vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: NV

Complaint narrative:
The company i asked was what form of signature was given when I have not signed no form or voice agreement was given from my past and these XXXX  cards that are in collections were not mine. I do have XXXX XXXX  cards that are mine and are active at this moment. Have had XXXX, experian, and XXXX XXXX dispute this as well but has not done no justice. I have XXXX XXXX  XXXX, XXXX and XXXX XXXX  XXXX card that i acknowledge, all others I have not agreed or authorized. As well as all other inquiry that are not mine but the ones I've done and approved my credit.

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 2025-07-29 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: NV

Complaint narrative:
The company i asked was what form of signature was given when I have not signed no form or voice agreement was given from my past and these XXXX  cards that are in collections were not mine. I do have XXXX XXXX  cards that are mine and are active at this moment. Have had equifax, XXXX, and XXXX XXXX dispute this as well but has not done no justice. I have XXXX XXXX XXXX, XXXX and XXXX XXXX  XXXX card that i acknowledge, all others I have not agreed or authorized. As well as all other inquiry that are not mine but the ones I've done and approved my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-07-29 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: MN

Complaint narrative:
Attached is a letter from Equifax informing me and showing that Equifax deleted and removed the fraudulent XXXX XXXX credit card account from my Equifax credit report, but the XXXX XXXX account is still listed and showing on my Equifax credit report. Equifax hasnt deleted or removed the fraudulent XXXX XXXX credit card account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am disputing inaccurate late payment reporting for XXXX XXXX XXXX  XXXX. The account is listed as XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, but no original documentation validating the delinquency has been provided. 

Under FCRA 609 and 611, I request verification including a signed agreement, itemized payment history, and method of verification under 611 ( a ) ( XXXX ). 

If XXXX XXXX can not validate this reporting, it must be deleted. Continued furnishing of unverifiable derogatory data violates FCRA 623 ( a ) ( XXXX ) ( A ).

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 2025-07-29 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
- On XX/XX/XXXX, I disputed XXXX account XXXX  XXXX with XXXX, demanding : Proof of debt validation Verification methods used Original creditor documentation - XXXX  responded on XX/XX/XXXX claiming the debt is " accurate '' but : Provided NO validation documents Failed to explain their investigation methods Ignored my FCRA 611 ( a ) ( 7 ) request for verification details- XXXX continues to violate FDCPA by : Not providing signed contracts/itemization Falsely claiming they sent an XX/XX/XXXX letter and XX/XX/XXXX XXXX. * * Attempts to Resolve * * : - Attached : Copies of my dispute letters dated XXXX XXXX XX/XX/XXXX - XXXX failed to respond adequately 4. * * Damages Suffered * * : - XXXX XXXX harm - Emotional distress - Time spent resolving ( XXXX hours ) * * Demands : * * 1. Immediate deletion of this unverified debt from all credit reports 2. Full documentation of XXXX  " investigation '' XXXX. Proof of XXXX legal authority to collect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
I am writing to formally report that a fraudulent XXXX XXXX XXXX credit card account has been opened in my name without my knowledge or authorization. I am a victim of identity theft and have never applied for, opened, or authorized this account to be opened in my name.. 

Despite my repeated notifications and submission of documentation, this account continues to be improperly treated as a billing dispute rather than an identity theft claim. Furthermore, this business credit card is being reported on my personal credit profile, which is inaccurate and damaging to my credit standing. 

This misclassification and inaccurate reporting violate your obligations under the Fair Credit Billing Act ( 15 U.S.C. 16661666b ), the Truth in Lending Act, and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681c-2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
I am submitting this complaint regarding these XXXX XXXX  accounts that are currently being reported on my credit file : XXXX XXXX - XXXXXXXX XXXX XXXX  XXXX  XXXX  - XXXXXXXX XXXX XXXX I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) XXXX, which restricts access and furnishing of credit information without a legally permissible purpose. 

Additionally, per FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus. 

Failure to address and resolve this matter XXXX result in further escalation to the FTC and state regulatoryauthorities.

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 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
I booked a stay at XXXX XXXX through XXXX on XX/XX/XXXX for XX/XX/XXXX to XX/XX/XXXX ( attached ). I contacted the hotel to confirm the reservation ; however they had XX/XX/XXXX to XXXX XXXX night short. I contacted XXXX on XX/XX/XXXX to cancel, but they rejected my request ( attached ) despite being within the hotel 's cancellation policy ( XXXX hours ). Because the reservation didnt match what I paid, I did not stay at the hotel and had to escalate a manager to recieve written documentation ( attached ) and booked alternative accommodations. 

The original charge of {$1900.00} was financed through Affirm. Despite providing documentationincluding my confirmation email from XXXX, the hotels written confirmation with different dates, and evidence of my attempting to cancelAffirm denied my dispute twice. I have continued to make payments solely to protect my credit, not because I agree with the charge or accept liability for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of 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  15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
I have been a victim of Identity Theft and I have filed a FTC report that is attached to this complaint. XXXX XXXX and XXXX  are XXXX apparent loan companies that are reporting to TransUnion that I owe them for loans. I do not owe anyone anything as I did not take out a loan with either of these companies. As stated before I have unfortunately been a victim of identity theft. The FCRA requires that the Credit Bureaus only report true and accurate information. This erroneous information is now even being reported as late and has now dropped my credit score tremendously. I request that this information be immediately removed from my Credit Report. I have spoken with an attorney on this matter, and we are prepared to take this matter to court if this is not taken care of immediately. The law states that this should be corrected within 4 days of receipt of my Identity Theft Complaint. I have complained about this several times and nothing has been done. I keep getting responses that the information is verified. Please advise how this is verified when I am advising you that I did not take out the loans and that I was a victim of identity theft? I am also being harassed daily with phone calls for a debt that does not belong to me. This entire ordeal has caused me severe stress and has put me into several medical XXXX  XXXX. Please remove this information from my credit file immediately.

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 2025-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am writing to formally raise a complaint regarding my repeated and unsuccessful attempts to obtain an Assumptions Packet from Loan Care company. Despite making multiple requests over the course of several weeks, I have yet to receive the requested documentation, which is critical for time-sensitive personal and financial matters. 

I have contacted the team on the following dates regarding this issue : Late XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> Each time I called, I was informed that the document would be sent within a week or that it had already been emailed to us. However, the packet has never been received. I have verified that our email address on file is correct and have checked spam/junk folders, yet nothing has arrived. 

I have spoken with representatives from both escalation team and management, but no one has been able to provide a clear explanation, resolution, or even an estimated timeframe for delivery. Instead, I am consistently asked to wait further without any indication that progress is being made. This ongoing delay is directly affecting my ability to act on important financial opportunities, and I am now at risk of missing them entirely due to the inaction and lack of follow-through from LoanCare.

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 2025-07-29 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: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-07-29 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: PA

Complaint narrative:
Please assist me in opening an investigation into these accounts, as they are reflecting inaccurate information on my credit report. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Ive attached the appropriate documentation to support my request. It is also important to note that the account information varies and is inaccurate across all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt 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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have asked already to remove as Auth, Signer and delete from each of of their credit reports. As of today all three still show as Auth. Signer on their credit reports. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation