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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am writing this complaint because there are a few unauthorized accounts reporting to my credit profile and they are negative. I have contacted all three credit agencies TRANSUNION EXPERIAN AND EQUIFAX and they refuse to investigate and resolve this issue. My credit score is hindered by this and it is taking stress onto my body. I really need help with these accounts listed. This is unfair to me as i am striving to take care of my family as a mom and soon to be grand mother. Please help I have already created a FTC report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc.
State: MI

Complaint narrative:
I began receiving calls from SST ( Systems & Services Technology ) last year in XXXX requesting money XXXX - 3 times a day from XXXXXXXX XXXX XXXX XXXX XXXX and even on XXXX I blocked the numbers, because I thought it was a scam until I received more calls from numerous other numbers and it appeared on my credit report at the end of XXXX. I asked them to send something in the mail. They sent letters stating that I took out a loan for over $ XXXX from XXXX in XXXX at an interest rate of 24.99 % w/ a monthly payment of {$150.00} and they are attempting to collect a debt and stated that not paying could results in a late payment on credit report. They said I owe over $ XXXX, which is impossible. There is no way I took a loan out in XXXX for over $ XXXX and still owe over $ XXXX 3 years later! I asked them to validate the debt and they continuously kept telling me to email their support, which I did and sent letters. I have even requested XXXX to validate the debt. In which, they did, but never responded to my second letter requesting them to show how they veriifed. Since XXXXXXXX XXXX XXXX, I have been paying the monthly minimum they are requesting to ensure I don't get a late payment on my credit because I want to buy a home. I spoke to a woman in customer services on XXXX and she said she couldn't even see any previous payment history or anything, she just sees that I have an account. So, she instructed me to email : XXXXXXXX  which I did. They have still not responded, but are still calling to try and collect money from me! This company isn't even licensed in Michigan to collect debt!!

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: 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. 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 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: Experian Information Solutions 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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 1681. 

15 U.S.C 1681 section 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 a 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 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 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: Experian Information Solutions Inc.
State: DE

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 2025-05-14 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: CA

Complaint narrative:
Company : Square , Inc. / Block , Inc .

Product : Money transfer, virtual currency, or money service Sub-product : Receiving money or payment Issue : Company closed my account Problem description : I am the founder of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Our organization received a {$10000.00} sponsorship payment from the United States XXXX via their official Government Purchase Card ( GPC ) for a leadership development event we are hosting on XX/XX/year>. 

This was our first and only transaction using Square. Shortly after the payment was processed, Square deactivated our account, citing activity their platform is unable to support. They have refused to provide any specific reason and denied the opportunity to submit documentation validating the transactions legitimacy. This has resulted in a 90-day hold on {$10000.00} of federal funds and severely impacted our ability to fulfill government obligations.

We were never given a chance to verify our identity, explain the nature of the transaction, or confirm our contractor status. All business information submitted to Square was accurate and matched our federal registration. This deactivation appears to have been an automated risk-based decision with no path for appeal or human review even for a documented, government-backed transaction.

We are requesting : Immediate release of the held funds An explanation of what activity was flagged The opportunity to submit verification and documentation Squares process is opaque and unjust, particularly for a verified small business conducting work on behalf of the federal government. I ask the CFPB to intervene and help facilitate a fair and transparent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Hello, midland credit management is trying to collect a payment at the full amount of XXXX XXXX XXXX Unfair practices

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Im writing regarding an account currently listed on my credit report. Im asking that you certify, in full, that every piece of information tied to this account actually belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: 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 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: LA

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX placed my XXXX XXXX account into forbearance on XX/XX/year>, and backdated it to cover XXXX, XXXX, and XXXX. Despite that, Experian continued to report XXXX delinquencies for those months. Then, on XX/XX/year>, they escalated the status to 120 days past due, which is inaccurate and damaging. According to federal guidelines and the companys own policies, accounts in forbearance should not be reported as delinquent. I disputed the information, but Experian responded based on XXXX input and did not correct the reporteven though the account was clearly placed in forbearance.

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: IL

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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: CA

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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint narrative:
The debt collector called to collect a debt that I told them I do not rightfully owe and will be suing the company for the debt. She said " are you mad that you do not have the money to pay the debt? '' and " you probably don't have a job to pay the debt. '' Both of these statements are untrue and regarding my financial standing and this is inappropriate and abusive behavior and invasive. This SHOULD NOT be allowed by any debt collector saying that I do not have a job when they called me during my work hours and talked to me so rudely they need to be in trouble for this.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

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 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: EQUIFAX, INC.
State: HI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I financed services through XXXX XXXX for a business called XXXX XXXX. That business filed for bankruptcy and shut down permanently, preventing me from receiving the services I paid for. I filed a formal dispute with XXXX in XX/XX/XXXX and was told the case would be reviewed within 60 days. 

I submitted all required documentation by XX/XX/XXXX, ahead of their XX/XX/XXXX deadline. This included proof of the business closure, appointment cancellations, and confirmation of incomplete services. Ive followed up several times via email and phone. Although XXXX support has confirmed that payments are paused and the case is in review, I have not received any resolution, final decision, or written confirmation. 

It has now been over XXXX months with no update or resolution. I am requesting that XXXX cancel the remaining balance on my account, as I did not receive the full services I financed due to Body Details shutdown. 


I signed up for a XXXX laser hair removal plan with XXXX XXXX ( Option XXXX ) and paid for services I never received. The company suddenly shut down and filed Chapter XXXX bankruptcy, canceling all appointments. I still had future treatments scheduled ( including XXXX on XX/XX/XXXX ) and was never offered a refund. I submitted all required documentation to XXXX ( the financing provider ) in XX/XX/XXXX. Since then, I have followed up multiple times, but they have not provided a resolution, despite acknowledging receipt of my documents and pausing payments. 

Attached are my contract, appointment record, shutdown messages, bankruptcy court case info, and texts from their former employee

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: EQUIFAX, INC.
State: CA

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 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 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
4th attempt, I am requesting the immediate removal of inaccurate information from my credit report, as it violates my rights under the Fair Credit Reporting Act. The following accounts contain errors and should be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Equifax, Transunion & Equifax Inaccurate address data that I am not associated with.

Legal Violations : * 15 U.S.C. 1681 ( Fair Credit Reporting Act, Section 602 ( A ) ) : I have the right to privacy and accurate reporting. * 15 U.S.C. 1681b ( a ) ( 2 ) ( Section 604 ( A ) ) : No consumer reporting ag
ency may furnish an account without my written consent.

* 15 U.S.C. 1681c ( a ) ( 5 ) : No report should include any adverse information older than seven years, except for criminal convictions.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person must not furnish information to any consumer reporting agency if they know or should reasonably know the information is inaccurate. 
The accounts listed above have inaccuracies that violate these statutes. I request the immediate correction or removal of these entries to ensure my credit report is accurate and in compliance with the law.

Company response to consumer: Closed with explanation