vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/scrub>/2024 XXXX XXXX/XXXX/2024

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB, I would like to file a complaint regarding a sudden and unexplained drop in my XXXX XXXX reported by Transunion. 

As of yesterday, my XXXX XXXX was XXXX or XXXX however, today it dropped by XXXX points without any warning or clear reason. I have not had any late payments, Collections or other negative activity on my credit report that would justify such a drastic change. My credit accounts are in good standing and closely monitor my credit. 
I am deeply concerned about this issue and would like a detailed explanation from Transunion regarding the cause of this drop. This change could have serious implication for my financial health and access to credit. 
Please Investigate this matter and help ensure that my credit report reflects accurate and fair credit score information. 

Thank you for your assistance.

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 2025-05-21 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account listed on my credit report. This account is both reporting the same debt with an outstanding balance, which is not possible, and constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Specifically : Two separate entities are claiming ownership of the same debt.

This indicates a failure to properly verify and validate the information that has been provided to you by the data furnishers.

Reporting duplicate accounts for a single debt is inaccurate, misleading, and unlawful under FCRA Section 609 and 611.

Therefore, I am requesting that you immediately delete the account from my credit report due to the failure to meet verification standards and their duplicative nature Account : XXXX. 
XXXX XXXX XXXX  Once these deletions have been completed, please send me an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX  ; NY, XXXX Last 4 digits of SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I was looking at my credit report and noticed there were hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES
State: NJ

Complaint narrative:
This complaint is against Zwicker & Associates and XXXX Bank. This complaint should not be considered a duplicate as to prior related complaints but with now fraudulent and malicious information being used and deliberately denying my consumer rights to dispute a claim in a timely manner. Ive tried to file this complaint but having issues with the site. I will attach my complaint to pics. In recent documents received from Zwicker & Associates containing monthly billing statements from XX/XX/XXXX to XX/XX/XXXX. XXXX bank, in a previous complaint filed on XX/XX/XXXX and just.recently responded on XX/XX/XXXX manufactured evidence to a document dates XX/XX/XXXX as to this debt and customer assistance program and taken several weeks to respond, but Zwicker & associates never included this supposedly very important document in there limited debt verification. Zwicker & Associates did not send the demand debt verification documents I requested in letter sent and received by Zwicker & Associates as well as XXXX along with cease and desist letter. This excuse XXXX is providing to the complaint filed against them on XX/XX/XXXX and now on XX/XX/XXXX is providing a lengthy excuse with a document dated XX/XX/XXXX and reference this as a during a routine maintenance of my account, I may not have received this condition of agreement that was in place earlier in XX/XX/XXXX. Again, why didnt Zwicker & Associates XXXX this evidence in their paperwork of documents. Because it never existed and this now manufactured evidence by XXXX bank will be used in court as evidence if necessary. Zwicker & associates have denied my legal rights as a consumer to legally dispute any inaccurate claims or information on my credit report or claims of alleged debt. There has been and still open to date, a dispute of this alleged debt with XXXX but Zwicker & Associates have denied my timely dispute thats still in process by fraudulently filing a civil lawsuit which I received on XX/XX/XXXX and I answered this complaint on XX/XX/XXXX directly to the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is in violation of Section 392.101 of The Texas Finance Code for attempting to collect debt in the state of Texas without a XXXX XXXX file with the Secretary of State. In addition, XXXX XXXX is attempting to collect {$5100.00} for the account ending in XXXX which is incorrect. Because XXXX took a payment or sold the account to XXXX XXXX for lesser value the account balance is incorrect and a violation under Section 807 ( 2 ) ( A ) of the FDCPA

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 2025-05-21 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: IN

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
I am a 100 percent permanent and totally XXXX XXXX XXXX veteran filing a complaint against Exeter Finance for a predatory auto loan with a 30 % interest rate. The original loan amount was approximately {$24000.00}, but the total repayment is estimated at over XXXX XXXXmore than double the value of the vehicle. I purchased the vehicle on XX/XX/2024. 

This loan structure is abusive, especially targeting individuals with lower credit and veterans. 

I request an investigation into Exeter Finances lending practices and seek modification, forgiveness, or a pathway to refinance without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am submitting this complaint to dispute unauthorized hard inquiries listed on my credit report. I did not initiate any applications or authorize these entities to access my credit file.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, only parties with a permissible purpose and explicit consumer consent are allowed to perform a hard credit inquiry. These inquiries occurred without my knowledge or approval, and I believe they were made in error or fraudulently.

I am requesting the Consumer Financial Protection Bureau to investigate this matter and ensure these unauthorized inquiries are removed from my credit reports by the appropriate credit reporting agencies. For these inaccuracies and unauthorized accounts/information being reported have been detrimental to my life and credit health. 

These accounts being : 1. XXXX XXXXXXXX XXXX : XX/XX/XXXX & XX/XX/year>2024 2. XXXX XXXX  : XX/XX/year>2024 3. XXXX XXXX : XX/XX/XXXX & XX/XX/year>2024 4. XXXX XXXX  : XX/XX/year>2024 5. XXXXXXXX XXXX : XX/XX/scrub> 2024 6. XXXXXXXX XXXX : XX/XX/XXXX & XX/XX/year>2024 7. XXXX XXXX : XX/XX/scrub> 2024 2024

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 2025-05-21 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: CA

Complaint narrative:
I am submitting this complaint to dispute unauthorized hard inquiries listed on my credit report. I did not initiate any applications or authorize these entities to access my credit file.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, only parties with a permissible purpose and explicit consumer consent are allowed to perform a hard credit inquiry. These inquiries occurred without my knowledge or approval, and I believe they were made in error or fraudulently.

I am requesting the Consumer Financial Protection Bureau to investigate this matter and ensure these unauthorized inquiries are removed from my credit reports by the appropriate credit reporting agencies. For these inaccuracies and unauthorized accounts/information being reported have been detrimental to my life and credit health. 

These accounts being : 1. XXXX XXXXXXXX XXXX : XX/XX/XXXX & XX/XX/year>2024 2. XXXX XXXX  : XX/XX/year>2024 3. XXXX XXXX : XX/XX/XXXX & XX/XX/year>2024 4. XXXX XXXX  : XX/XX/year>2024 5. XXXXXXXX XXXX : XX/XX/scrub> 2024 6. XXXXXXXX XXXX : XX/XX/XXXX & XX/XX/year>2024 7. XXXX XXXX : XX/XX/scrub> 2024 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-21 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-21 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: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-21 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Equifax for its continued reporting of a fraudulent XXXX XXXX XXXX  credit card account on my credit report, despite my submission of valid identity theft documentation and repeated disputes. 

The account in question was charged off in XX/XX/year> and is currently being reported as closed and over XXXX days delinquent, which is materially damaging my credit profile. 

I have never opened this account. I am a victim of identity theft, and I have submitted the following documentation to Equifax on multiple occasions : A completed FTC Identity Theft Report A written statement explaining the fraudulent nature of the account A copy of my government-issued ID Proof of residency Despite complying with the requirements outlined under Section 605B of the Fair Credit Reporting Act ( FCRA ), Equifax has failed to remove this account and continues to report it as verified. This is both negligent and unlawful. 

Legal Violations : I believe Equifax is in violation of the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failing to conduct a reasonable reinvestigation upon receiving notice of a dispute.

15 U.S.C. 1681c-2 ( a ) Failing to block fraudulent information within four business days after receiving proper identity theft documentation.

15 U.S.C. 1681e ( b ) Failing to ensure the maximum possible accuracy of the information being reported.

15 U.S.C. 1681n & 1681o Engaging in willful or negligent noncompliance with the FCRA, entitling me to actual damages, punitive damages, attorneys fees, and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery Associates has been calling me daily, sometimes multiple times a day, from different phone numbers. This includes weekends and holidays. I have not authorized these calls, and I believe they are excessive and harassing in violation of the Fair Debt Collection Practices Act. 

I have not received proper written verification of the debt and am concerned it may not be valid. I have screenshots showing daily and repeated calls from numbers associated with Portfolio Recovery, including : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, and others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. XXXX payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$2300.00XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$24000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$93.00} XXXX # XXXX XX/XX/XXXX -- {$460.00} UNAUTHORIZED INQUIRIES : 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 explanation