vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
I am writing to dispute several unauthorized hard inquiries that appear on my credit report. I did not authorize these entities to access my credit file, nor did I provide written permission for them to obtain my consumer report, as required under 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ). 
The following inquiries must be deleted immediately from my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX - XXXX XXXX XXXX XXXXXXXX XXXX, XXXX - World XXXX XXXX XXXX, XXXX - XXXX XXXX Bank ( XXXX ) XXXX. XXXX, XXXX- XXXX XXXX XXXX. XXXX, XXXX- XXXX XXXX XXXX. XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX These inquiries were made without my knowledge or consent and therefore violate the permissible purpose standards established by the FCRA. 
Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this matter and delete or block the inquiries that can not be verified as authorized by me. If the parties who initiated these inquiries can not provide documented evidence of my explicit written authorization, you must remove them immediately from my file.

Please send me written confirmation once these inquiries have been deleted. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX, as well as potential civil action under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
I am writing to dispute several unauthorized hard inquiries that appear on my credit report. I did not authorize these entities to access my credit file, nor did I provide written permission for them to obtain my consumer report, as required under 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ). 
The following inquiries must be deleted immediately from my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX - XXXX XXXX XXXX XXXXXXXX XXXX, XXXX - World XXXX XXXX XXXX, XXXX - XXXX XXXX Bank ( XXXX ) XXXX. XXXX, XXXX- XXXX XXXX XXXX. XXXX, XXXX- XXXX XXXX XXXX. XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX These inquiries were made without my knowledge or consent and therefore violate the permissible purpose standards established by the FCRA. 
Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this matter and delete or block the inquiries that can not be verified as authorized by me. If the parties who initiated these inquiries can not provide documented evidence of my explicit written authorization, you must remove them immediately from my file.

Please send me written confirmation once these inquiries have been deleted. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX, as well as potential civil action under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX 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 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 2025-10-15 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: Experian Information Solutions Inc.
State: MA

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 XXXX USC XXXX. 

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

XXXX 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 XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX 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 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 2025-10-15 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-15 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> FINANCIAL - XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume 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 2025-10-15 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: CO

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized may appear on my credit report. Since I never provided authorization, I am demanding the immediate removal of this unauthorized inquiry. 

If you can not provide documented proof that I granted permission, you are legally required to delete this inquiry without delay. The continued presence of these unauthorized inquiries has caused significant financial and emotional harm.

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 2025-10-15 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: NV

Complaint narrative:
These accounts do not belong to me, nor did I authorize or consent to any transactions or agreements associated with them. 

Under the Fair Credit Reporting Act ( FCRA ), including Sections XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, I am exercising my right to dispute and request immediate investigation into these inaccuracies. These accounts are the result of identity theft, reporting errors, or unauthorized activity.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been requesting all documents requirements under All information pertaining to derogatory reporting on my credit report under Fair Credit Reporting Act ( FCRA ), Section XXXX ( a ) ( XXXX ) ( A ). 

I have not received signed contracts required by federal law to verify through physical verification of the original signed consumer contract any and all accounts that you post on my credit report. Otherwise, anyone paying for your reporting services could fax or email a fraudulent account. 

I demand the see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed on the attachment. Your failure to positively verify these accounts have hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of physical verifiable proof, you must remove the accounts.

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 2025-10-15 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX - XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that I am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasize that I have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: MN

Complaint narrative:
I rented a car from XX/XX/XXXX from XXXXXXXX XXXX XXXXXXXX in XXXX Oregon XXXX XXXX I returned the car and no problems were noted. I was not in any accidents or had any incidents happen while I rented the car. On XX/XX/XXXX I received a call from Summit Debt Collection Agency and they said I owed {$1100.00} for a scratch found by XXXX  photos taken by XXXX. They also said that XXXX had sent me XXXX emails to this effect. i initially thought they were scamming me and hung up. I then called XXXX and indeed they are claiming damage. Subsequently, I found the emails in my junk folder. 

I am disputing the damage as I had no problems while driving the car. I found multiple complaints online about this behavior and XXXX had also settled a class action lawsuit for behavior like this for around XXXX XXXX dollars but they are still doing this same behavior. 

I am protesting the damage claim in general and also how I was informed of the claim. I should have been called and should have received a letter in the mail before this was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
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 explanation
Consumer complaint received 2025-10-15 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:
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 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request to FCR XXXX regarding an alleged debt they are attempting to collect on behalf of XXXX XXXX ( Account # XXXX, Amount : {$2900.00} ). My request was made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), which requires collectors to provide written verification of the debt upon request.

FCR XXXX never responded to my request, nor did they provide any of the documentation required to validate the alleged debt ( such as proof they are authorized to collect on behalf of XXXX XXXX, or an itemized breakdown of the balance ). 

I have since learned that the correct contact email for FCR XXXX is XXXX, and my original message appears to have gone to an alternate company email. I have now re-sent the same request to the correct address to ensure proper delivery. 

However, their failure to respond to my initial written request still constitutes a violation of my rights under the FDCPA. I am requesting the CFPBs assistance to ensure FCR XXXX provides full debt validation and ceases all collection activity until that occurs. 

Also, they escalated the account to an attorney office review even though they never responded to my validation request. This violates the FDCPA since they are required to pause collection activity while the debt is under dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-10-15 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: WI

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OH

Complaint narrative:
I received a Way2Go card in XXXXXXXX XXXX. I believe I made a transfer to my bank account in XXXX or XXXX. The transfer was successful. Ever since then, I am not able to make a transfer to my bank account. When I try to, I get a successful response back from XXXX, but then a few days later, the money is put right back on the card and it never makes it to my bank account. I would like to discuss why my transfers are not working but there is no human being to talk to about this. I have called the number on the back of the card, to no avail. No matter what prompt I pick, I only get a recorded voice. I have verified my routing and account number, and it is correct. Please help me get a person on the phone at XXXX. Thank you.

Company response to consumer: Closed with explanation