vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
Dispute of Unauthorized Hard Inquiries on TransUnion Credit Report I XXXX XXXX XXXX, am physically submitting this formal complaint to dispute two unauthorized hard inquiries listed on my TransUnion credit report dated XX/XX/year>. The inquiries in question are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I did not authorize these entities to access my credit file, nor did I initiate any credit applications with them. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ), a credit reporting agency may only furnish a consumer report for a credit transaction that the consumer has initiated. These inquiries were made without my consent and therefore lack a permissible purpose. Furthermore, 15 U.S. Code 1681e ( a ) requires that TransUnion ensure the accuracy and legitimacy of the information it includes in consumer reports. Allowing these unauthorized inquiries to remain on my report violates both my rights and TransUnions legal obligations under federal law. 
Additionally, XXXX XXXX compliance standards stipulate that any inquiry reported without a valid permissible purpose must be promptly removed to maintain accuracy and compliance. These inquiries have the potential to negatively impact my credit score and may interfere with future financial opportunities.

I am requesting an immediate investigation and permanent removal of these inquiries from my TransUnion credit file. Please provide written confirmation that this request has been fulfilled. If corrective action is not taken promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue all remedies available under 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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
The company mailed me a letter acknowledging that the debt is time-barred and can not be legally enforced. However, they stated it would remain on my credit report for up to seven years. Despite this, the information they are reporting to the credit bureaus is inconsistent with the letter they provided. Specifically, the account is being reported as newly opened in XXXX, with ongoing collection activity in XXXX and XXXX, even though the original debt was closed in XXXX. This inaccurate reporting is misleading and damaging to my credit, and repeated disputes have failed to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Mobiloans, LLC
State: CA

Complaint narrative:
I am disputing a collection account that has been reported on my credit file by MOBILOANS LLC,. I am not responsible for this debt. It does not belong to me and may be the result of a reporting error or possible identity theft., I became aware of this account after reviewing my credit report from XXXX , XXXX  , and XXXX  and immediately recognized it as inaccurate. I have no knowledge of this debt, and I have never opened an account with this creditor.,

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 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: AL

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-07-03 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: AE

Complaint narrative:
I am filing this complaint regarding a hard inquiry from XXXX XXXX that appeared on my credit report in XXXX. 

This inquiry is unauthorized and inaccurate. I have been a customer with XXXX XXXX since XXXX ( over 6 years now ) and I have not applied for any new credit products with them since opening my original XXXX XXXX XXXX XXXX XXXX. The only account I have with XXXX XXXX is this card and I have never submitted another application or consented to a new credit pull in XXXX. 

I noticed this hard inquiry while reviewing my credit report and immediately took steps to resolve it : I reached out to XXXX XXXX directly but have received no response. 
I also filed a dispute through XXXX XXXX/TransUnion , but the inquiry still remains and has not been removed. 

This hard inquiry is impacting my credit profile and was not authorized, nor do I have any record of submitting an application to trigger it.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) claims that they sold an outstanding debt to a debt buyer. This company did report the balance as XXXX since they sold the debt, but under Consumer Financial Protection Bureau guidelines, XXXX can not double-dip on the same account and maintain a tradeline with each respective credit reporting agency as my information has been moved to a third party, and since the XXXX XXXX XXXX XXXXXXXX The most prominent " XXXX XXXX XXXX case in recent legal history is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX the Fair Debt Collection Practices Act ( FDCPA ). The case clarified whether entities that purchase defaulted debts and then attempt to collect them are considered " debt collectors '' under the FDCPA. The Supreme Court, in a unanimous decision authored by XXXX XXXX XXXX, ruled that they are not. Hence, the creditor loses their rights under FDCPA, and as such is the case the procuring debt is void from a credit reporting perspective. The debt buyer on the other hand can maintain a tradeline collection as long as the debt transfer ownership flows from part # XXXX to party # XXXX within Federal Trade Commission protocol. Accordingly, the XXXX tradeline must be removed immediately and permanently. 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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year>, my checking, savings, and credit card account was closed with Chime/XXXX  abruptly and without reason. I contacted Chime various times through phone, and email to rectify the issue, and no customer service representative I spoke to could give me any reasoning, only redirecting me to different banks who had nothing to do with this decision. 

Although I cant remember exactly when the first time I called them about this issue, the first time I can see through my email would have been on XX/XX/year>, the same day they closed my account without reason, even though this issue had been prevalent more than a week prior. It's important to note through their policy as of XX/XX/year>, that they were supposed to provide prior notice to closing my account, they also failed to do that. Please see attached documents. 

Dates : XX/XX/year> - XXXX received an email that my account was placed on " hold '' and that a response to my request was received and being reviewed XX/XX/year> - Received an email that a request had been received from me and was being reviewed by Member Services Team ( about the same issue ) To my surprise, many customers have had this issue and their solution was filing a complaint with the CFPB, which is what im doing now. This issue has caused great harm to me financially, because I have never really had any other bank account other than XXXX, and left me without a credit card which after being closed caused significant damage to my credit. Again, they never provided a reason and they report inaccurate information ABOUT my credit card with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
To : Experian, TransUnion, and Equifax Credit Bureaus I am formally requesting the removal of the following accounts from my credit report in accordance with federal law, including Senate Bill 5480, Regulation V, and guidance from the Consumer Financial Protection Bureau ( CFPB ). 

The accounts listed below were used to pay off medical and dental expenses, and therefore must be removed from my credit file : XXXX XXXX XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX Per federal regulations, medical-related debt is not to be included on consumer credit reports under these circumstances. I am disputing the accuracy and legality of this reporting, and I expect prompt action in accordance with the law. 

Please consider this a formal dispute and demand for removal. I request written confirmation of the deletions within the timeframe required by 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 2025-07-03 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:
To : Experian, TransUnion, and Equifax Credit Bureaus I am formally requesting the removal of the following accounts from my credit report in accordance with federal law, including Senate Bill 5480, Regulation V, and guidance from the Consumer Financial Protection Bureau ( CFPB ). 

The accounts listed below were used to pay off medical and dental expenses, and therefore must be removed from my credit file : XXXX XXXX XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX Per federal regulations, medical-related debt is not to be included on consumer credit reports under these circumstances. I am disputing the accuracy and legality of this reporting, and I expect prompt action in accordance with the law. 

Please consider this a formal dispute and demand for removal. I request written confirmation of the deletions within the timeframe required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear XXXX Customer Service, My name is XXXX XXXX, and I am writing to formally report an ongoing issue regarding my auto insurance policy ( # XXXX ), as well as to express deep dissatisfaction with the level of customer service I have received. 

On XX/XX/year>, my Wells Fargo bank account was flagged for fraud, and the bank temporarily froze the account for security reasons. I contacted XXXX immediately to inform your team of the situation and requested to update my payment method. During the call, I had a Wells Fargo representative on the line with me, who explained directly to the XXXX representative that the funds were in the account, and that the payment issue was not due to insufficient funds, but due to the freeze. 

Despite these efforts, I was repeatedly transferred to incorrect departments and received conflicting instructions, which only added to the frustration. I attempted to add a new bank account to resolve the issue, but I was told I must wait for a new debit card to arrive by mail before the update could be completed. 

As a result, I was charged a {$15.00} late fee and card fee, even though I have never had a payment issue in the past and have always used automatic payments. I believe these fees are unjustified, given that I notified XXXX promptly, acted in good faith, and involved my bank directly to help clarify the situation. 

Additionally, the poor customer service XXXX receivedbeing transferred repeatedly, not listened to, and treated dismissivelyhas left me extremely disappointed. Based on this experience, I would rate XXXX customer service one star at best.

I respectfully request the following : A refund of the {$15.00} late/card fee, as this issue was beyond my control and was handled in a timely and responsible manner.

A review of your customer service handling and training, especially in urgent payment-related matters. 

Confirmation that my new payment information has been or will be successfully updated. 

Please treat this matter with urgency. I expect a timely and fair resolution. 

Sincerely, 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 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against PRO COLLECT regarding an account I have with them XXXXXXXX XXXX XXXX XXXXXXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : PRO COLLECT ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$300.00} PRO COLLECT ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PRO COLLECT buttonoavail. 
.

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 2025-07-03 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: IL

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 XXXX  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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CREDIT COLL regarding an account I have with them XXXXXXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : CREDIT COLL ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  Balance : {$330.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with CREDIT COLL buttonoavail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally request the reinstatement of my accounts which was recently removed or deactivated. 
I do not why these accounts of mine have been removed without my consent. I value the services provided by your platform and would greatly appreciate the opportunity to continue using the account. Please let me know if there are any actions required on my part or documents I must provide to support this request.

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 2025-07-03 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of 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.

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 2025-07-03 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-03 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.

Complaint narrative:
XXXX XXXXXXXX XXXX I have the XXXX XXXX  loan for XXXX. 
Loan Account number is XXXX My loan is closed and Received No Objection Certificate in my hand. But EQUIFAX Credit Report for this loan is Active and over due amount Rs XXXX. 
Affect my credit score in EQUIFAX. 
Please solve the problem

Company response to consumer: Closed with explanation