vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NC

Complaint narrative:
I do not have a contract nor did I authorize the company to obtain my information my rights of privacy were violated under the FDCPA & FCRA, Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that is inaccurate or incomplete. Additionally, I request that you take the following actions : Immediately cease reporting the incorrect information to any credit reporting agency. 
Investigate the issue and provide me with written confirmation that the disputed information has been corrected or removed from my credit report. 
Ensure that any erroneous accounts or data are updated or removed in accordance with the legal guidelines set forth by the FCRA. 
Failure to comply with this request will leave me with no choice but to escalate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
i receied a hard inquiry from Exeter Finance for an auto loan on XX/XX/year>. I've never heard of this company or applied for anything through them. I called them to ask about this and as soon as I mentioned a credit inquiry i was hung up on. I also emailed and received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX * * * * Balance {$0.00}

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 2025-04-16 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: NY

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX * * * * Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: NC

Complaint narrative:
I do not have a contract nor did I authorize the company to obtain my information my rights of privacy were violated under the FDCPA & FCRA I am writing to formally notify you of a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681a, as it pertains to the collection, distribution, and handling of my personal credit information. 1681b stated, whenever a consumer reporting agency it shall follow reasonable procedures to ensure the maximum accuracy which they did not do It has come to my attention that information regarding an alleged debt has been reported or sold without my knowledge or consent. I want to make it explicitly clear that I never authorized or gave written consent to you, any credit reporting agency, or any third-party debt buyer to share, report, or sell any of my personal or financial information in relation to this matter. 

Under 15 U.S.C. 1681a, the term " consumer report '' is strictly defined, and any distribution of such information without permissible purpose or proper consent violates federal law. Additionally, under 15 U.S.C. 1681b, you are required to have a legally defined permissible purpose to furnish a consumer report to any entity, which includes debt buyers. If no such purpose or authorization exists, the disclosure or sale of such information is unlawful. 

Furthermore, the sale or assignment of a debt does not negate your obligation to ensure that any such transfer is both lawful and authorized, especially when it involves my private information. I am requesting immediate clarification regarding the origin of your authority to distribute, sell, or otherwise share my personal financial data, and to whom this information has been provided. Under the FCRA I can sue for statutory damages according to law I hereby demand : Proof of them providing a 1099c from my understanding it wasnt never agreed upon A complete account of any and all entities to whom my alleged debt or personal credit information has been disclosed or sold. 
The legal basis and documentation proving your authority and my consent for such action. 
Immediate cessation of any further distribution or sale of my personal data without express, written consent. 
An investigation and correction of any inaccurate or unauthorized information reported to any third party. 
Failure to respond appropriately within 30 days of receipt of this letter may result in further action, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potentially pursuing legal action for damages as provided under the FCRA. 

Please consider this a formal notice of dispute and demand for verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MD

Complaint narrative:
Unauthorized inquiries on my Transunion Account. 

XXXXXXXX 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 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: NY

Complaint narrative:
I wrote a check to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for my final electric bill at my old residence. XXXX cashed the check and I have proof of it being cashed via my online banking statement. Shortly after, XXXX sent my bill to REVCO solutions ( debt collector ) and now I have that bill in collections. Very frustrating because my credit has taken a hit I called Revco, they insisted I owed them the money and to call XXXX, but XXXX insists that they did NOT send the bill to collections, even though it states that on my credit report. Neither XXXX nor REVCO are willing to help me. 
Attached document is the photo of the cashed check from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am writing you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by the credit bureau on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place unauthorized accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. The credit bureaus has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and XXXX USC XXXX XXXX ( 7 ) ( A ) .The credit bureau is flagrantly disregarding consumer protection statutes. I did not receive any notice from unauthorized accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that the credit bureau remove these account 's from my credit report and cease all collection efforts immediately.

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 2025-04-16 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 am writing to file a formal complaint regarding multiple accounts that have been improperly reported by the credit bureau on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place unauthorized accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. The credit bureaus has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and XXXX USC XXXX XXXX ( 7 ) ( A ) .The credit bureau is flagrantly disregarding consumer protection statutes. I did not receive any notice from unauthorized accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that the credit bureau remove these account 's from my credit report and cease all collection efforts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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:
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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Disputed negative accounts more than once .Due to Data breach and inaccurate data and also having a ftc report, TransUnion has not done their job at all

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am disputing a charged-off auto loan from XXXX XXXX XXXX that is reporting inaccurately on my TransUnion credit report. The account shows a balance of {$8300.00} but lists the highest balance as {$0.00}, which is inconsistent. I disputed this through XXXX XXXXTransUnion and was denied without receiving verification or documentation. 

This account became delinquent during the XXXX pandemic in XXXX, when I lost income and returned the vehicle voluntarily. I believe continued negative reporting is unfair given the circumstances and request that the account be removed or corrected under 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was charged off on the following date ( XXXX, XXXX  ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This is inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2025-04-16 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: CA

Complaint narrative:
Subject : Identity Theft Request to Remove Unauthorized Inquiry under FCRA 605B Dear Equifax Dispute Department, I am writing to request the immediate removal of a fraudulent hard inquiry from my Equifax credit report. The inquiry in question was made by XXXX XXXX on XX/XX/year>, and I did not apply for any credit or authorize this request. 
Supporting documents attached : FTC Identity Theft Report ( # XXXX ) Government-issued photo ID Proof of address ( utility bill ) Copy of XXXX ( last XXXX digits : XXXX ) I am a victim of identity theft and have attached my official FTC Identity Theft Report ( Report # : XXXX ) in support of this request. This report was filed under penalty of perjury and documents the unauthorized use of my personal information. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX, you are required to block fraudulent items from a consumers credit file within XXXX business days of receiving proper documentation. As such, I am asking that the following inquiry be removed from my credit report immediately : XXXX XXXX XX/XX/year> This request is made in good faith and includes all necessary supporting documentation. If you require further verification of my identity, I am happy to provide additional information upon request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ).

This incorrect information includes wrong addresses, names, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. 
Inaccurate Information : XXXX. Wrong Addresses : - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX, KY XXXX - Correct Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Incorrect Names : - Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX - Correct Name : XXXX XXXX XXXX XXXX Wrong Employers : - Incorrect Employer : XXXX XXXX  - Correct Employer : XXXX Actions Requested : XXXX. Remove Incorrect Addresses : Please remove the incorrect addresses listed above from my credit report. 
XXXX. Correct Name : Please ensure that only my correct name, XXXX XXXX XXXX XXXX reflected on my credit report. 
XXXX. Remove Incorrect Employers : Please remove the incorrect employers listed above from my credit report.

Supporting Documentation : To assist in verifying my correct personal information, I have enclosed copies of the following documents : - A copy of my government-issued ID. 
- A copy of my Social Security Number - A copy of document showing my correct address I Impact : These inaccuracies have the potential to affect my creditworthiness and cause confusion in my credit profile. It is essential that my credit report contains accurate and up-to-date information. 
Desired Resolution : I am requesting that Equifax promptly investigate and correct these inaccuracies. Please con rm in writing once the corrections have been made and provide me with an updated copy of my credit report. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these inaccuracies.

Company response to consumer: Closed with non-monetary relief