vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MA

Complaint narrative:
XXXX XXXXXXXX account does not belong to me and was open with out my knowledge or permision. MY credit report with each agency has a not to not extend any type of credit with out first contacting me do to fraud in the past! there for this account should have never been opened for the main fact I did not apply for this card and it is some sort of fraud or mistake. I ask this account be delete and closed!

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 2025-05-08 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:
XXXX XXXXXXXX account does not belong to me and was open with out my knowledge or permision. MY credit report with each agency has a not to not extend any type of credit with out first contacting me do to fraud in the past! there for this account should have never been opened for the main fact I did not apply for this card and it is some sort of fraud or mistake. I ask this account be delete and closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
Contacted creditor/agency and requested proof of the alleged debt specifically, the original application bearing my signature. They have not been able to provide such proof.

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 2025-05-08 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 contacted company to get that verification. Ive received no response. Ive contacted them several times.

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 2025-05-08 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: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries listed on my credit report. These inquiries were not initiated or authorized by me, and I believe they may be a result of identity theft following the 2017 Equifax data breach, which exposed my personal information.

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 2025-05-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries listed on my credit report. These inquiries were not initiated or authorized by me, and I believe they may be a result of identity theft following the 2017 Equifax data breach, which exposed my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I was charged for XXXX  months instead of XXXX  months my agreement was only XXXX  months. I was charged for XXXX additional months making it XXXX past my move out date of XX/XX/XXXX. I went to the office in person XXXX  months after receiving the notice from a debt collection company called National credit systems stating they are asking me to pay {$4700.00} to XXXX at XXXX XXXX  for the months of XXXX and XX/XX/XXXX I did not reside in this unit past XX/XX/XXXX, these charges are not valid how could I accumulate hundreds of dollars in utilities in a unit I no longer resided in? The entire office team was replaced with new people so the new owners could not show me proof of what I am requesting. I had an agreement with the old manager to let me move out in XX/XX/XXXX my lease ended in XX/XX/XXXX. The agreement was based on my sons accommodation for a unit that is first floor to accommodate his XXXX  XXXX  she assured me I would not he charged a breaking penalty in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
They are in violation of FCRA sections : ( 15 USC.1681 IA.1 ) ( 15 USC. 1681, IA.6B.3N ) ( 15 USC. 1681, A.5B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 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 2025-05-08 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: GA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax * * Equifax Inc. * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Missed Payment Account with XXXX XXXXXXXX XXXX Dear Equifax XXXX I am writing to formally dispute an entry on my credit report regarding a missed payment associated with my account at XXXX XXXXXXXX XXXX  XXXX According to my records, this payment history is inaccurate and does not reflect my actual payment behavior. 

Under the Fair Credit Reporting Act ( FCRA ) and specifically referencing Section 1666b, I am requesting that you investigate this matter promptly. The account in question is as follows : - * * Account Name : * * XXXX XXXXXXXX XXXX XXXX * * Account Number : * * XXXX - * * Balance : * * {$4500.00} - * * Date of Missed Payment : * * XXXX XXXX XXXX I have always made my payments on time, and I believe this entry is a result of an error. I have attached supporting documentation to substantiate my claim, including payment records and correspondence with the creditor. 

Please send proof that his information was mailed or delivered 21 days before the due date. 

Please conduct a thorough investigation into this matter and correct the inaccuracies as soon as possible. I appreciate your attention to this urgent issue and look forward to your prompt response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that have not been properly verified and are causing serious harm to my financial well-being. These errors continue to affect me negatively, and I urgently request that they be corrected or removed without delay.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-08 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:
It has come to my attention that my personal information was exposed in a nationtal data breach. After viewing my credit report, I noticed some accounts that I am not familiar with. I have asked the Credit Reporting Agencies for validation of debt. However the information was not provided. Due to my information being exposed. I have submitted a FTC complaint reporting the fraudulent accounts and information. 

Please find attached a copy of my Drivers License, a copy of the XXXX report, showing my information being exposed in a national database and a Validation of debt letter.

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 2025-05-08 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: AL

Complaint narrative:
It has come to my attention that my personal information was exposed in a nationtal data breach. After viewing my credit report, I noticed some accounts that I am not familiar with. I have asked the Credit Reporting Agencies for validation of debt. However the information was not provided. Due to my information being exposed. I have submitted a FTC complaint reporting the fraudulent accounts and information. 

Please find attached a copy of my Drivers License, a copy of the XXXX report, showing my information being exposed in a national database and a Validation of debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems LLC ( Debt Lawsuit / Credit Reporting ) What happened? 
I am being sued by Jefferson Capital Systems LLC over a repossessed vehicle loan originally with XXXX XXXX. I did not benefit from the vehicle ; it was used by a business partner who promised to pay but didnt. I had the vehicle repossessed myself for safety reasons. Despite this, Jefferson Capital is now pursuing me for over {$20000.00} in a court case I only recently discovered ( Case No. XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Additionally, they have reported this account to the credit bureaus, severely damaging my credit. I have requested validation of the debt, but they have not yet responded with supporting documentation. 

Why its a problem : I never received the benefit of the vehicle. 
They are attempting to collect without proof or accurate documentation. 
The credit reporting is misleading and inaccurate. 
I believe this violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

What I want : I am asking that Jefferson Capital : 1. Provide full documentation validating the debt.
2. Withdraw or dismiss the lawsuit.

3. Remove any negative credit reporting until validation is provided.

4. Stop all collection activity until the dispute is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Following a XX/XX/XXXX subscription to Experian 's paid monitoring service I have experienced a significant increase in hacking incidents targeting my cellular phone, credit, and banking accounts over the past year. 
Recently my phone number was compromised, necessitating a change of phone and email address. Subsequent attempts to update my contact information with Experian have been unsuccessful, resulting in automated Bot responses and disconnected calls. Experian continues to bill me for a services I can not access despite numerous attempts to contact various departments and/or establish a new account, all of which have been unsuccessful. I am blocked from my account although I pay a monthly fee. I can not update contact information or stop hard unauthorized inquiries. Also, previously despite providing substantial documentation and repeated communication to correct inaccurate data, including false addresses and a fraudulent XXXX XXXX credit card account, no corrections had been made to my file. 
Today, as I need to purchase something soon I was " forced '' to pay out of pocket to XXXX XXXX XXXX XXXX XXXX} for them to inform me experian had blocked my account due to a false changed birthday, name and 7 hard inquiries. They will dispute and It will now take up to 30 days for me to get into my account. 
My problem is Experian should have had a live person for me to speak to instead of a Bot who continued to hang up on me after telling me I had no account. Experian needs to answer me personally Thank you. This is my second message to your agency 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 2025-05-08 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX 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  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief