vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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 reviewed my credit report and found XXXX accounts that I do not recognize, never applied for, and never authorized. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and attached the documentation. 

The fraudulent accounts are : XXXX Alleged balance {$110.00}, Account XXXX XXXX XXXX  Alleged balance {$690.00}, Account XXXX XXXXXXXX These accounts contain multiple reporting inconsistencies and violations under the Fair Credit Reporting Act ( FCRA ), including : Incomplete and inconsistent bureau reporting Both accounts are only being reported to TransUnion, with no record at XXXX XXXX XXXX. Under Metro 2 and FCRA guidelines, incomplete or selective reporting creates an inaccurate and misleading credit file. 

Lack of verifiable payment history Neither account shows any monthly payment records, yet they are reported as charge-offs, which is contradictory and unsubstantiated. 

Conflicting dates and activity The Date of Last Activity is reported years after the alleged Open Date and does not align with the absence of payment records. This is indicative of re-aging or improper account handling, a violation of FCRA 623 ( a ) ( 5 ).

Unverifiable debt origin No original creditor documentation, contract, or signed agreement has been provided, making the accounts unverifiable under FCRA 609
and 611.

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 2025-08-11 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Balance : {$1700.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 explanation
Consumer complaint received 2025-08-11 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED A ACCOUNT AND HARD INQUIRIES ON MY CREDIT REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED A ACCOUNT AND HARD INQUIRIES ON MY CREDIT REPORTS

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 2025-08-11 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-11 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
Spoke with XXXX XXXX advised me to contact creditor in order to remove unauthorized inquiry. I contacted creditor and they have no record of me. Advised me that removal is up to the XXXX  credit bureau. 

GM FINANCIAL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Hard inquiry on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Triton Recovery Group
State: SC

Complaint narrative:
Triton Recovery began attempting to collect on an alleged business loan debt, originally with an XXXX. Despite my lack of consent, they disclosed the alleged debt to one of my vendors and filed a XXXX lien that improperly listed both my business and another business address that is not mine.

This lien directly caused my vendor to withhold several months of payments. The withheld funds created severe cash flow issues, forcing me to lay off employees, fall behind on rent, and ultimately lose my office space. The vendor also canceled our contract, resulting in permanent loss of income and clients.

Triton Recoverys actions appear to violate the Fair Debt Collection Practices Act and related state laws, including : 805 ( b ) Communicating with third parties about the debt without my consent.

806 Harassing or abusing through repeated calls after being told they were not speaking to me.

807 Using false, deceptive, or misleading representations in connection with debt collection. 

Filing a XXXX lien that was not legally justified, given that the debt had already been placed with a third-party collector.

These actions caused significant financial harm, reputational damage, and business loss. I am requesting that Triton Recovery : Cease all improper contact. 

Remove the XXXX lien and any related filings made against my business or personal name. 

Provide written confirmation that they will not contact any third parties about this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX Subject : Unauthorized Credit Inquiries Demand for Proof of Permissible Purpose or Immediate Removal Under FCRA 605B ( Identity Theft ) Dear Sir or Madam, I am writing to formally dispute multiple unauthorized credit inquiries listed on my Experian credit report. The inquiries in question are as follows : XXXX XXXX XXXX dated XX/XX/year> TRANSUNION XXXX dated XX/XX/year> XXXX XXXX XXXX dated XX/XX/year> I have never applied for credit, products, or services with any of these companies, nor have I provided written or verbal authorization for them or any affiliated entities to access my credit information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency or any party accessing a consumers credit file must have a permissible purpose, such as the consumers written authorization or a credit application initiated by the consumer. None of these inquiries meet these legal requirements.

Additionally, pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which provides protections related to identity theft, I am requesting immediate action on these inquiries because I have reason to believe they may be the result of identity theft or unauthorized access.

Therefore, I demand the following : 1. Proof of Permissible Purpose : Provide documented evidence demonstrating your lawful basis to access my credit file for each of these inquiries, including but not limited to any signed credit applications or valid written authorizations bearing my signature.

2. Removal of Unauthorized Inquiries : If you fail to provide such proof within 30 days, you are required under the FCRA to delete these inquiries from my credit file maintained by Experian.

3. Written Confirmation : Upon removal of these unauthorized inquiries, I demand written confirmation sent to my address above verifying the deletion and resolution of this matter.

Please be advised that failure to comply with this request is a violation of the Fair Credit Reporting Act and may result in regulatory or legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX Subject : Unauthorized Credit Inquiries Demand for Proof of Permissible Purpose or Immediate Removal Under FCRA 605B ( Identity Theft ) Dear Sir or Madam, I am writing to formally dispute multiple unauthorized credit inquiries listed on my Experian credit report. The inquiries in question are as follows : XXXX XXXX XXXX dated XX/XX/year> TRANSUNION XXXX dated XX/XX/year> XXXX XXXX XXXX dated XX/XX/year> I have never applied for credit, products, or services with any of these companies, nor have I provided written or verbal authorization for them or any affiliated entities to access my credit information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency or any party accessing a consumers credit file must have a permissible purpose, such as the consumers written authorization or a credit application initiated by the consumer. None of these inquiries meet these legal requirements.

Additionally, pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which provides protections related to identity theft, I am requesting immediate action on these inquiries because I have reason to believe they may be the result of identity theft or unauthorized access.

Therefore, I demand the following : 1. Proof of Permissible Purpose : Provide documented evidence demonstrating your lawful basis to access my credit file for each of these inquiries, including but not limited to any signed credit applications or valid written authorizations bearing my signature.

2. Removal of Unauthorized Inquiries : If you fail to provide such proof within 30 days, you are required under the FCRA to delete these inquiries from my credit file maintained by Experian.

3. Written Confirmation : Upon removal of these unauthorized inquiries, I demand written confirmation sent to my address above verifying the deletion and resolution of this matter.

Please be advised that failure to comply with this request is a violation of the Fair Credit Reporting Act and may result in regulatory or legal action.

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 2025-08-11 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:
Applications have been made in my name without my knowledge or consent. I do not recognize these fraudulent inquiries, nor have I authorized them. As a result, my credit report was accessed by these companies, negatively impacting my credit score. 

I previously contacted the bureau, and a representative assured me these inquiries would be deleted. However, they still appear on my report, causing unnecessary stress and harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
Chase is engaging in two unlawful practices with my Chase XXXX Credit Card : ( 1 ) Misapplying payments on my XXXX XXXX promotional balance in violation of Regulation Z 1026.53 and the Truth in Lending Act ; and ( 2 ) Harassing me with false late-payment claims despite my account being current, which may violate UDAAP and the Fair Credit Reporting Act. 

( A ) Improper Payment Allocation : I have an XXXX XXXX promotional balance ( currently {$68.00} ) scheduled to end XX/XX/year>. Each month I pay the required XXXX XXXX installment ( via autopay ) and separately pay off all new purchases in full. Despite this, Chase applies extra payments toward the 0 % promo balance instead of the higher APR purchase balance. Regulation Z requires excess payments above the minimum be applied to the balance with the highest APR first. This allocation accelerates payoff of the promo balance and will cause me to lose the 0 % APR period earlier than disclosed, resulting in unexpected interest charges.

( B ) False Late Payment Allegations/ Harassment : On multiple occasions, Chase has contacted me claiming my account is late even though I was current and had made the required payments on time. This creates stress, wastes time, and could harm my credit if reported. If false information is furnished to credit bureaus, it would violate the FCRA. Even without reporting, repeated false delinquency claims are an unfair and deceptive act under the Consumer Financial Protection Act. 

Evidence : Account statements from XXXX XXXX showing the XXXX XXXX balance, scheduled payoff date, autopay installments, full payoff of purchases, and Chases misallocation of payments ; records/logs of calls and messages alleging late payment despite proof of timely payment ; screenshots showing current status during periods they claimed I was late. 

Harm : Loss of 0 % APR protection earlier than promised, potential unexpected interest charges, emotional distress, and potential damage to credit score. This appears to be a systemic practice that could impact many cardholders.

Requested Resolution : ( 1 ) Stop misallocation of payments and apply excess to the highest APR balance as required by law ; ( 2 ) Ensure the promotional balance remains active until the stated end date unless I direct otherwise ; ( 3 ) Cease false delinquency claims and harassment ; ( 4 ) Reverse any interest or fees caused by these issues ; ( 5 ) Investigate and audit other accounts for similar misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MD

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
Consumer complaint received 2025-08-11 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: Informative Research
State: NC

Complaint narrative:
Hello the following inquires are being reported on my credit report and I have not authorized these companies nor do I have an active account with them. 

XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
FCRA VIOLATIONS ARE ALL OVER THIS ACCOUNT EQUIFAX, TRANSUNION, AND XXXX XXXX CAN NOT DENIED OF THE EVIDENCE I HAVE ON BOTH INVESIGATIONS DISPUTES FROM THE CREDIT BUREAUS AND THE CREDITOR INFORMATION THAT CAME BACK FROM THE DISPUTES ARE SAME AS CASE : Consumer Financial Protection Bureau, Plaintiff, vs.

Experian Information Solutions , Inc., Defendant. Case Number : 8:25-cv-24

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, my PayPal account was hacked, and an unauthorized XXXX XXXX bank accountone I do not own or have any affiliation withwas added to my PayPal profile. The hacker transferred {$2400.00} from my PayPal balance to that XXXX XXXX account without my permission. The transaction ID for this transfer is XXXX. I reported this immediately and filed a dispute with PayPal. However, PayPal denied my claim, stating the bank account is in my name, which is incorrect. I have never had a XXXX XXXX account. Despite this, my funds have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
once again for TransUnion to remove the bankruptcy account from my credit report on the grounds they could not verify it, could not show proof that it belongs to me. Even when I spoke to TransUnion they agreed to remove it from my credit report but has yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NJ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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