vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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:
I am writing to formally request the removal of fraudulent information from my credit file. I have recently discovered that I am a victim of identity theft, and there are several accounts and inquiries listed on my credit report that I did not authorize or apply for. These entries are inaccurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and remove the unauthorized accounts and inquiries from my credit report. Enclosed, you will find a list of the disputed items, as well as a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 

I kindly ask that you initiate a thorough investigation into these items and take prompt action to delete them from my credit report. Additionally, I request written confirmation once these corrections have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
YOU ARE IN VIOLATION OF XXXX XXXX Code XXXX ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is a formal complaint that you are reporting inaccurate and incomplete consumer information. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of MY CORRECT PERSONAL INFORMATION : Delete all other addresses, I can not receive mail or any correspondence nor do I have access to any Please delete these inaccurate XXXX XXXX XXXX. I demand my XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. I demand that the following accounts be removed immediately as it's vital to me support my family : Also, I noticed that there are unauthorized inquiries made and they were not by me : I contacted the companies who placed the inquiry and asked them to delete the inquiry and or provide me written proof that I made this inquiry. I also asked them to cease their illegal activities immediately, but to date, there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. Remove unverifiable, inaccurate, unauthorized credit inquiries from my consumer report. It's federal law you report 100 % accurate and verifiable accounts on my consumer report according to XXXX XXXX XXXX XXXX ( b )

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 2025-06-17 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I have recently discovered that I am a victim of identity theft, and there are several accounts and inquiries listed on my credit report that I did not authorize or apply for. These entries are inaccurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and remove the unauthorized accounts and inquiries from my credit report. Enclosed, you will find a list of the disputed items, as well as a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ).

I kindly ask that you initiate a thorough investigation into these items and take prompt action to delete them from my credit report. Additionally, I request written confirmation once these corrections have been completed.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize this XXXX  inquiry and have no past or current affiliation with the company that initiated it. This unauthorized activity XXXX be indicative of 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XX/XX/scrub> 2025 Midland Credit Management Subject : Cease and Desist Letter & Credit Dispute Notification Account Number : XXXX Dear Midland Credit Management This letter is to formally notify you that I dispute the validity of the above-referenced account. I request that you immediately cease all communication with me, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ).

I also dispute the reporting of this account to the credit bureaus and request that you investigate and verify the accuracy of this information. If you can not provide sufficient proof of the debt, including a signed contract or itemized statements, you are required to remove all references to this account from my credit file.

Please note the following actions are required : Cease all further direct communication with me.

Provide validation of the alleged debt within 30 days, including original documentation.

Refrain from reporting, or immediately correct/remove, any inaccurate information related to this account from my credit report.

Any further attempt to collect on this disputed debt, or failure to comply, will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-17 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/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 explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MA

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, hard inquiries, and charge-offs identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that you manually process my 605B deletion request and block all fraudulent inquiries from my credit report immediately, as per FCRA 605B. This includes following the law, which does not require further validation from creditors once proper identity theft documentation has been submitted. Investigation Under FCRA 611, I request an investigation of the fraudulent items on my credit report, including providing detailed sources of information relied upon for their verification including communication with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I dont own anything to anyone need to stop reporting that collection account and stop calling

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: National Credit Systems,Inc.
State: OH

Complaint narrative:
According to FCRA section XXXXi, it is illegal to place inaccurate information on my credit report without my permission. Please remove these inaccurate accounts. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Scott Fetzer Financial Group Inc.
State: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it. 15 USC 1681 Section 602 States as followed : I have the right to privacy. 15 USC 1681 Section 604A states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
: Bank of America XXXX 2025 Bank of America. XXXX XXXX XXXXXXXX XXXX. XXXX Bank of America,,.,.,.,,, Bank of America,.. - XXXX XXXX,XXXX XXXX XXXX XXXX XXXX  Bank of America,,. 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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd.
State: GA

Complaint narrative:
I mailed a certified letter to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX requesting the following information : the amount of the alleged debt ; the name of the original creditor ; a detailed statement or copy of the original agreement that bears signature of the alleged debtor with promises to pay the original creditor ; proof that your agency is licensed to collect debts in the state of Georgia ; and a complete payment history, including any interest, fees, or other changes added. 

The only information I received was copies if bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
around XXXX of XXXX  my account got lock along with my XXXX savings funds, and i was not able to access it or get my money from the account while it was locked so i closed my account in XXXX of XXXX  and waiting for chase to send me a check for my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am writing to provide a clear account of my experience with the Kikoff credit-building service, which I believe led to an unintended negative impact on my credit score.

1. Initial Enrollment and On-Time Payments In early XXXX, I enrolled in a Kikoff credit-building loan to establish a credit history, as I had no prior credit score. From the start date through the scheduled end of the loan term, I made every payment on time and fulfilled my obligation in full. 

XXXX. App Uninstallation and Unaware Renewal After completing my final payment, I uninstalled the Kikoff app, confident that my loan had closed. At no point had I agreed to any auto-renewal or subscription service. I was not notified of any continuation plan, nor did I take any action to renew the loan.

3. Unintentional Account Re-Opening Several weeks ( or possibly months ) later, without my knowledge, Kikoff automatically renewed my loan. Because I had already deleted the app and was unaware of this renewal, no alerts or reminders reached me. Fortunately, I was still in the United States and the original bank account remained active, so the renewed loan payments continued to be drawn without interruption. 

XXXX. Move Abroad, Card Theft, and Payment Pause In XX/XX/XXXX, I relocated overseas for work. In XXXX XXXX ( or XX/XX/XXXX ), my primary debit card was stolen. In the course of replacing it, I reinstated all my subscriptions to the new card but Kikoff as I was unaware of this ongoing charge. 

I do recall at some point receiving what appeared to be a system-generated notification from one of my subscription services about late payments which I chalked up to potential fraudulent charges. Concerned it might be a phishing attempt, as most of these scam emails prove to be. I clicked a Pause Payments button in that emailintending only to temporarily halt any suspicious activity until I could verify its legitimacy. Which lead me to ultimately acquire a vpn. 

XXXX. Late Fees and Credit-Score Impact As a result of the stolen card and the inadvertent pause, several Kikoff payments failed and accumulated late fees totaling over {$40.00}. A small amount that could've duly been paid if only I was aware. After acquiring a recent vpn and being able to log into XXXX, I discovered that my credit score had fallen from XXXX to XXXX. This is disastrous as I had planned to travel back to the USA, to use my XXXX score to acquire my first loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-17 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 for reviewing my information. I've reviewed my credit report noticed that there's account are being furnished on my consumer report. I haven't given anyone permission under law to access my credit report or profile and there's no permissible purpose by law to contact third parties with my private or personal information. I am a victim of identify theft and I've attached the proper documents to this complaint. Thank once again for all your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
Inaccurate information, collections, inquiries & not completing with deletions on reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
Inaccurate information, collections, inquiries & not completing with deletions on reports

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 2025-06-17 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: TX

Complaint narrative:
I am a confirmed victim of identity theft due to the XXXX  data breach, where my personal information was compromised. Fraudulent accounts and inquiries have since appeared on my credit report without my authorization. I submitted a formal dispute with all required documents under the Fair Credit Reporting Act ( FCRA ) Section 605B, including proof of identity theft and confirmation from Equifax that my information was impacted. Per FCRA 605B, the credit bureaus are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. This law mandates immediate action. I am requesting the immediate deletion of these fraudulent accounts and inquiries. Failure to comply will result in legal escalation and enforcement under FCRA 616 & 617 for damages due to willful noncompliance.

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