vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Inquiries I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I believe these inquiries were made without my consent, and I request that they be investigated and removed.

The inquiries I am disputing are as follows : 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 According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. These inquiries were not authorized by me, and I did not apply for credit with the companies listed above.

I kindly ask that you investigate these inquiries and remove them from my credit report. Additionally, please provide me with a copy of any documentation regarding these inquiries.

I have enclosed copies of my identification and any relevant documents that support my claim. If you need further information, please feel free to contact me at the phone number or email address listed above.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and provide me with an update regarding the status of my dispute within 30 days.

Thank you for your cooperation.

Sincerely, 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>XXXX  I attempted to sign up for XXXXXXXX XXXX  premium service and was denied due to Equifax having a block on my credit report which I was not notified about. Upon calling Equifax they notified me that access to my credit file had been blocked but could not tell me why. They did inform me that I had to send in a copy of my social security card and ID along with a cover letter to get them to unblock it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX respectively my direct deposits from the Department of Veterans affairs and the Social Security Administration were deposited into my Chase bank account. The financial institution informed me that they were closing my account. Iwas informed that when the account was closed the remaining balance will be mailed to me. The account was closed on the XXXX of XXXX. As of today, XX/XX/year>, the remaining balance has not been returned to me. I continuously receive conflicting information from the customer service representatives and managers. The last erroneous information I received was that the company mailed my check on th XXXX of XXXX. This was not so. Today I spoke to another manager and was informed that there is nothing I can do but wait. I am a XXXX veteran with this fixed income that has not been returned to me. I am now being faced with an eviction. I had no recourse but to submit this complaint in hopes that my remaining balance of approximately {$5500.00} will be returned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
This complaint concerns two inaccurately reported late payments currently appearing on both my Equifax and XXXX credit reports. These derogatory marks are tied to the following accounts : XXXX XXXX XXXX XXXX XXXX These late payment notations are factually incorrect and remain unverified despite prior attempts to have them reinvestigated and corrected under the Fair Credit Reporting Act ( FCRA ). 

These accounts were either paid, in good standing, or otherwise reported with an erroneous delinquency date that does not align with the true payment history. To be clear, I am not alleging identity theft ; these errors appear to be the result of mishandling or inaccurate reporting, possibly stemming from the wide-scale data breaches that have compromised millions of consumer records in recent years. I do not and will not authorize a fraud alert to be placed on my file, as I have done nothing wrong. The problem lies in how these accounts were verified or, more accurately, not verified before being furnished to the credit bureaus. 

Under 15 U.S.C. 1681i of the FCRA, a consumer reporting agency is legally required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy. The continued reporting of these late payments without clear substantiation from the original creditors represents a failure to comply with both of these obligations. I have not received any proof that either XXXX or XXXX provided verified documentation justifying the derogatory entries. If these agencies can not produce billing statements, payment histories, or any legitimate evidence that validates the exact dates and nature of the delinquencies, they have no legal basis to publish this damaging information. 

These errors are not only misleading but materially harmful to my creditworthiness and my ability to secure fair financial opportunities. They unfairly portray me as delinquent when I am not, and every day they remain on my report is a continued violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was exposed in the XXXX data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : department of education XX/XX/XXXX, department of education XX/XX/XXXX. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-06-26 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : department of education XX/XX/XXXX, department of education XX/XX/XXXX. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NV

Complaint narrative:
This complaint concerns inaccurate personal identifying information currently being reported on my TransUnion credit file. Specifically, TransUnion is publishing an Also Known As section that falsely lists the names XXXX, XXXX, and XXXX as aliases or alternative identities associated with me. These names are incorrect, misleading, and not legally or personally connected to me in any capacity. My one and only legal name is XXXX XXXX, and any deviation from that is factually inaccurate and should not appear on my consumer file. 

I have never used or authorized the use of any of these alternate names. They do not appear on any official documents, credit applications, or legal records connected to me. The presence of these names likely stems from sloppy data merging practices, third-party furnishing errors, or systemic inaccuracies in recordkeeping, possibly further compounded by past data breaches. These errors are not the result of fraud, and I do not consent to any fraud alert being placed on my file. The issue here is the failure to maintain accuracy and the lack of adequate verification processes by TransUnion. 

The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they report. Additionally, 15 U.S.C. 1681i requires agencies to promptly and thoroughly reinvestigate any information disputed by a consumer. TransUnions continued publication of these false aliases violates both of these legal standards and misrepresents my identity to lenders, insurers, and other third parties who rely on this data.

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 2025-06-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NV

Complaint narrative:
This complaint addresses two hard inquiries appearing on my Equifax credit file that I did not initiate, authorize, or consent to at any time. The inquiries in question are from XXXX, dated XX/XX/XXXX, and XX/XX/XXXX. I did not apply for credit with XXXX or any related entity on or around either of those dates, and I have no business or financial relationship with them that would justify a credit pull through Equifax. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report when there is a clear and permissible purpose such as a legitimate, consumer-initiated credit transaction. I have never given XXXX consent to access my credit file, and Equifax has failed to provide any verifiable documentation showing that these inquiries were authorized or tied to a valid application for credit. 

The presence of these inquiries on my Equifax report is not only unauthorized but also harmful to my credit profile, as they inaccurately suggest credit-seeking behavior that never occurred. These entries unfairly lower my credit score and misrepresent my financial activity. It is important to clarify that this is not an instance of identity theft, and I do not authorize a fraud alert to be placed on my report. These entries are more likely the result of poor data handling practices, outdated systems, or the downstream effects of national data breaches. Regardless of the root cause, the continued presence of these inquiries without proper documentation is both unlawful and unacceptable. 

Equifax has a legal responsibility under 15 U.S.C. 1681i to conduct a reasonable reinvestigation of disputed information and under 15 U.S.C. 1681e ( b ) to ensure all information in a consumers file is maintained with maximum possible accuracy. Failing to provide documentation from XXXX such as a signed application, digitally authenticated request, or clear consent constitutes a violation of both these sections of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
Complaint Regarding Fraudulent Charge-Off Account Reported by XXXX XXXX XXXX  Dear CFPB Representative , I am submitting this complaint regarding a fraudulent account that has been reported on my credit file by XXXX XXXX XXXX . The account was allegedly charged off in XX/XX/year>, but I have never opened or authorized any account with this company. 

Despite contacting the credit bureaus and disputing this account, the information remains on my credit report and is negatively impacting my credit score and overall financial standing.

Details of the fraudulent account : Creditor : XXXX XXXX XXXX Account Number : [ Insert if known ] Status : Charged-Off Date Reported : XX/XX/year>XXXX  This account is not mine, and I believe it is the result of identity theft or a serious reporting error. I have also submitted formal disputes with XXXX, XXXX, and XXXX  and have provided documentation, including my identification and proof of address.

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 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
When I purchased the call on XX/XX/year>, I advise the salesman that there was a dangerous recall on the car but he shrugged his shoulders and said well you have to contact the manufacturer about that because we don't handle the recalls. As soon as I signed that contract, they no longer cared what happens as long as they get their money from you. I called and advised the customer support team that due to the recall and the other issues that the car had, the car needed to go into the shop but I needed to rent a car ( dealership will not provide a loaner ) so that I can get back and forth to work. I asked them if I could pay a little less so that I can rent the car, but they refused, said that I would need to provide them documentation showing receipts that I paid for a loaner, but that I would still be paying the loan payment. Again, I told them that I can't afford to put the car in the garage if I still had to pay full payments. These buy here pay here car lots take advantage of people and lie to them so that they can take their money. Heck, the salesman was even a bully. Made me think that I didn't have options for other places. He wouldn't even show me the cheaper cars on the lot that I asked to see. Yes, I should have walked away, but I needed a car to survive Also they changed my payment that I agreed to without advising me of the change. When I asked them, they said that is their right and they don't have to get permission to change the amount that they are drafting from my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief