vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: MS

Complaint narrative:
I am writing to bring to your immediate attention the concerning findings upon reviewing my credit report. After a thorough examination, I have discovered a significant amount of inappropriate, misleading, inaccurate, and incomplete information that has been reported.

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 2025-05-06 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: CO

Complaint narrative:
On or arounXXXX XXXX XXXX XXXX, a collection account from NCB Management Services in the amount of {$3600.00} was reinserted into my TransUnion credit report. This account was previously removed, yet I was not notified of the reinsertion within the required 5 business days, which violates FCRA 611 ( a ) ( 5 ) ( B ).

Furthermore, NCB Management Services reported themselves as the original creditor in some instances, while other records indicate the actual original creditor was Republic Bank Trust Co. This is misleading and constitutes a violation of both the Fair Credit Reporting Act ( FCRA 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807 ) for false representation. 

Additionally, they reported the Date Opened as XX/XX/XXXX, which appears to be the date they purchased the debtnot when the original delinquency occurred. By doing this, they effectively re-aged the account to remain on my credit file until XX/XX/XXXX, which also violates FCRA 623 ( a ) ( 5 ), requiring accurate reporting of the Date of First Delinquency ( DOFD ). 

This account caused a XXXX drop in my credit score upon reinsertion. I was not notified, the account 's age was misrepresented, and the entity misrepresented their role in the debt. 

I am requesting : 1. A full investigation into these violations, 2. Permanent removal of this tradeline from all credit bureaus, 3. Appropriate corrective action taken against NCB Management Services for misreporting and re-aging.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
On XX/XX/XXXX, I sent a formal complaint outlining the following inaccurate information that Experian, Equifax, and TransUnion are reporting on my credit report : The following inquiries were not authorized by me : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX The following names are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) The following addresses are fraudulent and are not my addresses whatsoever : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) The following telephone numbers and email address are/is inaccurate and unverifiable as well and need to be removed immediately for accuracy. 
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
On XX/XX/XXXX, I sent a formal complaint outlining the following inaccurate information that Experian, Equifax, and TransUnion are reporting on my credit report : The following inquiries were not authorized by me : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX The following names are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) The following addresses are fraudulent and are not my addresses whatsoever : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) The following telephone numbers and email address are/is inaccurate and unverifiable as well and need to be removed immediately for accuracy. 
( 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 2025-05-06 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: MI

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MI

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-05-06 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: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Thank you, XXXX Ive included that important detail in this updated version of your complaint : -- - I am submitting this formal complaint against * * Equifax * * for the continued and unlawful reporting of a collection account by * * XXXX XXXX * * on behalf of * * XXXX Apartments XXXX * *. This account, which is currently being reported solely under my name, is both inaccurate and the result of a documented * * XXXX XXXXXXXX * * situation that I previously reported to the CFPB. I also submitted my * * family safety plan issued by the XXXX Department XXXX XXXX and XXXX XXXX ( XXXX ) * * as supporting documentation. 

To clarify, * * this was not a shared lease * *, nor was this a voluntary move on my part. I was * * forced to vacate the apartment and immediately relocate * * due to XXXX safety requirements for myself and my children. In addition to the safety concerns, the * * property manager at XXXX Apartments refused to accept my housing voucher as a valid form of payment * *, which further left me with no option but to leave the property and secure housing with a complex that would honor my public housing benefits. 

Despite being fully informed of these circumstances, * * Equifax continues to report this account as an individual obligation * * and has permitted the debt to be * * sold to XXXX * *, treating the forced move and voucher rejection as a standard lease default. This is not only misleading, but a violation of the * * Fair Credit Reporting Act ( FCRA ) * * and * * federal protections for survivors of domestic violence * * and those utilizing housing assistance programs. The debt was not rightfully incurred under fair or legal conditions. Selling and reporting this account while it was actively in dispute and under protection guidelines constitutes * * fraud, misrepresentation, and negligence * *. 

This situation has caused lasting harm to my credit and re-traumatized me as I work to recover and rebuild my life. I can provide written proof of my XXXX safety plan, documentation of my public housing eligibility, and proof that my voucher was rejected which directly led to my relocation.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Thank you, XXXX Ive included that important detail in this updated version of your complaint : -- - I am submitting this formal complaint against * * XXXX * * for the continued and unlawful reporting of a collection account by * * ProCollect Inc. * * on behalf of * * XXXX XXXX  XXXX * *. This account, which is currently being reported solely under my name, is both inaccurate and the result of a documented * * domestic violence * * situation that I previously reported to the CFPB. I also submitted my * * family safety plan issued by the Texas Department of Family and Protective Services ( DFPS ) * * as supporting documentation. 

To clarify, * * this was not a shared lease * *, nor was this a voluntary move on my part. I was * * forced to vacate the apartment and immediately relocate * * due to DFPSs safety requirements for myself and my children. In addition to the safety concerns, the * * property manager at XXXX XXXX refused to accept my housing voucher as a valid form of payment * *, which further left me with no option but to leave the property and secure housing with a complex that would honor my public housing benefits. 

Despite being fully informed of these circumstances, * * XXXX continues to report this account as an individual obligation * * and has permitted the debt to be * * sold to ProCollect * *, treating the forced move and voucher rejection as a standard lease default. This is not only misleading, but a violation of the * * Fair Credit Reporting Act ( FCRA ) * * and * * federal protections for survivors of domestic violence * * and those utilizing housing assistance programs. The debt was not rightfully incurred under fair or legal conditions. Selling and reporting this account while it was actively in dispute and under protection guidelines constitutes * * fraud, misrepresentation, and negligence * *. 

This situation has caused lasting harm to my credit and re-traumatized me as I work to recover and rebuild my life. I can provide written proof of my XXXX safety plan, documentation of my public housing eligibility, and proof that my voucher was rejected which directly led to my relocation.

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 2025-05-06 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
After recent review of my credit report I noticed an enquiry dated XX/XX/year> by 700 CREDITXXXX XXXX business type auto dealer used. This enquiry was not authorized by me ; this company practices deceptive practices and is not transparent about what they do within their business. This is unfair to me that this unfortunate situation happened. I have tried to contact the company with no success and given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-06 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: IL

Complaint narrative:
I been using cash app for years, my account has been hacked on multiple occasions were my money that I keep for my rent, bills, food everything always sent to a random account without my authorization I dont understand how this is possible I cant never reach support because you never hear back, i recently had a {$270.00} charge for a store I was nowhere near but cash app never contacted me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
XXXX. Inaccurate Personal Information on the Alleged Account The following details associated with the reported account are factually incorrect : Misspelled name, Incorrect address, Incorrect date of birth These errors alone strongly indicate either a case of fraud or a misfiled account, neither of which justifies its continued presence on my consumer credit report, which requires that furnishers of credit information take reasonable steps to ensure maximum accuracy.

2. Improper Refusal to Investigate Without Sensitive Data When I contacted the company to dispute the report, I was refused assistance unless I provided my full Social Security Number, which is both unnecessary and a violation of my rights as a consumer. A creditor can not condition the investigation or correction of an account on the forced disclosure of sensitive information, especially when the data you already possess is inaccurate and does not match my legitimate identity. 
XXXX. Continued Reporting of a Falsely Attributed Account The representative stated AFTER SPEAKING TO A SUPERVISOR and refused to allow me to speak to them that even if I corrected the information on the file, the account would still be reported to the credit bureaus and would simply " update my account to the correct information '' Even after stating multiple times I did not create this account or line of credit. This is a willful violation of the FCRA, which prohibits the continued reporting of inaccurate or unverifiable information once it has been brought to a furnishers attention and a dispute has been raised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-06 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I have never used my social security number until XX/XX/year>2025 when I received my first Identity card

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/XXXX? tried logging in to unfreeze account, don't have login info - tried recover but only allowed for recovery to old email that no longer exist ; also tried to unfreeze without email however don't know my pin ( which is no longer required it said but was asking for it ). Tried creating a new account, it wouldn't let me as it shows an account already exist. 

Called XX/XX/XXXX, in a continuous loop with automated service Called XX/XX/XXXX, same issue, tried a different path on a automated service XXXX forums, for similar issue, many frustrated and same lack of in person customer support or online support that helps them resolve their issue. 

Sent email to XXXX, XXXX no response. 

Tried XXXX ( as applying for card they said it was frozen ) to see if they had any direct numbers where I could talk to a person and not an automated nightmare however they did not.

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 2025-05-06 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: MO

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 explanation
Consumer complaint received 2025-05-06 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 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 response to consumer: Closed with explanation