vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Removal of Unauthorized Hard Inquiries from My Credit Report To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, a resident of the XXXX XXXX XXXX. I am submitting this formal complaint regarding several unauthorized hard inquiries that appear on my credit reports from Experian, Equifax, and TransUnion, dated XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically under Section 604 ( 15 U.S.C. 1681b ), a company must obtain my explicit written or verbal permission before accessing my credit file for lending or financing purposes. I have not authorized any of the following inquiries listed below, nor have I initiated any related credit applications. 



Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : 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 I respectfully request that these inquiries be investigated and that documented evidence of my authorization be provided. If such evidence can not be produced, I request the immediate removal of these inquiries from my credit reports in compliance with the law. 

Please find attached the annotated copies of my credit reports where I have marked the disputed inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed that there is a fraud account from XXXX XXXX, which does not belong to me. I reported about that to XXXX XXXX  yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft, and I have filed a valid police report. 
According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX  has refused to do this. 
The following is the fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Date opened XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: OR

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing credit inquiries being reported. Experian is sending me an email with the results of the dispute but the link does not work. I tried to call them and its impossible to reach a live person to figure this out. The inaccurate information on my credit report has created harm to my personal finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Received call from " Chase '' XXXX stating that someone in XXXX XXXX applied for a card with my name and social security number. They had my first name, first XXXX of my ss # and my zip code. Person said he would transfer me to " security '' ; the " security '' person asked me to verify my address- I said no. Asked me to verify my exact date of birth - I said no. He did however have my year of birth. They said I could be provided with " XXXX XXXX '' with no cost to me. That's when I realized it was probably a scam. 
Both individuals sounded like they were at call centers ( a lot of chatter in the background ) and both had an XXXX accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: DC

Complaint narrative:
I pay a company to monitor my credit. I received an alert back in XXXX that I had an account in collections for Eastern Account Services for XXXX. I was told to reach out, which I did and the representatives barely speak XXXX and keep giving me the run around when trying to fill out there paperwork. I would like to try to purchase a home and this is really a huge block in the road for me. I have been in a relationship since XXXX with the same person and have never opened a cable account. My husband has always had that service in his and with XXXX. So please I would just like some genuine guidance on how I can rectify this issue. The account is in the amount of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
Request for Reinvestigation of All Negative Accounts XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern, This is a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), for a full reinvestigation of the following accounts that appear on my consumer report. I believe these accounts are reporting inaccurately and require immediate reinvestigation and verification. 

Please reinvestigate the following negative accounts : - XXXX XXXX XXXX ( Account # : XXXX ) - XXXX XXXX XXXX  ( Account # : XXXX ) - XXXX XXXX XXXX XXXX ( XXXX ) ( Account # : XXXX ) - XXXX XXXX XXXX XXXX ( XXXX XXXX  ) ( Account # : XXXX ) - FAIR COLLECTIONS & OUT ( Account # : XXXX ) - XXXX XXXXXXXX XXXX ( Account # : XXXX ) - XXXX  ( Account # : XXXX ) - XXXX XXXX XXXX XXXX ( Account # : XXXX ) - XXXX XXXX XXXX  XXXX Account # : XXXX ) - XXXX XXXX XXXX Account # : XXXX ) - XXXX  XXXX XXXX  ( Account # : XXXX ) - XXXX/XXXX  ( Account # : XXXX ) - XXXX XXXX  XXXX ( Account XXXX XXXX XXXX ) - XXXX XXXX XXXX ( Account XXXX XXXX Multiple Accounts ) - XXXX XXXX  ( Account XXXX XXXX XXXX ) - XXXX  XXXX  XXXX ( Account # : XXXX ) I request a reinvestigation into the accuracy and completeness of the reporting of each of these accounts. If any of these items can not be verified within the timeframe prescribed by law, they must be promptly deleted from my credit report. 
Please send me the results of your reinvestigation in writing, along with an updated copy of my credit report. This request is submitted in good faith pursuant to my rights under the FCRA. Failure to respond or properly investigate may result in legal action. 
Sincerely, XXXX XXXX XXXX, I am requesting that you send me copies of all documentation, records, or communications you used to verify the accuracy of each account listed above. This includes any correspondence from the furnisher, original account-level documentation, or internal investigation notes. This request is made pursuant to my rights under the Fair Credit Reporting Act to understand the basis of any verification made on disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
Request for Reinvestigation of All Negative Accounts XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern, This is a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), for a full reinvestigation of the following accounts that appear on my consumer report. I believe these accounts are reporting inaccurately and require immediate reinvestigation and verification. 

Please reinvestigate the following negative accounts : - XXXX XXXX XXXX ( Account # : XXXX ) - XXXX XXXX XXXX  ( Account # : XXXX ) - XXXX XXXX XXXX XXXX ( XXXX ) ( Account # : XXXX ) - XXXX XXXX XXXX XXXX ( XXXX XXXX  ) ( Account # : XXXX ) - FAIR COLLECTIONS & OUT ( Account # : XXXX ) - XXXX XXXXXXXX XXXX ( Account # : XXXX ) - XXXX  ( Account # : XXXX ) - XXXX XXXX XXXX XXXX ( Account # : XXXX ) - XXXX XXXX XXXX  XXXX Account # : XXXX ) - XXXX XXXX XXXX Account # : XXXX ) - XXXX  XXXX XXXX  ( Account # : XXXX ) - XXXX/XXXX  ( Account # : XXXX ) - XXXX XXXX  XXXX ( Account XXXX XXXX XXXX ) - XXXX XXXX XXXX ( Account XXXX XXXX Multiple Accounts ) - XXXX XXXX  ( Account XXXX XXXX XXXX ) - XXXX  XXXX  XXXX ( Account # : XXXX ) I request a reinvestigation into the accuracy and completeness of the reporting of each of these accounts. If any of these items can not be verified within the timeframe prescribed by law, they must be promptly deleted from my credit report. 
Please send me the results of your reinvestigation in writing, along with an updated copy of my credit report. This request is submitted in good faith pursuant to my rights under the FCRA. Failure to respond or properly investigate may result in legal action. 
Sincerely, XXXX XXXX XXXX, I am requesting that you send me copies of all documentation, records, or communications you used to verify the accuracy of each account listed above. This includes any correspondence from the furnisher, original account-level documentation, or internal investigation notes. This request is made pursuant to my rights under the Fair Credit Reporting Act to understand the basis of any verification made on disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I had a credit card account with Capital One that became delinquent during a period of financial hardship related to medical and mental health struggles. I have since resolved the balance in full, but the account continues to report as a charge-off and is harming my credit. 

This tradeline no longer reflects any unpaid or outstanding obligation, yet it continues to report as derogatory. I am requesting its deletion under the Fair Credit Reporting Act ( FCRA ), particularly Sections 609 and 611, due to its outdated nature and disproportionate negative impact.

I have not been able to resolve this directly and am seeking CFPB assistance to ensure the account is either removed or updated appropriately to reflect its resolved status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC
State: ID

Complaint narrative:
I am submitting this complaint regarding the conduct of QC Holdings, doing business as LendNation, in connection to a title loan originally initiated on XX/XX/XXXX. The loan, which began at {$3000.00}, has been refinanced multiple times, and the company is now asserting a debt of {$9000.00} and I have already paid a total of {$12000.00}! 
I dispute the validity of this amount and the manner in which the account has been handled. 
I formally requested debt validation, and on XX/XX/XXXX, I received a packet from QC Holdings claiming to validate the debt. However, the documents included in the packet were incomplete and unclear. Most critically, they omitted the original loan agreement from XX/XX/XXXX. The packet included a series of blurry screenshots and repetitive refinance agreements, which only added confusion. This is not sufficient to meet the legal standard for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 
Furthermore, when I previously contacted LendNation by phone, representatives disclosed full account details-including balance, status, and documentation-without verifying anything beyond my name and phone number. No additional identity confirmation was performed. This is an unacceptable breach of my personal financial privacy and a potential violation of both the XXXX XXXX and XXXX state privacy laws XXXX 
I have issued a cease and desist request to the company, which they are currently honoring. 
However, I am requesting a formal investigation into this company 's handling of sensitive information, debt collection practices, and their failure to provide full and proper debt validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 2025-05-14 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:
I have not supplied proof under the dXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I have not supplied proof under the dXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief