vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
This loan company Aidvantage has recently taking over this loan in the last year and they are already reporting false information to the credit bureaus. I have worked extremely hard to raise my credit score up. However, dealing with Aidvantage in the past year with their negative reporting my score has dropped tremendously. They have been reporting on loans that should be in an inschool deferment because these loans were parent plus loans. Both XXXX  XXXX  are in XXXX XXXX, yet Aidvantage has been reporting these loans in a negative stance as well as charging me interested. I spoke to them numerous times to correct the problem but they have refused to do so. I need my credit score back in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Per 15 USC 1681b, I did not authorize this hard inquiry nor was there a permissible purpose for it. Please remove it from my credit report immediately or provide proof of my written authorization.

Under 15 USC 1681i, I am disputing inaccurate reporting. Your agency has failed to properly update my credit profile after previous disputes or deletions. This is a violation of your duty to maintain accuracy.

Pursuant to 15 USC 1681e ( b ), you are required to ensure maximum accuracy. My credit file still reflects inaccurate, outdated, or disputed information that has not been properly updated, affecting my credit score unfairly.

15 U.S. Code 1681b Permissible Purposes of Consumer Reports Hard inquiries must be made only with a permissible purpose ( e.g., applying for credit, insurance, employment, etc. ). 
If a creditor pulls your credit report without your permission or a legitimate reason, its a violation. 

Transunion : XXXX XXXX : XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX : XXXX. XXXX, 2025 XXXX XXXX : XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Equifax : XXXX XXXX : XXXX. XXXX, XXXX  Experian : XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Per 15 USC 1681b, I did not authorize this hard inquiry nor was there a permissible purpose for it. Please remove it from my credit report immediately or provide proof of my written authorization.

Under 15 USC 1681i, I am disputing inaccurate reporting. Your agency has failed to properly update my credit profile after previous disputes or deletions. This is a violation of your duty to maintain accuracy.

Pursuant to 15 USC 1681e ( b ), you are required to ensure maximum accuracy. My credit file still reflects inaccurate, outdated, or disputed information that has not been properly updated, affecting my credit score unfairly.

15 U.S. Code 1681b Permissible Purposes of Consumer Reports Hard inquiries must be made only with a permissible purpose ( e.g., applying for credit, insurance, employment, etc. ). 
If a creditor pulls your credit report without your permission or a legitimate reason, its a violation. 

Transunion : XXXX XXXX : XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX : XXXX. XXXX, 2025 XXXX XXXX : XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Equifax : XXXX XXXX : XXXX. XXXX, XXXX  Experian : XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2025

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 2025-04-15 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: IL

Complaint narrative:
On XX/XX/year>, I completed what was clearly advertised and labeled as a soft credit pull for prequalification through the companys online platform. The offer explicitly stated that it would not affect my credit score and would not result in a hard inquiry.

Despite this, shortly after submitting the prequalification, I noticed a hard inquiry was reported to my credit file without my consent or prior warning. This inquiry was not authorized for a full credit application or approvalit was only for a prequalifying review. 

This action directly contradicts the terms presented to me at the time of submission and resulted in an unnecessary and harmful impact on my credit profile. I did not proceed with a full application and did not give authorization for a hard inquiry. 

I am requesting that this unauthorized inquiry be removed from my credit report and that the company be held accountable for failing to follow fair and transparent consumer practices. 

Below is the link to ths offer : XXXXXXXX XXXX XXXX XXXX XXXX Smartly Visa Signature Card See if you're pre-approved for the Smartly card without affecting your credit score

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 2025-04-15 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am writing to formally request your assistance with a matter that has significantly damaged my credit score through unauthorized and repeated credit inquiries made by XXXX XXXX of XXXX XXXX. 

On XX/XX/year>, I purchased a vehicle from XXXX XXXX. I was informed by my sales representative and finance manager that my financing was finalized ; as a result, I received my paperwork and took possession of the vehicle. Soon after, on XX/XX/year>, and over the following weeks, I provided the requested additional documentation ( VIN, insurance details, etc. ) without knowing that my loan approval had never been submitted to Bank XXXX XXXX. 

Due to multiple errors on the dealerships partincluding misrepresentations regarding financing finalization and repeated, unauthorized credit pullsseveral ( XXXX in total ) credit inquiries were made without my consent. Despite my clear instructions to halt further inquiries ( and my decision to return the vehicle on XX/XX/year> ), these inquiries were not stopped. As a result, my XXXX XXXX has dropped by approximately XXXX points. I have retained all evidence of my communications with the dealership, including emails, text messages, and call recordings that demonstrate : The dealerships misrepresentation that my loan was finalized when, in fact, it was never approved ; My request to stop further credit inquiries ; and The unauthorized re-submission of my credit information despite my efforts to correct the situation. 

This series of events appears to be in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure that disputed information is investigated and corrected if inaccurate or unauthorized. Additionally, repeated unauthorized inquiries may be considered a violation of my rights under the FCRA and state consumer protection laws.

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 2025-04-15 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: PNC Bank N.A.
State: CA

Complaint narrative:
I am writing to formally request your assistance with a matter that has significantly damaged my credit score through unauthorized and repeated credit inquiries made by XXXX XXXX of XXXX XXXX. 

On XX/XX/year>, I purchased a vehicle from XXXX XXXX. I was informed by my sales representative and finance manager that my financing was finalized ; as a result, I received my paperwork and took possession of the vehicle. Soon after, on XX/XX/year>, and over the following weeks, I provided the requested additional documentation ( VIN, insurance details, etc. ) without knowing that my loan approval had never been submitted to XXXX XXXX XXXX 

Due to multiple errors on the dealerships partincluding misrepresentations regarding financing finalization and repeated, unauthorized credit pullsseveral ( XXXX in total ) credit inquiries were made without my consent. Despite my clear instructions to halt further inquiries ( and my decision to return the vehicle on XX/XX/year> ), these inquiries were not stopped. As a result, my credit score has dropped by approximately XXXX points. I have retained all evidence of my communications with the dealership, including emails, text messages, and call recordings that demonstrate : The dealerships misrepresentation that my loan was finalized when, in fact, it was never approved ; My request to stop further credit inquiries ; and The unauthorized re-submission of my credit information despite my efforts to correct the situation. 

This series of events appears to be in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure that disputed information is investigated and corrected if inaccurate or unauthorized. Additionally, repeated unauthorized inquiries may be considered a violation of my rights under the FCRA and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: LA

Complaint narrative:
Equifax, This account was charged off on XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights! I am demanding a deletion of the following Account : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: AL

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : ACCOUNTS : 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 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 explanation
Consumer complaint received 2025-04-15 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:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : ACCOUNTS : 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 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 2025-04-15 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: GA

Complaint narrative:
XXXX XXXX XXXX Social Security XXXX : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX * * * * BALANCE : {$780.00}, XXXX XXXX XXXX * * BALANCE : {$13000.00}, XXXX XXXX * XXXX XXXX {$0.00}, XXXX XXXX XXXX * * * * BALANCE {$1800.00}, XXXXXXXX XXXX XXXX XXXXXXXX * * * * BALANCE {$18000.00}, XXXX XXXXXXXX * * * * BALANCE {$15000.00}XXXX XXXX XXXX XXXX * * * * BALANCE {$16000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-04-15 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: MI

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-04-15 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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 my final demand to delete the following invalid and unverified negative account that continues to be reported on my credit report, despite multiple attempts to have this corrected : XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurate, unverified, and being reported without proper validation or authorization. I have no signed agreement or legally binding obligation tied to this account. Despite my previous disputes, You have failed to provide sufficient documentation proving the accuracy or legitimacy of this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter serves as my final demand to delete the following invalid and unverified negative account that continues to be reported on my credit report, despite multiple attempts to have this corrected : XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurate, unverified, and being reported without proper validation or authorization. I have no signed agreement or legally binding obligation tied to this account. Despite my previous disputes, You have failed to provide sufficient documentation proving the accuracy or legitimacy of this item.

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 2025-04-15 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. CXXXX  XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: HI

Complaint narrative:
I am submitting this report due to information that should not be on my credit report. Equifax verified there was an error in their system that caused my personal information to be leaked and used. I have been denied and need this to be rectified and completed within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from Portfolio Recovery for what is purported to be a XXXX XXXX Account. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan.

Company response to consumer: Closed with explanation