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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-03 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: MO

Complaint narrative:
The following fraudulent accounts were opened in my name without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are being reported by TransUnion, Equifax, and Experian, despite their obligation to ensure accurate reporting. I request that the CFPB demand the credit reporting agencies immediately investigate and remove/block these items from my credit file within the FCRA-mandated four ( 4 ) business days. 

Under the Fair Credit Reporting Act ( FCRA ), I request that the CFPB immediately demand the credit reporting agencies remove these accounts from my credit reports within four ( 4 ) business days. These accounts are fraudulent, and their presence is negatively impacting my credit standing. 

I have attached my FTC Identity Theft Report and supporting documentation for your review. I urge the CFPB to intervene and ensure that TransUnion, Equifax, and Experian comply with the law by removing these unauthorized accounts promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: MO

Complaint narrative:
The following fraudulent accounts were opened in my name without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are being reported by TransUnion, Equifax, and Experian, despite their obligation to ensure accurate reporting. I request that the CFPB demand the credit reporting agencies immediately investigate and remove/block these items from my credit file within the FCRA-mandated four ( 4 ) business days. 

Under the Fair Credit Reporting Act ( FCRA ), I request that the CFPB immediately demand the credit reporting agencies remove these accounts from my credit reports within four ( 4 ) business days. These accounts are fraudulent, and their presence is negatively impacting my credit standing. 

I have attached my FTC Identity Theft Report and supporting documentation for your review. I urge the CFPB to intervene and ensure that TransUnion, Equifax, and Experian comply with the law by removing these unauthorized accounts promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: GA

Complaint narrative:
Text Message from number XXXX disguised to be from Frost-Arnett Company , a debt collector. Asking to select an " encrypted '' link and enter billing zip code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am a victim of identity theft. I have filed a complaint against these credit reporting agencies and they have not removed these from my credit report. According to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), these items should be removed within 4 days. These are still on my report over a month later! I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. My personal information was compromised online resulting in many fraudulent accounts being opened. The following accounts are fraudulent. I did not authorize these accounts or authorize my information to be used to open these accounts : XXXX XXXX Account XXXX Balance {$2400.00} XXXX XXXXXXXX Account XXXX {$320.00} XXXX XXXX XXXX Account XXXX {$2400.00} XXXX XXXX Account XXXX {$1100.00} XXXX Account XXXX {$3300.00} XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Amount {$540.00} XXXX XXXX {$2300.00} The following names and addresses also need to be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information.

4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 business days upon receipt of this letter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am a victim of identity theft. I have filed a complaint against these credit reporting agencies and they have not removed these from my credit report. According to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), these items should be removed within 4 days. These are still on my report over a month later! I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. My personal information was compromised online resulting in many fraudulent accounts being opened. The following accounts are fraudulent. I did not authorize these accounts or authorize my information to be used to open these accounts : XXXX XXXX Account XXXX Balance {$2400.00} XXXX XXXXXXXX Account XXXX {$320.00} XXXX XXXX XXXX Account XXXX {$2400.00} XXXX XXXX Account XXXX {$1100.00} XXXX Account XXXX {$3300.00} XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Amount {$540.00} XXXX XXXX {$2300.00} The following names and addresses also need to be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information.

4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 business days upon receipt of this letter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Michael J Adams PC
State: TX

Complaint narrative:
On XX/XX/XXXX, my paycheck was deposited into my bank account. I paid several bills and went to sleep. When I made it to work, I attempted to pay more bills and my debt card would not work. I checked my bank and saw that my account was XXXX, I also saw that my daughter 's account was negative. I could actually see the balances were not negative as we both had had recent deposits. I called the bank and was only told I had to call XXXX XXXX XXXX at XXXX. I called numerous times and did not receive an answer. It wasn't until XX/XX/XXXX when I pressed 3 ( the automated system stated that if you were a judge press 3 ). After being on hold for a long while, someone came on the phone and gave me the terms and told me that I had to sign a contract with them to get my money back. In the phone call it was stated that they would keep {$1000.00} of my account and release the remaining money and I would have to make payments of {$110.00} per month. I raised several concerns about the actual contract because the total dollar amount that they were requesting was vastly different than the amount that was stated that I owed. I also raised concerns because the contract did not state that they were keeping {$1000.00}, it stated {$1.00} or more. I asked that the paperwork reflect exactly what I was told and it never was corrected. I was also told that since my daughter 's account only had my name on it since it was opened when she was a minor that if we sent in a copy of her bank statement and 2 paycheck stubs that her account would be released. I was told that XXXX XXXX XXXX XXXX 's office sends orders to unfreeze bank accounts twice a day and mine order would be sent in on XX/XX/XXXX. I have called several times over the last few days and do not get an answer. I did manage to talk to one person on XX/XX/XXXX and I was told that the order was sent ; I reached out to my bank and was told that an order was ever received. I have continued to send emails and phone calls to Michael J Adams PC to no avail. No one is responding, contacting me, or releasing my funds. After doing research, this account has been handled by multiple agencies and with each call, that agency tells me that they do not have information about the account. I was never served notice of a court date and had no idea that I had a judgment against me. As a resulted of not having access to my account, NSF fees are racking up and bills that I had paid are being returned. I am at a huge loss and have no idea on how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
1 ) Breach of Contract ( Lease Agreement ) : XXXX failed to adhere to the " Total Loss '' provisions ( Section 25 ( b ) ) of lease agreement. 
XXXX sold the vehicle without proper legal repossession, contradicting their contractual obligations. 
They are claiming default, which also contradicts the contract, given the vehicle was a total loss. 

2 ) Unauthorized Disclosure of XXXX : XXXX disclosed my Nonpublic Personal Information ( NPI ), including details from a police report, potentially violating the Gramm-Leach-Bliley Act ( GLBA ). 

3 ) Illegal Repossession/Sale : Vehicle was stolen, and XXXX did not legally repossess it from me before " selling it ''. 

4 ) Contradictory Actions : XXXX 's letter claiming " broken promises '' contradicts the " Total Loss '' provisions and their obligation to end the lease. 

5 ) Financial Harm : I suffered financial harm, including the loss of down payment ( {$6000.00} ), XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( {$3100.00} ), lease payments, and the value of trade-in. 
Credit score has been damaged, leading to loan denials.

6 ) " Total Loss '' Circumstances : The deer strike rendering the vehicle inoperable, followed by the theft, both constitute a " Total Loss '' under your lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
I am submitting this formal complaint against TransUnion, Equifax, and Experian for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included an account from XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 



Violations 1. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law.

2. FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ( a ) ( 2 ) ) Permissible Purposes of Consumer Reports A consumer reporting agency can not furnish my report to a third party without my written consent, which I never provided to XXXX. 

3. 15 U.S.C. 1666B Creditor May Not Treat a Payment on an Open-End Consumer Credit Plan as Late for Any Reason The reporting of this account as late is in direct violation of this statute, which prohibits creditors from treating a payment as late under an open-end consumer credit plan.

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 2025-03-03 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my 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 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Delta Management Associates, Inc.
State: AL

Complaint narrative:
I paid my debt in full to Delta Management Associates , Inc . they were representing XXXX XXXX XXXX. Account was settled XX/XX/year>. A while later it was removed from my credit report. Now it has re appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: IN

Complaint narrative:
Well according to 15 U.S. Code 6802 ( b ) it does state A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party. XXXX XXXX in violation because they have been reporting to XXXX XXXX  parties. XXXX and XXXX. Without my knowledge and consent. 
As the consumer I was unaware that my personal information was given to a third party and then by that third party reported to XXXX other parties. 

15 Usc & 1692 C does state Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681c no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX  years.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
XXXX and XXXX have both violated this. My personal information such as my birth date, employment history, phone numbers, and old addresses, and inaccurate spellings of my name. The only thing that should be on my report are criminal convictions and anything I give consent to. These are violations of the FCRA. Also the account from XXXX XXXX on both of my reports. Thats another violation. 

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' As I have carefully mentioned in the complaint before.If I have given consent at any time. I still have the right to opt out. I am opting out their reporting services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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 am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: IN

Complaint narrative:
I sent a letter Exeter Finance requesting 1099C Letter which they issued to me. Account is currently written off and they sold the account to another company called XXXX XXXX. 
I have attached the letter I sent to Exeter Finance and the return documents that proves it get to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Windy City Capital Management, LLC
State: CA

Complaint narrative:
Hello, by mistake some dealerships used my details to get a loan without my consent and I received unfair credit inquiries.

Company response to consumer: Untimely response