vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( c ) ), credit inquiries may only be made with my explicit written consent or under permissible purposes as defined by federal law. 

Upon reviewing my credit file, I identified the following inquiries which I did not authorize and for which I did not apply for credit, services, or give permission to access my credit 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 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 These inquiries are a violation of my right to privacy and may negatively affect my credit score. Please consider this letter as my formal demand for an immediate investigation and removal of these inquiries from my credit file, in accordance with 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-04-30 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:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-30 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:
On XX/XX/XXXX, I submitted a dispute to TransUnion concerning multiple inaccurate and derogatory entries on my credit report. Despite exercising my rights under the Fair Credit Reporting Act ( FCRA ), these issues remain unresolved. 

I identified outdated personal information, including addresses no longer associated with me, that are still being reported. 

I also disputed a range of grouped negative accounts : Multiple student loan tradelines XXXX XXXX XXXX XXXX are reported as 120+ days delinquent, without any dispute notation or acknowledgment of my prior disputes. 
A charged-off account from XXXX XXXX XXXX is marked with inaccurate remarks and dates that are not consistent with the reporting of other bureaus. 
XXXXXXXX XXXX  is reporting a charge-off with conflicting balance and status information. 
XXXX XXXX is reporting an auto loan charge-off with remarks such as profit and loss write-off without documentation or supporting data. 
Collection accounts from XXXX XXXX XXXX XXXX XXXX appear as unpaid debts without itemized validation or any documented notice to me. 

In addition, I disputed two hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Both inquiries were made without my knowledge or consent, and I never initiated any application with these companies, making them a clear violation of 15 USC 1681b. 

I formally requested that TransUnion remove all unverifiable and inaccurate information within 30 days, as required under 15 USC 1681i ( 5 ). These errors have materially impacted my creditworthiness, and I am requesting the CFPBs assistance to compel TransUnion to comply with federal 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 2025-04-30 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX * * Please Investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-30 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX * * Please Investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-04-30 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CrossCountry Mortgage LLC
State: OR

Complaint narrative:
I received an unsolicited text message from the phone number XXXX, claiming to offer a VA XXXX XXXX XXXX XXXX XXXX ( XXXX ). The message used high-pressure sales language about a volatile market and urged me to act quickly. However, the sender did not identify themselves, their company, or provide any verifiable contact information. 

As a XXXX veteran and VA loan holder, XXXX concerned this XXXX be a predatory or fraudulent attempt to solicit sensitive information under the guise of a federal benefit. I did not request this information or authorize contact from this sender. This type of deceptive outreach could mislead other veterans into scams or high-cost loans.

Please investigate this number and associated activity. I am happy to provide a screenshot of the message if needed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
After reviewing my consumer report, I noticed that someone has been using my identity to shop around for the purposes of obtaining credit from several companies. I did not authorize these companies to have access to my consumer report.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking to verify as accurate : 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 2025-05-01 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking to verify as accurate : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-30 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation
Consumer complaint received 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have asked trans union to remove medical bills from my credit report. They have stated they will remain and they also stated that the new law is only for medical bills under XXXX dollars but from what I have read it is supposed to be all medical bills. Please correct me if I'm wrong. Both XXXX and XXXX have both removed all my medical bills after disputing but trans union is refusing and told me to take my complaint to you. Thank you

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 2025-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DE

Complaint narrative:
Fair Collections Solutions & Outsourcing XXXX XXXX ( ex husband is XXXX XXXX is an ex employer of XXXX ) ; XXXX XXXX XXXXXXXX XXXX : ( IN CONNECTION WITH XXXX - My ex husbands ex employer ) I never rented from XXXX but some how they were the collection company for Home Properties in XXXX XXXX Maryland. 

Debt paid off XX/XX/XXXX Fair Collections Solutions & Outsourcing continued to report to XXXX  until XX/XX/XXXX. I was told it could not be removed from my report foXXXX XXXX years XX/XX/XXXX. 

I was told today, XX/XX/XXXX it can be removed after 30 days of payment. 

This is housing discrimination and retaliation DUE TO A DIVORCE ( PERSONAL ) It caused me homelessness ( currently ). And a low credit score and unable to get housing right now due to this reporting on my credit report.

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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/scrub> 2024 ; I unlink my debit card from my cash app account to replace it with another and I was unsuccessful so I contacted their customer support and they told me I would be able to if I linked another debit card to my account this goes on so many times to wear they set my account look like fraudulent activity everything that is done to my account was done upon request by them now my account looks like Friday the activity and they said that there isn't any way that they can override this decision. I've tried to link somebody debit cards to where I can no longer lick any type of debit card to my account I can not link any type of bank account to my account I can only anything to my account at all. All they keep telling me is that they're going to escalate it to the proper specialized team but they say I don't have access to my account but I can still withdraw but I've not been able to withdraw at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: UT

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report four ( 4 ) fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize and are the result of identity theft and fraud. These fraudulent accounts include a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a telephone account opened at XXXX on XX/XX/XXXX under account number XXXX, a secured credit account opened at XXXX on XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX. These unauthorized accounts have also triggered multiple fraudulent hard inquiries and collections that are damaging my credit profile. I hereby demand the immediate removal of all listed fraudulent accounts, inquiries, and related collections from each of my consumer credit reports and request that all collection activity pertaining to these items cease immediately in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) .All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: UT

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report four ( 4 ) fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize and are the result of identity theft and fraud. These fraudulent accounts include a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a telephone account opened at XXXX on XX/XX/XXXX under account number XXXX, a secured credit account opened at XXXX on XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX. These unauthorized accounts have also triggered multiple fraudulent hard inquiries and collections that are damaging my credit profile. I hereby demand the immediate removal of all listed fraudulent accounts, inquiries, and related collections from each of my consumer credit reports and request that all collection activity pertaining to these items cease immediately in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) .All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-04-30 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered several accounts on my credit report that I did not authorize. These accounts were opened without my knowledge and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts were added to my credit report without my consent.

Company response to consumer: Closed with non-monetary relief