vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: GA

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 reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
I am writing to dispute two derogatory accounts that were previously deleted from my Equifax credit report and have since reappeared without proper notice. This action violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires that credit bureaus notify consumers within XXXX business days if a previously deleted item is reinserted. I did not receive any such notification. 
Reinserted Accounts : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} Creditor : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$73000.00} These accounts had been removed as part of a prior dispute, and their return without written explanation or verification is unacceptable. If they can not be verified with original and complete documentation from the furnishers, they must be permanently removed again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
company keeps reporting inaccurate information on my 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 non-monetary relief
Consumer complaint received 2025-06-20 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: CL Holdings LLC
State: AL

Complaint narrative:
Upon completion of this settlement, we will report the account to the consumer reporting agencies as charged off and paid in full for less than the full balance. If we do not receive your payment ( s ) totaling {$190.00} by XX/XX/year>, this offer will be void, and you will be responsible for the entire remaining it was XXXX payment XXXX XX/XX/year> XXXX and the other on XX/XX/year> XXXX. It was sold into collections for to Jefferson capital before last payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

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 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. 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 : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} UPSTART LOAN OPERATI - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} PORTFOLIO RECOVERY A - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} THE RECEIVABLE MANAG - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
To whom it XXXX concern, I have recently reviewed my credit report and identified violations under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX and XXXX XXXX Code XXXX. According to the law, credit reporting agencies XXXX only furnish a consumer report under specific circumstances, including written instructions from the consumer to whom the report relates. I have not provided any such written instructions, and the presence of the accounts listed below constitutes a violation of my rights. 
XXXX XXXX XXXX XXXX ( a ) states : " Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. '' Additionally, XXXX XXXX XXXX XXXX ( a ) emphasizes the importance of accurate and fair reporting to maintain the publics confidence in the banking system. This law requires consumer reporting agencies to adopt reasonable procedures to ensure confidentiality, accuracy, relevancy, and proper utilization of consumer information. 
The following inquiries and accounts appear on my credit report without my consent, making them both inaccurate and unauthorized. This is an egregious violation of my right to privacy : Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized actions constitute aggravated identity theft under 18 U.S. Code 1028A, which criminalizes the knowing transfer, possession, or use of anothers identification without lawful authority. The offenses are punishable by imprisonment and civil liability.

As the consumer, I demand : Immediate deletion of the unauthorized inquiries and fraudulent accounts from my credit report.

A copy of my updated credit report reflecting these corrections.

Please find my FTC Identity Theft Report ( # PUT FTC NUMBER HERE ) attached as evidence of my claims. This report further confirms my status as a victim of identity theft. I have also included the necessary information for your records.

Failure to comply with my request will result in further legal action to protect my rights under federal law. Thank you for your prompt attention to this matter. I expect written confirmation once the requested changes have been made. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Global Lending Services LLC
State: PA

Complaint narrative:
To whom it may concern, I have recently reviewed my credit report and identified violations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 and 15 U.S. Code 1681b. According to the law, credit reporting agencies may only furnish a consumer report under specific circumstances, including written instructions from the consumer to whom the report relates. I have not provided any such written instructions, and the presence of the accounts listed below constitutes a violation of my rights.

15 U.S. Code 1681b ( a ) states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' Additionally, 15 U.S. Code 1681 ( a ) emphasizes the importance of accurate and fair reporting to maintain the publics confidence in the banking system. This law requires consumer reporting agencies to adopt reasonable procedures to ensure confidentiality, accuracy, relevancy, and proper utilization of consumer information.

The following inquiries and accounts appear on my credit report without my consent, making them both inaccurate and unauthorized. This is an egregious violation of my right to privacy : Unauthorized Inquiries : 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  These unauthorized actions constitute aggravated identity theft under 18

U.S. Code 1028A, which criminalizes the knowing transfer, possession, or use of anothers identification without lawful authority. The offenses are punishable by imprisonment and civil liability.

As the consumer, I demand : Immediate deletion of the unauthorized inquiries and fraudulent accounts from my credit report.

A copy of my updated credit report reflecting these corrections.

Please find my FTC Identity Theft Report ( # PUT FTC NUMBER HERE ) attached as evidence of my claims. This report further confirms my status as a victim of identity theft. I have also included the necessary information for your records.

Failure to comply with my request will result in further legal action to protect my rights under federal law. Thank you for your prompt attention to this matter. I expect written confirmation once the requested changes have been made. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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 am a victim of identity theft and am submitting this complaint to address fraudulent information appearing on my credit report from TransUnion. I discovered this identity theft on approximately XX/XX/XXXX and have already filed a complaint with the Federal Trade Commission ( FTC ) under complaint number XXXX. The identity theft began on XX/XX/XXXX. 

I did not authorize anyone to use my name or personal information to seek money, credit, loans, goods, or services described in this report. I did not receive any benefit, money, goods, or services as a result of the events described in this report. To the best of my knowledge and belief, I suspect that my information was stolen by a professional business service or individual who provided consumer and business loans for immigrants or individuals without identities. I suspect this online company used my personal information or identification documents to get money, credit, loans, goods, or services without my knowledge or authorization. An identity thief has stolen my identity and has opened accounts in my name. I am willing to work with law enforcement. 

Specifically, the following fraudulent accounts and unauthorized inquiries are appearing on my TransUnion credit report and are being disputed : Accounts I am disputing as fraudulent and unauthorized on TransUnion : Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX Name : XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX Name : XXXX XXXX XXXX Account : XXXX, Opened Date : XX/XX/XXXX Name : XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX Name : XXXX, Account : XXXX, Opened Date : XX/XX/XXXX Name : XXXXXXXX XXXX, Account : XXXX XXXX, Opened Date : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX Account : XXXX, Opened Date : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX  Account : XXXX, Opened Date : XX/XX/XXXX Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX Name : XXXX, Account : XXXX, Opened Date : XX/XX/XXXX Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX Name : XXXX XXXX XXXX, Account : XXXX, XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX Name : XXXX XXXX, Account : XXXX, Opened XXXX XXXX XX/XX/XXXX Inquiries I am disputing as unauthorized on TransUnion : Vendor : XXXX XXXX XXXX  Date : XX/XX/XXXX. 
Vendor : XXXX XXXX, Date : XX/XX/XXXX. 
Vendor : XXXX, Date : XX/XX/XXXX. 
Vendor XXXX XXXX, Date : 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 2025-06-20 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: AR

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-06-20 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: CA

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 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. 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 : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00}

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 2025-06-20 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: CO

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 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I went through a financial hardship after graduation and I wasn't able to keep up with a credit card bill through XXXX XXXX. Citigroup is the company that provided the card. I am able to pay the bill now but both XXXX XXXX and Citigroup are saying that they can't accept any payments on the account at this time. I need some answers as to how I can get this removed from my credit because I'm not able to do so if they won't allow me to pay. Both companies are continuing to give me the run around and it's important because of job opportunities that I get this issue resolved. Since they are unable to accept payments I need to get this ( {$930.00} ) removed from my credit report quickly.

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 2025-06-20 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: NJ

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 2025-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: TX

Complaint narrative:
I was having a hard time financially and was desperate for funds to pay rent and get food for my family, I got approved for {$900.00} that would save us from Minto Money. The person on the phone spoke broken english and i couldnt understand what they were saying fully and they gave me a % 725.44 interest on my {$900.00} loan... I heard % 25 over the phone and felt no reason to double check the number. That was my mistake obviously but that number is usurious and downright predatory and im sure im not alone in that opinion. I needed help and they used me for my money that i dont have

Company response to consumer: Closed with explanation