vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: SC

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.

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 2025-02-27 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-02-27 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. 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  -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX # XXXX XX/XX/XXXX -- {$2900.00} UNAUTHORIZED INQUIRIES : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
The following inquiries do not belong to me : 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 2025-02-28 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: GA

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! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
this company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me XXXX XXXX XXXX Balance {$810.00} XX/XX/scrub>XXXX XXXX XXXXXXXX  XXXX Balance {$1700.00} XX/XX/scrub> XXXX XXXX XXXXXXXX Balance {$2700.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XX/XX/scrub>XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NC

Complaint narrative:
The following message THE BUREAUS INC has flagged your account as Collections. appeared within my XXXX  report on XX/XX/XXXX. However, I am not familiar with the Bureaus Inc nor do I have any debts to be collected. Furthermore, I am requesting a credit boosts and reassessment from XXXX and other credits companies as my score has been affected tremendously and is continuing to lower despite on time payments towards accounts owned by me. Furthermore, I have never possessed a XXXX XXXX and find it unfair that XXXX XXXX XXXX has been affecting my credit score despite me never having a XXXX XXXX XXXX and being able to support this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
On XXXX XXXX XXXX ; speedy cash has attempt to withdrawl {$1300.00} from checking account. This is an unauthorized transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: KS

Complaint narrative:
Noticed NCB Mangement on my credit Report. Called the number listed on report to find out what this was about. They Immediately referred me to a company by the name oXX/XX/XXXXXXXX and told me they were handling the debt to call them because NCB could not give me any info. ( they are on my credit report ) I called XX/XX/XXXX and spoke to XXXX ID # XXXX she could not find the account until I told her that per NCB this had not been sent over until XX/XX/scrub> 2025. She said she could not give me any information because they had not received details. I stressed the urgency and importance of this matter to no avail. ( she was, at least, very kind ) I called NCB management back and was told several times they could not help me until I demanded to speak to a supervisor. The supervisor was very kind but all of the information they had for the account that I supposedly opened was incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/ 2025, Citibank had placed a fraud alert on my business checking account. I was informed of the fraud alert on XX/XX/2025. I was only informed due to the fact that I had no access to my bank account or the funds within it and so I made a call to Citibank customer support in which I was informed. After an extensive amount of time on the phone with different representatives of different departments, I was not given any information pertaining to the fraud alert, and was only told that my account would be closed within the month and that the balance within the account will be sent via check within 30 to 60 days. At the time of the closure, there was approximately {$30000.00} USD given that I am a small business. It was essentially all the money required to run the business which has since given me extreme difficulty functioning without. In order to attempt to correct the issue I have spoken to representatives on the phone as well as representatives within a branch location as well as my personal banker for my business account. I was not given any information whatsoever from any Citibank sources on how this conflict could be mediated and how I can get my balance back. Multiple sources online state that Citibank will frequently take much longer than 30 to 60 days to return an account balance to the owner. From my understanding of the situation, Citibank is holding my money hostage and preventing me from running my business, which is in it of itself costing me more money.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX : This is an account I co-signed ( XXXX, XXXX  ) for my daughter XXXX XXXX who secured a loan with XXXX XXXX. She paid on the loan until last year when she filed bankruptcy. This loan was charged off, however, they added it to my credit report with the full loan amount of $ XXXX. I've tried to dispute it several times. I know this is a subprime lender that has several lawsuits filed against by consumers. I have never had possession of this car. This loan has disqualified me from refinancing my home back in XXXX. 

XXXX  : I have paid these accounts in full. 
XXXX XXXX : This account has been paid in full. 
XXXX : {$800.00} - Incorrect balance and reporting dates. 
XXXX XXXX : {$500.00} - Incorrect balance and reporting dates. 
XXXX / XXXX XXXX  : {$480.00} - Incorrect balance and reporting dates. 
XXXX XXXX XXXX  : {$730.00} - Incorrect balance and reporting dates. 
XXXX XXXX  : {$1000.00} - Incorrect balance and reporting dates. 
XXXX XXXX  : {$490.00} - Incorrect balance and reporting dates.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX : This is an account I co-signed ( XXXX, XXXX ) for my daughter XXXX XXXX who secured a loan with XXXX XXXX. She paid on the loan until last year when she filed bankruptcy. This loan was charged off, however, they added it to my credit report with the full loan amount of $ XXXX. I've tried to dispute it several times. I know this is a subprime lender that has several lawsuits filed against by consumers. I have never had possession of this car. This loan has disqualified me from refinancing my home back in XXXX. 

XXXX  : I have paid these accounts in full. 
XXXX XXXX : This account has been paid in full. 
XXXX : {$800.00} - Incorrect balance and reporting dates. 
XXXX XXXX : {$500.00} - Incorrect balance and reporting dates. 
XXXX / XXXX XXXX  : {$480.00} - Incorrect balance and reporting dates. 
XXXX XXXX XXXX  : {$730.00} - Incorrect balance and reporting dates. 
XXXX XXXX  : {$1000.00} - Incorrect balance and reporting dates. 
XXXX XXXX : {$490.00} - Incorrect balance and reporting dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX : This is an account I co-signed ( XXXX, XXXX ) for my daughter XXXX XXXX who secured a loan with XXXX XXXX. She paid on the loan until last year when she filed bankruptcy. This loan was charged off, however, they added it to my credit report with the full loan amount of $ XXXX. I've tried to dispute it several times. I know this is a subprime lender that has several lawsuits filed against by consumers. I have never had possession of this car. This loan has disqualified me from refinancing my home back in XXXX. 

XXXX  : I have paid these accounts in full. 
XXXX XXXX : This account has been paid in full. 
XXXX : {$800.00} - Incorrect balance and reporting dates. 
XXXX XXXX : {$500.00} - Incorrect balance and reporting dates. 
XXXX / XXXX XXXX  : {$480.00} - Incorrect balance and reporting dates. 
XXXX XXXX XXXX  : {$730.00} - Incorrect balance and reporting dates. 
XXXX XXXX  : {$1000.00} - Incorrect balance and reporting dates. 
XXXX XXXX : {$490.00} - Incorrect balance and reporting dates.

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 2025-02-27 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 has been breached and I want to file a data breach complaint against this company

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 2025-02-27 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: FL

Complaint narrative:
My information has been breached and I want to file a data breach complaint against this company

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 2025-02-27 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: MI

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
1. XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2025-02-27 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 request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.

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 2025-02-27 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX Subject : Dispute of Reporting Under Section 16810 for Civil Liability Dear Equifax, I am writing to formally dispute the validity of certain items on my credit report due to civil liability for negligent non-compliance as described under Section 16810. My name is XXXX XXXX XXXX, and my Social Security number is XXXX. 

Upon review of my credit report, I have identified specific account or collection item from XXXX XXXX XXXX which I believe has been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically regarding negligent non-compliance standards. 

I believe this account does not reflect accurate information, and I am requesting that you investigate this matter in accordance with your obligations under the FCRA. Kindly remove this item from my report if found non-compliant or inaccurate. 

I have attached copies of my credit report highlighting the disputed information for your review. Please provide me with a response detailing the outcome of your investigation within the statutory timeframe. 

Thank you for your prompt attention to this matter. 

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 2025-02-27 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the continued inaccurate reporting of the XXXX XXXX  account on my credit report. Despite my previous dispute, the information reported remains inconsistent and incorrect across the three major credit bureaus. As per the Fair Credit Reporting Act ( FCRA ), I demand a reinvestigation and immediate correction or deletion of these inaccuracies.

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