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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding multiple unauthorized hard inquiries that currently appear on my TransUnion credit report. I did not authorize, initiate, or consent to these inquiries in any wayneither verbally, in writing, nor electronically. 
After contacting the creditors listed below, several of them confirmed that they could not produce any evidence that I submitted an application or provided consent. As such, these inquiries lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ) and must be removed. 
The unauthorized inquiries in question are : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I understand that TransUnion may rely on the EOSCAR system ( Electronic Online Solution for Complete and Accurate Reporting ) to process disputes. However, the CFPB has identified major limitations in EOSCAR, particularly where human review of documentation is necessary. Therefore, I am demanding a full manual reinvestigation, with actual verification based on primary documentssuch as signed applications or consent forms.

If TransUnion and the data furnishers can not provide this documentation, these inquiries are unverifiable and must be deleted in accordance with the law.

Legal Grounds Under the FCRA : 1.15 U.S.C. 1681b ( Section 604 ) Inquiries must have a permissible purpose, which these clearly do not.

2.15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) Requires deletion of unverifiable information.

3.15 U.S.C. 1681g ( Section 609 ) I am entitled to see proof of authorization ; if it cant be produced, the inquiry is invalid.

4.15 U.S.C. 1681s-2 ( Section 623 ) Furnishers are obligated to ensure that the data they report is accurate and lawfully obtained.

5.15 U.S.C. 1681c-1 ( Section 605A ) Protects consumers from unauthorized or fraudulent inquiries, including those resulting from identity misuse. 
Relevant Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Establishes that pulling a credit report without a legitimate purpose or consumer consent is a clear FCRA violation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Reinforces that inquiries must meet strict permissible purpose standards, and failure to do so is unlawful. 
I attempted to resolve this issue directly with TransUnion, but my efforts have not led to a satisfactory resolution. I respectfully request that the CFPB intervene to ensure a proper reinvestigation is conducted and that these unauthorized inquiries are permanently removed from my TransUnion 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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I speaking with a representative from ALDOUS AND ASSOCIATES. And i told him i was going through economic issues and wanted to pay a lower payment amount of my debt from XXXX XXXX. And he said they didnt so i told him i didnt have the money at the moment, that i will callback another time to settle my debt. And he had the audacity to tell me since I'm not willing to pay a debt i owe, that means i am willingly refusing to pay a debt i owe, and that there will be serious consequences.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XX/XX/year>, I submitted a formal dispute to Experian via certified mail, which included multiple inaccurate and unverifiable entries on my credit report. Along with the dispute, I provided full documentation : a notarized affidavit of identity, government-issued ID, Social Security card , and a utility billmeeting all requirements under the Fair Credit Reporting Act ( FCRA ). 

Instead of investigating the disputed accounts, Experian responded by placing a security or fraud alert on my credit file, despite the fact that I did not allege fraud or identity theft. They failed to provide any reinvestigation results, supporting documentation, or Method of Verification as required by FCRA 1681i. They also failed to complete the reinvestigation within the 30-day legal timeframe. 

Their misclassification of my dispute as a fraud-related matter appears to be a stalling tactic, and it has caused delays, misreporting, and possible harm to my credit access and consumer rights.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a forbearance plan in place from XX/XX/XXXX through XX/XX/XXXX until I paid the loan in full. The mortgage company reported me to the credit bureau for being 120 days late which is false information. Please have this removed 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 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over. 
Please advise and help me fix this, thank you

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Verification process for disputed accounts is inadequate. I have filed a claim with the CFPB regarding an account for which I have not received any information, documentation, or electronic communication regarding the debt. When disputed, they only respond that the claim is verified and updated according to FCRA rules. However, no updates are made, and the same issue occurs when the claim is disputed again. 
I have spent multiple weeks and hours per day attempting to obtain a phone number or email address, as the company operates under various names. The original creditor remains unknown, and no record of it has been reported to my credit report. The validity of the claim and the methods used for verification are highly unclear. 
Despite the matching social security number and date of birth, this does not constitute verification but likely accounts for the debts presence on my report. On XX/XX/year>, I finally spoke with a representative of XXXX ( formerly XXXX and XXXX ) who was unable to verify any amount of the debt or provide information about the original creditor. 
The automated systems inability to recognize any information or accounts associated with my social security number further exacerbates the problem. The credit reporting agency systems of the XXXX major agencies are in need of immediate attention. All information on my credit report from these agencies is inaccurate, containing incorrect or incorrectly posted data. 
I would be compelled to dispute all three companies with approximately XXXX accounts. Why are these companies not held accountable to the FCRA laws, which require them to report information accurately or delete it until verification is completed? It is unacceptable that we must constantly monitor their inability to effectively process data and spend our lives disputing and making claims to hold them responsible for adhering to the law. And experian just reported the same company immediately after it was deleted by them with a different amount owed. And they verified the debt this time even though the actual company cant verify the amount, original creditor. Experian just never confirmed the debt or verified anything.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've recently received a copy of my credit report through IdentityIQ and noticed unauthorized accounts/Information reporting to my credit report. These accounts had been affecting my credit and health for years now and its now affecting part of my life. I also found out my information was leaked due to a breach in XXXX and XXXX. 

Here is the list of ALL the accounts that I had reached out to and never received proper verification. I attached a copy of my most recent credit report. 

XXXX Account : XXXX {$230.00} XXXX XXXX Account : XXXX {$820.00} XXXX Account : XXXX {$250.00} XXXX XXXX Account : XXXX {$690.00} XXXX Account : XXXX {$240.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) Account : XXXX {$4600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account : XXXX {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX {$690.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX {$610.00} XXXX. XXXX Account : XXXX {$260.00} XXXX XXXX Account : XXXX {$1000.00} XXXX. XXXX XXXX Account : XXXX {$620.00}

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've recently received a copy of my credit report through IdentityIQ and noticed unauthorized accounts/Information reporting to my credit report. These accounts had been affecting my credit and health for years now and its now affecting part of my life. I also found out my information was leaked due to a breach in XXXX and XXXX. 

Here is the list of ALL the accounts that I had reached out to and never received proper verification. I attached a copy of my most recent credit report. 

XXXX Account : XXXX {$230.00} XXXX XXXX Account : XXXX {$820.00} XXXX Account : XXXX {$250.00} XXXX XXXX Account : XXXX {$690.00} XXXX Account : XXXX {$240.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) Account : XXXX {$4600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account : XXXX {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX {$690.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX {$610.00} XXXX. XXXX Account : XXXX {$260.00} XXXX XXXX Account : XXXX {$1000.00} XXXX. XXXX XXXX Account : XXXX {$620.00}

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 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 — Account status incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
I am disputing multiple inaccurate items on my XXXX XXXX and XXXX credit report. Despite submitting formal disputes and supporting documentation, XXXX has failed to properly correct or remove the following : 1. Personal Information Errors : My credit report is showing an address in New York that I have never lived at.

It also lists a Social Security Number ending in XXXX that does not belong to me.

2. Account Errors Unverified or Inaccurate : XXXX is reporting several accounts that are either : Paid in full but still marked derogatory Sold to other debt buyers but still reporting balances Time-barred based on the statute of limitations Verified without documentation despite my Method of Verification ( MOV ) request Examples include : XXXX XXXX XXXX XXXX XXXX : Paid and closed, still showing charge-off XXXX XXXX XXXXXXXX : Paid in settlement, still marked negative XXXX XXXX XXXX : Sold to XXXX XXXX but still reporting XXXX XXXX XXXX : Paid on XX/XX/XXXX, still listed XXXX : Opened in XXXX in Virginia, now time-barred XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and others still report incorrect balances or statuses I also sent a Method of Verification request and received no documentation from XXXX showing how they verified these items. 

I am requesting that XXXX either provide documentation verifying these accounts, or immediately delete them. 
Failure to act on this violates the Fair Credit Reporting Act ( FCRA ) and Consumer Rights.

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: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES
State: NJ

Complaint narrative:
Ive been receiving repeated collection calls from Zwicker & Associates, P.C. despite the fact that Ive been making consistent payments on my account. I answered one of the calls and told the representative to stop contacting me. They told me they would notate my account, but the calls have continued.

Since then, I have stopped answering the calls, but they still come in regularly sometimes multiple times a day. I believe this continued contact is unnecessary, especially since Im actively paying and have already asked for the calls to stop.

Im asking the CFPB to review this matter and help ensure the collection agency complies with federal regulations regarding consumer contact.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out because there is information on my credit report that is not being reported with maximum possible accuracy, as required under the Fair Credit Reporting Act ( FCRA ). This is unacceptable. The item in question is inaccurate, and its continued presence on my report is a direct violation of federal guidelines. I take my credit seriously, and I will not allow incorrect information to harm my profile.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
My card information was stolen to make a XXXX XXXX  purchase. I cancelled my card and Chase refunded the amount charged. I got a new card immediately. Then I had another XXXX XXXX purchase on my account. I called chase again and they said that someone had added my card to their digital wallet ( XXXX  ) and the information was updating along with my new card, so Chase informed me the only solution is to block the merchant. They did not say if they can remove the card information from this digital wallet. I called XXXX XXXX and they were unable to provide any information regarding the charges made. I want to know how to remove my card from someone elses digital wallet and ensure they can not link to my account information again.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
b'I received a copy of my credit report and found the following item(s) to be in error:\n\nThe status is incorrect for the following accounts\nXXXX \nAccount Number: XXXX XXXX XXXX\nPlease investigate and delete from my credit report\n\nThe inquiry was not authorized \nXXXX \nDate of inquiry: XXXX XXXX XXXX\nPlease investigate and delete from my credit report \n\nThe inquiry was not authorized \nXXXX  \nDate of inquiry: XXXX XXXX XXXX\nPlease investigate and delete from my credit report \n\nThe inquiry was not authorized \nXXXX XXXX \nDate of inquiry: XXXX XXXX XXXX\nPlease investigate and delete 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 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 — Account status incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
b'I received a copy of my credit report and found the following item(s) to be in error:\n\nThe status is incorrect for the following accounts\nXXXX \nAccount Number: XXXX XXXX XXXX\nPlease investigate and delete from my credit report\n\nThe inquiry was not authorized \nXXXX  \nDate of inquiry: XXXX XXXX XXXX\nPlease investigate and delete from my credit report \n\nThe inquiry was not authorized \nXXXX \nDate of inquiry: XXXX XXXX XXXX\nPlease investigate and delete from my credit report \n\nThe inquiry was not authorized \nXXXX XXXX \nDate of inquiry: XXXX XXXX XXXX\nPlease investigate and delete from my credit report'

Company response to consumer: Closed with non-monetary relief