vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-12 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-12 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: MS

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DLC, LLC
State: NV

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXXXXXX and # XXXX I am formally requesting to have the charges removed from my credit report the acct has been paid in full but it still being reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent an " Adverse Action Dispute and Request for Reconsideration '' letter to XXXX XXXX  whom denied me an extension of credit ( my own ) based on a reported 60-day delinquency from Equifax or other consumer reporting agencies as their primary and only listed reason. This denial is unjustified and constitutes a violation of several consumer protection laws and financial regulation. According to the bank, my application does not allow me to request a specific amount for the extension, but generates an amount that I would be eligible for based off what appears to be a secret and unknown algorithm, which puts in an adverse and compromising position in itself. My application went through and was denied on XX/XX/XXXX of 2025. I responded with letters of dispute to the bank, the OCC, CFO as well as their credit department, after several in person attempts to resolve the matter which were received on or about XX/XX/XXXX. The OCC referred me to the CFPB. 
The bank is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
I'm contacting you regarding an account that has been reported under my name without my authorization. Let me be absolutely clearthis account is not mine. It was opened without my knowledge or consent and represents unauthorized, fraudulent use of my personal identity.

I take the security of my personal information extremely seriously, and I did not authorize this account in any capacityno application, no approval, no usage. I am a victim of identity theft, and this fraudulent account is the direct result of that violation.

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 2025-06-12 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: LA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit card balances below are not correct and these accounts are paid in full. 

XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX + {$270.00} In good standing XXXX Reported : XXXXXXXX XXXX XXXX + {$1900.00} In good standing XXXX  Reported : XX/XX/year> + {$220.00} In good standing XXXX Reported : XX/XX/year> + {$360.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$130.00} In good standing XXXX Reported : XX/XX/year> + {$230.00} In good standing XXXX, XXXX Reported : XX/XX/year> + {$1600.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$4200.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$4100.00} In good standing XXXX Reported : XX/XX/year> + {$630.00} In good standing XXXX XXXX XXXX Reported : XX/XX/year> + {$2000.00} In good standing XXXX Reported : XX/XX/year> + {$21.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$5.00} In good standing XXXX Reported : XX/XX/year> + {$370.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$12.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$290.00} In good standing XXXX Reported : XX/XX/year> + {$570.00} In good standing XXXX  Reported : XX/XX/year> + {$520.00} In good standing

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 2025-06-12 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: AZ

Complaint narrative:
The significant stress and sleep disruptions stemming from this matter are particularly troubling, especially considering my consistent adherence to all payment deadlines associated with this account. It's disheartening to face issues for actions I haven't committed. I respectfully request a prompt resolution to this situation, ensuring my account accurately reflects the correct information and alleviates the undue strain it has caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding two unauthorized hard inquiries that have appeared on my credit report without my knowledge, initiation, or permissible purpose, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). These unauthorized inquiries are causing unjust damage to my credit profile and need to be investigated and permanently removed.

Accounts in Question : 1. XXXX XXXX o Date of Inquiry : XX/XX/XXXX o Issue : Hard inquiry appeared without my authorization. I never applied for any credit account or services from XXXXXXXX XXXX  during this period.

o Law Violated : FCRA Section 604 ( a ) ( 3 ) A consumer reporting agency may furnish a consumer report only if there is a permissible purpose.

FCRA Section 605B Any item resulting from identity theft must be blocked from appearing on a credit report. 
2. XXXX XXXX o Date of Inquiry : XX/XX/XXXX o Issue : I did not authorize or initiate any application for credit with XXXX XXXX. I had no interaction, application, or agreement with XXXX XXXX around that date. 
o Law Violated : FCRA Section 604 ( a ) ( 2 ) & ( a ) ( 3 ) Credit bureaus must ensure that inquiries are only made with consumer authorization or for legitimate business needs.

FCRA Section 616 & 617 Liability for willful or negligent noncompliance with FCRA requirements. 
Detailed Statement : These inquiries were placed on my credit file without any notification, consent, or interaction from my side. I never submitted any credit application to XXXX XXXX or XXXX XXXXXXXX on or around those dates. I believe these inquiries were either placed in error, as a result of an internal system issue, or may even be indicative of potential identity theft or unauthorized access to my personal information. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to be notified of and give consent for any inquiries into my credit history. The placement of these inquiries without proper authorization has led to a lowering of my credit score, and presents an inaccurate representation of my credit-seeking behavior.

Requested Resolution : Immediately investigate the unauthorized inquiries listed above. 
Permanently remove both unauthorized inquiries from all three credit bureaus ( Experian, Equifax, and TransUnion ). 
Take appropriate action against the institutions if found to be in violation of the FCRA. 
Provide written confirmation and documentation of the results of your investigation. 
Thank you for your attention to this matter. I am requesting swift action to correct these violations and protect 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
Consumer complaint received 2025-06-13 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:
To Whom It May Concern, I am filing this formal complaint regarding two unauthorized hard inquiries that have appeared on my credit report without my knowledge, initiation, or permissible purpose, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). These unauthorized inquiries are causing unjust damage to my credit profile and need to be investigated and permanently removed.

Accounts in Question : 1. XXXX XXXX o Date of Inquiry : XX/XX/XXXX o Issue : Hard inquiry appeared without my authorization. I never applied for any credit account or services from XXXXXXXX XXXX  during this period.

o Law Violated : FCRA Section 604 ( a ) ( 3 ) A consumer reporting agency may furnish a consumer report only if there is a permissible purpose.

FCRA Section 605B Any item resulting from identity theft must be blocked from appearing on a credit report. 
2. XXXX XXXX o Date of Inquiry : XX/XX/XXXX o Issue : I did not authorize or initiate any application for credit with XXXX XXXX. I had no interaction, application, or agreement with XXXX XXXX around that date. 
o Law Violated : FCRA Section 604 ( a ) ( 2 ) & ( a ) ( 3 ) Credit bureaus must ensure that inquiries are only made with consumer authorization or for legitimate business needs.

FCRA Section 616 & 617 Liability for willful or negligent noncompliance with FCRA requirements. 
Detailed Statement : These inquiries were placed on my credit file without any notification, consent, or interaction from my side. I never submitted any credit application to XXXX XXXX or XXXX XXXXXXXX on or around those dates. I believe these inquiries were either placed in error, as a result of an internal system issue, or may even be indicative of potential identity theft or unauthorized access to my personal information. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to be notified of and give consent for any inquiries into my credit history. The placement of these inquiries without proper authorization has led to a lowering of my credit score, and presents an inaccurate representation of my credit-seeking behavior.

Requested Resolution : Immediately investigate the unauthorized inquiries listed above. 
Permanently remove both unauthorized inquiries from all three credit bureaus ( Experian, Equifax, and TransUnion ). 
Take appropriate action against the institutions if found to be in violation of the FCRA. 
Provide written confirmation and documentation of the results of your investigation. 
Thank you for your attention to this matter. I am requesting swift action to correct these violations and protect my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

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 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 TX XXXX ACCOUNTS : INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$630.00} Open Date XX/XX/XXXX XXXX  Balance {$1700.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$350.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief