vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion

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 2025-07-18 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: WA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

FRAUDULENT ACCOUNTS : Account Name : 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 2025-07-18 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: NJ

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous unauthorized credit inquiries that have appeared on my credit report TransUnion. I am the victim of identity theft, and I am requesting immediate investigation and action under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
I recently reviewed my credit reports and found several hard inquiries that I did not authorize. These inquiries were made by financial institutions and companies with which I have no current or prior relationship. I have reason to believe that these inquiries are a direct result of identity theft. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with 15 U.S.C. 1681c-2, I have filed an identity theft report, which includes a formal complaint and supporting documentation, such as a police report or an FTC Identity Theft Report. Under this statute, credit reporting agencies are required to block any information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. 
The following legal provisions have been violated in relation to these unauthorized credit inquiries : 15 U.S.C. 1681b ( c ) Permissible Purpose : Credit inquiries must be made only with the consumers authorization or for a legitimate business purpose. These inquiries were made without my knowledge or consent.

15 U.S.C. 1681c-1 ( a ) ( 2 ) Fraud Alerts : I have placed a fraud alert on my credit file, and creditors must take reasonable steps to verify identity before extending credit. These inquiries indicate a failure to comply.

15 U.S.C. 1681c-2 Blocking of information resulting from identity theft : The credit reporting agencies have failed to block or investigate the unauthorized inquiries despite being informed of the theft.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to reinvestigate : The credit bureaus are obligated to conduct a reinvestigation upon notice of a dispute, which they have failed to do regarding these 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 non-monetary relief
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXXXXXX 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 of 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 2025-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I have submitted several requests for Public Service Loan Forgiveness ( PSLF ) Buy Back since XX/XX/XXXXXXXX  and have not yet received a buy back agreement from the Federal Student Aid ( FSA ). 

I met my 120 months of qualifying employment in XX/XX/XXXX. That month I submitted a buy back request. I didnt hear back so in XX/XX/XXXXXXXX  I submitted another buyback request. I submitted another request in XX/XX/XXXX because I still have not heard back. 

The federal government announced that people on SAVE forbearance will start accruing interest XX/XX/XXXX and I am urgently need my buy back request to process so that I can pay the months I want to buy back and have my loans forgiven. 

As of XX/XX/XXXXXXXX XXXX XXXX 124 months of qualified employment certified on the FSA website. I have requested a PSLF buy back for the following months because I was forced into SAVE forbearance by the federal government and even though I have certified and qualified employment, I have not been allowed to make monthly payments to count towards PSLF forgiveness : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These months appear as ineligible in the portal. My current progress shows 113/120 payments made. I am missing those 7 months listed to meet my 120 qualified payments. SAVE forbearance began in XX/XX/XXXXXXXX  and continues to present day. I am requesting that FSA send me a PSLF buy back agreement for payment for the missing 7 months that I have been on forbearance but have qualified employment. 

I understand that many people are waiting but it is inexcusable that many of us are stuck being forced to wait while weve met our end of the bargain of working in public service for 10 years. 

This ma

tter is urgent to me, please help me escalate my case with FSA. PSLF b
uy back case # XXXX ( submitted XX/XX/XXXX ) XXXX ( submitted XX/XX/XXXX ) XXXX ( submitted XX/XX/XXXX )

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: CO

Complaint narrative:
I ordered an XXXX on XX/XX/year>. The cost of the XXXX was $ XXXX cancelled the XXXX. The XXXX charged me {$6.00} XXXX cents because of the cancellation. I disputed that charge and The {$6.00} is XXXX cents that I was charged for canceling the XXXX was refunded back to the original payment XXXX. Leaving a balance of {$16.00} Needing to be put back on to my card. {$21.00} remained still remains pending on the payment method. I contacted both the merchant and the actual agency both of which told me that the hold was On account of the other. Meanwhile I provided did each of Them with the correspondence that I had received showing that the XXXX XXXX says Cash App is holding the remaining XXXX And XXXX the correspondents showing that cash app says XXXX is holding the remaining XXXX. With no resolve. Cash app have denied the claim for {$6.00} even though that is not my issue that I disputed. We're extremely rude to me and extremely Unhelpful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ). 

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-07-18 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:
b"Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act (FCRA) Section 605b, I have reported the incident to the Federal Trade Commission (FTC) through their website at XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B (a), Credit Reporting Agencies are required to investigate any information in the consumer's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to urgently request a supervisor-level appeal regarding the {$26.00} charge from " XXXX XXXX XXXX XXXX XXXX '' on XX/XX/XXXX, XXXX ( Card ending in XXXX ). 

There are key facts and documented evidence that were overlooked in the original investigation and demonstrate that I was subject to coercive sales tactics and denied service unless I paid for unwanted insurance. 

XXXX. Insurance Clearly Marked as Optional XXXX XXXX XXXX XXXX XXXX counter, there is clearly posted signage stating that all insurance options, including XXXX, are optional. I have attached a photo taken on-site showing this exact sign titled Optional Services Description. 
Despite this, the staff told me that they would not release the vehicle keys unless I paid for their XXXX insurance, even though I informed them I had valid coverage. 

XXXX. Comparison with XXXX No Forced Insurance During the same trip, I rented from XXXX at the same airport. XXXX allowed me to decline insurance without issue and handed over the keys. This proves that forced insurance is not required by law, by airport rules, or by industry norms this was purely a case of XXXX XXXX XXXX XXXXmposing unfair conditions. 

XXXX. Photo Proof Attached Please see the attached image of the signage at XXXX XXXX  counter, which clearly shows that insurance options are Optional Services. 
This photo is dated XX/XX/XXXX, XXXX and directly contradicts XXXX  claim that the insurance was required.

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 monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am writing to formally dispute a series of unauthorized soft inquiries and promotional inquiries that currently appear on my consumer credit report. These inquiries were not authorized by me, nor do they serve any valid purpose under the Fair Credit Reporting Act ( FCRA ) .I hereby demand the immediate deletion of these inquiries unless you can provide, in writing, documented evidence showing that each of these companies had a valid and legal permissible purpose under the FCRA.FCRA Legal Basis : Under the FCRA , 15 U.S.C XXXX XXXX ( a ), a consumer reporting agency may only furnish consumer report information for specific permissible purposes, such as : - A transaction initiated by the consumer - Employment purposes ( with the consumer 's written consent ) - Pre-screened firm offers of credit or insurance ( * Note : I have opted out of all pre-screened offers under the FCRA opt-out provision, so this does not apply to me. * ) Additionally : - 15 U.S.C. XXXX ( f ) strictly prohibits any person or entity from obtaining a consumer report without a permissible purpose.- 15 U.S.C. XXXX ( a ) requires consumer reporting agencies to maintain reasonable procedures to assure that inquiries are made only for permissible purposes.List of Disputed Inquiries Is included in another document enclosedWhat I Am Requesting : Under 15 U.S.C. XXXXi, you are required to investigate all disputed information. I am requesting:XXXX. Immediate removal of these inquiries from my credit file unless you provide written proof of a valid permissible purpose for each one.XXXX. A written response with the results of your investigation within XXXX days, as required by the FCRA.Failure to comply may result in legal action under : - 15 U.S.C. XXXXn Willful noncompliance ( statutory and punitive damages, plus legal fees ) - 15 U.S.C. XXXXo Negligent noncompliance ( actual damages, plus legal fees )

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 2025-07-18 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 am writing to formally dispute a series of unauthorized soft inquiries and promotional inquiries that currently appear on my consumer credit report. These inquiries were not authorized by me, nor do they serve any valid purpose under the Fair Credit Reporting Act ( FCRA ) .I hereby demand the immediate deletion of these inquiries unless you can provide, in writing, documented evidence showing that each of these companies had a valid and legal permissible purpose under the FCRA.FCRA Legal Basis : Under the FCRA , 15 U.S.C XXXX XXXX ( a ), a consumer reporting agency may only furnish consumer report information for specific permissible purposes, such as : - A transaction initiated by the consumer - Employment purposes ( with the consumer 's written consent ) - Pre-screened firm offers of credit or insurance ( * Note : I have opted out of all pre-screened offers under the FCRA opt-out provision, so this does not apply to me. * ) Additionally : - 15 U.S.C. XXXX ( f ) strictly prohibits any person or entity from obtaining a consumer report without a permissible purpose.- 15 U.S.C. XXXX ( a ) requires consumer reporting agencies to maintain reasonable procedures to assure that inquiries are made only for permissible purposes.List of Disputed Inquiries Is included in another document enclosedWhat I Am Requesting : Under 15 U.S.C. XXXXi, you are required to investigate all disputed information. I am requesting:XXXX. Immediate removal of these inquiries from my credit file unless you provide written proof of a valid permissible purpose for each one.XXXX. A written response with the results of your investigation within XXXX days, as required by the FCRA.Failure to comply may result in legal action under : - 15 U.S.C. XXXXn Willful noncompliance ( statutory and punitive damages, plus legal fees ) - 15 U.S.C. XXXXo Negligent noncompliance ( actual damages, plus legal fees )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
I reviewed my credit report like I normally do, but this time I noticed some unexpected discrepancies. I refreshed the browser to see if it was just a temporary glitch, but the incorrect accounts were still there. Due to this, Im asking that the documents I submitted be reviewed carefully so I no longer have to deal with this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland has clearly sold this account to XXXX XXXX XXXX and is still reporting it under as theirs still.

This must be deleted because it is showing twice on my report. At first glance it appears to be 2 different accounts, but that is not the case. XXXX XXXX  credit cards are run by XXXX XXXXXXXX XXXX SO it is the same account. 

I will be reporting this to my State Attorney Generals office, and I will seek legal remedies for damages caused by inaccurate reporting.

Company response to consumer: Closed with explanation