vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I am writing to formally dispute multiple unauthorized hard inquiries currently appearing on my credit report. I have been the victim of several data breaches, which have exposed my personal and financial information without my consent. As a result, these hard inquiries were not authorized by me and constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that these unauthorized hard inquiries be investigated and removed from my credit report within XXXX ( XXXX ) business days. These inquiries are negatively affecting my creditworthiness and were made without my knowledge or permission. 

Please treat this matter with urgency. I am prepared to provide any additional documentation needed to support my claim. Thank you for your immediate attention to this issue.

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 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 explanation
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account 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 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 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 2025-05-24 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal Complaint Violation of 15 U.S.C. 1681 ( a ) ( 4 ) and Privacy Protection Laws by XXXX XXXX XXXX XXXX XXXX XXXX writing to file a formal consumer complaint against XXXX XXXX XXXX XXXX ( XXXX  ) for what I believe is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), as well as the Privacy Protection Act. On XX/XX/year>, my previously closed accounts with XXXX were sold to a third-party, non-affiliated debt collection agency, XXXX XXXX XXXX XXXX, without my prior knowledge or consent. This action constitutes an unauthorized disclosure of my personal and financial information and violates the provisions intended to protect consumer privacy under federal law. Basis of Complaint : Violation of 15 U.S.C. 1681 ( a ) ( 4 ) : This section of the FCRA underscores the importance of protecting consumer privacy and limiting access to consumer reports to only those with a permissible purpose. Selling closed accounts to a third party without my authorization is not a permissible purpose. Breach of the Privacy Protection Act : My personal financial information was shared with an unaffiliated third-party without notice or my express written consent, violating consumer protection statutes regarding non-public personal data. Request for Resolution : I formally request the following actions be taken : Immediate deletion of both closed accounts with XXXX XXXX XXXX XXXX from all consumer reporting agencies. Investigation and enforcement action against XXXX XXXX XXXX XXXX for this privacy breach. Written confirmation from XXXX that all data shared with XXXX XXXX XXXX XXXX has been retracted and/or securely deleted. This disclosure and sale of my closed account information has caused me undue distress, and I demand corrective measures be taken promptly. I am also attaching copies of supporting documentation for your review, including notices and communications from XXXX XXXX XXXX XXXX. Please contact me at your earliest convenience to confirm receipt of this complaint and to provide an update on the actions taken. XXXX Documents attached concerning the Accounts for this complaint. Thank you for your time and attention to this serious matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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:
Formal Complaint Violation of 15 U.S.C. 1681 ( a ) ( 4 ) and Privacy Protection Laws by XXXX XXXX XXXX XXXX XXXX XXXX writing to file a formal consumer complaint against XXXX XXXX XXXX XXXX ( XXXX  ) for what I believe is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), as well as the Privacy Protection Act. On XX/XX/year>, my previously closed accounts with XXXX were sold to a third-party, non-affiliated debt collection agency, XXXX XXXX XXXX XXXX, XXXX my prior knowledge or consent. This action constitutes an unauthorized disclosure of my personal and financial information and violates the provisions intended to protect consumer privacy under federal law. Basis of Complaint : Violation of 15 U.S.C. 1681 ( a ) ( 4 ) : This section of the FCRA underscores the importance of protecting consumer privacy and limiting access to consumer reports to only those with a permissible purpose. Selling closed accounts to a third party without my authorization is not a permissible purpose. Breach of the Privacy Protection Act : My personal financial information was shared with an unaffiliated third-party without notice or my express written consent, violating consumer protection statutes regarding non-public personal data. Request for Resolution : I formally request the following actions be taken : Immediate deletion of both closed accounts with XXXX XXXX XXXX XXXX from all consumer reporting agencies. Investigation and enforcement action against XXXX XXXX XXXX XXXX for this privacy breach. Written confirmation from XXXX that all data shared with XXXX XXXX XXXX XXXX has been retracted and/or securely deleted. This disclosure and sale of my closed account information has caused me undue distress, and I demand corrective measures be taken promptly. I am also attaching copies of supporting documentation for your review, including notices and communications from XXXX XXXX XXXX XXXX. Please contact me at your earliest convenience to confirm receipt of this complaint and to provide an update on the actions taken. 2 Documents attached concerning the Accounts for this complaint. Thank you for your time and attention to this serious matter. Sincerely, 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 2025-05-24 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: TX

Complaint narrative:
Pursuit to Section XXXXb of the FCRA Transuion Equifax XXXX Experian has failed to protect my consumer rights and remove fraudulent accounts and inquiries from my personal credit report Said accounts BANK XXXX XXXX loan ( fraudulent auto loan did not do business with this creditor {$34000.00} XXXX XXXX XXXX {$34000.00} ( FRAUDULENT AUTO LOAN ) collection- XXXX XXXX of XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX these accounts should be removed as soon as possible

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 2025-05-24 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: TX

Complaint narrative:
Pursuit to Section XXXXb of the FCRA Transuion Equifax XXXX Experian has failed to protect my consumer rights and remove fraudulent accounts and inquiries from my personal credit report Said accounts BANK XXXX XXXX loan ( fraudulent auto loan did not do business with this creditor {$34000.00} XXXX XXXX XXXX {$34000.00} ( FRAUDULENT AUTO LOAN ) collection- XXXX XXXX of XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX these accounts should be removed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of XXXX XXXX I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing to file a complaint about repeated and harassing phone calls I have been receiving from a company called MCM regarding a debt that does not belong to me.

Despite having no outstanding debts, MCM calls me multiple times a day and leaves voicemails about a debt collection. I informed them last year that they have the wrong person and that the individual they are trying to reach is not associated with my phone number. I have had this number for over 15 years, and it has never been tied to the person they are seeking. 

MCM continues to call using a different phone number each time, which makes it impossible for me to block them. This is not only disruptive but also feels like a form of harassment, especially since Ive already made clear that the debt is not mine. 

I am requesting that this company be investigated for violating consumer protection laws and that steps be taken to stop the harassment. 

Please let me know if you require any additional information from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: ME

Complaint narrative:
Unrecognized medical debt, especially in regards to medical reporting is currently on my credit report, however ( see below ) this is not used in credit reporting however when trying to obtain a mortgage the credit report is showing collections of a medical debt. 

Information about a person 's medical history and health is sacrosanct and among the most intimate and sensitive categories of data. Recognizing the uniquely sensitive nature of such information, Congress acted to limit the use and sharing of medical information in the financial system by amending the Fair Credit Reporting Act ( FCRA ) through the Fair and Accurate Credit Transactions Act of 2003 ( FACT Act ). [ 1 ] In doing so, Congress establish [ ed ] strong privacy protections for consumers ' sensitive medical information, [ 2 ] in line with the overarching privacy protection purpose of the FCRA. [ 3 ] As part of these protections, Congress generally limited a creditor 's ability to obtain or use a consumer 's medical information in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit ( creditor prohibition ), subject to certain exceptions. [ 4 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: ME

Complaint narrative:
Unrecognized medical debt, especially in regards to medical reporting is currently on my credit report, however ( see below ) this is not used in credit reporting however when trying to obtain a mortgage the credit report is showing collections of a medical debt. 

Information about a person 's medical history and health is sacrosanct and among the most intimate and sensitive categories of data. Recognizing the uniquely sensitive nature of such information, Congress acted to limit the use and sharing of medical information in the financial system by amending the Fair Credit Reporting Act ( FCRA ) through the Fair and Accurate Credit Transactions Act of 2003 ( FACT Act ). [ 1 ] In doing so, Congress establish [ ed ] strong privacy protections for consumers ' sensitive medical information, [ 2 ] in line with the overarching privacy protection purpose of the FCRA. [ 3 ] As part of these protections, Congress generally limited a creditor 's ability to obtain or use a consumer 's medical information in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit ( creditor prohibition ), subject to certain exceptions. [ 4 ]

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 2025-05-24 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
EQUIFAX SHOWS 2 CREDIT REPORTS AND IT NEEDS TO BE MERGED INTO ONLY ONE REPORT AND TWO CREDIT SCORE I HAVE TRIED EVERYTHING FOR THE COMPANY TO FIX MY ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NJ

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

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX XXXX XXXX that contains serious inaccuracies and potentially unverifiable derogatory information. 

This account is currently listed as charged off on my credit report, with a series of late payment entries escalating from 30 days in XX/XX/XXXX to 150 days in XX/XX/XXXX, followed by a charge-off in XX/XX/XXXX. However, upon review, I discovered two major issues : 1. Incomplete or unverifiable historical payment data : For the majority of the accounts history, the reporting bureau previously displayed Unknown payment status across over 30 months. This lack of accurate reporting history calls into question the credibility and integrity of the newly added derogatory marks.

2. No account number is listed, and I have not received any documentation verifying how the furnishers confirmed the accuracy of the late payments, nor how they determined the charge-off amount or status.

Under FCRA 602 ( a ) and 611, consumer reporting agencies are required to ensure all information is accurate, verifiable, and complete. Since this accounts payment history was largely Unknown for an extended period and then suddenly populated with negative marks without supporting documentation or prior reporting consistency, I believe this account may have been updated using unverifiable data.

I am requesting : Full reinvestigation of this accounts reporting history Proof of the method of verification used to confirm the late payments and charge-off status I have attached screenshots showing the recent changes, the historical Unknown status, and the newly added derogatory data. I respectfully request that this be escalated, reviewed thoroughly, and resolved fairly under federal law.

Thank you for your time and action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: PR

Complaint narrative:
WORK AT HOME OR WORK FROM HOME IS NOT MY EMPLOYER I AM FRUSTRATED FOR REQUESTING TRANSUNION DIRECTLY FOR A REMOVAL OF THIS EMPLOYER WHICH IS NOT MY EMPLOYER. 

PLEASE REMOVE THIS WRONG EMPLOYER FIND THE ATTACHED DOCUMENT AS PROOF.

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