vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
I filed an FTC report and froze my credit reports. I am a victim of identity theft my personal info has been used to apply for accounts, get credit accounts and utilities in my name by using my social, birthdate and several names similar to mine but not mine. My information was stolen and has cause me lots of time to get things corrected. I'm making this report to have unauthorized activity, accounts, inquires and more block from my all credit bureaus immediately, My personal info was leaked in Experian, Transunion and XXXX XXXX XXXX XXXX. Once I pulled my credit and became aware I tried to file a claim and was told I was pass the deadline to file. This information is not linked to my transaction. The info below are all fraud. Please block and delete these unauthorized fraudulent accounts from my bureaus. I now have a freeze and credit monitoring in place. The only name thats correct is the XXXX on my license. Collections unauthorized I have no contract or wet ink signature accounts with these creditors. CXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not apply for any credit with these companies and they do not have a wet signature or contract between. 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX OPORTUN/PA XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: 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, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.XXXXXXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XXXX  XXXX XXXX XXXX Date of Inquiry XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint against Experian for continued reporting of inaccurate and materially incomplete information on my consumer report despite prior disputes. I disputed multiple accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX ), but Experian failed to conduct XXXX reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681g ( a ). 

XXXX investigation merely responded with consumer disagrees, while failing to remove unverifiable data, correct materially misleading reporting ( such as reporting accounts as both charged off and past due ), and not addressing 100 % utilization errors. 

I have submitted a detailed letter outlining these violations and demanding that Experian delete or correct all inaccurate information, provide method of verification, and comply with their FCRA duties. I request XXXX intervention in enforcing compliance, as XXXX actions mirror those in the CFPBs enforcement case against them ( CFPB v. 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 2025-06-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I want to report fraud on midland credit as they're debt is not valid. XXXX XXXX trained a judgement by sending Information to an old address and they do not have my name correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION regarding [ briefly describe the issue, e.g., an error in my credit report, unauthorized transaction, etc. ]. Despite my attempts to resolve this matter directly with the company, the issue remains unresolved. 



What I Am Requesting : I respectfully request that the CFPB investigate this matter and assist in reaching a fair resolution. Specifically, I would like [ state what you want : correction of an error, refund, written explanation, etc. ]. 

I have attached supporting documentation to assist in your investigation. 

Thank you for your time and assistance. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: PA

Complaint narrative:
I submitted a dispute to TransUnion regarding a late payment that appears on my credit report. However, the same creditor reports the payment as on time with XXXX, which indicates that the information listed by TransUnion is inconsistent and potentially inaccurate. 
TransUnion responded stating that the information was verified as accurate, but they did not provide any documentary evidence showing that the creditor specifically verified this payment as late. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to have information that is accurate, verifiable, and complete in my credit report. TransUnion has failed to correct or remove the inaccurate data, even after clear evidence of the inconsistency with another major credit bureau. 
This is negatively impacting my credit score and financial opportunities. I respectfully request the CFPB to intervene and ensure that TransUnion complies with its obligation to maintain accurate and verifiable 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 2025-06-22 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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: OH

Complaint narrative:
Delt the accts listed in my file acordin to the report. I'm an identity theft XXXX  and did not place the charg. Update my credit report. I have reported the theft with the Identity Theft Affidavit to the FTC. Delete the items immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: IL

Complaint narrative:
This letter serves as a formal dispute of inaccurate, outdated, and unverifiable information being reported on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit it is my understanding that you will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate Account 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I noticed several hard inquiries on my credit report that I did not authorize. These inquiries are from companies including XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. I did not request credit or take any action with these companies. Please investigate these inquiries and remove any that are not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: Global Lending Services LLC
State: VA

Complaint narrative:
XXXX XXXX recently suffered a major data breach including consumers ' names and SS numbers. Soon after I discovered incorrect information on my credit report. Records show that XXXX XXXX submitted consumer information to multiple lenders without permission. Data broker giant XXXX XXXX XXXX, a XXXXbased American data analytics company XXXX has revealed that attackers stole the personal information of over XXXX individuals in a XXXX breach. As disclosed in data breach notifications sent to affected people starting XX/XX/XXXX, XXXX was informed on XX/XX/XXXX that some of its data had been stolen from XXXX by an unknown threat actor using a compromised company account. Quote : " On XXXX, we learned that on XXXX, an unauthorized third party acquired certain XXXX data from a third-party platform used for software development. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I went to look at my credit to do a refinance on my home and I see there is a loan with XXXX XXXX  that I know nothing about. The account number on my credit report is XXXX. Can you all help me take this off im doing this by myself and can really use some help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mid-Atlantic Finance Co., Inc.
State: NC

Complaint narrative:
I am disputing inaccurate credit reporting by Mid Atlantic Finance regarding an auto loan originally issued by XXXX XXXX XXXX in XX/XX/XXXX for a XXXX XXXXXXXX XXXX ( VIN : XXXX ). 
The account reports incorrect information to XXXX and XXXX, including : An inflated balance that fails to reflect {$1400.00} in payments made to the original dealer ( XXXX XXXX XXXX ) prior to the loan being transferred. 
Only {$960.00} in payments are shown as credited, even though my credit union report ( XXXX ) shows {$2400.00} paid in total confirming the missing {$1400.00}. 
Incorrect delinquency reporting : No payments have been made since XX/XX/XXXX, yet the account is shown as only XXXX  days late in XX/XX/XXXX. This is inaccurate it was at least XXXX days late by then. 
Conflicting loan terms : XXXX reports a {$370.00} bi-weekly payment for XXXX  months, which is mathematically and contractually impossible. 

I submitted a certified dispute packet with all documentation, including the original contract, payment history, and a formal demand for correction or deletion. I also prepared a legal addendum ( Exhibit C ) explaining why the contract is void under NC usury laws ( XXXX was XXXX XXXX ). 

I am requesting deletion of this tradeline and appropriate legal resolution under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, I responded to a XXXX listing advertising a rental unit at XXXX XXXX, XXXX, XXXX. I communicated with an individual who claimed to be the property owner XXXX. After discussing the terms of the lease, I agreed to move forward and was provided instructions to send a payment via XXXX to secure the property. 
I sent the payment as requested. However, after the funds were transferred, the individual stopped responding. I received no key, and despite multiple attempts to contact them via phone and email, I have received no response. 
To verify the situation, I visited the apartment in person. I spoke to the current tenant, who stated that they had rented the property through a legitimate real estate agency, and their realtor is XXXX XXXX XXXX, XXXX. This confirmed that the person I was dealing with had no legal authority to rent the unit and that I had been the victim of a rental scam. 
Name : XXXX XXXX XXXX Email : XXXX Phone number : XXXX Name of Assistant : XXXX XXXX Email of Assistant : XXXX Name of Friend : XXXX XXXX XXXX Email : XXXX Name of the receiver of money ( XXXX XXXX : XXXX XXXX Email : XXXX He told me I will receive the key at XXXX XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: Crown Asset Management, LLC, Duluth, GA Branch
State: PA

Complaint narrative:
FRAUDULENT CREDIT REPORTING & LATE NOTICE VIOLATIONS Timeline : - Last payment made : XX/XX/year> - Account sold to Crown Asset Management : XX/XX/year> - Notice of sale : Dated XX/XX/year> but received months later - Current date : XX/XX/year> VIOLATIONS : 1. IMPOSSIBLE PAYMENT HISTORY : Credit reports show late payments occurring AFTER my final payment date of XX/XX/year>. This is mathematically impossible and constitutes fraudulent reporting. 

2. INCONSISTENT REPORTING : Different information reported to each bureau : - XXXX : {$7000.00} high credit, charge-off XX/XX/year> - XXXX  : {$7000.00} high credit, XXXX XX/XX/year> - XXXX  : {$3900.00} XXXX credit, charge-off XX/XX/year> 3. LATE NOTICE : Account sale notice dated XX/XX/year> was received months late, violating my right to timely notification and ability to dispute. 

4. FCRA VIOLATIONS : Furnishing known inaccurate information under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ). 

I have sent dispute letters to both XXXX ( XX/XX/year> ) and Crown Asset Management ( XX/XX/year> ) demanding deletion of fraudulent information. 

This fraudulent reporting is damaging my credit and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a XXXX of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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