vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MS

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-05-30 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

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 2025-05-30 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-30 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: TX

Complaint narrative:
Several companies have pulled my credit without my permission, and its seriously hurting my credit score and overall financial standing. I was told by a representative that these unauthorized inquiries would be removed, yet theyre still there. Im deeply alarmed by what may be fraudulent activity, possibly even identity theft. This situation is not only stressful, but its also damaging my financial future in a way that feels both unfair and overwhelming.

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 2025-05-30 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX USC XXXX they are suppose to not furnish any information relating to a consumer to any 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 2025-05-30 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: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Kikoff Inc.
State: AL

Complaint narrative:
FILE A DISPUTE XXXX XXXX XXXX  XXXX Report date : XX/XX/2025 Back Reported balance {$55.00} Actual payment amount {$5.00} Date of last payment XX/XX/2025 Past due amount Account status Pays account as agreed Date reported XX/XX/2025 Payment details Last reported Review your last reported payment information. if you find information that is inaccurate or incomplete, click FILE A DISPUTE button below. 
Account type Revolving XXXX  Help mark icon Account owner Individual Account Loan type Charge Account Creditor classification Revolving credit limit {$750.00} High credit amount {$60.00} Term frequency Monthly Term duration Activity designator Date opened XX/XX/2025 Date reported XX/XX/2025 Date of last activity XX/XX/2025 Payment Details Months reviewed Date of last payment XX/XX/2025 Deferred payment start date Scheduled payment amount {$5.00} Date closed Actual payment amount {$5.00} Charge off amount Payment status View your monthly payment status by year. Click Historical details to select a category and dispute specific information.

Payment History No data returned for Payment History Historical details Select a category to view and dispute specific historical payment information. 
Balance The total amount owed on the account each months No reported data for this category Scheduled payment amount The minimum amount you owed on the account each month No reported data for this category Actual payment amount The actual amount you paid on the account each month No reported data for this category Date of last payment The date you made a payment on the account each month No reported data for this category Amount past due The current past-due amount you owe on the account, including late charges and fees No reported data for this category High credit amount The highest amount you charged to the account No reported data for this category Credit limit The maximum amount of credit available to you on the account No reported data for this category Type of loan The classification of the account, like a credit card or bank card No reported data for this category Activity designator The status of the account, like closed or open No reported data for this category Comments The comments a creditor or lender added to your account when you opened it No reported data for this category Lender or creditor contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I've had a long ongoing debate with US Bank about trying to get my money back since XX/XX/XXXX of last year they say this is a duplicate complaint but they've never addressed it in the first place so how can it be duplicate they still haven't provided me services and I'm due an ADA act title II as well as the UNRuh Act settlement for all of the pain and suffering and mental anguish I've been forced to deal with because you guys failed and haven't done ur Jobs correctly and failed to accommodate me at four different branches cuz I am XXXX and I made it very well aware that I could not write and I needed help and you guys told me over the phone to go into any branch and someone would help me and I did that for different branches and to each one I received no help or no Direction no pointed for the right way or how to handle things nothing was done you guys should be ashamed of yourselves cuz Ada act rules have been around since like XXXX or XXXX one of them get you guys still are having trouble abiding by them uve been discriminate against your XXXX customers and it's very belittling treatment that I've received from your bank and I don't like it and it makes me sad there's is around XXXX embezzled from my account you've stated my ID was blocked on XX/XX/XXXX so how am I making Mobile Banking transactions XX/XX/XXXX that right there proves that they're apparent fraudulent activities going on with my account and I didn't open all the accounts I didn't open five banking accounts are you kidding me if I end going to court over ur banks negligence to properly train your staff and supervise them correctly so that they won't steal your clients money from them!!!!! I'm baffled that I'm still dealing with this this should have been solved like last year this is very sad and looks bad for your bank stealing as well as not accommodating your XXXX customers!!!

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 2025-05-30 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: KY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 2025-05-30 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: GA

Complaint narrative:
* * Subject : Inaccurate Credit Report Information Request for Resolution * * Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate information appearing on my credit report. I However, I have identified multiple inaccuracies in the data reported to the credit bureaus, which adversely affect my creditworthiness. Specifically, incorrect details related to my employment status and address have been listed. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., consumers have the right to dispute inaccurate or incomplete information on their credit reports, and credit reporting agencies are required to investigate such disputes thoroughly, typically within 30 days ( 15 U.S. Code 1681i ). Furthermore, the law mandates that any information found to be inaccurate must be corrected or removed promptly.

I respectfully request that the CFPB take appropriate action to ensure that the credit bureaus investigate my dispute thoroughly and update or remove any erroneous information, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
In 2024, someone from XXXX XXXX XXXX came to me and he offered me if my switch all my lines from XXXX XXXX to XXXXXXXX XXXX XXXX my monthly bill will be around {$140.00} or so. I paid off all my phones in order to get that offer. We agreed he switch my lines, after one month XXXXXXXX XXXX  XXXX send me the bill of {$710.00}. I text him he said dont worry will fix it later. And then he never answer my call and text. Am paying around {$300.00} to XXXX XXXX at that time. So I transfer all my lines to XXXX XXXX again. Now they send me in the collection department I called XXXX XXXX XXXX many times no body resolve that matter. Around XXXX this year some one called me and said you remaining balance is that I explained him and he said dont worry pay {$140.00} we will take care of the rest. But still they put my name in collection department. I saved all the conservation and the amount that I paid to 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 2025-05-30 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section XXXXB regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit XXXX to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX OF XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX Balance {$780.00} XXXX XXXX XXXX Balance {$9800.00} XXXX XXXX XXXX Balance {$780.00} XXXX XXXXXXXX XXXX Balance {$350.00} XXXX XXXX XXXX  XXXX Balance {$510.00} XXXX  XXXX Balance {$6400.00} XXXX XXXX  XXXX Balance {$630.00} XXXX XXXX  XXXX Balance {$650.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance {$430.00} XXXX XXXXXXXX XXXX Balance {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section XXXXB regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit XXXX to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX OF XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX Balance {$780.00} XXXX XXXX XXXX Balance {$9800.00} XXXX XXXX XXXX Balance {$780.00} XXXX XXXXXXXX XXXX Balance {$350.00} XXXX XXXX XXXX  XXXX Balance {$510.00} XXXX  XXXX Balance {$6400.00} XXXX XXXX  XXXX Balance {$630.00} XXXX XXXX  XXXX Balance {$650.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance {$430.00} XXXX XXXXXXXX XXXX Balance {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business Bureau , Inc . 

On XXXX .I received a phone call from a representative of California Business Bureau , Inc. phone number is XXXX ) They claimed I owed over {$2000.00} related to a hospital bill. I told them I had never received any written notice or bill about this debt, and I was not aware of it at all. 

Instead of providing documentation, the representative responded in an aggressive and threatening tone. They said, " I know you own a house, '' " I know where you live, '' " I know your wifes name, '' and " I know where you work. '' These statements were clearly intended to intimidate me. 

The tone and words used made me feel extremely uncomfortable and unsafe. I now feel anxious and worried not only for myself but for the safety of my family. I have not been able to sleep well since the call due to the stress and fear it caused me. 

This kind of behavior is a violation of the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting a formal investigation into their conduct. No one should feel harassed or threatened over a debt they were never even notified of. 

Please help stop this company from using intimidation tactics on consumers. I am happy to provide more details if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MO

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief