vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: KY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I am submitting this complaint regarding Lendmark Financial Services due to aggressive and excessive collection contact despite my proactive communication about a late payment. 

On XX/XX/year>, I spoke with a representative named XXXX and informed him that I would be making a late payment on XX/XX/XXXX ( payment due on the XXXX ). On XX/XX/XXXX, I followed up with XXXX and updated her that I would instead be making the payment on XX/XX/XXXX, which is still within 30 days of the due date. I was told the account could not be held past XX/XX/XXXX. I clarified that I was not requesting a holdonly communicating my intent to pay. 

Later that same day, I visited the office to obtain my account number, which had not previously been provided. Upon doing a refinance, I was switched to paperless billing without my consent. I spoke with XXXX, who reiterated that the account could not be held and that my communication would not stop calls. I again clarified that I was not asking for forbearance or hardshiponly acknowledging the late payment and providing my payment plan in good faith.

Despite this, I received calls on XX/XX/XXXX and again on XX/XX/XXXX, including a voicemail from XXXX. When I returned her call, I recorded the conversation. During the call, XXXX stated directly that she would continue to call me every day unless I set up an immediate payment. I reminded her that I had already communicated my payment date and referenced my rights under the Consumer Financial Protection Bureaus guidance. She restated her intent to continue daily calls going forward until payment was made, and I ended the call.

According to federal guidelines, a servicer is not required to initiate live contact or issue delinquency notices if the borrower makes a late payment within the specified delinquency period. My communication on XX/XX/XXXX, confirming a XX/XX/XXXX payment, was well within that window and should have been honored.

Additionally, I was offered a hardship plan during my call with XXXX today XX/XX/XXXX, which I respectfully declined and thanked her for the offer, as I do not need assistanceonly the opportunity to make my XX/XX/XXXX payment without ongoing harassment. 

I am requesting that CFPB investigate this matter and require Lendmark Financial to cease unnecessary contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MA

Complaint narrative:
I am writing to dispute an inaccurate account listed on my Equifax credit report. The account in question is a XXXX XXXX credit card account, which is reported as charged off and closed by the credit grantor. I want to clearly state that this account was not opened by me, and I have no knowledge or affiliation with it. 

I contacted the furnisher ( XXXX XXXX ) directly to request validation of this account, but I have not received any verifiable documentation or adequate response confirming the accounts legitimacy or proving my responsibility for it. As this account appears to be the result of either identity theft or a reporting error, I am formally requesting that this item be immediately removed from my credit file under the provisions of 15 USC 1681 C-2 of the Fair Credit Reporting Act ( FCRA ). After having reached out multiple times, my credit report still has yet to be fixed. I have also not received any letters with a response. As I already reported. This account reported as opened on XX/XX/XXXX was not verified or approved by me and I demand the closed account as well as the {$600.00} of debit be removed from my credit report. According to 15 USC 1681 C-2, you have four days to remove this off of 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 explanation
Consumer complaint received 2025-07-02 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: MA

Complaint narrative:
I am writing to dispute an inaccurate account listed on my Equifax credit report. The account in question is a XXXX XXXX credit card account, which is reported as charged off and closed by the credit grantor. I want to clearly state that this account was not opened by me, and I have no knowledge or affiliation with it. 

I contacted the furnisher ( XXXX XXXX ) directly to request validation of this account, but I have not received any verifiable documentation or adequate response confirming the accounts legitimacy or proving my responsibility for it. As this account appears to be the result of either identity theft or a reporting error, I am formally requesting that this item be immediately removed from my credit file under the provisions of 15 USC 1681 C-2 of the Fair Credit Reporting Act ( FCRA ). After having reached out multiple times, my credit report still has yet to be fixed. I have also not received any letters with a response. As I already reported. This account reported as opened on XX/XX/XXXX was not verified or approved by me and I demand the closed account as well as the {$600.00} of debit be removed from my credit report. According to 15 USC 1681 C-2, you have four days to remove this off of 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 explanation
Consumer complaint received 2025-07-02 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX  and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-07-02 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed several times on the same account and got no where. The credit card was forgiven in 2022 and remained on my report anyway. I called several times to have it corrected unfortunately they gave me excuses as to why it had to remain on my report until the date it falls off. The original creditor told be that it should have been taken care of as they sent their reports to them showing it should have been removed. Both Eqifax and XXXX  had the same outcome. Did not take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health. According to 15 USC 1962 you have violated my right in lawful communications, please remove this collections/charge off 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 explanation
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health. According to 15 USC 1962 you have violated my right in lawful communications, please remove this collections/charge off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
In XXXX I disputed several hard inquiries and negative accounts on my TransUnion credit report that I did not authorize or that appeared inaccurate. Instead of conducting a proper investigation or verifying the information with the original creditors, TransUnion responded with a standard 502 Letter, which failed to resolve the dispute or confirm the accuracy of the reported items. 

This response violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct a reasonable investigation and delete any information that can not be verified. TransUnion was recently involved in a class action lawsuit ( XXXX v. TransUnion, LLC ) for these exact practicesfailing to investigate disputes properly and sending automated denial letters without reaching out to creditors. 

Even after my good-faith effort to correct these inaccuracies in XXXX, the disputed items are still negatively impacting my credit. I am asking for this issue to be escalated and for a thorough investigation to be conducted. All unverifiable or inaccurate entries should be permanently removed in compliance with the FCRA and the terms of the recent settlement.

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 2025-07-02 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:
In XXXX I disputed several hard inquiries and negative accounts on my TransUnion credit report that I did not authorize or that appeared inaccurate. Instead of conducting a proper investigation or verifying the information with the original creditors, TransUnion responded with a standard 502 Letter, which failed to resolve the dispute or confirm the accuracy of the reported items. 

This response violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct a reasonable investigation and delete any information that can not be verified. TransUnion was recently involved in a class action lawsuit ( XXXX v. TransUnion, LLC ) for these exact practicesfailing to investigate disputes properly and sending automated denial letters without reaching out to creditors. 

Even after my good-faith effort to correct these inaccuracies in XXXX, the disputed items are still negatively impacting my credit. I am asking for this issue to be escalated and for a thorough investigation to be conducted. All unverifiable or inaccurate entries should be permanently removed in compliance with the FCRA and the terms of the recent settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-07-02 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: CA

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

1681c-2 ) that you, the Equifax Information XXXX , 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 XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: MI

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-07-02 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: OH

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mullooly Jeffrey Rooney & Flynn
State: NJ

Complaint narrative:
I fully dispute the validity of the alleged XXXX XXXXXXXX XXXX XXXXXXXX. account showing a balance of {$13000.00}. I did not open this account, authorize its use, or have any involvement with it whatsoever. This account was fraudulently opened using my personal information without my knowledge or consent. I am a documented victim of identity theft, and this debt has absolutely nothing to do with me. Under 15 U.S.C. 1681c-2, I have the legal right to block any information on my credit report that stems from identity theft. The fact that Im being targeted and harassed over this fraudulent account that I am not the responsible party is both outrageous and unlawful. Let me be absolutely clear that under 18 U.S.C. 1028, using another persons identity to open accounts or obtain money is a federal crime. And under 15 U.S.C. 1681n and 1681o, any party whether creditor, debt collector, attorney, or reporting agency that knowingly or carelessly continues to associate me with this fake debt is subject to legal consequences, including statutory and punitive damages, legal fees, and full financial accountability. I am demanding the immediate and permanent dismissal of this case. This account should never have been linked to me in the first place. I refuse to allow my identity, my finances, or my credit file to be damaged by the careless actions of any party who failed to verify facts before taking action. Any further attempt to collect on this fraudulent account, to report it to a credit bureau, or to pursue legal claims against me will be treated as a willful and knowing violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. To the CFPB : I am requesting your urgent intervention. Please hold the data furnishers, debt collectors, and credit reporting agencies fully accountable for their role in this ongoing violation. I am asking for your help in enforcing the law and ensuring that this fraudulent debt is permanently removed from my record and that no further action is taken against me based on stolen personal information. 
This is my final notice. Remove this account, cease all collection activity, and terminate any legal claims immediately. Failure to do so will result in further complaints, legal action, and pursuit of all remedies available under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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