vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just recently looked at me credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I sent a letter to transunion on XX/XX/XXXX here is my tracking number XXXX and asked them to investigate this but they still haven't fixed this problem. Can you investigate this matter. 

XXXX  XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX via XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Accounts Inquiries Additional Information XX/XX/XXXX, XX/XX/XXXX. 

XX/XX/XXXX, XX/XX/XXXX. 

XX/XX/XXXX. 

XX/XX/XXXX. 

XX/XX/XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

XX/XX/XXXX. 

XX/XX/XXXX. 

XX/XX/XXXX XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via TRANSUNION XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Additional Information XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

XX/XX/XXXX. 

XX/XX/XXXX. 

XX/XX/XXXX XX/XX/XXXX. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX via XXXX XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. 
Delete this inquiry dur to violation of 15 USC 1681b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: MD

Complaint narrative:
In XX/XX/year>, I disputed this account directly with all three major credit bureaus. As a result, XXXX of the bureaus removed the account. However, Experian refused to remove it and did not provide any proof or documentation supporting the validity of the account. 
Following this, I sent a certified letter with return receipt directly to XXXX XXXX XXXX, requesting the following : A copy of any agreement bearing my signature that establishes an account with XXXX and confirms that I agreed to assume this alleged debt. 

Documentation authorizing XXXX to collect this alleged debt. 

A valid and detailed itemization of the alleged debt. 

Proof that XXXX XXXX XXXX is licensed to collect debts in the state of Maryland. 

XXXX, XXXX license number and the contact information for its XXXX XXXX. 

In that letter, I also requested the immediate removal of this account from my credit report and the deletion of all related information from my credit file, now and in the future. 
Finally, I stated that failure to comply with this request would be interpreted as an absolute waiver of all claims to enforce the alleged debt. 

I have continued to reach out to Experian and XXXX XXXX and have been unable to get a resolution. My final attempt was on XX/XX/year>, in which the recording for Experian would not allow me to speak with a human, and the human from XXXX XXXX, XXXX XXXX, continued to explain to me that he could not assist me without an account number. 

This situation has caused significant and ongoing frustration. To say it has been stressful would be a complete understatement. The prolonged nature of this issue has resulted in extreme emotional distress and has caused damages that feel irreparable. 
To date, I have not received a satisfactory response or the requested documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this letter to dispute inaccurate personal identifying information being reported on my credit file. Specifically, there are errors related to my name, current address, date of birth, and the last four digits of my Social Security number that do not accurately reflect my identity.

This inaccurate information raises concerns about potential confusion with another individual or a file merge error, and it may negatively impact my credit profile and eligibility for financial services.

I am requesting that the Consumer Financial Protection Bureau assist in ensuring the credit reporting agencies conduct a proper reinvestigation and promptly correct or remove any false personal data. 

Below is my correct personal information that should be reflected in my credit report : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/year> Last XXXX Digits of XXXX : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX MI XXXX Please ensure that only this verified information is associated with my credit file and that any variations or incorrect data are removed. 

I respectfully request written confirmation of the outcome of this reinvestigation. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this letter to dispute inaccurate personal identifying information being reported on my credit file. Specifically, there are errors related to my name, current address, date of birth, and the last four digits of my Social Security number that do not accurately reflect my identity.

This inaccurate information raises concerns about potential confusion with another individual or a file merge error, and it may negatively impact my credit profile and eligibility for financial services.

I am requesting that the Consumer Financial Protection Bureau assist in ensuring the credit reporting agencies conduct a proper reinvestigation and promptly correct or remove any false personal data. 

Below is my correct personal information that should be reflected in my credit report : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/year> Last XXXX Digits of XXXX : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX MI XXXX Please ensure that only this verified information is associated with my credit file and that any variations or incorrect data are removed. 

I respectfully request written confirmation of the outcome of this reinvestigation. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) and ( 15 USC 1681b ( a ) ( 2 ) that the Experian, Transunion and Equifax along XXXX all applicable furnishers receiving this notice, 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. This fraudulent, inaccurate, and false information consists of multiple accounts I did not authorize or give express written consent to be reported on my consumer report. These accounts have resulted in several fraudulent fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the accounts in question along with a copy of the consumer XX/XX/XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account/collections. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Financial Network Inc.
State: CT

Complaint narrative:
XXXXAmerican Financial Network Mortgage recently lied and got caught in there lie to the Consumer Finance Protection Bureau . American Financial Network lied and said that after a loan modification they made the mortgage current as required. This is proven to be a lie by the date of the loan modification and there still being lates on the mortgage prior to the loan modification as shown in enclosed credit report as well. Also, XXXXAmerican Financial Network once again lied on top of this and didn't mention how any alleged late prior to the loan modification was done during a Covid forbearance wherein federal law states that they are not to report any lates. In both of this American Financial Network has lied in a compounding way and also shown to have lied to XXXX XXXX has said here with Consumer Finance Protection Bureau that American Financial Network has removed all late payments from credit report and this is untrue as shown by the enclosed credit report. American Financial Network has lied to consumer finance protection bureau and XXXX. Also of note is that American Financial Netowrk reported and keeps reporting all lates as being prior to XX/XX/XXXX loan modification and by implication also lied in stating that all prior reported lates were no longer reporting as being late. See enclosed credit report to catch them in another lie. Lastly just prior to closing on property American Financial Network ( as they did in loan modification ) inflated my mortgage balance by over XXXX as in loan modification my mortgage balance was XXXX and my original loan balance in XX/XX/XXXX was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report, it has been over thirty days and I haven't received investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report, it has been over thirty days and I haven't received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
writing to file a formal dispute and request the immediate removal of fraudulent accounts and inquiries placed on my credit file due to identity theft resulting from a data breach. My personal and financial information was compromised without my knowledge or consent. 

The following accounts and inquiries must be immediately removed as they are fraudulent and were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and any related inquiries are a result of fraudulent activity. I have never applied for or opened any accounts with these creditors. Additionally, I request that these accounts be blocked from future reporting and permanently deleted from my credit file.

I have attached the following supporting documentation for your records : FTC Identity Theft Report Police Report According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, you are legally required to block and remove all fraudulent information from a consumers file once proper documentation of identity theft has been provided. I expect compliance with this legal obligation and request confirmation that the fraudulent items have been removed.

Please provide written confirmation of your investigation results and the removal of these accounts and inquiries within the 30-day timeframe as required by law.

Thank you for your prompt attention to this matter.

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report, it has been over thirty days and I haven't received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: TX

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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB Complaint Against CAPITAL ONE Company : Capital One Account Number ( last XXXX digits ) : XXXX XXXX XXXX Amount in Dispute : {$5500.00} Date Opened : XX/XX/XXXX What Happened : Capital One is illegally and inaccurately reporting this account on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and continuing to damage my credit after already pursuing and winning legal action against me. 

This account was charged off as of early XXXX, and Capital One sued me in court over the debt and obtained a judgment. Despite that legal resolution, they continue to report the account as : Past due each month Charged off repeatedly including updates as recent as XX/XX/XXXX Showing a freshly updated balance of {$5500.00} every month This is a clear case of re-aging the account, which violates FCRA 623 ( a ) ( 5 ) and 605 ( c ). Once a judgment has been issued and the account is closed, the creditor can not continue to update the account as actively delinquent. 

Violations Include : Illegally re-aging the account past its charge-off Continuing to show a past due balance post-judgment Reporting multiple months of charge-offs after the matter was closed in court Providing inaccurate payment history after legal closure Extending the reporting period past the legal XXXX limit Reporting the account as updated without correcting its false status This account is no longer a matter of default it is a matter of a resolved legal action, and Capital One has no legal or ethical grounds to continue updating it as active derogatory debt. 

Supporting Info : Capital One won a legal case against me regarding this exact account They have no legal right to continue reporting it as past due or charged off each month Their ongoing monthly updates are misleading, inaccurate, and clearly designed to keep the derogatory mark alive well beyond what is lawful

Company response to consumer: Closed with explanation