for contact information it involved sharing personal details that should have only been discussed with me directly. 

This kind of behavior is not only embarrassing and invasive, but its illegal. Under the FDCPA, debt collectors can not discuss the existence of a debt with third parties. Yet XXXX XXXX XXXX did just that unprompted, and without my permission. 

Whats more troubling is that I have no debts listed on my credit report and have received no formal validation of this debt from the company. Regardless of whether a debt exists, their conduct was harassing, unethical, and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE NOT MINE. I HAVE CONTACTED ALL COMPANIES AND ALL CREDIT BUREAUS AFTER GETTING ALERTS THAT MY PERSONAL INFO IS ON THE DARK WEB OVER 30 DAYS AGO INFORMING THEM THAT I AM A VICTIM OF IDENTITY THEFT AND TO PLEASE DELETE THE ACCOUNTS OFF OF MY CREDIT REPORT IMMEDIATELY. I HAVE ALSO FILED A POLICE REPORT ON XX/XX/XXXX AND SENT ALL CREDIT BUREAUS AND COMPANIES A COPY. THE COMPANIES STILL HAVE NOT DELETED THE ACCOUNTS. 

XXXX XXXX XXXX XXXXXXXX IN THE AMOUNT OF {$1000.00} OPENED ON XXXX XXXX IN THE AMOUNT OF {$520.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT OF {$790.00} OPENED XX/XX/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 XXXXXX/XX/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 2025-07-09 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: IL

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE NOT MINE. I HAVE CONTACTED ALL COMPANIES AND ALL CREDIT BUREAUS AFTER GETTING ALERTS THAT MY PERSONAL INFO IS ON THE DARK WEB OVER 30 DAYS AGO INFORMING THEM THAT I AM A VICTIM OF IDENTITY THEFT AND TO PLEASE DELETE THE ACCOUNTS OFF OF MY CREDIT REPORT IMMEDIATELY. I HAVE ALSO FILED A POLICE REPORT ON XX/XX/XXXX AND SENT ALL CREDIT BUREAUS AND COMPANIES A COPY. THE COMPANIES STILL HAVE NOT DELETED THE ACCOUNTS. 

XXXX XXXX XXXX XXXXXXXX IN THE AMOUNT OF {$1000.00} OPENED ON XXXX XXXX IN THE AMOUNT OF {$520.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT OF {$790.00} OPENED XX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I found fraudulent inquiries on my credit report. 
There are 3 credit inquiries on my TransUnion report that are not mine. I didn't authorize them. Inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> RE : Request for Deletion of Obsolete and Inaccurate Information Under 15 U.S.C. 1681c-2 Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance in resolving a dispute with the credit reporting agencies related to the reporting of inaccurate, outdated, and unverifiable negative information on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am exercising my right to request that certain adverse information be permanently blocked from my credit report. 

Under 15 U.S.C. 1681c-2, any consumer has the right to request that a consumer reporting agency not furnish a consumer report containing any adverse item of information that resulted from identity theft or that is otherwise incorrect, obsolete, or unverifiable.

I have already contacted the credit reporting agencies to dispute the following inaccurate and outdated negative accounts : 1. XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX o Reported Status : Closed o Reason for Dispute : This account is not mine outlined in 15 U.S.C. 1681c ( a ). 



Despite previous disputes, these accounts remain on my credit report in violation of FCRA guidelines. I am requesting CFPB intervention to ensure compliance with the law and the permanent deletion of these items. 

Supporting Documentation : Copy of my drivers license or ID Proof of current address ( utility bill or bank statement ) Copy of my credit report with disputed accounts highlighted Requested Resolution : I am requesting that CFPB conduct a thorough investigation into these violations and require the credit reporting agencies to delete or block the reporting of these items under 15 U.S.C. 1681c-2. These accounts are damaging my credit standing and should not lawfully be reported.

Thank you for your time and assistance in this matter. Please contact me should you require any further documentation or clarification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt DEPARTMENT OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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 explanation
Consumer complaint received 2025-07-09 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: MN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ 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 2025-07-09 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

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 non-monetary relief
Consumer complaint received 2025-07-09 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: MA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). 

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
b'On XXXX XXXX I received this message from XXXX XXXX XXXX  \nBank Of America Security Alert: Did you attempt a transaction on your card for XXXX at XXXX XXXX XXXX XXXX XXXX, CA on XXXX? If valid reply YES, fraud reply NO. To Opt Out, reply STOP\nAfter reply NO I received the following message \nBank Of America Security Alert: Thank you for your confirmation, no further  action is required. A fraud representative will be contacting you shortly. Case ID XXXXThe scammer was not able Bank representative and scammed me for XXXX  claiming I had to wire Transfer money to myself to be protected. \nAfter my funds were gone I notified the bank, filled out 2 Scam Acknowledgement Claims, called the wire fraud dept of Bank of America,filed a police report, fbi and FTC reports in an attempt to get my money back but no Results!! The accounts have been frozen from the scammer at XXXX XXXX but still no results.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A man called me and told me they were from Chase Bank and I had a XXXX payment request for $ XXXX ( rounding up ) and wanted to see if I would authorize this payment. After I told them that I would check with Chase 's fraud department, he swore and threatened to kill me. The number was from a XXXX, MI number ( XXXXXXXX XXXX XXXX 

I called back to give the person my address so he could attempt to XXXX  XXXX  but I got a different service rep

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
Collection account paid in full but this agency is reporting unpaid XXXX XXXX. 
Attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Collection account paid in full but this agency is reporting unpaid XXXX XXXX. 
Attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/, I submitted a written dispute to TransUnion to address inaccurate information appearing on my credit report. Enclosed with my dispute were all required identity verification documents, including a government-issued photo ID, social security card , and a recent bank statement displaying my current address. 
In my letter, I clearly outlined my request for a proper investigation and asked TransUnion to provide transparency in their verification process by disclosing : - The method used to verify the disputed item. 
- The date TransUnion contacted the creditor or data furnisher. 
- The name and contact information of the creditor/furnisher. 
- The name of the individual who conducted the verification. 
- The communication method used ( e.g., phone, email, mail ). 
- Confirmation on whether any personally identifiable information ( such as my SSN, address, or date of birth ) was exchanged during the verification. 
I received a response from Transunion dated XX/XX/, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This response is completely unacceptable. I submitted the dispute directly, with complete and verifiable identification. TransUnions refusal to actbased on a vague and unsupported claim of unauthorized origin constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ).

The FCRA mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information. There is no exception to this requirement when a consumer provides a valid identity and a direct request. TransUnions failure to investigate or respond in good faith is a direct breach of its legal obligations and a denial of my consumer rights. 
This negligence has obstructed my ability to correct harmful errors and continues to damage my financial reputation. I am including a copy of my original dispute letter and TransUnions written response as supporting evidence for this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation