vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
Let me be clear : this complaint is not a mistake or misunderstanding. My credit report contains inaccuracies that clearly fail to meet the legal standard of maximum possible accuracy. These errors are causing ongoing harm to my financial stability and personal well-being.

This situation is taking a serious toll on me during an already difficult time. I am urging you to correct and/or remove these inaccuracies without further delay. Your prompt action would make a meaningful difference in resolving the hardship this has 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 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: National Commercial Services, Inc
State: NH

Complaint narrative:
I am being contacting by email be NCS collection agency for a Insurance claim on a property that I do not own have never owned and have never signed any agreement to be liable for anything that happens on the property and also the condo documents say the owner of the properties are liable not anyone that lives there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-06-04 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: IN

Complaint narrative:
Ive been delivering with XXXX since XXXX and had been actively driving without any issues or deactivations even after the XXXX infraction occurred. That violation was due to a misunderstanding involving a plate transfer when I got a new car. It was resolved quickly, and I continued driving with no problems for nearly two years. 

In XX/XX/XXXX, I updated the car color in the XXXX app, which triggered a new background check through Checkr. Thats when XXXX suddenly deactivated me based on that same XXXX infraction despite it already being known and previously not disqualifying. 

I disputed the report with Checkr on XX/XX/XXXX and included context, but received no real update. I am now blocked from submitting additional information. When I contacted XXXX, they initially told me they could not help and that it was up to Checkr. But after more follow-ups, XXXX confirmed that they made the final decision to deactivate me. 

So Im now stuck : Checkr wont let me reopen the dispute, and XXXX is standing by a decision based on outdated, already-known information. Ive lost my income with no way to fix it. Im asking for a fair and honest review of this situation either by XXXX or through correction of my background check so I can return to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: WI

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld Systems A company I have NEVER heard of is attempting to damage my credit report with false reporting. Somehow they got my social security and are attempting to steal money from me to the tune of {$250.00} When I look on my credit report there is no information on what they're collecting for, and have no official address. ( see attached picture ) I have no knowledge of who this company is and never signed any paperwork with them, I never purchased product from them, and when I asked for proof of what items were sold to me, who sold them to me and a picture of my signature they didn't respond. remove this from my credit report immediately or I will contact the police, and an attorney for damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: PR

Complaint narrative:
I have reviewed my credit report and noticed incorrect and inconsistent information which I have filed several disputes with Experian and after sending several mailed letters certified mail to which I have proof with information showing the reason for my disputes and asking them to correct the issues to date they have not been able to provide me with any information that indicates the incorrect information they are reporting belongs to me. In light of them being sued for not effectively reporting correct information I would like to file a complaint seeing I am affected and this has greatly affected my ability to obtain credit. Please advise as to next steps since this is really distressing and affecting me in a negative manner. Thank you.

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 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-06-04 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: AR

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Against Credit Bureaus for Failure to Investigate Disputed Accounts Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the three major credit reporting agenciesEXPERIAN, EQUIFAX, and

TRANSUNIONfor their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) in properly investigating and correcting inaccurate, unverifiable, and potentially fraudulent items on my credit reports. Despite my previous disputes, these credit bureaus have continued to report negative accounts that they have not properly verified and have failed to remove. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items continue to appear on my credit reports without any evidence that they are valid or legally binding. Under the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information and request that the bureaus verify the information with the data furnishers.

I am demanding that each bureau provide me with full documentation, including : * A copy of the original signed contract or agreement with my full legal name, * Any application or account opening documents bearing my signature, * Proof of the alleged debts validity, including a full itemized
breakdown, and * The name and contact of the furnisher that verified the item.

To date, I have not received any of this documentation from any of the credit bureaus or the reporting companies. Continuing to report this unverifiable information is a direct violation of the FCRA and damaging to my financial profile.

I request the CFPBs assistance in : 1. Investigating this matter thoroughly ; 2. Requiring the credit bureaus and data furnishers to produce full, verifiable proof of these accounts ; 3. Ensuring the immediate removal of any item that can not be fully validated with documentation ; 4. Holding these entities accountable for failure to comply with federal law. Sincerely 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 2025-06-04 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:
This record of late payments is erroneous and does not accurately reflect my consistent payment behavior. I have consistently paid on time, and I request its deletion to ensure my account reflects accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
I

am filing a formal complaint against TransUnion for reporting inaccurate, outdated, and unverifiable information on my credit report in violation of the FCRA and FDCPA. I have submitted multiple disputes regarding fraudulent and obsolete accounts that do not belong to me, include re-aged data, or were reported without permissible purpose.

TransUnion has failed to properly investigate within the 30-day window required under 15 U.S.C. 1681i. They also violated 1681e ( b ) ( failure to ensure maximum accuracy ) and 1692e by continuing to report these accounts after notice.

Additionally, incorrect personal details like past addresses, phone numbers, and outdated employers remain on file. Ive included an FTC Identity Theft Report and supporting documentation proving these inaccuracies.

I am demanding deletion of all unverifiable and inaccurate accounts, correction of personal information, and issuance of a corrected 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in response to a collection notice I received from your agency regarding the debt referenced above. I do not acknowledge this debt and am requesting validation of the alleged obligation, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request the following documentation : The name and address of the original creditor ; A copy of the original signed contract or agreement creating the debt ; A complete payment history on the account, including all charges and payments ; Proof of your authority to collect this debt, including a copy of the assignment or purchase agreement that grants your agency the right to collect on this debt ; The amount of the alleged debt, including a breakdown of interest, fees, payments, and principal ; Verification that this debt is within the statute of limitations in my state.

Please consider this a formal dispute of the validity of this debt. Until you provide the requested documentation, you must cease all collection activity, including reporting this debt to credit bureaus, as required by federal law.

If you can not provide sufficient validation within 30 days of receipt of this letter, please cease collection and remove any associated entries from any credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I opened up an account through XXXX to purchase and trade cryptocurrencies. I put all my savings into it and I seemed to do very well. I was shown that I made a profit of {$350000.00}. When I went to take out some of the money they said that I had to pay taxes on the profit in the amount of almost {$72000.00} Before I could take out the money. I told them that they have all my money and that I could not pay the taxes on my money unless I got my money out. They again said that I could not access Any of the funds, even what I put in until I paid the taxes. So my money is being held hostage. XXXX uses XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
Let me be clear : this complaint is not a mistake or misunderstanding. My credit report contains inaccuracies that clearly fail to meet the legal standard of maximum possible accuracy. These errors are causing ongoing harm to my financial stability and personal well-being.

This situation is taking a serious toll on me during an already difficult time. I am urging you to correct and/or remove these inaccuracies without further delay. Your prompt action would make a meaningful difference in resolving the hardship this has 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 non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
Several companies have accessed my credit report without authorization, damaging both my credit and score. Despite prior assurances from your agency, these inquiries remain. This inaction is unacceptable and raises serious concerns of identity theft. The ongoing emotional and financial harm is substantial. I demand an immediate investigation and the prompt removal of all unauthorized inquiries from my 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 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
In XXXX I became aware that my loan from XXXX XXXX was tranferred to a new company-XXXX. The information on the XXXX portal told me that my escrow account was closed and a check for XXXX XXXX  some dollars was mailed to me. I have not received these funds and am unable to reach anyone at XXXX XXXX for help. I tried calling their mortgage assistance line and get kicked the system recognizes my phone number and ends the call stating that my loan has been closed. 

I tried email representatitves at XXXX to tell them about the problem and they simply referred me back to the XXXX number. I tried calling my new lends XXXX several times in XXXX about the issue, and they told me to wait for the check from XXXX XXXX, my funds of {$9000.00} are missing. I have not received the check. My property taxes are due and I am now having to come up with more money to pay. Please help! I can not get ahold of a live person to help 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 explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I have contacted TransUnion on multiple occasions to have an inquiry removed. I have been contacting them since the inquiry date of XX/XX/year>. I have contacted them via phone and by certified mail with the documentation to have the inquiry deleted and no resolve to date. 

XXXX pulled my credit for an application that I did not apply for. I called them immediately and they cancelled the entire application. I was sent a letter by XXXX that explained the inaccuracy and I sent the same letter to TransUnion and it still appears. 

My last certified letter was sent out in XX/XX/year> to TransUnion

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 2025-06-04 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: LA

Complaint narrative:
b'Im filing a complaint against Experian. I spoke to  experian customer service to dispute unrecognized hard inquiries on my credit report. The agent told me I had to call each furnisher to see why they ran my credit report and provide them proof of each inquiry that it was either authorized or unauthorized. Under 15 USC 1692G,  If they cannot validate these hard inquires as being authorized by me that they must delete them immediatly. There was no signature by me, approving for my credit to ran by the following companies.  Here is the list of hard inquiries I would like deleted. \n\nXXXX XXXX XXXX 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 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