vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
XXXX XXXX ( Former last name XXXX ) XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX XX/XX/2025 Equifax XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Dispute of Unauthorized Hard Inquiry under FCRA Dear Equifax Dispute Department , I am writing to formally dispute and request the removal of an unauthorized hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, dated XX/XX/, which appears on my Equifax credit report. 

I have not provided any written authorization or permissible purpose to XXXX XXXX XXXX XXXX for this hard inquiry under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). As you are aware, the FCRA requires that a consumer reporting agency may only furnish a consumer report if there is permissible purpose and valid authorization from the consumer. 

Since I do not recall initiating any application for credit with this company, and I have not signed or authorized any document granting permission for this inquiry, I am requesting that you immediately investigate and remove this inquiry from my credit report. 

Please provide me with the following : 1. Documentation with my wet signature showing I authorized XXXX XXXX XXXX XXXX to perform this hard inquiry. 
2. The method and date of verification of this inquiry with the requesting party. 
3. A written response within 30 days of your receipt of this letter, as required under the FCRA. 

If you are unable to provide verifiable proof that I authorized this inquiry, it must be deleted from my credit report promptly. I am exercising my rights under the FCRA to maintain the accuracy and privacy of my credit profile. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) [ Your Signature ] ( if mailing ) [ Your Printed Name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
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. 

Account name : 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 And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I am a victim XXXX XXXX. The information listed below, which appears on my credit report, is the result XXXX XXXX XXXX 
ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
I recently reviewed my credit report and found incorrect personal information and inaccurate inquiries : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
I recently reviewed my credit report and found incorrect personal information and inaccurate inquiries : 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

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 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services XXXX 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 following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am a victim XXXX XXXX XXXX  under XXXX and I have reported the fraudulent items in my credit profile that are in the result of this experience. this is XXXX  my life in a very very very XXXX  way, please help me fix this problem.

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I received an email from American Express saying that we have cancelled the account ( XXXX ) due to XXXX  of misuse. I had XXXX credit cards with them and normally used them for everyday life. I have accumulated over XXXX points in my AMEX XXXX XXXX  account, which was all gone with their cancellation. I have never misused any credit card, and always paid off all the balances in time. I called their customer service for the exact reason why they cancelled my XXXX  cards, but they refused to provide any more information. It is extremely unfair for such an action without any proof, while XXXX  all the points which are my earned asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX. 
[ Escalation or XXXX XXXX Department ] Subject : Urgent Request for Resolution and Compensation Fraudulent XXXX XXXX XXXX Loan | Account XXXX XXXXXXXX Dear XXXX XXXX XXXX XXXX, I am writing to urgently request resolution and compensation regarding a fraudulent XXXX  loan that was placed in my name by XXXX dealership on XXXX XXXX XXXX, XXXX, GA, in XXXX. The vehicle involved is a XXXX XXXX XXXX, and the XXXX account number associated with this matter is XXXX XXXXXXXX. 

My signature was forged on the finance documents. I reported the issue in XXXX, and despite repeated follow-up, the case remains unresolved. I have been told the case was closed, then reopened, and most recently transferred to another department. More than XXXX  days have passed since the investigation beganwell beyond the XXXX timeframe I was initially promised. 

This delay has placed a significant burden on me and my family. Due to this unresolved situation : I paid {$3000.00} out-of-pocket for my mother-in-laws funeral in XX/XX/XXXX. 
Ive spent over {$1500.00} on XXXX rides to get to work, transport my children to school, and care for my mother, who XXXX XXXX XXXX XXXX 
I lost a XXXX  paying $ XXXX after just XXXX days due to lack of transportation. 
This has XXXX  my credit and personal reputation. Its affecting my ability to secure employment and financial stability. The continued delays have also XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive experienced XXXX XXXX XXXX XXXX XXXX XXXX XXXX during a time XXXX already XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting the following : XXXX resolution and closure of this fraud case. 
Removal of the fraudulent XXXX/account from my credit report. 
Reimbursement of {$4500.00} in documented expenses. 
Additional compensation for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Ongoing written updates until this matter is fully resolved. 
Please contact me promptly at XXXX or XXXX to confirm receipt and provide an update. I am prepared to escalate this to the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General, and legal counsel if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX. 
[ Escalation or XXXX XXXX Department ] Subject : Urgent Request for Resolution and Compensation Fraudulent XXXX XXXX XXXX Loan | Account XXXX XXXXXXXX Dear XXXX XXXX XXXX XXXX, I am writing to urgently request resolution and compensation regarding a fraudulent XXXX  loan that was placed in my name by XXXX dealership on XXXX XXXX XXXX, XXXX, GA, in XXXX. The vehicle involved is a XXXX XXXX XXXX, and the XXXX account number associated with this matter is XXXX XXXXXXXX. 

My signature was forged on the finance documents. I reported the issue in XXXX, and despite repeated follow-up, the case remains unresolved. I have been told the case was closed, then reopened, and most recently transferred to another department. More than XXXX  days have passed since the investigation beganwell beyond the XXXX timeframe I was initially promised. 

This delay has placed a significant burden on me and my family. Due to this unresolved situation : I paid {$3000.00} out-of-pocket for my mother-in-laws funeral in XX/XX/XXXX. 
Ive spent over {$1500.00} on XXXX rides to get to work, transport my children to school, and care for my mother, who XXXX XXXX XXXX XXXX 
I lost a XXXX  paying $ XXXX after just XXXX days due to lack of transportation. 
This has XXXX  my credit and personal reputation. Its affecting my ability to secure employment and financial stability. The continued delays have also XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive experienced XXXX XXXX XXXX XXXX XXXX XXXX XXXX during a time XXXX already XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting the following : XXXX resolution and closure of this fraud case. 
Removal of the fraudulent XXXXaccount from my credit report. 
Reimbursement of {$4500.00} in documented expenses. 
Additional compensation for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Ongoing written updates until this matter is fully resolved. 
Please contact me promptly at XXXX or XXXX to confirm receipt and provide an update. I am prepared to escalate this to the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General, and legal counsel if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS XXXX  ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY XXXX  MY CREDIT PROFILE. THIS ACCOUNT WAS XXXX XXXX XXXX  AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I.C. Systems INC is reporting a debt of {$590.00} to my credit report without any communication of notice of the debt and no notice of my right to dispute the debt. I sent a letter to them requesting for a validation of the debt but no response have been received from IC Systems.

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 2025-07-01 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX  and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have disputed these items directly with the credit bureaus and/or data furnishers and have not received any proper documentation to verify the debt, such as signed contracts or complete billing history. Per the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX ( a ), I am entitled to a thorough investigation and full proof of accuracy. 

XXXX charge-off with {$0.00} balance and XXXX  sold to another lender XXXX  accounts marked dispute resolved without proof, violating XXXX XXXX and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
Please remove the following Fraudulent XXXX  inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable XXXX  to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: 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 Services , 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 following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 2025-07-01 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: OH

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX  XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2025-07-01 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: OH

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX  XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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