vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/XXXX To Whom It May Concern, RE : Unauthorized Hard Inquiries Demand for Immediate Removal XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I am writing to formally dispute XXXX unauthorized credit inquiries currently listed on my credit report. I did not authorize, apply for, or consent to any credit transaction with XXXX or XXXX XXXX on or around the above-stated dates. These inquiries are unfamiliar to me and must be removed from my credit file immediately. 
According to FCRA 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ], a consumer report may only be accessed with the consumers authorization or for a permissible purpose. No such authorization was given in these cases. Therefore, their inclusion on my credit report violates both FCRA 1681b and 1681e ( a ), which require credit reporting agencies to ensure that only accurate and properly authorized information is reported.

Additionally, under FCRA 1681i, I am exercising my right to dispute information in my file that I believe is inaccurate or incomplete. If the companies in question can not provide documented proof that I initiated a credit application, you are required by law to delete these inquiries within 30 days of this dispute notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
Recently reviewed my credit report and noticed that fraudulent accounts. Can you please remove these accounts for my report because they are hurting my Ability to obtain credit, please delete promptly thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I was reviewing my credit report and noticed a fraudulent account that I do not recognize, please help me remove this account as it is preventing me from receiving 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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
This is my personal, good-faith request for relief under the FCRA, let this letter serve as a formal notice that you are knowingly reporting inaccurate, incomplete or unverifiable information regarding the accounts listed below. I am also disputing reporting law not whether or not an account is mine but whether or not you have the verifiable proof that is required by law for the accounts listed below along with the Original Creditors Documentation. 

Please provide any and all contractual agreements between myself and the creditors listed or there is no verifiable proof that can validate I owe the debt listed below. 

The following accounts must be deleted IMMEDIATELY if validation has not been provided : PRO COLLECT ( Original Creditor : XXXX XXXX  XXXX XXXX ) Date Opened : XX/XX/year> Amount : {$9400.00} Account Number : XXXXXXXX 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 explanation
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was advised by the FTC to submit this complaint. Numerous accounts have been appearing on my credit report for several years. As of right now i only have the information that's available on XXXX XXXX. To begin. " XXXX XXXX XXXX '' date fraud began XX/XX/XXXX balance {$7500.00}. " XXXX XXXX '' ( XXXX XXXX  ) date fraud began XX/XX/XXXX balance {$1600.00}. " XXXX  XXXX '' date fraud began XX/XX/XXXX balance {$670.00}. " XXXX  XXXX '' date fraud began XX/XX/XXXX balance {$5800.00}. " XXXX XXXX XXXX XXXX  '' date fraud began XX/XX/XXXX balance {$4800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
CFPB Complaint Letter ( Vehicle Not Yet Surrendered ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX To Whom It May Concern, I am filing a formal complaint regarding an auto loan from Auto Land, which was later transferred to Mid Atlantic without my knowledge or consent. I am currently considering surrendering the vehicle, a XXXX XXXX XXXX XXXX, due to severe, pre-existing damages that were not disclosed at the time of sale and which have rendered the vehicle inoperable. However, I have not done so, as I am seeking resolution to serious issues related to the loan, the vehicles condition, and the unauthorized title transfer. 

At no time have I been late or delinquent on payments. I have maintained a perfect payment history. I believe this loan involved potential misrepresentation regarding the vehicle 's condition and unfair or deceptive reporting and transfer practices. 

Additionally, I recently discovered that the vehicle title and loan servicing rights were transferred or sold to Mid Atlantic without my knowledge, consent, or any written notification. I never received a notice of transfer, new payment instructions, or any change in lender information.

Under the Truth in Lending Act ( 15 U.S.C. 1641 ( g ) ), the new owner or assignee of the loan is legally required to notify the borrower in writing within 30 days of the transfer. Failure to provide this notification violates federal disclosure laws. Furthermore, this lack of disclosure may also violate Florida consumer protection laws under the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ).

Although the original contract includes a clause allowing the transfer of rights, it does not exempt the new lender from federal notification requirements. This undisclosed transfer obstructed my ability to verify payment responsibilities, resolve disputes, and protect my credit in a timely and fair manner. 

I respectfully request that this matter be investigated as a potential breach of disclosure obligations, and that any negative credit reporting or financial liability resulting from this unlawful transfer be reviewed and corrected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: DISCOVER BANK
State: NJ

Complaint narrative:
Issue : Illegal credit reporting and collection of time-barred debt Complaint Against : Discover Financial Services Summary : Discover is continuing to report a charged-off account ( Acct ending in XXXX ) to XXXX  and XXXX, despite the fact that this debt is beyond the statute of limitations and no longer legally collectible in my state. 
The debt was placed with XXXX XXXX XXXX, who confirmed in writing that the statute of limitations expired and that they closed the account and returned it to Discover. XXXX has also confirmed that they do not report to the credit bureaus, and thus any current reporting is being done by Discover.

This is a violation of FCRA 605 ( a ) and FCRA 611, as the information is inaccurate, outdated, and misleading. It is also potentially deceptive under FDCPA 807.

I am requesting the permanent deletion of this Discover account from all credit bureaus immediately. 
I am attaching supporting documentation including the letter from XXXX stating the debt is beyond the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c- that Equifax , the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPT OF ED XXXX XXXX which is now a collection account at XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a phone call from the Wells Fargo Fraud Department regarding fraudulent activity on my account. I immediately drove to the closest branch location on XXXX XXXX in XXXX AZ XXXX and spoke with the Branch XXXX, XXXX. XXXX worked with me and was able to establish that the {$9800.00} was a fraudulent withdraw. My banking cards were not swiped, tapped, or inserted. I was told that my ID and signature were a match. This is inaccurate, my address on my state ID does not match the address that is in the Wells Fargo system. These would not be valid forms of identification for a withdraw. XXXX assisted in calling the fraud department. There was a {$7500.00} charge on my checking ( separate submission ) and {$9800.00} on my savings. When reporting to the branch the withdraws were still pending, therefore I was told a freeze would take place, and an investigation would take place. I received a letter from Wells Fargo on XX/XX/XXXX ( dated XX/XX/XXXX ) stating that the CHECKING account was found to be accurate with no fraudulent activity. At no time have I received anything stating the status of my savings account. I have not been given a case number of any kind. Upon calling every division, my complaint is not found and I have to re-explain my circumstances. I've spoken to no less than XXXX people since XX/XX/XXXX within the local branch, customer service, fraud, and executive. There are no notes on my account, and a fraud case was not filed by XXXX in the branch at the time it was reported. XXXX froze both my checking and savings and opened new accounts. It has been impossible to work with wells fargo, or to speak with anyone who is able to assist in my concern.

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