vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : 1. The following personal information is incorrect Previous Address ( es ) : XXXX LAKE XXXX XXXX XXXX XXXX GA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX AP XXXX GA XXXX 3. The inquiry was not authorized DIGITALFCU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

6. Potential Violations of the FCRA XXXX unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX  CARD Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Please remove this inaccurate information from my credit report. 

7. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit 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 non-monetary relief
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX  Transunion XXXX : These Inquiries Have No Permission Purpose To Be On My Report, Delete These Inquiries ImmediatXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CT

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 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 non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has violated 15 USC 1681b Permissable purpose of consumer reports Phila Gas works was previously removed off my credit profile as fraud months ago for some odd reason Experian placed said account back on my credit profile .Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted.

- A copy of my Identity Theft Report and proof of my identity.

- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information.1101

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 2025-04-26 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: TN

Complaint narrative:
I am filing this FTC Identity Thef t Affidavit to report multiple separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity thef t and fraud. These fraudulent accounts consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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 2025-04-27 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: 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: SC

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 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 non-monetary relief
Consumer complaint received 2025-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern, Re : Unauthorized Hard Inquiry Demand for Immediate Removal I am writing to notify you that an unauthorized credit inquiry by your company has been detected on my consumer credit file. I have no record of authorizing or consenting, either verbally or in writing, for you to access my credit report. You are in direct violation of the following federal laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : You are prohibited from obtaining a consumer report without a permissible purpose explicitly authorized by law and/or without my express written consent. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681q : It is a federal violation to knowingly and willfully obtain a consumer report under false pretenses. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681n and 1681o : You are liable for willful or negligent noncompliance with the FCRA, and subject to actual damages, punitive damages, and attorneys fees. Federal Trade Commission ( FTC ) Guidance : Pulling a consumer report without authorization constitutes an actionable violation under the FCRA. Because you have no permissible purpose and no legally valid authorization to access my consumer report, I am demanding the immediate deletion of your inquiry from my credit profile. If you fail to comply within 15 days of receipt of this letter, I will proceed with filing a demand for arbitration against your company under the rules of the XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX where I will seek : Statutory damages for each violation, Punitive damages, Costs of arbitration, Attorneys fees, And any other relief allowed under the law. Consider this your formal notice and final opportunity to resolve this matter amicably before escalation. Please send confirmation in writing that you have directed all consumer reporting agencies to remove the unauthorized inquiry. You may forward your response to my address listed above. Govern yourself accordingly. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am writing to dispute inaccurate information being reported on my credit file. 
The account in question is : Creditor Name : Affirm Inc Account Number : The credit report does not provide account numbers for the XXXX accounts. 
Reported Issue : Improper Repeated Charge-Off Reporting These accounts were charged off in XX/XX/XXXX. A charge-off is a one-time event and should not be updated or reported as a new charge-off each month. These accounts were reported as charge-offs from XX/XX/XXXX through XX/XX/XXXX. Continuing to report a recurring charge-off inaccurately portrays my payment history and misleads future creditors. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), information furnishers must provide accurate and complete information. Repeatedly reporting a charge-off as a new event violates this provision of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
We contacted TransUnion on or around XX/XX/XXXX and received an email from them stating that they were extending the investigation into a reinserted account reported by a third-party data furnisher on my credit report. Since then, they have not provided a proper response regarding the dispute or the reinvestigation of the account. Additionally, their timeframe to respond has passed according to the legal standards set by 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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX CREDENCE RESOURCE MANAGEMENTXXXX XXXX XXXX, XXXX XXXX, GA XXXX Subject : Cease and Desist Request Regarding Debt Collection To Whom It XXXX Concern, This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and I hereby request that you cease all communication with me regarding this matter, except as permitted by law.

Case law has affirmed my right to request the cessation of debt collection communications. In XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that a consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication that is not expressly permitted constitutes a breach of my rights under federal law. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) reinforces the consumers right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this notice may result in further legal action. This could include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights.

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly. 

I expect you to respect this request immediately. Failure to comply XXXX result in legal action to protect my rights. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-26 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: GA

Complaint narrative:
b'These items was not authorized by me, nor have I ever had any involvement with the creditor listed; under FCRA  611, I respectfully request that you reinvestigate these items, and if the information cannot be verified with sufficient documentation that clearly links it to me, it must be promptly removed from my credit report in accordance with federal law.XXXX XXXX XXXX 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 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing a charge-off account that I believe has been inaccurately reported and/or mishandled. The account was charged off without proper notice or validation, and I have not been provided with the original agreement, a detailed payment history, or evidence of the creditors legal right to collect or report the debt. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be accurate, complete, and verifiable, and under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of any debt that is being collected or reported. I am requesting that this account be thoroughly investigated and corrected or removed from my credit report if proper documentation and legal compliance can not be demonstrated. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7000.00}

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c ( a ) ( 1 ), I am formally requesting the removal of the bankruptcy entry from my credit report, as the maximum reporting period for a XXXX XXXX XXXX XXXX XXXX  years from the date of adjudication, and the continued presence of these accounts beyond that timeframe constitutes a violation of federal law ; furthermore, if the information is inaccurate, outdated, or unverifiable, it must be promptly deleted under 15 U.S. Code 1681i, which mandates that credit reporting agencies maintain only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I deposited a us treasury check into my savings account on XX/XX/XXXX for XXXX. I was told the deposit would be available on XX/XX/XXXX. Its not XXXX XXXX and the hold is still in place without any explanation. I wasnt even granted the standard XXXX allowed for deposits. Ive been a member of this bank since XXXX. Im frustrated because no one is giving me any information as to why and how long this process would take.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern, my credit score was decreased XXXX points for negligent payment history/ late payments to XXXX toward my Student Loan. I have been enrolled in a Student Loan Dept Forgiveness Program with XXXX since XXXX, XXXX. There should have been no reason my student loan caused my credit to decrease XXXX points when I was enrolled in a student loan debt forgiveness program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern, my credit score was decreased XXXX points for negligent payment history/ late payments to XXXX toward my Student Loan. I have been enrolled in a Student Loan Dept Forgiveness Program with XXXX since XXXX, XXXX. There should have been no reason my student loan caused my credit to decrease XXXX points when I was enrolled in a student loan debt forgiveness program.

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 2025-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: WA

Complaint narrative:
Hunter Warfield has initiated collections on a {$100.00} balance that resulted only after XXXX prematurely paid an unverified claim to the apartment complex. I was never given a chance to dispute the original amount or validate the debt before it was turned over to this agency. 
Hunter Warfield is now contacting me using intimidation tactics, including repeated emails and threats about credit damage, despite the fact that no receipts or legal documentation were ever provided to support the debt in the first place. 
Their actions violate the FDCPA and the FCRA, and this appears to be a continuation of a predatory pattern, as Ive had to fight past claims from them before.

Company response to consumer: Closed with explanation