vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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:
I am writing to file a formal complaint concerning an unauthorized credit inquiry that was made on my credit report without my knowledge or consent. This inquiry negatively impacts my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Dispute this Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2024 I did not authorize this company to perform a hard inquiry to my credit report. I have made multiple attempts to Transunion, Equifax and Experian to remove, and nothing has been done. 
I have not applied for any loan service from this entity. 

I respectfully request that the Consumer Financial Protection Bureau to : 1. Investigate this matter in accordance with the FCRA 2. Require the company to provide proof of my authorization for the credit inquiry 3. If not other authorization exists, request the company immediately remove the inquiry from all affected credit bureaus 4. Take any other appropriate regulatory action to prevent further abuse of consumer credit information. 
Thank you for your attention to this matter. I trust that the CFPB will help ensure my rights as a consumer are protected. 


I did not authorize this company to perform a hard inquiry to my credit report. I have made multiple attempts to Transunion, Equifax and Experian to remove, and nothing has been done. 
I have not applied for any loan service from this entity. 

I respectfully request that the Consumer Financial Protection Bureau to : 1. Investigate this matter in accordance with the FCRA 2. Require the company to provide proof of my authorization for the credit inquiry 3. If not other authorization exists, request the company immediately remove the inquiry from all affected credit bureaus 4. Take any other appropriate regulatory action to prevent further abuse of consumer credit information. 
Thank you for your attention to this matter. I trust that the CFPB will help ensure my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am disputing a XXXX XXXX account that was placed on my credit report in XX/XX/year> for the amount of {$2700.00}. I do not recognize this debt and have not received any prior notice, billing, or verification from XXXX regarding this account. I believe this account XXXX have been fraudulently opened, incorrectly billed, or reported in error. 

I have attempted to contact XXXX XXXX to resolve this matter, but I have not received any sufficient documentation or response to verify the validity of the debt. This account is negatively impacting my credit, and I am requesting that XXXX XXXX immediately investigate and provide full documentation validating this debt, including signed agreements, itemized billing, and account activity. 

If they can not verify the debt with original documents, I am requesting that this account be deleted from my credit reports with all three credit bureaus ( Experian, Equifax, and TransUnion ) and closed permanently.

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: NC

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 XXXX XXXX

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 2025-07-30 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: PA

Complaint narrative:
I did not authozie or open this credit card. I believe this credit card is the result of identity theft from the XXXX  breach.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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.

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

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 XXXX 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 explanation
Consumer complaint received 2025-07-30 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:
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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
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 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercury Financial Intermediate LLC
State: MA

Complaint narrative:
today XX/XX/XXXX, I called XXXX collections twice both times hung up on when I would not provide my payment information, and was told when I called to set up a arrangement by letter a presale letter telling me I could pay XXXX a month for 18 months and also they would take XXXX percent off my balance, when I called they said they didn't see the offer, but have the offer for XXXX dollars for XXXX XXXX, I said yes if you send me a letter, the rep said I will but you have to pay me first, this is a debt collector I don't trust them I said I'll wait till I get the letter, hung up on me, the balance is XXXX, with the offer they would be reducing it down to XXXX dollars

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed multiple inaccurate or unverifiable accounts with XXXX  including Affirm late marks, XXXX  XXXX late payments, Credit XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, and XXXX collection. No proof of billing statements or validation has been provided. Items remain on my file in violation of FCRA 611 and 623. I request full reinvestigation and deletion of any unverifiable accounts within the required 30 day period.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and 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 reported to be removed/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 XXXX XXXX before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
In the second month of my month-to-month gym membership with XXXX XXXX, I went in person to cancel my contract by filling out the cancellation form, the same day as my spouse. His cancellation was properly recorded, but mine was not, due to an internal error by the gym. Now Aldous XXXX XXXX is attempting to collect {$180.00}, which is inaccurate. 

According to my contract, I should only owe {$97.00}, which includes the second month ( {$43.00} ) and the annual fee ( {$54.00} ). I sent Aldous XXXX XXXX a formal written dispute and a pay-for-delete offer, along with : My signed contract A breakdown of charges A sworn statement from my spouse confirming the cancellation A request for debt validation They never responded to my letter. They have not validated the debt, have not corrected the balance, and have not acknowledged the documentation provided. I am requesting that this inaccurate collection be removed from my credit report and that all further collection activity cease until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX and XXXX also, XXXX XXXX, XXXX continue reporting old debt past the statute of limitations to my credit report. This debt went delinquent on XX/XX/year>, and was completely charged off by the original creditor on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
On XX/XX/year>, Experian received my certified dispute package, which included a copy of my government-issued ID, Social Security XXXX XXXX and a formal demand to delete multiple accounts tied to incorrect personal information. Specifically, my Experian credit report listed the wrong last XXXX digits of my Social Security number ( XXXX instead of XXXX ) and an unfamiliar phone number ( XXXX ), both of which do not belong to me. 

This is a serious violation of the Fair Credit Reporting Act ( FCRA ) XXXX regarding identity theft procedures. Reporting accounts under a false Social Security number invalidates the legitimacy of those accounts and exposes Experian to legal liability for negligent enablement of identity theft. 

I disputed the following accounts, which remain on my file and were never properly validated or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite mailing full documentation, Experian never mailed a formal response within the required XXXX window. I only received vague emails and partial digital replies. These accounts were not properly verified, and Experian failed to take corrective action within the legal timeframe. This willful noncompliance violates my rights under federal law. 

I now request immediate action through the CFPB to investigate Experians negligence and force full deletion of the above-listed accounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise credit service debt collector sharing my information without my consent, to the credit bureaus XXXX XXXX XXXX sharing my information without my consent and XXXX XXXX XXXX XXXX also sharing my personal information with out my consent causing harm and defaming my trade mark name.

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 — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX debt collector sharing my information without my consent, to the credit bureaus Jefferson Capital system sharing my information without my consent and XXXX XXXX XXXX XXXX also sharing my personal information with out my consent causing harm and defaming my trade mark name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I Spoke to Customer Service at the claim Department from Bank America, THE Beginning of XX/XX/year>, Requesting a Copy of all Bank Statements, I provided my new Residence Address ensuring I will receive the mail to New address but I HAVEN'T received anything, Is now The end of XXXX, Main reason I requested all statements, I am trying to file dispute for all missing payments I did not receive which is {$25000.00} XXXX dollars. 

Payments were sent from XXXX TO BANK America, I am a VICTIM OF IDENTITY STOLEN PAYMENTS WERE SENT TO OTHER ADDRESS when XXXX started I did not received no debit card,

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. 
Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ).

In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief