vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint to dispute a XXXX account that is being reported on my credit file under account number XXXX, showing a balance of {$1700.00} and reported as charged off. The reported open date is XX/XX/XXXX, with the most recent update showing XX/XX/XXXX. I dispute this account in its entirety because it does not belong to me. I have no knowledge of this account, have never applied for credit with XXXX, and have never authorized anyone to open this account on my behalf. This reporting is inaccurate, unverifiable, and damaging to my credit profile. The account is listed with unknown payment history, yet it is still being updated and reported as charged off. Reporting unverifiable information violates the accuracy standards under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting that the CFPB investigate this matter and require the credit reporting agencies and XXXX to : 1. Provide complete documentation, including an application with my signature, proving I opened this account ; OR 2. Immediately remove this account from all of my credit reports since no such proof exists.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MO

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-09-25 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Subject XXXX Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) accounts fraudulent in this complaint be DELETED immediately.

I am writing to conte
st inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my /FTC identity theft report ( FTC REPORT NUMBER : [ XXXX ) as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days.

The information on my credit report is the result of identity theft and should be blocked immediately.

I do not recognize the account ( s ) in question. The account ( s ) were not opened, made, or initiated by me. The aforementioned account ( s ) is/are a result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint # [ XXXX ] as proof from the US Federal Trade Commission that the aforementioned consumer credit account ( s ) is/are a result of identity theft and fraud. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail.

In addition, I request the immediate removal of the following fraudulent items from my credit report : FRAUDULENT ACCOUNTS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have attempted to reach out to ProCollect multiple times via phone, email, and XXXX since XX/XX/XXXX. I have yet to receive any response from the company. When I call, I am told that the only person who can access the account is XXXX. My initial email to this account went out on XX/XX/XXXX, to ask for a settlement offer. After looking at the final bill, I noticed that there were inaccuracies on the final bill. I sent another email on XX/XX/XXXX, to let them know of the inaccuracies, such as, no notice being given and the move out date. I moved out of this apartment on XX/XX/XXXX, yet the bill says that I moved out XX/XX/XXXX. Again, I received no response from the company. I sent ANOTHER email to the person listed as CEO of the company on XX/XX/XXXX. Again, no response. I sent a letter asking for another settlement offer on XX/XX/XXXX. It shows it was delivered XX/XX/XXXX @ XXXX. I STILL have yet to receive a response from this company. I have tried every way I can think of to get this account settled and off my credit. I have also reached out to the company that originally owned the apartments, XXXX XXXX XXXX. Their phone system doesnt work and messages to them have also gone unanswered. 
I have also reached out to XXXX  to make them aware and was told theres nothing they can do and the account has been verified as correct, despite me providing documentation to show that its not. 
This account is preventing me from finding a stable home for myself and XXXX son. Any help would be greatly appreciated.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These collections accounts are fraudulent. Dont belong to me and need to be removed. Also the nest, thanks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: NCB Management Services Inc.
State: IL

Complaint narrative:
I Have reached out to the following Finance Corporations informing them that the information they are reporting to the credit bureaus on behalf of my credit information that they are producing false and fraudulent information that is misleading and causing damages to my credit report also my personal information. I have not had anyone contact me to correct these misleading accusations and have all cases thoroughly reviewed and investigated and they will see all this information being provided is inaccurate and false therefore all information with these accounts under the FCRA shall be removed and deleted off my credit report. The following company 's are. 

* ( XXXX  XXXX to XXXX ) - Inaccurate information Balances, Dates, collecting activities pass due amounts- * ( XXXX XXXX XXXX to XXXX ) -Inaccurate information Balances, Dates, collecting activities pass due amounts * ( XXXX XXXX XXXX XXXXXXXX to XXXX ) -Inaccurate information Balances, Dates, collecting activities pass due amounts * ( XXXX XXXX XXXX XXXX XXXX XXXX ) -Inaccurate information Balances, Dates, collecting activities pass due amounts * ( XXXX XXXX XXXX XXXXXXXX to XXXX ) -Inaccurate information Balances, Dates, collecting activities pass due amounts * ( NCB Management XXXX to XXXX ) -Inaccurate information Balances, Dates, collecting activities pass due amounts I am requesting a full investigation where you will find all the balances all the dates all the collection information is invalid and false and I would like to have these falsely accusations incorrect information all remove and delete it off my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: Regional Management Corporation
State: IL

Complaint narrative:
I Have reached out to the following Finance Corporations informing them that the information they are reporting to the credit bureaus on behalf of my credit information that they are producing false and fraudulent information that is misleading and causing damages to my credit report also my personal information. I have not had anyone contact me to correct these misleading accusations and have all cases thoroughly reviewed and investigated and they will see all this information being provided is inaccurate and false therefore all information with these accounts under the FCRA shall be removed and deleted off my credit report. The following company 's are. 

* ( XXXX  XXXX to XXXX ) - Inaccurate information Balances, Dates, collecting activities pass due amounts- * ( XXXX XXXX XXXX to XXXX ) -Inaccurate information Balances, Dates, collecting activities pass due amounts * ( XXXX  XXXX XXXX XXXXXXXX to XXXX ) -Inaccurate information Balances, Dates, collecting activities pass due amounts * ( XXXX XXXX XXXX XXXX XXXX XXXX ) -Inaccurate information Balances, Dates, collecting activities pass due amounts * ( XXXX XXXX XXXX  XXXX to XXXX ) -Inaccurate information Balances, Dates, collecting activities pass due amounts * ( XXXX XXXX XXXX to XXXX ) -Inaccurate information Balances, Dates, collecting activities pass due amounts I am requesting a full investigation where you will find all the balances all the dates all the collection information is invalid and false and I would like to have these falsely accusations incorrect information all remove and delete it off my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
CAINE and WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE and WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SCXXXX XXXXXX/XX/year> XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Re : Cease and Desist Notice under 15 U.S.C. 1692c ( c ) Account Number : XXXX To Whom It May Concern : This letter serves as my formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), demanding that you cease all communication with me regarding the above-referenced account.

I am asserting my rights under federal law and requesting that you immediately stop contacting me, whether by telephone, mail, electronic communication, or any other means. As required by 15 U.S.C. 1692c ( c ), you are prohibited from further communication with me except to : 1. Advise me that collection efforts are being terminated, 2. Notify me that specific legal remedies may be invoked, or 3. Notify me that you intend to invoke a specific legal remedy.

Any attempt to communicate with me outside of what is explicitly permitted by law will be considered a violation of the FDCPA. Additionally, any attempt to misreport, inaccurately report, or retaliate by furnishing misleading information to the credit reporting agencies will also be treated as a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Please provide written confirmation that you have received this notice and that you will comply with my request. 

Sincerely, XXXX l XXXX [ Signature ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SCXXXX XXXXXX/XX/year> XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Re : Cease and Desist Notice under 15 U.S.C. 1692c ( c ) Account Number : XXXX To Whom It May Concern : This letter serves as my formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), demanding that you cease all communication with me regarding the above-referenced account.

I am asserting my rights under federal law and requesting that you immediately stop contacting me, whether by telephone, mail, electronic communication, or any other means. As required by 15 U.S.C. 1692c ( c ), you are prohibited from further communication with me except to : 1. Advise me that collection efforts are being terminated, 2. Notify me that specific legal remedies may be invoked, or 3. Notify me that you intend to invoke a specific legal remedy.

Any attempt to communicate with me outside of what is explicitly permitted by law will be considered a violation of the FDCPA. Additionally, any attempt to misreport, inaccurately report, or retaliate by furnishing misleading information to the credit reporting agencies will also be treated as a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Please provide written confirmation that you have received this notice and that you will comply with my request. 

Sincerely, XXXX l XXXX [ Signature ]

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