vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFBP, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CIG FINANCIAL LLC
State: GA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries related to auto financing and dealership applications that appear on my credit report. These inquiries occurred shortly after I turned XXXX, during a time when I was merely exploring options and explicitly informed multiple dealerships that I did not have established credit and was not purchasing a vehicle. Despite this, they proceeded to repeatedly run my credit without my clear permission or proper understanding of the consequences. 

I never received financing nor purchased a vehicle from any of these institutions. These inquiries are unnecessary, damaging, and misleading on my credit profile and I believe they were conducted improperly or without proper disclosure. 

Please investigate and promptly remove the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), inquiries not initiated by the consumer or not resulting in credit approval must be removed if unauthorized. I am attaching identification documents and proof of address for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
I am unaware of this debt and didnt have the opportunity to dispute it. If you believe that you sent proper notification, please provide certified mail with receipt displaying my signature if not, please delete this account from my credit report as soon as possible or I will have to take legal action

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a victim of identity fraud. A person with a similar name used my social security number to open a account with XXXX XXXX. XXXX XXXX sold account to Midland Credit Management. The person they are looking for lives in XXXX and I have never lived there and I don't have a XXXX XXXX credit card. MCM was trying to collect from me and now MCM is suing me for {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX Equifax & XXXX credit report on XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-14 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: GA

Complaint narrative:
I am filing this complaint due to the ongoing and unauthorized reporting of inaccurate, incomplete, or unverifiable information on my consumer credit reports by one or more of the nationwide consumer reporting agencies ( Equifax, Experian, and/or TransUnion ) XXXX 
I have identified one or more accounts currently being reported that I believe violate my rights as established under federal law, including : The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 And protections under Gramm-Leach-Bliley Act ( GLBA ) and the Right to Financial Privacy Act ( RFPA ) The information in question is either : Inaccurate or misleading in how it is being reported ( balance, date opened, payment status, etc. ), Unverified or unverifiable using physical documentation, or Improperly reported by third-party furnishers who lack legal standing or contract authority to report. 
I assert that : Per 15 U.S. Code 1681i ( a ), once a consumer disputes any information, the bureaus must reinvestigate and remove or correct the data unless it is verified with competent evidence ; Per 15 U.S. Code 1681s-2 ( b ), data furnishers must conduct an investigation upon notice of a dispute, and report the results accurately ; Per 15 U.S. Code 1681e ( b ), credit bureaus must maintain maximum possible accuracy which has clearly not been done in this case; Under FDCPA ( 15 U.S. Code 1692e ), any misleading, deceptive, or unfair reporting is a violation of my consumer protections ; I have not received proper validation or physical documentation that establishes the legal basis for the derogatory information being reported, nor has the bureau provided any actual signed contract, payment history, or lawful verification. 
Therefore, I believe this information is being unlawfully and irresponsibly reported, causing irreparable harm to my financial and personal wellbeing, including denial of credit, inflated interest rates, and emotional stress.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX for continued, unlawful reporting of a debt that has been resold, transferred, or otherwise assigned to a third-party debt collector. 

This account is still being reported by the original creditor despite the fact that it has been charged off and sold, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, and may also constitute deceptive and unfair practices under the Fair Debt Collection Practices Act ( FDCPA ).

When an original creditor sells or assigns a debt, they also relinquish their ownership and financial interest in that account. At that point, they can no longer legally report an active balance or continued activity under their name. Additionally, if the debt was charged off and canceled, the creditor is required under IRS Code 6050P to issue a 1099-C and should not continue reporting the balance. 

Continued reporting of this resold or assigned debt : Misleads current and future lenders, Creates duplicate negative impacts on my credit file, Violates federal law, and Harms my financial standing unjustly.

I am demanding the following : Immediate deletion of this account from all credit reporting agencies, A full investigation into this creditors continued reporting of a debt they no longer own, Confirmation of any 1099-C that has been issued, and Written resolution from the credit bureau and/or creditor.

If this issue is not resolved promptly and legally, I will pursue action under FCRA 1681n/o for willful and negligent noncompliance and will seek all legal remedies available, including statutory damages and attorneys fees. 

Thank you for your attention to this matter and for protecting consumer rights. 

Sincerely, XXXX 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX for continued, unlawful reporting of a debt that has been resold, transferred, or otherwise assigned to a third-party debt collector. 

This account is still being reported by the original creditor despite the fact that it has been charged off and sold, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, and may also constitute deceptive and unfair practices under the Fair Debt Collection Practices Act ( FDCPA ).

When an original creditor sells or assigns a debt, they also relinquish their ownership and financial interest in that account. At that point, they can no longer legally report an active balance or continued activity under their name. Additionally, if the debt was charged off and canceled, the creditor is required under IRS Code 6050P to issue a 1099-C and should not continue reporting the balance. 

Continued reporting of this resold or assigned debt : Misleads current and future lenders, Creates duplicate negative impacts on my credit file, Violates federal law, and Harms my financial standing unjustly.

I am demanding the following : Immediate deletion of this account from all credit reporting agencies, A full investigation into this creditors continued reporting of a debt they no longer own, Confirmation of any 1099-C that has been issued, and Written resolution from the credit bureau and/or creditor.

If this issue is not resolved promptly and legally, I will pursue action under FCRA 1681n/o for willful and negligent noncompliance and will seek all legal remedies available, including statutory damages and attorneys fees. 

Thank you for your attention to this matter and for protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XXXX XXXX of XXXX my Edd Bank of America card was used unauthorized by someone I don't know. I have disputed those transactions that weren't made by me because I did not received the XXXX card to my home address instead it was mailed else where and someone got a hold of my card and made unauthorized transactions. 
Now Bank of America is denying my dispute claim after I have send in several documents proving I did not reside at the address on file they had, and today as of XX/XX/XXXX they denied the claims again saying they have proof it was I that made those transactions or someone I know. I have given every piece of proof to help with my claim but Bank of America just keeps denying my claim.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: RentDebt Automated Collections, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I noticed a collection account from RentDebt Automated Collections for the amount of {$22000.00}, originally from Residences at The Collection. The account was opened in XX/XX/XXXX and is currently reported as past due. 

I have disputed this account through the credit bureau, but the account is still being reported. I have not received any validation of the debt no lease, no itemized breakdown, and no proof that RentDebt has legal authority to collect in my state ( Louisiana ). 

This collection is severely impacting my credit report and was added without sufficient documentation. I am requesting that the CFPB review this matter and require RentDebt to either validate the debt properly or remove it from my credit file, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I requested credit freezes for my XXXXXXXX XXXX children. Their personal information was stolen from a breach at their school. I completed the forms and submitted all information to Experian by certified mail. This was delivered XXXX XXXX XXXX. I never received a letter of confirmation for either child. I have tried to call to verify that they placed a freeze and to receive the PIN for my children, but their automated system does not account for that request and does not allow to speak to an agent. I called multiple times on XXXX XXXX XXXX  and the system repeatedly hung up on me. It also was confused and kept directing me to unfreeze my account online. Therefore I logged in to my personal account to try to add my XXXX child to the account, but it did not provide any option to do that. Then I tried to create an account for my XXXX  child but it does not allow that under age XXXX XXXX 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently became aware of a collection account that has been reported under my credit file. I did not open or approve any such account and dispute the accuracy of this entry.

Company response to consumer: Closed with explanation