vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights XXXX privacy XXXX confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX XXXX * * * * * * * * * * XXXXS XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * XXXX  XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * * XXXX  XXXX XXXX * XXXX * * * * * * * XXXX XXXX * * XXXX XXXX Bankruptcy XXXX has violated my rights. 

EQUIFAX XXXX XXXX * * * * * * * * * * XXXX  XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * CB/VICSCRT XXXX * * * * * * * * * * XXXX XXXX XXXX * XXXX * * * * * * * XXXX XXXX * * has violated my rights. 

EXPERIAN XXXX XXXX XXXX * * * * * * * * * XXXX XXXX * * * * * * * * * * XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * * XXXX XXXX * * XXXX XXXX Bankruptcy XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete XXXX not accurate. XXXX according XXXX  the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures XXXX  assure maximum possible accuracy of the information concerning the individual about whom the report relates according XXXX XXXX XXXX XXXX ( XXXX ) ( b ). 

And according XXXX XXXX XXXX XXXX XXXX they are suppose XXXX do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found XXXX  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; XXXX ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX according XXXX XXXX XXXX XXXX they are suppose XXXX not furnish any information relating XXXX a consumer XXXX any consumer reporting agency if the person knows or has reasonable cause XXXX  believe that the information is inaccurate.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX Experian XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XX/XX/year> Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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 writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX Experian XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XX/XX/year> Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-05-08 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX XXXX, a federally protected consumer with a RIGHT XXXX PRIVACY under XXXX U.S.C. XXXX ( XXXX ) XXXX  the full protections of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). I am filing this complaint against EXPERIAN for repeatedly violating my consumer rights by reporting an XXXX account ( Account No. XXXX ) without my written authorization or consent, which is a direct violation of XXXX XXXX. XXXX ( Permissible Purpose ). 

Despite multiple disputes, this being the XXXX ATTEMPT, Experian continues XXXX report this account. I never gave consent or authorization XXXX  be reported, XXXX no documentation exists proving my consent XXXX report it. This is identity theft XXXX violates XXXX XXXX. XXXX ( XXXX of XXXX Resulting from Identity Theft ). 

Additionally, the information being reported by Experian is not consistent with other credit bureaus. TransUnion reports different data or information, XXXX  XXXX does not report this account at all, proving a lack of maximum possible accuracy, in violation of XXXX XXXX. XXXX ( b ) ( Maximum Possible Accuracy ). The inconsistent XXXX inaccurate reporting is harming my creditworthiness, blocking me from securing a loan for my business XXXX housing for my family, which causes real financial XXXX  emotional damage. 

Experian 's failure to delete this account after multiple disputes amounts to negligent and willful noncompliance under XXXX XXXX. XXXX XXXX XXXX, which allows for civil liability XXXX  statutory damages of {$1000.00} per violation. Their continued reporting after clear notice XXXX evidence shows disregard for FCRA obligations. 

I am deeply disappointed with Experians repeated failure XXXX correct this issue, XXXX I demand that the CFPB take enforcement action immediately. Experian is not complying with the FCRAs accuracy XXXX permissible purpose standards, XXXX  its inaction is causing irreversible damage. I have already sought legal counsel XXXX am prepared XXXX take further legal action if this issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, XXXX  false personal information made or reported without my knowledge or agreement completely stunned XXXX  grieved me. I've tried XXXX  get clarification from the creditors, but they have blatantly refused XXXX  give it XXXX me. I demand that the creditors act immediately XXXX  be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, XXXX give comprehensive details about each account XXXX inquiry, including dates, purposes, XXXX the kinds of credit products involved. XXXX  see what I'm complaining about, please refer XXXX 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft XXXX fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, XXXX false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX in the amount of {$660.00}, XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX in the amount of {$13.00}, XXXX, DEPT OF XXXX on XX/XX/XXXX under the account number XXXX, DEPT OF XXXX on XX/XX/XXXX under the account number xxxxxxxxx in the amount of {$25.00}, XXXX, Public record Bankruptcy chapter XXXX discharge on XX/XX/XXXX reference # XXXX These accounts have resulted in several fraudulent hard inquiries XXXX fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, XXXX hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, XXXX  hard inquiries are the result of identity theft XXXX fraud. 
I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), Experian credit reporting agency block all of the accounts, collections, XXXX hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX  business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent XXXX me via email XXXX the email address : 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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
On XX/XX/year>. A representative of Weltman , Weinberg & Reis Co., LPA made false assurance of providing documentation of a settlement agreement 's online availability through their portal, which led me to verbally agree to an installment payment plan. This is a deceptive statement made among several others at this collection company that is in violation of provisions outlined in 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
b'To Whom It May Concern:\n\nConsumer Financial Protection Bureau (CFPB)\n\nSubject: Urgent Complaint  Survival Rent Assistance Funds Taken from Bank Account Without Consent\n\nMy name is XXXX XXXX and I am submitting this complaint regarding a debit of $XXXX that was withdrawn from my bank account on XXXX XXXX XXXX, without my consent.\n\nThe transaction appears as:\n\n"DEBIT FOR CHARGED OFF ACCOUNT XXXX XXXX XXXX XXXXThese funds were not personal income, nor were they discretionary funds. This money came directly from a nonprofit organization assisting me during a critical time of housing insecurity. The funds were intended solely to pay my rent and help me avoid eviction. The withdrawal of these funds has placed me in serious financial hardship and compromised my ability to maintain stable housing.\n\nI did not authorize this transaction, and I was not notified in advance that these emergency funds would be used to repay any previous account charges. This was a designated aid payment for survival, and I believe its seizure violates both ethical standards and potentially legal protections regarding charitable or emergency assistance.\n\nI respectfully request the following:\n\nAn immediate investigation into this unauthorized withdrawal.\nThat the bank be required to return the full amount of $XXXX, as it was not meant for debt repayment.\nThat the CFPB take appropriate steps to ensure banks do not misuse nonprofit assistance or emergency aid.\nI am attaching a screenshot of the transaction as it appears in my bank account for your reference.\n\nThank you for your attention to this matter. I appreciate your support in helping protect vulnerable consumers like myself who rely on emergency aid to survive.\n\nSincerelyXXXX 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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Subject : Complaint Regarding Defective Amazon Order and Unresolved Dispute I am writing to file a complaint regarding an order I placed on Amazon totaling {$56.00}. The item I received was defective and caused injury to my sons foot. I attempted to contact the merchant through the Amazon app multiple times, but they did not accept a return or offer a replacement. 

When I reached out to Amazon customer service, I was told that I would be charged a restocking fee if I returned the itemdespite the fact that it arrived defective. This situation is not my fault, and it feels unfair to be penalized for a product issue that caused harm. 

I also opened a dispute with Synchrony, but it was closed without any documents being requested from me or a proper investigation. Now I am left without support or a resolution. 

I am willing to return the item or accept a replacement, but I do not believe I should be charged any fees under these circumstances. I am asking for assistance in resolving this matter fairly.

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 2025-05-08 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
During XXXX when my loans were in deferment MOHELA wouldnt not show the interest rate of loans. They also keep moving my loans out of deferement even though I am currently enrolled in a graduate level program. I have spent countless XXXX on the phone with them waiting for someone to answer for no one to answer and was stuck in endless loops of attempting to get a person instead of a computer. I believe I made several payments during the deferement period and only see XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Date : XX/XX/2025 Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Account Under FCRA Identity Theft Victim To Whom It May Concern, I am writing to formally dispute a fraudulent account that appears on my Experian credit report. I am a victim of identity theft and did not open or authorize this account. Pursuant to the Fair Credit Reporting Act ( FCRA ), Section XXXXB, I request that Experian block and remove this account from my credit file immediately. 

The details of the fraudulent account are as follows : Creditor Name : XXXX Account Number : XXXX Outstanding Balance : {$2500.00} Date OpenedXXXX This account was not opened by me and is the result of identity theft. I have reported this matter to the Federal Trade Commission ( FTC ). I have enclosed the following supporting documentation : -FTC Identity Theft Report Under Section XXXXB of the FCRA, you are required to block this fraudulent information from my credit report within XXXX business days of receiving this notice and the required documents. 

Please confirm in writing that the account has been removed or blocked from my credit report. Should you require any additional information or documentation, you may contact me at the email address provided above. 

Thank you for your 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 explanation