vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: AZ

Complaint narrative:
I am writing to formally file a complaint against the three major credit reporting agencies Experian, TransUnion, and Equifax and any affiliated or sister agencies reporting, storing, or tracking my personal data through these platforms. 

These entities are in violation of my rights under several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and relevant statutes within the Uniform Commercial Code ( UCC ) and United States Code ( USC ). 

I am disputing the continued reporting of false, inaccurate, and unverifiable information on my credit reports. I am formally requesting the following : Full validation of every account reported to Experian, TransUnion, and Equifax, including : Original contracts bearing both parties signatures. 

Complete accounting ledgers and payment histories. 

Chain of Agreement/Assignment. 

Original Promissory Notes. 

Documentation of any Insurance Claims associated with the debt. 

Copies of all investigation reports related to past disputes I have submitted. 

Identification and validation of all third-party agencies or furnishers who are : Reporting or tracking my personal credit data. 

Benefiting financially from my credit report or inquiries. 

Responsible for unauthorized inquiries made without my consent. 

A complete accounting ledger from any agency or platform that profited from the access or use of my credit data, including for promotional or soft inquiries. 

Removal of all obsolete personal information, including outdated : Names Addresses Phone numbers Validation of all inquiries, specifically unauthorized hard and soft credit checks that may have resulted in unjust financial benefit or violation of my privacy. 

This continued reporting of unverifiable data without proper documentation violates : 15 U.S.C. 1681e ( b ) ( FCRA ) failure to maintain accuracy.

15 U.S.C. 1692g ( b ) ( FDCPA ) failure to provide debt validation.

15 U.S.C. 1681n and 1681o civil liability for willful or negligent noncompliance.

UCC 3-501 demand for presentment and validation of alleged debts.

UCC 1-308 reservation of rights without prejudice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: DISCOVER BANK
State: CA

Complaint narrative:
Hello I was a victim of identity theft I sent complaints to the threee credit beurues as well they have already tried to take it down from my consumer report discover decided to XX/XX/XXXX. Certification with the account but its identity theft of course the information came back from the irs as certified mine I would like this account immmeditely off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I went through XXXX XXXX XXXX in attempt of consolidation and my accounts are paid off in full. My XXXX account was paid over a year ago, and my XXXX account was paid in full and processed weeks ago. On my report for certain accounts, this is not accurately shown. I am seeing I have outstanding debt of {$8400.00} which is not true. I have no outstanding debt. These accounts have been settled and paid off with agreement of XXXX XXXX  through XXXX XXXX XXXX with having received confirmation of both parties of this. Also, my XXXX account was closed and paid in full potentially even a year and a half or so ago. I can not remember the date bc it was so long ago. XXXX is aware and has accepted the full payment through XXXX XXXX XXXX. I really need this to be reflected accurately across all of my credit scores and not all of them accurately do show this. I am working really hard to build my credit up after having gone through this situation and working extra hours and doing everything I can to correct the situation. I had not known at the time how much XXXX XXXX XXXX is a scam though all that a side, things have come to an agreement through all parties. I have no debt. Everything is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: MN

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same 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 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Inaccuracies on my report by law 15 USC 1681 EB please removed immediately from Credit report. XXXX XXXX military and I have knowledge of this debt. Im currently trying to buy a home. These inaccuracies on my report are causing serious damage. I will sue if not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: TN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, several unauthorized or unnecessary hard inquiries were placed on my credit report by various companies, even though no credit was extended or final transaction occurred. 

XXXX XXXX XXXX made multiple hard inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite the fact that the actual loan was approved on XX/XX/XXXX. The other XXXX were not connected to any further application or loan. 

XXXX placed a hard inquiry on XX/XX/XXXX, although I never applied for credit with them or submitted any request for a store card or financing. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX placed hard inquiries on XX/XX/XXXX, XXXX with Experian and XXXX with TransUnion, even though I only visited to ask about financing options. I was not informed that a credit check would be performed, nor did I provide written consent. 

These inquiries were done without my full authorization or proper notice, and they are having a negative impact on my credit profile. According to the Fair Credit Reporting Act ( FCRA ), Section 604, a permissible purpose and clear consent are required before a credit report can be accessed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach and/or fraudulent activity. I also dispute any unauthorized inquiries and demand verifiable proof, including documents bearing my signature or electronic authorization. 

I have never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B Block of information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ] Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have contacted the companies in question and have found that these actions were initiated without compliant validation or original documentation. Therefore, I assert that these accounts and inquiries are inaccurate and unauthorized. They are a result of either a data breach or unlawful reporting by creditors or third-party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX - XXXX, Bal- {$140.00}, opened : XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX, Bal- {$750.00}, opened : XX/XX/XXXX XXXX XXXXl : XXXX : XXXX, Bal- {$670.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, Bal- {$12000.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - XXXX , Bal- {$2300.00}, opened : XX/XX/XXXX XXXX XXXX XXXX : XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$1600.00} XXXX opened : XX/XX/XXXX XXXX XXXX XXXX -XXXX, Bal- {$21000.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, Bal- {$1400.00}, opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Bal- {$8300.00}, opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NY

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX - XXXX, Bal- {$140.00}, opened : XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX, Bal- {$750.00}, opened : XX/XX/XXXX XXXX XXXXl : XXXX : XXXX, Bal- {$670.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, Bal- {$12000.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - XXXX , Bal- {$2300.00}, opened : XX/XX/XXXX XXXX XXXX XXXX : XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$1600.00} XXXX opened : XX/XX/XXXX XXXX XXXX XXXX -XXXX, Bal- {$21000.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, Bal- {$1400.00}, opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Bal- {$8300.00}, opened : XX/XX/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 2025-04-20 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: IL

Complaint narrative:
The payment history on my EXPERIAN, Transunion and Equifax for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX totally inaccurate and not being reported fairly. The Right to Dispute Inaccurate Information ( 1681i ( a ) ( 1 ) ) If a consumer disputes the completeness or accuracy of any item in their credit report, the CRA must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, unless the dispute is deemed frivolous or irrelevant. 

Also I have accounts that have been deleted from my Transunion and Equifax but still reporting on my Experian. 

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The payment history on my EXPERIAN, Transunion and Equifax for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX totally inaccurate and not being reported fairly. The Right to Dispute Inaccurate Information ( 1681i ( a ) ( 1 ) ) If a consumer disputes the completeness or accuracy of any item in their credit report, the CRA must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, unless the dispute is deemed frivolous or irrelevant. 

Also I have accounts that have been deleted from my Transunion and Equifax but still reporting on my Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Concord Servicing Corporation
State: FL

Complaint narrative:
In XX/XX/XXXX, I was in a real bad car accident. I was contacted subsequently by XXXX regarding my payment ( XXXX ) due. I informed the lady I had been in an accident and asked if she could suspend my account until I got healed and back on my feet. She said sure we can do that. I never got anymore calls from XXXX regarding my payment. So I naturally assumed my account was frozen until I could start making payments. I called back in XX/XX/XXXX after I had been trying to reactivate my account via email unsuccessfully. I was told XXXX was due I said ok XXXX going to call back to pay that amount. I called back XX/XX/XXXX to pay that amount and was told that my XXXX free resort nights expire XXXX and my {$500.00} travel credits expired. Thats half of my rewards down the drain. The only reward ( XXXX ) left is discounts and XXXX resort week prices dependant upon availability. XXXX supposed to pay XXXX for that? 

That is breach of contract. I was assured my account was paused so my benefits should have been paused as well. I didnt get any single benefits or rewards because they expired/expiring but I asked my account to be paused and today the amount is no longer XXXX but XXXX so interest and late fees have been accruing too without any notice. XXXX could have just accelerated this loan but it improperly kept charging late fees and interest despite having told me they could pause such collections. 

So at this point if my XXXX resort nights expire XXXX and I dont have the {$500.00} travel credit I want my deposit and initial payments back or this loan cancelled as paid off because I didnt use nothing from this program and was misinformed that my account could be paused until I start making payments. Which would have put me back in the same position I was on the date the account was paused. Please forward this situation to your legal department as this is notice before I file a lawsuit for breach of contract. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: PR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 
Here is the item i am asking to verify as accurate : 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 2025-04-20 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: World Acceptance Corporation
State: LA

Complaint narrative:
I contacted World XXXX XXXX in regards to an account that I have no knowledge of and this was dated since XXXXThis was an amount for about XXXX. I have contacted them for the past couple of years and they still havent responded to my requests I even mailed a certified letter to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: TN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, several unauthorized or unnecessary hard inquiries were placed on my credit report by various companies, even though no credit was extended or final transaction occurred. 

XXXX XXXX XXXX made multiple hard inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite the fact that the actual loan was approved on XX/XX/XXXX. The other XXXX were not connected to any further application or loan. 

XXXX placed a hard inquiry on XX/XX/XXXX, although I never applied for credit with them or submitted any request for a store card or financing. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX placed hard inquiries on XX/XX/XXXX, XXXX with Experian and XXXX with TransUnion, even though I only visited to ask about financing options. I was not informed that a credit check would be performed, nor did I provide written consent. 

These inquiries were done without my full authorization or proper notice, and they are having a negative impact on my credit profile. According to the Fair Credit Reporting Act ( FCRA ), Section 604, a permissible purpose and clear consent are required before a credit report can be accessed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company response to consumer: Closed with non-monetary relief