vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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:
Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Experian Plc at comparable legal risk and perpetuates irreparable harm to my creditworthiness, financial stability, and personal well-being. The following unauthorized accounts, all traceable to the Experian Plc and XXXX XXXX XXXXXXXX XXXX, remain on my credit report despite repeated disputes and supporting documentation : a ) 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 XXXXXX/XX/XXXX Experian XXXX obligations under the FCRA remain unmet : Reinvestigation within 30 days of dispute receipt ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

Written notice of investigation results to the consumer ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

Maintenance of reasonable procedures to assure maximum accuracy ( 15 U.S.C. 1681e ( b ) ).

To date, no proof has been provided to substantiate these unauthorized entries, nor have I executed any application, contract, or signature authorizing such reporting. I have not granted Experian Plc any permissible purpose to access my personal information.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding multiple unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, nor have I applied for credit accounts, loans, or services that would justify them. 

These hard inquiries are negatively affecting my credit score and may indicate fraudulent activity or an error in credit reporting. I have attempted to resolve this matter by contacting the credit reporting agencies and, where possible, the companies responsible for the inquiries, but I have received no satisfactory response or resolution. 

These actions appear to violate the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. XXXX ( a ) : A consumer report may only be furnished under certain permissible purposes and with proper authorization. 

15 U.S.C. XXXX ( f ) : It is unlawful for any person to obtain a consumer report without a permissible purpose. 

If these inquiries were made under false pretenses, it may also violate 15 U.S.C. XXXXq. 

I am requesting that the CFPB investigate the following inquiries and help ensure they are removed from my credit report unless the furnishers can provide documented proof of my authorization : XXXX CARD XX/XX/year> - EXPERIAN XXXX XXXXXXXX EXPERIAN XXXX CARD XXXX EXPERIAN XXXX XXXX  XXXX XXXX Thank you for your attention to this matter. I am available to provide supporting documents and identity verification if needed.

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 2025-08-02 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: NY

Complaint narrative:
I asked XXXX XXXXXXXX XXXX XXXXXXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting XXXX XXXX XXXX XXXX several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I asked XXXX XXXXXXXX XXXX XXXXXXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting XXXX XXXX XXXX XXXX several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding 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 non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank. I was up to date on my payments on my XXXX XXXX. Then on my XXXX XXXX from now where I get with XXXX dollars of late fees. They retroactively add all these fees that didnt exist before and say I am in default. People are rude and hang up on me when I ask for an explanation. They refuse to to look at any statement from before XXXX. XXXX is the statement that has XXXX dollars in late fees for the last XXXX, years. When I ask why the XXXX statement was no late fees. They say the XXXX statement is irrelevant. When I ask how that can be irrelevant they say Im sorry I have nothing else I can help you with. I have answered all your relevant questions and have a good day.

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 2025-08-02 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 am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion. 
XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance Owed : {$18000.00} Status : Chargeoff Law : FCRA 611, 623, 15 USC 1681i Reinserted Item Requires Notice and Verification Issue : This account was previously deleted from my credit report, but it has been reinserted without proper notice or certification of accuracy.

Story : This account was removed after my prior dispute, and now it has reappeared without notifying me in writing within 5 business days as required by FCRA 611 ( a ) ( 5 ) ( B ). Additionally, no new documentation has been provided showing this item is verified. This reappearance is a serious violation of my rights and causes undue harm. I demand a full reinvestigation and deletion of this item as it has not been certified or legally reinserted.

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, stress, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
On XX/XX/year> I sent a formal written dispute to XXXX XXXX  under the fair credit reporting act ( FCRA ) regarding a lease account. They are falsely reporting as open and active. The vehicle lease ended years ago and should be reported as closed, yet it continues to appear on my credit report, as it is still open, which is inaccurate and damaging to my credit profile. 

On XX/XX/year> XXXX XXXX responded to XXXX people failed to provide any documentation of verification of the current status. Their response merely claimed that they " verified '' the trade line without addressing any of the facts are presented or producing supporting evidence. This is a violation of the responsibilities under the FCRA 623. 

I also found this piece with XXXX XXXX XXXX XXXX XXXX but all three credit bureaus claimed that account was verified as accurate relying on. XXXX was vague and unsubstantiated response. 

XXXX XXXX has not conducted a reasonable investigation, nor have they created the inaccurate information. This situation is causing me financial harm and distress, and I am requesting : - A full dilation of the trade line from my credit reports- A detailed explanation of how the account was verified - Immediate correction of all inaccurate data related to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed that one of my accounts was reporting inaccurate information. It's showing that I have a late reporting on my account that I know for a fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on a payment XXXX XXXX is the month in question, attached is a copy of the report. I'm requesting an investigation on this error and an update to the account to paid on time

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 2025-08-02 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: CA

Complaint narrative:
FORMAL IDENTITY THEFT BLOCKING REQUEST UNDER FCRA 605B.

THIS IS NOT A REINVESTIGATION REQUEST UNDER 611.

To Whom It May Concern, This is a formal identity theft dispute submitted under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S. Code 1681c2 ]. I am requesting the immediate and permanent blocking of fraudulent information that was added to my TransUnion credit report without my authorization. I did not open, authorize, or benefit in any way from the following account or inquiries : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX ; XXXX ) XXXX XXXXXXXX inquiry dated XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX inquiry dated XX/XX/XXXX. I did not apply for credit from these entities, did not receive any goods, services, or funds, and did not authorize any third party to act on my behalf. These entries are the direct result of identity theft. Pursuant to FCRA 605B ( c ) ( 1 ), you are required to block this information within 4 business days of receiving a valid identity theft report and supporting documentation. To comply with 605B ( b ), I am including the following : 1 ) A police report documenting the identity theft ( qualifying under 603 ( q ) ) ; 2 ) A copy of my government-issued photo ID ; 3 ) A copy of my Social Security card ; 4 ) Proof of current mailing address ; 5 ) A copy of my TransUnion credit report showing the disputed entries. This is not a general dispute under 611. This is a 605B identity theft block request and must be routed to the appropriate compliance or fraud department. Under 605B ( c ) ( 3 ), you are prohibited from reporting this data further. Any failure to fully block this information within the required timeframe or any improper verification attempts with furnishers will be treated as a direct violation of federal law. I expect a written confirmation of compliance. If not resolved, I will proceed with formal complaints to the CFPB and other regulatory bodies, and explore legal remedies as needed.

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 2025-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account.If you believe that you have sent proper notification please provide " certified mail '' with receipt displaying my signature. If not, please delete account as soon as possible from my reports or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: Self Financial Inc.
State: CA

Complaint narrative:
I am reporting unauthorized charges from Self Financial totaling {$100.00} on XX/XX/XXXX, despite never having created an account with them. I did not authorize this charge, nor have I ever entered into any financial agreement or credit-builder loan with Self Financial. 

Upon contacting their support on XX/XX/XXXX at XXXXXXXX XXXX, I reached a phone line that said that my certain issue couldn't be handled over the phone and to instead email. I then sent out an email on XX/XX/XXXX at XXXXXXXX XXXX  XXXX asking for an account cancelation immediately since I had no access to this account that I didn't sign up for. They emailed me the same day at XXXX XXXX XXXX saying that I would need to call the same number. I then attempted to call again for the number given at XXXXXXXX XXXX XXXX just to have the same automation relayed. I then sent a follow up email at XXXX XXXX  demanding for the immediately cancelation including a screenshot from my budgeting app of the two recurring expenses that were unauthorized. The person emailed at XXXX XXXX  under the assumption once again that I made the account under a different email. 

Their email support keeps reiterating they could not assist unless I recalled an email I never used to begin with. I now have an active billing schedule charging me XXXX XXXX monthly for a fraudulent account I can not access, cancel, or dispute through their channels. This raises serious concerns about fraudulent account creation, lack of identity verification, and a failure to provide adequate consumer protections or means to resolve unauthorized charges. I am requesting the CFPB investigate this issue and ensure Self Financial ceases charges, deletes any fraudulent account in my name, and provides a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
CFPB, 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 {$1600.00} 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.

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 2025-08-02 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:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. CXXXXe XXXX, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion. 
XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance Owed : {$18000.00} Status : Chargeoff Law : FCRA XXXX, XXXX, 15 USC XXXXi Reinserted Item Requires Notice and Verification Issue : This account was previously deleted from my credit report, but it has been reinserted without proper notice or certification of accuracy. 
Story : This account was removed after my prior dispute, and now it has reappeared without notifying me in writing within XXXX business days as required by FCRA XXXX ( a ) ( XXXX ) ( B ). Additionally, no new documentation has been provided showing this item is verified. This reappearance is a serious violation of my rights and causes undue harm. I demand a full reinvestigation and deletion of this item as it has not been certified or legally reinserted. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, stress, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and 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 non-monetary relief
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
XXXX  (Original Creditor: XXXX XXXX XXXX) Account #XXXXnaccount already settled with att please remove.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MO

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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