vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: MS

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. The fraudulent hard inquiries are : Unauthorized Inquiry ( s ) : XXXX XXXX XXXXXX/XX/year> Unauthorized Inquiry ( s ) : XXXX XXXX - XX/XX/year> Unauthorized Inquiry ( s ) : XXXX - XX/XX/year> Unauthorized Inquiry ( s ) : XXXX - XXXX - XX/XX/year> Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$11000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
when representative called my phone pretending to be from attorney office, telling me of the alleged debt which I had no collection of. XXXX, XXXX also the collection agency. I spoke to the representative asking for a debt validation in detail.

1.Proof of ownership and authorization 2.The original signed agreement/contract that created this debt.

3.Chain of custody or assignment providing they have legal right to collect on this account.

4.The name and address of original creditor.

5.Accounting breakdown. Full itemized breakdown of how the total debt amount was calculated ( principal, interest, fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$7400.00} XXXX  # XXXX XX/XX/XXXX -- {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
I was scammed into believing a child employee was on the phone with me and they gave me a client ID number and said that they were taking my money and needing me to transfer it for a distribution into a new account. My husband is XXXX  and has XXXX XXXX XXXX XXXX XXXX this was all the money we have. And I know we've missed to medical appointment there's no gas please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: World Acceptance Corporation
State: TX

Complaint narrative:
World XXXX  Corporation- Statute of Limitations with Texas laws XXXX XXXX called to settle/dispute, they are unaware of me having a account with a balance owed XXXX XXXX XXXXXXXX XXXX reported inaccurate information with how much I owed Im asking for all to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My XXXX credit card is not being reported to TRANSUNION it was wiped off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NY

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 XXXX XXXX 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 explanation
Consumer complaint received 2025-06-08 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date Opened 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 2025-06-08 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 am submitting this complaint to report unauthorized and duplicate hard inquiries on my credit file from the following companies : XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not authorize these inquiries. The only inquiry I approved was XXXX XXXX XXXX XX/XX/XXXX. These multiple unauthorized pulls are damaging my credit score. I submitted identity theft reports under FCRA Section 605B to all three credit bureaus and am requesting the CFPB to help enforce removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: OH

Complaint narrative:
I am writing pursuant to 15 U.S. Code 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft and am requesting that you block and remove all information related to the fraudulent account reported by XXXX XXXX XXXX ( XXXX ) from my credit report. 
This account is currently being reported on my credit file by both XXXX  and TransUnion. I did not authorize or co-sign for this account, and I did not benefit from the services or funds issued. I am exercising my rights under Section 605B to have this fraudulent item removed. 
Account Information : - Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Closed, showing on my credit report as a delinquent/negative account - Dispute Basis : Identity theft I did not authorize or co-sign for this account Enclosed are the documents required under Section 605B : 1. A copy of my government-issued ID Page 1 2. A utility bill or other proof of address 3. A copy of my FTC Identity Theft Report 4. A signed statement attesting that this account is a result of identity theft and was not opened or authorized by me Under the FCRA Section 605B, credit bu

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my credit file related to the following account : Creditor Name : [ Insert Creditor Name ] Account Number : [ Insert Account Number ] Credit Reporting Agencies Affected : [ XXXX  / XXXX  / XXXX  ] I am invoking my rights under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, which mandates that creditors must provide a reasonable time for consumers to make payments before reporting them as late. This statute generally requires that payments must not be considered late if received within 21 days of the statement being mailed or delivered. 

Upon reviewing my records, I believe these reported late payments are inaccurate or were not properly validated in accordance with the timelines and requirements set forth by federal law. Therefore, I am formally requesting that these late payment entries be immediately removed from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I also request that you conduct a proper investigation into this matter. If you are unable to verify the accuracy of the information, it must be deleted promptly from my credit profile. 

Please provide written confirmation that these late payments have been removed. If the information is not corrected within the time required by law, I am prepared to escalate this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states attorney general. 

Sincerely, [ Your Full Name ] [ Your Signature ] ( if mailing ) [ Social Security Number or Last 4 Digits : XXXX ] [ Date of Birth ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
b"There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.\n\nFRAUDULENT ACCOUNTS:\n\n XXXX XXXX   Account number: XXXX XXXXDate Opened: XXXX XXXX XXXX  Account number: XXXX XXXXDate Opened: XXXX\n\nUNAUTHORIZED INQUIRIES:\n\n 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 2025-06-08 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my credit file related to the following account : Creditor Name : [ Insert Creditor Name ] Account Number : [ Insert Account Number ] Credit Reporting Agencies Affected : [ XXXX  / XXXX  / XXXX  ] I am invoking my rights under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, which mandates that creditors must provide a reasonable time for consumers to make payments before reporting them as late. This statute generally requires that payments must not be considered late if received within 21 days of the statement being mailed or delivered. 

Upon reviewing my records, I believe these reported late payments are inaccurate or were not properly validated in accordance with the timelines and requirements set forth by federal law. Therefore, I am formally requesting that these late payment entries be immediately removed from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I also request that you conduct a proper investigation into this matter. If you are unable to verify the accuracy of the information, it must be deleted promptly from my credit profile. 

Please provide written confirmation that these late payments have been removed. If the information is not corrected within the time required by law, I am prepared to escalate this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states attorney general. 

Sincerely, [ Your Full Name ] [ Your Signature ] ( if mailing ) [ Social Security Number or Last XXXX Digits : XXXX ] [ Date of Birth ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am requesting the removal of an inaccurately reported bankruptcy from my credit file. The bankruptcy in question was voluntarily dismissed and never adjudicatedmeaning no discharge, repayment plan, or determination of liability ever occurred. Despite this, the credit bureaus ( XXXX, XXXX, TransUnion ) and XXXX continue to report it as a derogatory public record, relying solely on PACERs case listing without context. 
This violates the Fair Credit Reporting Act ( FCRA ) on several fronts : FCRA 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting a dismissed, non-adjudicated bankruptcy implies I was found insolvent or received debt relief, which is factually incorrect and misleading. 

FCRA 1681i ( a ) ( 1 ) ( A ) Upon dispute, furnishers must conduct a reasonable reinvestigation. In my case, the disputes were dismissed with a boilerplate response referencing PACER but failed to assess the actual disposition and legal significance of the case ( i.e., that it was dismissed without adjudication ).

FCRA 1681c ( a ) ( 1 ) Even if reportable, a dismissed bankruptcy must fall within a 10-year window from the date of dismissal, not the filing date. Further, the context of the dismissal matters for accuracy and fairness.

CFPB Bulletin XXXX Reinforces that CRAs must not blindly rely on third-party data ( e.g., PACER ) without verifying accuracy and completeness. 

This reporting has negatively affected my credit score and ability to obtain credit, misrepresenting my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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 am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent.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 Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance {$4400.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation