vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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:
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Re : Unauthorized Inquiry Dispute & Personal Information Update Under FCRA 15 U.S. Code 1681b To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries listed on my TransUnion credit report. I did not authorize these inquiries, nor was I applying for any form of credit with the companies listed below. These hard inquiries were made without my permission and therefore violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which requires a permissible purpose for accessing a consumer report. 

Please investigate and remove the following unauthorized hard inquiries from my credit report immediately : XXXX ( Hotel and travel ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( XXXX and XXXX ) XX/XX/XXXX Additionally, I respectfully request that you update my current address to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, and remove any previously listed addresses from my credit file. 

Please also ensure that only my updated phone number, XXXX, is associated with my credit report. 

It is important that my credit file reflects only accurate and authorized information. I trust TransUnion will give this matter the serious attention it deserves, and I look forward to receiving confirmation that these inquiries have been investigated and removed, along with an updated copy of my credit report reflecting the corrections requested. 

Thank you for your prompt and professional attention to this matter. 

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Re : Civil liability for negligent noncompliance 15 U.S. Code 1681o I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further 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 non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I am formally demanding that you certifywithout ambiguitythat every single piece of data connected to this account is my personal property. This includes but is not limited to : personal information, activity history, files, communications, preferences, backups, metadata, and any other form of stored or processed data under this account. 

I am asserting my right to full control over my data. I want it made explicitly clear that none of this data has been shared, processed, retained, or used in any way that violates my ownership or personal privacy. You must be able to confirm this definitively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
On or before XX/XX/year>, I identified several unauthorized and/or inaccurately reported accounts on my credit report that I did not open or do not recognize. These accounts appeared across multiple credit reporting agencies, including Experian, Equifax, and TransUnion. 

The disputed accounts include the following : XXXX XXXXXXXX XXXX  XXXX Account closed, balance {$0.00}, account number partially redacted. 
XXXX XXXX XXXX XXXX XXXX Account closed, balance {$0.00}. 
XXXX XXXX Account open with a reported balance of {$8500.00} and monthly payment of {$400.00}. I do not recognize this account. 
XXXX XXXX XXXX XXXX XXXX account, balance {$0.00}. 
XXXX XXXX Active account showing {$40.00} past due, with a total balance of {$100.00} and a credit limit of {$2500.00}. 
XXXX XXXX XXXX Closed account, balance {$0.00}. 
XXXX / XXXX Closed account showing {$110.00} past due, with a balance of {$390.00} and a monthly payment of {$39.00}. 
XXXX XXXX - XXXX XXXX account showing a balance of {$1900.00} with payment status marked as " Unknown. '' These accounts were either opened without my authorization or are reporting inaccurately. I submitted formal disputes to all three major credit bureaus and requested an investigation into the origin and legitimacy of each account, referencing protections and procedures outlined in the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2, 1681i, and 1681i ( a ) ( 5 ) ( A ).

Additionally, I requested that all prior addresses that do not match my current verified address be removed from my credit file. As part of my dispute, I submitted proof of identity including a government-issued ID and a recent utility bill to confirm my current address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
On or before XX/XX/year>, I identified several unauthorized and/or inaccurately reported accounts on my credit report that I did not open or do not recognize. These accounts appeared across multiple credit reporting agencies, including Experian, Equifax, and TransUnion. 

The disputed accounts include the following : XXXX XXXXXXXX XXXX  XXXX Account closed, balance {$0.00}, account number partially redacted. 
XXXX XXXX XXXX XXXX XXXX Account closed, balance {$0.00}. 
XXXX XXXX Account open with a reported balance of {$8500.00} and monthly payment of {$400.00}. I do not recognize this account. 
XXXX XXXX XXXX XXXX XXXX account, balance {$0.00}. 
XXXX XXXX Active account showing {$40.00} past due, with a total balance of {$100.00} and a credit limit of {$2500.00}. 
XXXX XXXX XXXX Closed account, balance {$0.00}. 
XXXX / XXXX Closed account showing {$110.00} past due, with a balance of {$390.00} and a monthly payment of {$39.00}. 
XXXX XXXX - XXXX XXXX account showing a balance of {$1900.00} with payment status marked as " Unknown. '' These accounts were either opened without my authorization or are reporting inaccurately. I submitted formal disputes to all three major credit bureaus and requested an investigation into the origin and legitimacy of each account, referencing protections and procedures outlined in the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2, 1681i, and 1681i ( a ) ( 5 ) ( A ).

Additionally, I requested that all prior addresses that do not match my current verified address be removed from my credit file. As part of my dispute, I submitted proof of identity including a government-issued ID and a recent utility bill to confirm my current address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: OR

Complaint narrative:
On XX/XX/year>, I mailed a formal Section XXXX debt validation request to XXXX XXXX XXXX ( XXXX ) regarding a {$49000.00} collection they are reporting on behalf of the University XXXX XXXX. XXXX records show it was received XX/XX/year>. No response was received within the required 30 days. On XX/XX/XXXX, XXXX responded through a CFPB complaint, stating they would place the account in restrictive status and cease communication. They confirmed in writing their intent was to prevent further damage. 

Despite this, on XX/XX/year>, they re-reported the account as active on my TransUnion report, contradicting their cease-communication statement and federal compliance obligations. To make matters worse, Experian has since removed this exact tradeline due to these violations after reviewing the same evidence and mail fraud irregularities reported to the U.S. Postal Inspector and the FTC ( FTC ID : XXXX ). I never attended the XXXX XXXX XXXX and never received validation proving liability, amount, or assignment of debt. 

XXXX is knowingly damaging me with unverifiable and false information. TransUnion is continuing to furnish this data in violation of the FCRA and must correct this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
I am requesting CFPB fine and look into what Experian is doing to me. They sent me investigation results which didnt address the XXXX  request. Also, the investigation results are XXXX. I am enclosing a screenshot of Experians incompetence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/year> I submitted my XXXX payment after being sent a bill on XX/XX/year>. I have confirmation from MOHELA that the payment was received and posted to my account. MOHELA failed to submit this payment to the XXXX system which shows it is updated through XX/XX/year> and the XXXX payment is missing. I have fulfilled my end of the contract by making XXXX payments and MOHELA is intentionally withholding payment information to force me to continue paying them. I made a complaint with MOHELA and received and AI response about contacting the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am writing to formally dispute a negative item that has been reported on my credit report, which I believe is inaccurate and does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete, and to have such items investigated and corrected or removed if found to be inaccurate. Please conduct a thorough investigation into this matter, and if your investigation confirms that this item is inaccurate or does not belong to me, I request that it be permanently removed from my credit report in accordance with the FCRA. Furthermore, I request that you notify all credit reporting agencies to which this negative item has been reported to ensure its prompt removal. Thank you for your prompt attention to this matter. I look forward to your swift action in correcting my credit report and ensuring that my credit history accurately reflects my financial conduct. Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} RADIUS XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
Recently acquired my credit report and noticed several hard inquiries that were unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CT

Complaint narrative:
I previously filed a complaint against Experian with the CFPB and they responded that they verified the account. However, I had requested in writing directly with the creditor for copies of the signed credit application and identification they requested to open two accounts. They did not respond. I filed an ID theft report and mailed it to them. They have not replied. Since they verified to Experian yet don't respond to me, I'm sending a new identity theft report to Experian to obtain the signed documents. If Experian verified with them, this time I want Experian to provide copy of the identification the creditor used to open the accounts as well as the copies of the signed credit application. Because Experian tells me they verified, yet does not tell me how the creditor verified, like for example the name of the contact they spoke with, what signed documentations did they provide, what identification does the creditor have to show they used it to open those accounts in myname.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX XXXX. Enclosed are the pertinent documents for your thorough review and reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MD

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 explanation