vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute and request the removal of fraudulent information that has appeared on my credit report as a result of a recent data breach and identity theft. 
I recently became aware of unauthorized accounts and/or inquiries that do not belong to me and were opened without my knowledge or consent. These items are severely affecting my credit profile and are a direct result of my personal information being compromised. 
The following information is fraudulent and must be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX 
Date XXXX {$520.00} Creditor Name : XXXX XXXX XXXX Date XXXX {$360.00} XXXX XXXX XXXX  Date XXXX {$160.00} Creditor Name : XXXX XXXX. Date XXXX {$480.00} Creditor Name : XXXX XXXX Date XXXX {$710.00} Creditor Name : XXXX XXXX : Date XXXX : XX/XX/year> {$1100.00} Enclosed are the following supporting documents : FTC Report Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and remove these fraudulent entries from my credit report. Please provide a written confirmation of your investigation and resolution within 10 days, as required by law. 

If you need any additional information from me, please contact me at the information listed above. 

Thank you for your prompt attention to this serious matter.

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 2025-06-24 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: GA

Complaint narrative:
I am writing to formally dispute and request the removal of fraudulent information that has appeared on my credit report as a result of a recent data breach and identity theft. 
I recently became aware of unauthorized accounts and/or inquiries that do not belong to me and were opened without my knowledge or consent. These items are severely affecting my credit profile and are a direct result of my personal information being compromised. 
The following information is fraudulent and must be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX 
Date XXXX {$520.00} Creditor Name : XXXX XXXX XXXX Date XXXX {$360.00} XXXX XXXX XXXX  Date XXXX {$160.00} Creditor Name : XXXX XXXX. Date XXXX {$480.00} Creditor Name : XXXX XXXX Date XXXX {$710.00} Creditor Name : XXXX XXXX : Date XXXX : XX/XX/year> {$1100.00} Enclosed are the following supporting documents : FTC Report Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and remove these fraudulent entries from my credit report. Please provide a written confirmation of your investigation and resolution within 10 days, as required by law. 

If you need any additional information from me, please contact me at the information listed above. 

Thank you for your prompt attention to this serious matter.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am filing this complaint to formally dispute and request immediate removal of inaccurate and unauthorized collection accounts that have been reported to my credit file by XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX across Experian, TransUnion, and Equifax. These accounts are not mine, and their continued presence on my credit reports is not only erroneous but a clear violation of my rights under federal law. 

Despite prior disputes and requests for investigation, these accounts remain on my credit file without proper validation or verification. This is in direct violation of the following l

aws : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. Section 1681i : Cr
edit reporting agencies must conduct a reasonable investigation of any disputed information and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. 

Section 1681e ( b ) : Credit reporting agencies must maintain reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 

Violation : The accounts listed by XXXX XXXX and XXXX XXXX  remain on my report despite being inaccurate and unverified. 

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Section 1692e ( 8 ) : Debt collectors must not report information they know or should know is false, including failing to communicate a debt is disputed.

Section 1692g : Debt collectors must send a written validation notice within 5 days of initial communication and cease collection activity until they validate the debt upon request. 

Violation : I never received proper validation for these debts, and the collection agencies continue to report to the bureaus without satisfying this legal requirement. 


These inaccuracies have caused serious harm to my credit profile and are interfering with my ability to secure housing, financial services, and employment opportunities. I respectfully ask that you investigate this matter urgently and ensure that my consumer rights are protected.

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 2025-06-24 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: CT

Complaint narrative:
Subject : Credit Report Discrepancy Complaint Dear Sir/Madam, I am writing to file a formal complaint regarding discrepancies in my credit report. I have noticed several unauthorized inquiries and incorrect late payment reports, which I believe are inaccurate and inappropriate. Despite contacting the responsible companies, no action has been taken to correct these errors. 

Details of the Discrepancies : Date : XX/XX/XXXX Company : XXXX XXXX Credit Bureau : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Credit Bureau : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Credit Bureau : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Credit Bureau : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Credit Bureau : XXXX  Date : XX/XX/XXXX Company : XXXX Credit Bureau : XXXX  Date : XX/XX/XXXX Company : XXXX Credit Bureau XXXX XXXX Date : XX/XX/XXXX Company : XXXX  XXXX Credit Bureau : XXXX  Date XXXX XX/XX/XXXX Company : XXXX  XXXX Credit Bureau XXXX XXXX  Date : XX/XX/XXXX Company : XXXX  XXXX Credit Bureau XXXX XXXX  Date XXXX XX/XX/XXXX Company : XXXX XXXX XXXX  Credit Bureau XXXX XXXX  Date : XX/XX/XXXX Company : XXXX Credit Bureau : XXXX  Date XXXX XX/XX/XXXX Company : XXXX XXXX Credit Bureau XXXX XXXX  Date XXXX XX/XX/XXXX Company : XXXX Credit Bureau : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Credit Bureau : XXXX  I have made several attempts to resolve this issue directly with the involved companies, but I have not received a satisfactory response or seen any corrections made to these erroneous reports. The inquiries listed were not authorized by me, and the late payments reflected are inaccurate. 

Request : I request that you investigate this matter and take the necessary actions to correct the discrepancies in my credit report. I have attached a copy of my credit report, which shows the unauthorized inquiries and incorrect late payments, as well as any other relevant documentation. 

I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CT

Complaint narrative:
Subject : Credit Report Discrepancy Complaint Dear Sir/Madam, I am writing to file a formal complaint regarding discrepancies in my credit report. I have noticed several unauthorized inquiries and incorrect late payment reports, which I believe are inaccurate and inappropriate. Despite contacting the responsible companies, no action has been taken to correct these errors. 

Details of the Discrepancies : Date : XX/XX/XXXX Company : XXXX XXXX Credit Bureau : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Credit Bureau : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Credit Bureau : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Credit Bureau : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Credit Bureau : XXXX  Date : XX/XX/XXXX Company : XXXX Credit Bureau : XXXX  Date : XX/XX/XXXX Company : XXXX Credit Bureau XXXX XXXX  Date XXXX XX/XX/XXXX Company : XXXX  XXXX Credit Bureau XXXX XXXX  Date XXXX XX/XX/XXXX Company : XXXX  XXXX Credit Bureau XXXX Experian Date : XX/XX/XXXX Company : XXXX  XXXX Credit Bureau XXXX XXXX  Date XXXX XX/XX/XXXX Company : XXXX XXXX XXXX  Credit Bureau XXXX Experian Date : XX/XX/XXXX Company : XXXX Credit Bureau XXXX XXXX  Date XXXX XX/XX/XXXX Company : XXXX XXXX Credit Bureau XXXX XXXX  Date XXXX XX/XX/XXXX Company : XXXX Credit Bureau XXXX XXXX  Date XXXX XX/XX/XXXX Company : XXXX XXXX Credit Bureau XXXX XXXX  I have made several attempts to resolve this issue directly with the involved companies, but I have not received a satisfactory response or seen any corrections made to these erroneous reports. The inquiries listed were not authorized by me, and the late payments reflected are inaccurate. 

Request : I request that you investigate this matter and take the necessary actions to correct the discrepancies in my credit report. I have attached a copy of my credit report, which shows the unauthorized inquiries and incorrect late payments, as well as any other relevant documentation. 

I appreciate your attention to this matter and look forward to a prompt resolution.

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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
b'I see lot a thing in my credit I dont recognize nun specially XXXX XXXX XXXX XXXX XXXX XXXX XXXX someone stole my identity'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute Demand for Deletion of Dismissed XXXX  XXXX Bankruptcies To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the multiple XXXX  XXXX bankruptcy entries currently appearing on my Experian credit report. These entries are : Dismissed by the court Duplicated across multiple formats Inaccurate and misleading Unverifiable through any direct source The following entries are in question : Disputed Bankruptcy Records : Ref # XXXX / XXXX / XXXX Filed XX/XX/XXXX, Dismissed XX/XX/XXXX Ref # XXXX / XXXX / XXXX Filed XX/XX/XXXX, Dismissed XX/XX/XXXX XXXX # XXXX / XXXX / XXXX Filed XX/XX/XXXX, Dismissed XX/XX/XXXX Ref # XXXX Filed XX/XX/XXXX, Dismissed XX/XX/XXXX Legal Basis for Deletion : These records are being reported in duplicate and triplicate, with inconsistent file numbers and formatting, violating FCRA 1681e ( b ), which requires maximum possible accuracy.

Experian does not receive verified bankruptcy information directly from the court, and per statements from U.S. Bankruptcy Clerks, the court does not verify or confirm data to credit bureaus. This makes these records unverifiable under 1681i. 
These bankruptcies were all dismissed, meaning there was no discharge, no repayment plan executed, and no legal effect yet they remain on file in a way that misleads lenders and distorts my financial standing. 
The presence of redundant entries for each bankruptcy results in artificially inflated derogatory impact, which constitutes a material misrepresentation and grounds for full deletion. 
DEMAND FOR ACTION : I am formally demanding the immediate deletion of all dismissed XXXX  XXXX bankruptcy entries listed above from my credit report. 

You have 15 calendar days from the date of receipt of this letter to : Permanently remove all listed bankruptcies, and Send me written confirmation of these deletions Failure to comply will result in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) A complaint with the FTC and Illinois Attorney General Civil legal action for negligent and willful noncompliance under FCRA 1681n and 1681o You are now on legal notice. Continued inaccurate or unverifiable reporting beyond the 15-day window will be treated as a willful violation of federal consumer law. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/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 2025-06-24 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: GA

Complaint narrative:
I am writing to formally dispute and request the removal of fraudulent information that has appeared on my credit report as a result of a recent data breach and identity theft. 
I recently became aware of unauthorized accounts and/or inquiries that do not belong to me and were opened without my knowledge or consent. These items are severely affecting my credit profile and are a direct result of my personal information being compromised. 
The following information is fraudulent and must be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX 
Date XXXX {$520.00} Creditor Name : XXXX XXXX XXXX Date XXXX {$360.00} XXXX XXXX XXXX  Date XXXX {$160.00} Creditor Name : XXXX XXXX. Date XXXX {$480.00} Creditor Name : XXXX XXXX Date XXXX {$710.00} Creditor Name : XXXX XXXX : Date XXXX : XX/XX/year> {$1100.00} Enclosed are the following supporting documents : FTC Report Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and remove these fraudulent entries from my credit report. Please provide a written confirmation of your investigation and resolution within 10 days, as required by law. 

If you need any additional information from me, please contact me at the information listed above. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-06-24 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: IN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
This company contacted me at first but the first agent hung up on me because I refused to verify with my SSN and made it known that per the FDCPA he can verify with other information. I called back and spoke to another agent. I did advise them not call me at all and today I got a call to which the agent advised the account had not been flagged for a cease and desist! Not my problem but is in violation of the FDCPA and considered harassment! Not to mention I have paid on this bill each month with out delay on a bill I have been harassed on when I was not even aware it was owed until the notice from this company as there client Never sent me anything regarding. Now Im being Harassed when I specifically say dnc and being hung up on from the original conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CO

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have attached copies of my government-issued ID, utility bills, and Social Security card to verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Amerisave called me promising to help refinance my FHA mortgage.

I was initially promised approval for a loan and subsequently charged a {$500.00} processing fee, only to be informed later that my application was denied. Now, the company is stating that I have been approved ; however, I am required to consult with another loan officer before finalizing the process. I am hesitant to proceed, as it appears they may seek to impose additional fees.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief