vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: OH

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: AL

Complaint narrative:
see attached documents -- XXXX XXXX, XXXX, XXXX. This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at national Credit Systems on XX/XX/XXXX with account number XXXX with a balance of {$7100.00}, XXXX XXXX on XX/XX/XXXX with account number XXXX in the amount of {$1200.00}, XXXX XXXX XXXX on XX/XX/XXXX with account number XXXX in the amount of {$450.00}, XXXX XXXX XXXX XX/XX/XXXX with account number XXXX in the amount of {$420.00}, XXXX XXXX XXXX with account number XXXX in the amount of {$360.00}, Wow Equipment with account number XXXX in the amount of {$490.00}, XXXX  with account number XXXX in the amount of {$1500.00}. These accounts have resulted in several fraudulent hard inquiries in question as well as a copy of the consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you in which shows the aforementioned fraudulent items. I do not recognize these accounts, collections or hard inquiries as reported. The accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or were they initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and are fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was notified via email that a card was opened in my name on XX/XX/year> for a XXXX XXXX credit card. I do not live in the United States currently and have not set foot in a XXXX 's in almost a year so there is no way I have done or approved this to occur.

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 2025-05-11 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As of today, I have not received any response indicating that these errors were investigated. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information, and I expect a thorough investigation into my claims. I received a letter stating the accounts were not on my credit report. When i received my report report they were there. They are 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 non-monetary relief
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting inaccurate information on my credit report for Account # XXXX. 

The account is showing different open dates across TransUnion and Equifax, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report accurate and consistent information. Additionally, under 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ), credit reporting agencies must ensure maximum possible accuracy and remove unverifiable or inconsistent data. 

I have disputed this account, and the inconsistencies remain. If XXXX XXXX XXXXXXXX can not verify and correct the open date with consistency across all credit bureaus, this account must be immediately removed from all consumer reporting records per XXXX XXXX Code 1681s-2 ( b ) ( 1 ) ( D ). 

This inaccurate reporting is harming my creditworthiness. I am requesting a full investigation and removal of this account if accuracy can not be guaranteed.

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 2025-05-11 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: KS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I discovered a debt collection account on my credit report that I do not recognize. The account is being reported by XXXX XXXX XXXX XXXX, and I have no knowledge of this debt. I never received a bill, notice, or any prior communication about it. 

On XX/XX/year>, I sent a formal written request to XXXX XXXX XXXX XXXX asking for full validation of the alleged debt, as allowed under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ). I specifically requested the name of the original creditor, a detailed breakdown of the charges, proof that I am legally obligated to pay the debt, and a copy of the original signed contract. I have not received any of the requested documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
On XX/XX/year> I sent a certified debt validation letter to National Credit Systems ( NCS ) at the address listed on my credit report, XXXXXXXX XXXX XXXX  XXXX, XXXX, GA XXXX. This letter was returned as Vacant and Undeliverable by the USPS, clearly proving the address is invalid and that the debt is legally unverified. 

Despite this, both XXXX and XXXX falsely verified this account as accurate, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This is a direct breach of 15 U.S.C. 1681e ( b ) ( failure to maintain accurate information ) and 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation ). 

I also filed a complaint with the XXXX and NCS responded with a vague, legally insufficient response, failing to provide the required validation documents, including the original signed contract and itemized account statement. They have ignored multiple follow-up attempts.

I demand immediate and permanent removal of this account from my credit reports and a full investigation into the verification practices of both NCS and the credit bureaus. Failure to comply will result in formal complaints to the FTC, State Attorney General, and potential civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MA

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MN

Complaint narrative:
I have about 20 Vanilla Visa egift cards that do NOT expired, are all active, all have amounts of {$10.00} or less on them. i have receipts for each & every card. None of then work. When I call, I never spend under XXXX minutes on the phone. Every single time, customer service tells me NOTHING is wrong with the cards. Which is untrue. I argue. They put me on hold. They come back & say " you can not add these to your digital wallets, you have to use them at a physical location. '' Well... they had previously said nothing was wrong? But now they say there is? & I then ask " how am I supposed to use an egift card, at a physical location, when it is not a physical card? It is literally marketed as a card to use online through a digital wallet. But they've just told me I can not. & i must use this XXXX  card ( which remember, doesn't exist as a physical object that i can hold or swipe ) at a physical location. Then i am put on hold again. They come back & tell me, you have to have the merchant type in the card details, manually. So, not only has the story changed three times now in one call, ( aka lies ) but have you ever tried to ask a merchant to TYPE in card information at their XXXX  in 2025? I have been trying to access my money for two months now with no resolve. Since Vanilla was not helping, I contacted Visa. Visa said they couldn't do anything & to contact XXXX. I researched XXXX who does not exist because XXXX is now XXXX. XXXX sent me right back to the Vanilla call center. & then they hung up on me. & ignored my emails. I posted on XXXX to see if any consumers have any solutions & in XXXX XXXX hours, there have been XXXX  of comments from frustrated consumers, having the SAME exact issues. & not one of those people commenting, have found a solution. That is thousands of people, who have put their money onto these cards, & given up on trying to access their money, because Vanilla has wasted so much of their time & energy that they have given up. Until now. This needs to end. Surely, these thousands of people, are just the tip of the iceburg... being that the comments continue to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Experian. 
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX FL XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
I request that my current address be updated accordingly. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license displaying my correct name and my current address. 
Request for Confirmation : I request that Experian investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
XXXX XXXX : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX. 
Thank you for your prompt attention to this matter.

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 2025-05-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-05-11 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am submitting this complaint to dispute two inaccurate collection accounts that are currently appearing on my credit report. These accounts are not mine, and I have no recollection of authorizing or owing the debts listed below : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$420.00} These accounts appear to be either fraudulent or reported in error. I have not received any verification of these debts despite prior disputes, and they are negatively affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-11 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:
There are several names on my credit report that are not my name. The spelling of the is wrong. Also several addresses

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Transunion. 
Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as -Delgado XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX that my name be updated to reflect the correct information. 
ontact Information : Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license displaying my correct name. 
Request for Confirmation : I request that Transunion investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX. 
Thank you for your prompt attention to this matter.

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