vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: AL

Complaint narrative:
Subject : Request to Remove Inaccurate Collection Account Re : XXXX XXXX XXXX XXXX XXXX Disputed Collection Account I am writing to formally dispute the accuracy of a collection account being reported on my credit report by XXXX XXXX XXXX XXXX XXXX. The account is inaccurate and should be removed based on documentation I received directly from the collection agency. 
After I submitted a validation request to XXXX XXXX Solutions, their written response confirmed the following : " This will confirm that all collection activity has been suspended and your credit report has been updated to reflect that this account is disputed. '' XXXX XXXX, General Counsel, XXXX XXXX XXXX XXXX XXXX Based on this, the debt has not been validated, collection activity is suspended, and the account is actively disputed. Per the Fair Credit Reporting Act ( FCRA ), unvalidated or inactive collection accounts should not remain on my credit file in a way that misleads lenders or impacts my creditworthiness. 
Given that the agency has not provided sufficient validation and has acknowledged a dispute status, I am requesting that this account be permanently removed from my credit report. 
Please conduct a reinvestigation in accordance with the FCRA, and notify me of the results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
Im requesting a correction to my personal information listed on my credit report. The current details are inaccurate, and this has been interfering with my credit applications it's incredibly frustrating and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize the following inquiries : INQUIRIES NOT RECOGNIZED 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 I was never late in the follosing accounts Account name Account number Reason for dispute XXXX  XXXX  XXXX  XXXX  This account was never paid late, please correct it. 
XXXX XXXX This account was never paid late, please correct it. 


15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting a formal request for the investigation and deletion of multiple unauthorized hard inquiries currently appearing on my Equifax credit report. These inquiries were made without my knowledge, consent, or initiation, and after contacting the listed creditors, they confirmed they do not have any signed applications, verbal agreements, or other documentation indicating that I authorized these inquiries. 
Below are the specific inquiries I am disputing : 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  These entries were most likely verified automatically through the EOSCAR system ( Electronic Online Solution for Complete and Accurate Reporting ). However, the Consumer Financial Protection Bureau ( CFPB ) has publicly acknowledged that EOSCAR is insufficient when accuracy depends on original documentation rather than automated data matching. Because of this, I am demanding a manual reinvestigation of each inquiry, along with full verification of any documentation used to validate them. 
I am also requesting copies of any original application forms or documents that Equifax or the data furnishers might have on file. If such documentation can not be produced, the inquiries are legally unverifiable and must be removed from my report. 
FCRA Violations Involved : 1.15 U.S.C. 1681b ( Section 604 ) These inquiries do not meet permissible purpose requirements under the law.

2.15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) Unverifiable information must be promptly deleted.

3.15 U.S.C. 1681g ( Section 609 ) I have the right to verify every inquiry ; without signed proof of authorization, these entries are invalid.

4.15 U.S.C. 1681s-2 ( Section 623 ) Information furnishers are responsible for ensuring accuracy and lawful basis, which is lacking here. 
5.15 U.S.C. 1681c-1 ( Section 605A ) Inquiries potentially linked to unauthorized use of my identity must be removed under this section. 
Supporting Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Accessing a credit report without consumer consent or permissible purpose is a violation of the FCRA. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ) : Reinforces the requirement that inquiries must meet strict permissible purpose standards. 
I have made a good-faith effort to resolve this matter directly with Equifax, but the situation remains unresolved. I am requesting the CFPB to intervene and require Equifax to perform a thorough reinvestigation and delete these unauthorized inquiries in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint to the CFPB for the immediate deletion of the following unauthorized reported hard inquiries from my Equifax credit report, which I did not allow or authorize to be included in my credit file : XXXX XXXX. XXXX XXXX. These inquiries were reported without my knowledge or written consent, which violates 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), requiring a valid permissible purpose for any access to my consumer report. Equifax has no authorization or written instruction from me, and yet these inquiries were reported. This also violates 15 U.S.C. 1681e ( b ), which mandates Equifax to follow reasonable procedures to assure maximum possible accuracy. If Equifax will not remove the inquiries, and their continued reporting without verification constitutes willful and/or negligent noncompliance, making them liable under 15 U.S.C. 1681n and 1681o, I can seek {$1000.00} per damages. I am demanding that Equifax delete these inquiries immediately and provide written confirmation of the removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of XXXX XXXX and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
Account Hunter Warfield I'm Unaware of this debt and the Company trying to collect it. I did not have the opportunity to dispute this account. If you believe you sent proper notification. please provide '' Certified Mail '' with receipt displaying my signature. If not, please delete this Account as soon as possible from my report or i will be forced to take legal action. 15 U.S. Code 1692g, also known as the " Validation of Debts '' section of the Fair Debt Collection Practices Act ( FDCPA ), outlines the requirements for debt collectors to provide consumers with information about the debt being collected. This section ensures consumers have the opportunity to dispute the debt and learn about the original creditor if different from the current collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have noticed that there is a fraud account from TSI COLLECTIONS, which does not belong to me. I reported about that to TSI COLLECTIONS yet TSI COLLECTIONS is not removing this fraudulent account. TSI COLLECTIONS has no right to refuse to remove this fraudulent account because I am a victim of identity theft, and I have filed a valid police report. 
According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet TSI COLLECTIONS has refused to do this. 
The following is the fraudulent account : TSI COLLECTIONS/ XXXXXXXX XXXX XXXX XXXX XXXX  /Date opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
In XX/XX/year> XXXX XXXX XXXX was able to somehow access not only my cashapp but steal XXXX from me. She was transferring money from my checking account. I saved all the screenshots right down to when she stole my grocery money of XXXX. Find attached screenshots from this mess. I have filed a dispute with XXXX and its still being disputed because they are waiting for a response from cashapp. My phone number has changed to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
My account with EXTRA was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 in to be removed.

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.

EXTRA never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I disputed this multiple times. I have the original letter that I dispute it. The 60 days been passed Experian XXXX XXXX XXXX  are breaking FCRA law. This is identity theft I do not recognize these accounts. Ive never opened up any account with the furniture. This is identity theft EXPERIAN XXXX XXXX XXXX. IS NOT CONDUCTING A REASONABLE REINVESTIGATION. AND HAVE VIOLATED MY RIGHTS. THEREFORE, IM DEMANDING THESE ITEMS BE BLOCKED DUE TO IDENTITY THEFT. THESE ARE NOT MY ACCOUNT. I DO NOT RECOGNIZE THESE ACCOUNTS. IVE NEVER OPENED ANY CONTRACTUAL AGREEMENT WITH THESE creditors ( a ) IDENTITY AND PURPOSES OF CREDIT USERS Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Attempts to collect a debt that does not belong to me. Please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I'm reaching out because there is an account showing up on my credit report that simply does not belong to me. This account appears to be mixed in with my personal credit information, and its tied to someone else entirely. I want to be absolutely clear : this is not my account, and I have no connection to it.

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