vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: KY

Complaint narrative:
This is my FOURTH written attempt demanding the immediate removal of fraudulent tems from my consumer report under FCRA 605B. You have failed to comply with your legal obligation to block this information within 4 business days. 
You are now in XXXX XXXX with the Fair Credit Reporting Act and knowingly causing harm to a consumer. 
Despite providing : - A valid FTC Identity Theft Report- A written request for block/removal- Clear documentation of fraud You continue to report the following : ACCOUNTS : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00}

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I request that XXXX XXXX XXXX provide documented proof of a signed loan agreement between me and their company specifically. If they can not provide this, I am requesting that the account be permanently deleted from all credit reporting agencies in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681e ( b ) ).

Additionally, I never received a legally required repossession notice before the vehicle was taken. If XXXX XXXX XXXX can not provide proof that proper repossession procedures and legal notifications were followed, including timely written notice, this further supports deletion of the account due to unfair and improper handling. 

If the account is to remain, all reporting must be accurate, verifiable, and consistent across all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: SC

Complaint narrative:
I request that XXXX XXXX XXXX provide documented proof of a signed loan agreement between me and their company specifically. If they can not provide this, I am requesting that the account be permanently deleted from all credit reporting agencies in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681e ( b ) ). 

Additionally, I never received a legally required repossession notice before the vehicle was taken. If XXXX XXXX XXXX can not provide proof that proper repossession procedures and legal notifications were followed, including timely written notice, this further supports deletion of the account due to unfair and improper handling. 

If the account is to remain, all reporting must be accurate, verifiable, and consistent across all three major credit bureaus.

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 2025-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
I've been getting behind on my mortgage from lack work and I've applied for the assistance thru the company and haven't received any. My mortgage is to high for me at the moment and if they would lower my payment I wouldn't be behind. I'm currently behind to months {$8700.00} for XX/XX/year> and XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. 
Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. 
I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : 1. Provide a detailed account of the data that was compromised ; 2. Disclose the date and method by which the breach occurred ; 3. Explain the steps your organization is taking to remediate the situation ; 4. Provide documentation of your compliance with data protection laws ; 5. Correct any errors on my credit file caused by this breach ; 6. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months.

Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General.

Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: Lentegrity Management, LLC
State: NJ

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part.

Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach.

I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : 1. Provide a detailed account of the data that was compromised ; 2. Disclose the date and method by which the breach occurred ; 3. Explain the steps your organization is taking to remediate the situation ; 4. Provide documentation of your compliance with data protection laws ; 5. Correct any errors on my credit file caused by this breach ; 6. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months.

Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General.

Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I got this auto loan in 2021 through XXXX XXXX bank these people call text email me like XXXX times a day so overwhelming for me it's gotten so bad I had to tell them to stop calling so much & harassing me these people want work with me on my auto loan I'm having a hardship due to my situation of divorce took all my funds & I had lost of income due to my health time off work I've paid the loan down halfway the company always talking XXXX. Add so many fees on everything that they want tell you about they will not work with me on no level they are very aggressive with everything they does. They report bad to credit reports quickly they don't care at all I always ask them for any kind of help or payment plans they tell me no no no they will never get my business again they only want money & to repo your car & add all kind of fees & don't tell u about it. now as of today they are threatening me with XXXX again I told these people I spent all my on paying for my divorce i also have other bills they said they can't help me or have any payment options for me at all I ask them can I pay on the XXXX of XXXX they sad no I'll be up for repo by then remind you the payment is due on the XXXX of month. What's 2 ' days later i really need your help to deal with this situation thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have a bunch of items that are old and incorrect items on my 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 explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
I have a bunch of items that are old and incorrect items on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX FL XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/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
Consumer complaint received 2025-06-15 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: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/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 explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
This is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries.

You are LEGALLY REQUIRED to block these items within XXXX business days of receipt : ACCOUNTS : FIRST COMMCU - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-06-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-15 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: NV

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Re : Request for Removal of Unauthorized Hard Inquiries Dear [ Equifax / Experian / TransUnion ], I am writing to formally dispute several hard inquiries that appear on my credit report. I reviewed my credit report recently and noticed that the following inquiries were made without my knowledge or authorization : Unauthorized Hard Inquiries : Creditor Name : [ global lending services ] Date of Inquiry : [ XX/XX/year> ] Creditor Name : [ XXXX XXXX ] Date of Inquiry : [ XX/XX/year> ] creditor name : [ XXXX XXXX XXXX XXXX date of Inquiry : XX/XX/year> XXXX XXXX XXXX date of inquiry XX/XX/year> stellantis financial/def date of inquiry XX/XX/year> ally financial date of inquiry XX/XX/year> prestige financial date of XXXX XXXX XXXX XXXX date of inquiry XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that I believe is inaccurate or unverified. I do not recall authorizing these credit checks and have never applied for credit with the listed companies. Therefore, I am requesting that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 

Please provide me with documentation that proves I authorized these inquiries. If you are unable to verify that I gave proper consent, I respectfully request that these hard inquiries be removed immediately from my credit profile. 

Attached are copies of my identification and a utility bill to confirm my identity and address. I would appreciate a written response within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your prompt attention to this matter.

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 2025-06-15 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: NV

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Re : Request for Removal of Unauthorized Hard Inquiries Dear [ Equifax / Experian / TransUnion ], I am writing to formally dispute several hard inquiries that appear on my credit report. I reviewed my credit report recently and noticed that the following inquiries were made without my knowledge or authorization : Unauthorized Hard Inquiries : Creditor Name : [ global lending services ] Date of Inquiry : [ XX/XX/year> ] Creditor Name : [ XXXX XXXX ] Date of Inquiry : [ XX/XX/year> ] creditor name : [ XXXX XXXX XXXX XXXX date of Inquiry : XX/XX/year> XXXX XXXX XXXX date of inquiry XX/XX/year> stellantis financial/def date of inquiry XX/XX/year> ally financial date of inquiry XX/XX/year> prestige financial date of XXXX XXXX XXXX XXXX date of inquiry XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that I believe is inaccurate or unverified. I do not recall authorizing these credit checks and have never applied for credit with the listed companies. Therefore, I am requesting that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 

Please provide me with documentation that proves I authorized these inquiries. If you are unable to verify that I gave proper consent, I respectfully request that these hard inquiries be removed immediately from my credit profile. 

Attached are copies of my identification and a utility bill to confirm my identity and address. I would appreciate a written response within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation