vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Stark Collection Agency, Inc.
State: WI

Complaint narrative:
The first one is XXXX XXXX XXXX when I gave the car back in XXXX of XXXX. They never invited me to come up with the money of the sale for vehicle .so I go on with my life.so they sold the car well I didn't hear from them n years .so im working on my credit and working to fix debt if ita rrally mines well i call the local number of XXXX and ask how much waa needes ro pay to delete thia balance amd remove my my credit report spoke to a XXXX he said about XXXX $ and I said should I leave it or try to pay it .. he like well it's gon na fall off and a year.so right after that I want to say XXXX or early XXXX my check at work was garnished and it said from XXXX XXXX XXXX with interest of XXXX $ and XXXX .but he told me that the amount would be about XXXX I said I'll call back let me see if I can come up with payment and the date they had on there said year XXXX I didn't even know until a week later papers came in mail well I think it's not right im being garnished after you charged off the account sold it to debt collector for me to be sued and check be garnished with me getting any forms to afterwards and also being charged full amount but to finance was XXXX and they wanted me to live in poverty i asked if they could lower payments. But u did all this and told me something different earlier in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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 checking my credit report and found this that I don't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 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: DC

Complaint narrative:
I am writing to formally dispute certain information in my credit report that I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have the right to challenge the accuracy of the information in my credit file.

I have reviewed my credit report, and I noticed that my information has been furnished to your bureau without my prior written consent. According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under specified circumstances and with proper authorization. I did not give written consent, nor did I authorize the furnishing of my information to your agency.

Please initiate an investigation into this matter. I request that you provide me with a copy of my complete credit report, along with the details of the creditor who reported the information in question. Additionally, I request that you remove any disputed information from my credit report until this investigation is complete. 

Enclosed with this letter are copies of my identification documents. Please confirm receipt of this dispute and update me on the status of your investigation within the time frame required by law. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  [ XXXX XXXX ] has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish any of my information without my written consent or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any reason.

I will like a full investigation of this matter and receive results in a timely manner thanks in advance.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: DC

Complaint narrative:
I am writing to formally dispute certain information in my credit report that I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have the right to challenge the accuracy of the information in my credit file.

I have reviewed my credit report, and I noticed that my information has been furnished to your bureau without my prior written consent. According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under specified circumstances and with proper authorization. I did not give written consent, nor did I authorize the furnishing of my information to your agency.

Please initiate an investigation into this matter. I request that you provide me with a copy of my complete credit report, along with the details of the creditor who reported the information in question. Additionally, I request that you remove any disputed information from my credit report until this investigation is complete.

Enclosed with this letter are copies of my identification documents. Please confirm receipt of this dispute and update me on the status of your investigation within the time frame required by law.

In accordance with the Fair Credit Reporting Act # XXXX [ KICKOFF INC ] has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish any of my information without my written consent or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any reason.

I will like a full investigation of this matter and receive results in a timely manner thanks in advance.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I was checking my credit report and found this that I don't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-10 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
Im reaching out because Ive been impacted by a data breach that exposed my personal information. Since then, Ive discovered several fraudulent accounts and credit inquiries on my credit reportsaccounts and inquiries that I never authorized or opened. 

These unauthorized accounts are hurting my credit and financial stability, even though I had no involvement with the

m. Im worried about the long-term damage this could cause, especially since Ive already tried contacting the credit bureaus and some creditors directly but havent had the fraudulent information removed. Im formally asking for your help to have these fraudulent acco
unts and inquiries blocked and deleted from my credit reports, as allowed under the Fair Credit Reporting Act. Ive attached the necessary documents to back up my request. Please see the following fraudulent accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Block, Inc.
State: IL

Complaint narrative:
My direct deposit which i get weekly from XXXX XXXX ( XXXX XXXX  ) deposited on XXXX XXXX at XXXX is showing pending. Cash app shows the funds pending instead of being available. Every direct deposit that I have received from XXXX XXXX has been funds immediately available upon deposit ; it has never shown pending. I called the customer service at Cash app to get an answer ( from a manager or supervisor ) but was told that they were to busy ( and was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: VA

Complaint narrative:
On XX/XX/year> A salesman came to my door selling solar panels. I had signed an agreement after I had been told that I qualified on XX/XX/year>. After Careful consideration I had called the installer on XX/XX/year> canceling the order as required per contract. XX/XX/year> i had noticed that solar Mosiac XXXX was reporting on my credit report. I had called Mosiac XXXX on several occasions to close this account. I was told I had to contact the installer. I had in turn contacted the installer who had informed me that my account had been closed as of XX/XX/year>. The Installer agreed to expedite the closing of this account. XX/XX/year> Mosiac XXXX informed me that the installer claimed the account was still active. I went back to the installer and explained what Mosiac XXXX had said. The installer claimed that the closing of my account has been expedited and in a portal awaiting Mosiac XXXX to accept. This acceptance has yet to be processed after 7 months of phone calls. Here I am after 10 months and there is still a loan on my credit report showing all payments on time when a payment had never been made. I am asking that Mosiac XXXX and their installer XXXX XXXX closes the account so that this can be removed from my credit report. I am unclear at who really is handling this. There is an outstanding debt on my credit report showing I had purchased solar panels in the amount of {$31000.00}. The amount is also unclear as there was no inspector to inspect my home nor was there ever a conversation about the quantity of panels that were involved. As of this day, it shows on my credit report as an open loan that is up to date without a single payment made. 
It appears that both of these company are committing fraudulent acts on home owners by taking advantage. Both, " Mosaic XXXX '' and the installer " XXXX XXXX '' refuse to take responsibility and close this out. 
What they are doing is fraudulent at a minimal!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am seeking compensation for the financial losses, legal expenses, emotional distress, and credit damage caused by a wrongful foreclosure initiated by XXXX XXXX XXXX ( now operated under Newrez, LLC ). 

My ex-husband, XXXX XXXX ( now deceased ), was assigned full legal responsibility for the HELOC in question per our divorce decree. I was relieved of all liability, and a court-ordered quitclaim deed transferred the property at XXXX XXXX XXXX XXXX XXXX XXXX, FL solely into my name. I was not a borrower or co-signer on the HELOC. 

Despite these facts, XXXX XXXX XXXX proceeded with foreclosure unlawfully targeting property that was never part of XXXX XXXX estate and that I legally owned outright. 

Furthermore, when XXXX XXXX estate entered probate, the assigned probate attorney acknowledged in writing that this debt was overlooked and never addressed in the estate process. My home should have never been involved. 

The result has been monetary exhaustion, legal fees, emotional trauma, public embarrassment, and lasting credit damage. I am requesting full financial compensation for all resulting losses and harm caused by this unlawful foreclosure and mishandling of a debt that was never mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
Upon reviewing my credit report with all the bureaus on this day of XX/XX/XXXX, I noticed many inaccuracies. These accuracies include the misspelling of my name as well as incorrect and non applicable addresses. These errors affect the accuracy of my credit profile. I request that you remove the incorrect personal data. Enclosed are copies of my drivers license and mail.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my credit report with all the bureaus on this day of XX/XX/XXXX, I noticed many inaccuracies. These accuracies include the misspelling of my name as well as incorrect and non applicable addresses. These errors affect the accuracy of my credit profile. I request that you remove the incorrect personal data. Enclosed are copies of my drivers license and mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation