vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, a debt buyer that is reporting a {$670.00} collection account on my TransUnion and Experian credit reports. The original creditor listed is XXXX XXXXXXXX XXXX XXXXXXXX. 

On XX/XX/year>, I mailed formal dispute letters under FCRA 609 to both credit bureaus requesting verification of this debt. I specifically requested : A copy of the original signed contract A complete itemized statement of charges Proof of legal assignment of the debt from XXXX XXXX XXXX  to XXXX XXXX procedures under my active fraud alert To date, I have received no documentation or verification from either bureau or XXXX XXXX. However, the account continues to report as valid and now shows the remark disputed by consumer, meets FCRA requirements despite never fulfilling my verification request. 

XXXX XXXX is a third-party debt buyer, and as such, must maintain and provide proof of ownership and accurate records. They have failed to do so. 

Additionally, I have an extended fraud alert on file, which triggers legal obligations under FCRA 605A. The credit bureaus and data furnishers must contact and verify identity before verifying or updating disputed derogatory accounts. This did not occur.

Harm Ive Experienced : Credit score damage due to the collection Credit denials and higher interest rates Ongoing emotional and financial stress Requested Relief : I am requesting that this XXXX XXXX  account be immediately deleted from my credit reports with TransUnion and Experian for the following reasons : Failure to verify under FCRA XXXX Failure to delete unverified data under FCRA 611 Violation of fraud alert procedures under FCRA 605A Ongoing harm caused by the continued reporting of a debt they can not legally prove Attached to this complaint is a copy of my original 609 dispute letter dated XX/XX/year> and supporting identification.

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 2025-06-25 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-06-25 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I've been making payments to XXXX also known as Milestone currently known as Concora. I recently pulled my credit to find that this company charged off this account and did not notify me. I have been paying Concora via direct pay from my bank. In total I've paid {$900.00} towards the balance. When I pulled my report I noticed a company I had no knowledge of reporting that they are owed for the balance of {$1200.00} noting the original creditor as Milestone. I am disputing not only the balance owed but that I have been sending payment to Concora and they have not made any attempts to inform or correct anything. As of this complaint/dispute Concora has not sent any notices since I requested and inquired about this account in XXXX and XX/XX/year>2024 nor have they provided a XXXX after charging this debt off. 
Also it shows I've made payments on this account to XXXX XXXX, again I do not know this company nor have I sent payment. Payments have only been made to the original creditor XXXXMilestone/Concora so it's odd that the original creditor is holding the recent payments that have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
This is to formally dispute several accounts listed on my credit file that I did not open or authorize. I do not recognize these creditors, and I have never conducted business with them. The accounts are therefore incorrect and must be removed to ensure the accuracy of my credit report.

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 2025-06-25 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
chex systems wouldnt let me make a account to see why banks wouldnt accept my application but i think its fraud from XXXX XXXX but i need it removed because i never did fraud i just got a lot of money from selling snack at school

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 2025-06-25 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NCB Management Services Inc.
State: MO

Complaint narrative:
This letter serves as my formal dispute of the debt NCB Management Services , Inc. claims I owe. I do not acknowledge any liability for this alleged debt, and I am requesting, as allowed under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, that you provide complete validation of the debt.

Since this debt was allegedly purchased from another entity, I am requesting the following documentation : 1. The name and address of the original creditor 2. A full itemized accounting of the debt, including how the amount was calculated 3. A copy of the original contract or agreement signed by me with the original creditor 4. A complete chain of title showing NCB Managements legal right to collect this alleged debt 5. The date of last payment, date of charge-off, and any interest or fees added after charge-off 6. A copy of any judgment, if one exists Until this information is provided, I request that you cease all collection activity, including calls, letters, and credit reporting. If this debt has already been reported to any credit bureau, it must be marked as disputed under the Fair Credit Reporting Act ( FCRA ).

Please be advised : continued collection efforts without proper validation is a direct violation of the FDCPA, and I am prepared to report such actions to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX the XXXX XXXX XXXX was paid off Vin Number XXXX with XXXX XXXX XXXX, which was never contacted by Experian, from XX/XX/XXXX to XXXX of XXXX its reported as I made payments to XXXX XXXX XXXX, and I never have, But Experian posting negative inaccuracies from XXXX to XXXX, I lost high paying jobs, couldn't rent, nor get loans for my company. And what hurts me emotionally is a phone call isn't an investigation, I lost 5 years of growth, loss of income, and emotional distress. I have filed dispute after dispute and nothing ever happens. I couldn't even open a bank account for a line of credit. There is no way under the fair credit act in any sections 15 U.S.C 1681 start that you can pay a loan on a paid car, especially for a higher price. that would make me beyond stupid.

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 2025-06-25 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: MD

Complaint narrative:
I am a victim of identity theft, and there are numerous unauthorized hard inquiries on my credit report that I did not initiate or consent to. These inquiries were made by various lenders and institutions without my permission. 

I have submitted an official identity theft report to the FTC, along with my government-issued ID, Social Security card , and a bill to Equifax, Experian, and TransUnion. Despite providing all required documentation and referencing my rights under FCRA Section 605B, Equifax, Experian, and TransUnion has refused to block or remove the fraudulent inquiries. They continue to claim the FTC report is unclear, although I have clearly identified each inquiry as unauthorized. 

Here is the list of fraudulent inquiries that I am requesting to be removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/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 I am requesting that the CFPB investigate Equifaxs noncompliance with FCRA 605B and require them to block these unauthorized inquiries as required by law.

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 2025-06-25 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:
I am a victim of identity theft, and there are numerous unauthorized hard inquiries on my credit report that I did not initiate or consent to. These inquiries were made by various lenders and institutions without my permission. 

I have submitted an official identity theft report to the FTC, along with my government-issued ID, Social Security card , and a bill to Equifax, Experian, and TransUnion. Despite providing all required documentation and referencing my rights under FCRA Section 605B, Equifax, Experian, and TransUnion has refused to block or remove the fraudulent inquiries. They continue to claim the FTC report is unclear, although I have clearly identified each inquiry as unauthorized. 

Here is the list of fraudulent inquiries that I am requesting to be removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/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 I am requesting that the CFPB investigate Equifaxs noncompliance with FCRA 605B and require them to block these unauthorized inquiries as required by law.

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 2025-06-25 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: TX

Complaint narrative:
I am reaching out to dispute several accounts reported in my name that I did not open and do not recognize. These accounts were established without my knowledge or consent, and I believe they were fraudulently created. They are negatively affecting my credit and must be addressed 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 non-monetary relief
Consumer complaint received 2025-06-26 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:
My Information was sold and bought illegally because I was a victim of the XXXX Data Breach. I want these items deleted from my credit reports effective immediately. 
I am attaching proof that XXXX  has admitted that i was in fact a victim of this data breach, XXXX, Experian and XXXX have done nothing to fix the misuse of my credit. 
Please help me delete illegal accounts from all of my credit reports. 
The following accounts, addresses and inquiries were fraudulent, and they need to be removed from my credit reports. 

Fraudulent Addresses NEED TO BE REMOVED 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

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 2025-06-25 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:
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 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 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 XXXXXX/XX/XXXX, XXXX XX/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