vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint & Dispute - Unauthorized Hard Inquiries - Violation of 15 U.S.C. 916811 & 816816 To Whom It May Concern, I am filing this formal complaint and dispute regarding several unauthorized hard inquiries appearing on my credit report, which are violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681b.

The following companies have pulled my credit without my written authorization or a permissible purpose as defined under 1681b : The following companies have pulled my credit without my written authorization or a permissible purpose as defined under 1681b : MB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I have no recollection of authorizing these entities to access my credit file. In fact, my personal information has been previously compromised in the Equifax data breach, which increases the likelihood of identity misuse. 


Under 15 U.S.C. 1681i, you are required to conduct a reinvestigation of any disputed information and delete it unless the furnisher can provide documented proof of authorization. If the credit bureaus can not provide my signed application or proof of permissible purpose under 1681b, these inquiries must be permanently removed from my report immediately.

Failure to remove unverified or unauthorized inquiries constitutes willful noncompliance under 15 U.S.C. 1681n, and I am prepared to pursue all available remedies, including filing additional complaints with the Federal Trade Commission, State Attorney General, and pursuing civil action if necessary. 

Please provide me with written confirmation of : The outcome of your investigation, Copies of all verification documentation provided by each furnisher, and An updated credit report reflecting the removal of the disputed inquiries. 


I have attached a copy of my government-issued ID and proof of address to assist with this investigation. 

Thank you for your prompt attention to this matter. I expect a full resolution within 30 days as required by law. 

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
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX - XX/XX/year> 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
My credit report contains incorrect and misleading items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

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 2025-10-14 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:
I dispute the reporting of accounts under my name that were not authorized by me. Please examine the matter closely and expunge the improper entries. Documentation is enclosed.

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 2025-10-14 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS :XX/XX/TD- 585 * * * * * * * * * * * * * * 816 VARO BANK NA - 451 * * * * * * 150 VERIZON - 227 * * * * * * * * * * * * 001

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 2025-10-14 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I am submitting this formal complaint regarding TRANSUNION s violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XXXX, I disputed several fraudulent accounts and provided TRANSUNION with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, TRANSUNION failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores TRANSUNION 's failure to uphold consumer protections under the FCRA.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against [ NAME OF CREDIT BUREAU ] for its continued violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( Maximum Possible Accuracy ) and 1681i ( Reinvestigation ) by reporting inaccurate, unverifiable, and conflicting Personal Identifying Information ( PII ) on my consumer file.

The presence of conflicting PII ( names, dates of birth, addresses, and employers ) on my report demonstrates a fundamental failure to maintain reasonable procedures to ensure the maximum possible accuracy of my file. This necessitates a full manual review and immediate deletion of all disputed PII.

I demand the immediate and permanent deletion of all items listed below : Inaccurate Personal Identifying Information Demanded for Deletion : If Filing Against XXXX XXXX XXXX XXXX ), use this section : WRONG ADDRESSES : The previous addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate and must be permanently deleted. 

ALIASES/WRONG NAMES : The incorrect name " XXXX XXXX XXXX XXXX XXXX be deleted. 

INCORRECT EMPLOYERS : The employment listings for " QUESTS GENETICS '' and " CLINIC GROWTH RESOURCES '' must be deleted. 

WRONG DOB : The incorrect or disputed date of birth " XXXX '' must be permanently deleted and cleared. 

If Filing Against Equifax, use this section : WRONG ADDRESSES : The inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  must be permanently deleted. 

ALIASES/WRONG NAMES : The alias/wrong name XXXX XXXX ( reported multiple times ) must be deleted.

INCORRECT EMPLOYERS : The employer QUESTS GENETICS ( associated with XXXX ) must be deleted.

WRONG DOB : All conflicting and inaccurate Date of Birth entries of XXXX ( multiple entries ) must be corrected to reflect only the current, verified date and the inaccurate entries deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this formal complaint against [ NAME OF CREDIT BUREAU ] for its continued violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( Maximum Possible Accuracy ) and 1681i ( Reinvestigation ) by reporting inaccurate, unverifiable, and conflicting Personal Identifying Information ( PII ) on my consumer file.

The presence of conflicting PII ( names, dates of birth, addresses, and employers ) on my report demonstrates a fundamental failure to maintain reasonable procedures to ensure the maximum possible accuracy of my file. This necessitates a full manual review and immediate deletion of all disputed PII.

I demand the immediate and permanent deletion of all items listed below : Inaccurate Personal Identifying Information Demanded for Deletion : If Filing Against XXXX XXXX XXXX XXXX ), use this section : WRONG ADDRESSES : The previous addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate and must be permanently deleted. 

ALIASES/WRONG NAMES : The incorrect name " XXXX XXXX XXXX XXXX XXXX be deleted. 

INCORRECT EMPLOYERS : The employment listings for " QUESTS GENETICS '' and " CLINIC GROWTH RESOURCES '' must be deleted. 

WRONG DOB : The incorrect or disputed date of birth " XXXX '' must be permanently deleted and cleared. 

If Filing Against Equifax, use this section : WRONG ADDRESSES : The inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  must be permanently deleted. 

ALIASES/WRONG NAMES : The alias/wrong name XXXX XXXX ( reported multiple times ) must be deleted.

INCORRECT EMPLOYERS : The employer QUESTS GENETICS ( associated with XXXX ) must be deleted.

WRONG DOB : All conflicting and inaccurate Date of Birth entries of XXXX ( multiple entries ) must be corrected to reflect only the current, verified date and the inaccurate entries deleted.

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 2025-10-14 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: NJ

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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: PA

Complaint narrative:
I am filing this complaint because XXXX is reporting a federal student loan to the credit bureaus that I did not apply for, authorize, or benefit from. I am a victim of identity theft, and this account was fraudulently opened using my personal information. Despite not having any association with this loan, it is negatively impacting my credit. I have attached a copy of my credit report showing the fraudulent XXXX account, along with my FTC Identity Theft Report. I have also contacted XXXX directly to report this fraud and requested they remove the account, but I have not received a satisfactory resolution. I am requesting that the CFPB investigate XXXX reporting practices in this case and ensure this fraudulent account is removed from my credit file. I also ask that XXXX cease any collection or servicing activity on this fraudulent account. I have taken all appropriate identity theft precautions, including placing fraud alerts and contacting the credit bureaus directly. Thank you for your help in resolving this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Experian. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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 2025-10-14 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial instituti
on clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. An
y other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a
consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: NC

Complaint narrative:
This company did not provide a ledger or account showing the account was not paid in the correct fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information
Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is advertising line of credit with a balance transfer promotion for Chase Slate credit cards. Advertisement does not clearly show that the balance transfer can only be used for card to card balance transfers. My intention was to use the balance transfer to payoff a loan, however I was not able to do so after applying and obtaining the line of credit with said restrictions.

Company response to consumer: Closed with explanation