vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: ME

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX XXXX only to request general information about mortgage options and preapproval requirements. 

I started filling out an online form, but the system did not accept my submission. I informed the representative that I was no longer interested and did not wish to proceed with any loan application. 

Despite this, the company performed a hard credit inquiry without my valid authorization. 

In addition, the inquiry appeared under a different business name ( XXXX XXXX XXXX XXXX, which caused confusion and negatively affected my credit score. 

The company later claimed that the inquiry occurred because I checked a box on the online form. However, the Fair Credit Reporting Act ( FCRA ) requires explicit, informed, and current consent to access a consumers credit report. Since I never completed or submitted a formal loan application, that checkbox does not constitute valid authorization under the law. 

It should also be noted that these inquiries show inconsistencies in the reported name, which violates Section 604 ( 15 U.S.C. 1681b ) of the FCRA. This law establishes that any inaccurate, ambiguous, or unverifiable information must be removed from the credit report. 

I contacted the company directly to request the removal of the inquiry, but they refused. 

This action violates the FCRA by accessing my credit report without a permissible purpose and without valid authorization. 

I am filing this complaint so that the Consumer Financial Protection Bureau ( CFPB ) can investigate and request the permanent removal of this unauthorized inquiry from all credit bureaus. 

I have screenshots and documentation supporting 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 non-monetary relief
Consumer complaint received 2025-11-06 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 have no association with these accounts ; remove them in compliance with USC 1681g within 15 days.

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 2025-11-06 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: TN

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report XXXX : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than XXXX  days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

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 2025-11-06 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-06 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: NC

Complaint narrative:
I am disputing the accuracy and validity of the following information being reported on my Equifax credit report. These accounts are being reported as charged off or late, but I have reason to believe that the reporting is inaccurate, outdated, or unverifiable under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Account ( s ) XXXX XXXX, Account # XXXX Date : XX/XX/year> Amount : {$300.00} This account appears to be incorrectly reported. I request that Equifax investigate, verify, and provide full documentation supporting this tradelines accuracy and ownership. If Equifax can not fully verify the information within the time allowed by law, I request that it be deleted immediately from my credit report. 

Late Payment : XXXX XXXX, Account # XXXX Reported as late payment. 

I request verification of the payment history, including documentation proving the accuracy of any reported late payments. If verification can not be provided, please remove this derogatory notation from my credit file. 

Inquiries : None listed for dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: AL

Complaint narrative:
I filed for bankruptcy because I fell behind on my mortgage payments. Before filing, I was initially working with a company called United Wholesale Mortgage and a loan specialist named XXXX. We had a disagreement because she did not inform me about the XXXX loan, which is designed to help veterans reduce their interest rates. When I inquired about the program, it became clear that XXXX, despite calling herself a specialist, had no idea what I was talking about. This lack of guidance contributed to my further financial decline, ultimately leading to my bankruptcy. 

When I sought assistance in XX/XX/year> to get back on track by delaying one payment, I was told I needed to be at least two months behind and approaching a third month. I was very concerned about potentially losing my home, so I reached out to the bankruptcy division to explore my options. I ultimately decided to file for bankruptcy in order to catch up on two overdue payments, largely due to XXXXXXXX XXXX unresponsiveness ; she would often claim to be busy and promise to call back without following through. 

My loan was then transferred to another branch of the same company, where I was able to get my payments caught up until XX/XX/year>. Unfortunately, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am currently still on furlough. I recently reached out to United Wholesale Mortgage again, and they transferred my loan once more, despite my earlier request for assistance due to the furlough that had caused me to begin falling behind again. 

I was denied assistance and offered a modification that would have increased my mortgage amount and extended my loan by five years, which I declined. Now, my loan has been transferred again, and they have not recorded any of my payments. As a result, they are showing me as delinquent for five months, even though I have all the receipts and money orders for payments made from XXXX to XX/XX/year>. I am discovering that the new loan servicer has not documented record any of these payments. 

This situation is incredibly stressful and stems from my initial complaints about XXXX XXXX lack of support and the incorrect charges from the subsequent company I was transferred to. This ongoing issue could lead to serious problems with my VA-backed loan, particularly because my payments are not accurately reflected in the system, putting me at risk of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Westlake financial services XXXX XXXX The total amount owed {$27000.00} on date about Amount owed at time of purchase XX/XX/XXXX {$28000.00} Auto loan Promise to pay on Friday XX/XX/XXXX repossession took place Thursday XXXX XXXX. Westlake did not tell us that the car was up for repo. We communicated with Westlake by phone and text. They took our promise to pay that Friday but didn't tell us the amount to give to stop any repossession. We had to find the tow yard ourselves. the lady at the tow yard told us to get our belongs out because the car wasn't up for redemption. By Monday morning we discovered the car got towed to an auction in XXXX, al. Again we talked to Westlake and was trying to figure out how we can get the car back two different people gave us two different amounts to pay one say {$1800.00} other said {$1500.00}. Never once did they mention about the car being at an auction. They are still calling every day to collect money on a car we no longer have. I have never received and letters from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 do not recognize or authorize these accounts ; they must be removed within 15 days in line with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
As I explained, I am currently facing financial hardship due to an eviction situation, and we agreed that I would be able to resume payments starting next month time and date XX/XX/year> XXXX. 
I noticed an email indicating that a payment was unsuccessful time and date XX/XX/year> XXXX. Please note that this does not reflect a failure on my part to honor our arrangement. I remain committed to making payment according to the plan we discussed. 
I kindly request that my account reflects this agreed-upon arrangement and that no negative reporting or further action is taken regarding this matter until the agreed start date. Please confirm that this has been noted. This was explained to agent XXXX XXXX. Agent failed to understand and I also explained to him that everything has been recorded. He started there was nothing he can do I will have to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
Kindly examine the records enclosed these inquiries took place without any warning and may not be valid.

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 2025-11-06 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: NC

Complaint narrative:
I am disputing several accounts and inquiries on my TransUnion credit report that I believe are inaccurate, outdated, or unverifiable. 

Charged Off Account ( XXXX ) : XXXX XXXX Accounts ending in : XXXX Date : XX/XX/XXXX {$4900.00} XXXX Date : XX/XX/XXXX {$2000.00} XXXX Date : XX/XX/XXXX {$6100.00} XXXX Date : XX/XX/XXXX {$2500.00} XXXX Date : XX/XX/XXXX {$5400.00} XXXX Date : XX/XX/XXXX {$7900.00} XXXX 'S XXXX XXXX Account # XXXX Date : XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX : # XXXX XX/XX/XXXX {$760.00} # XXXX XX/XX/XXXX {$250.00} # XXXX XX/XX/XXXX {$280.00} XXXX, Account # XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX, Account # XXXX XX/XX/XXXX {$0.00} XXXX, Account # XXXX XX/XX/XXXX {$300.00} Several of these accounts appear duplicated or outdated and may not meet FCRA requirements for continued reporting. I am requesting a complete reinvestigation, including source verification, contract documentation, and original creditor validation. 

Inquiries : XXXX, Inquiry Date : XX/XX/XXXX Please verify this inquirys authorization and remove it if it can not be substantiated. 

Late Payment : XXXX XXXX, Account # XXXX I request verification of the reported late payment ( XXXX ) and removal of any unverifiable derogatory notations.

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 2025-11-06 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 writing to dispute the accounts in question. I did not authorize their creation and have no affiliation with them. Please investigate and remove them from my record. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
You are just a consumer that is trying to fix your credit. Draft me a statement to be used in CFPB filing. It should be separated for each bureau. These are the accounts in disputes : ============================== CHARGED OFF ============================== XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX INT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, ============================== 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 AUTO XXXX, XXXX XXXX AUTO XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX DIGI XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX  FIN XXXX, ============================== POSITIVE ============================== ============================== LATE PAYMENT ============================== XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: MA

Complaint narrative:
I am a consumer actively working to resolve inaccurate information on my credit report. Below are the accounts that I am disputing, categorized by each credit bureau. I respectfully request that the disputed information be investigated and corrected as per the Fair Credit Reporting Act ( FCRA ) Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Inquiries XXXX  Date of Inquiry : XX/XX/XXXX Late Payment XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: IN

Complaint narrative:
As per XXXXusc XXXX XXXX  XXXX  and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per XXXX usc XXXX. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of XXXX usc XXXX. ( XXXX ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title XXXX section XXXX. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXX Better Business Bureau. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Comptroller of the Currency. XXXX Federal Reserve XXXX. XXXX XXXX and XXXX. XXXX Federal Trade Commission. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NV

Complaint narrative:
I am submitting a dispute regarding the following accounts on my Experian credit report. I respectfully request an investigation under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX CRED Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX Inquiries : XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXX Date Open : 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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XX/XX/year> Re : Request for Debt Validation To Whom It May Concern, I am writing in response to a collection account that appears on my credit report, listed under your companys name, XXXX XXXX, with the original creditor noted as XXXX. This letter serves as a formal request for debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information to verify that this debt is valid and that your company has the legal right to collect it : The name and address of the original creditor. 
A copy of any document bearing my signature showing I am legally obligated to pay. 
The amount of the alleged debt, including an itemized statement of how it was calculated. 
Documentation showing your authority to collect on this debt ( proof of assignment or purchase ). 
A copy of any judgment, if applicable. 
While this account is under dispute, please refrain from any collection activity, including reporting or verifying this debt with credit reporting agencies, until proper validation is provided. 
If you can not provide the requested documentation, please cease all collection efforts and remove the account from my credit reports with all major credit bureaus. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation