vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint regarding unauthorized hard inquiries on my credit reports with TransUnion, Experian, and Equifax, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires permissible purpose and my authorization for these inquiries.

Timeline : XX/XX/XXXX XX/XX/XXXX : Discovered multiple hard inquiries on my credit reports that I did not authorize or apply for, including auto financing and dealership inquiries. 

XX/XX/XXXX : Noticed additional hard inquiries from auto lenders and dealerships that I did not initiate, authorize, or consent to in any form. 

I have already disputed these unauthorized inquiries with the credit bureaus and am attaching my FTC Identity Theft Report along with a list of the inquiries that are not supposed to be on my report. 

The unauthorized inquiries on my credit reports are as follows : On my TransUnion report, there are unauthorized hard inquiries from XX/XX/XXXXder 15 U.S.C. 1681b ( c ), a credit reporting agency may only furnish a consumer report for a permissible purpose, which includes my explicit authorization for hard inquiries. I never provided such authorization, nor did I initiate any applications that would require these creditors or dealerships to pull my credit. This may also constitute identity theft under 18 U.S.C. 1028.

These unauthorized inquiries have lowered my credit scores, caused anxiety, and disrupted my financial planning. I am concerned about potential misuse of my identity and the chilling effect it may have on my future credit opportunities. I am spending significant time and energy trying to resolve this situation, including filing an FTC Identity Theft Report and sending disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Branch Messenger, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I deposit a payment to branch for XXXX and then I made a XXXX pmt to XXXX XXXX to repair my credit which left my balance a remaining balance of {$70.00} then I made another transaction for XXXX which brought my balance to {$48.00} and then there was a transaction for XXXX at XXXX which brought my balance to XXXX and then branch credit me XXXX for a partial dispute which brought my balance XXXX, I barely use branch however branch overdraft my account and is refusing to fix the error that they made every time I am speaking to a agent or supervisor they are from XXXX or XXXX and is refusing to assist me, nothing was pending and the funds was available and my acct was available XXXX, branch engaged in a bunch of manipulative practices to push me into overdrafting, on top of that I never opt into overdraft protection at at all, because branch doesn't overdraft, it was a app that I had with my previous job for early pay, and I kept the card to add money or future direct deposits, so I am confused of the negative amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
XXXX81c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 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 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 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$8500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Inaccurate Information under 15 U.S.C. 1681e ( b ) To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following accounts appearing on my Equifax credit report. Despite prior requests for verification, these accounts remain inaccurately reported and unverifiable. Under the Fair Credit Reporting Act, particularly 15 U.S.C. 1681e ( b ), Equifax is required to ensure the maximum possible accuracy of the information it reports. This standard has not been met with respect to the accounts listed below : XXXX XXXX XXXX ( Account XXXX. XXXX ) XXXX ( Account XXXX. XXXX ) XXXX ( Account XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account No. XXXX ) I dispute the validity of these accounts in their entirety. I also request that Equifax verify the information reported by providing : A copy of the original purchase agreement for each account, Signed by all parties involved, and Specifically from the original creditor. 
This request is critical because multiple companies have contacted me in relation to the same alleged debts, leading to confusion and inaccurate reporting. 
Unless you can provide full legal validation, including ownership of the debt and an accurate, original contract bearing my signature, I am requesting immediate deletion of all references to these accounts from my credit file, including removal from all consumer reporting agencies to which you have supplied this information. 
Please conduct a thorough reinvestigation and notify me in writing of the results within the timeframe prescribed by the FCRA. I also request a copy of my corrected credit report should any changes be made as a result of this dispute. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account # XXXX, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent a proper notification, please provide certification with a receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, I have enclosed an FTC report as well. please give proof of me opening these accounts and proof with my signature or statements, if can not provide please remove accts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CarMax, Inc.
State: IL

Complaint narrative:
Every month along with my monthly principle and interest I always add an extra {$100.00} to the principal to accelerate my payoff. I also from time to time make an additional payment ( Double principal double interest and double extra principle ). When I look online at my account these payments are not categorized to anything. Not to principal, not to interest nor to addl principal. Further looking at my payment history the very clear cut payments I make are broken up into much smaller amounts and spread over several different months. I have called and ask why its so chaotic from the additional principal of {$100.00} its listed as {$20.00} here and {$40.00} there etc. its nonsense and some months I pay more interest than the previous month and the interest should be going down not up especially considering all the extra principal Im paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERIFIRST FINANCIAL, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I requested a balance transfer from my XXXX credit card over to a XXXX XXXX credit card. The balance transfer was accepted and the funds were transferred HOWEVER I accidentally typed in the incorrect credit card number and it went unnoticed at the time of the request. Typing in this incorrect number wrongly gave me someone elses debt. So instead of money transferring, money was added ONTO my credit. On XX/XX/XXXX, {$2400.00} ( plus the {$120.00} balance transfer fee ) was transferred into the XXXX XXXX account but they WERE NOT removed from my XXXX account. I made calls to XXXX and they explained this would have to be handled by XXXX XXXX since technically the funds did not come out of my XXXX account. I made multiple calls to XXXX XXXX that went no where and I had XXXX cases about this issue that were closed because XXXX XXXX could no longer assist me. They told me the funds came from Amerifirst XXXX  but Amerifirst XXXX was unable to locate these funds. I provided them with a trace number and the account number that I accidentally typed in ( XXXX XXXX was able to give me the number I typed in ) and after giving Amerifirst XXXX this information they still could not help me. Today XXXX ( 6 months after the transfer was processed ) XXXX XXXX, Amerifirst XXXX  and I had a 3 way call that went absolutely no where and XXXX XXXX told me they would no longer help me and it was my responsibility to pay this {$2400.00} ( + {$120.00} = {$2500.00} ) that was not even my debt to begin with. I will NOT be paying this money since it was not my money to begin with and it needs to be removed from my credit IMMEDIATELY. I am looking for assistance ASAP as both of these banks ( XXXX XXXX and Amerifirst XXXX  ) are extremely shady and added money onto my debt that was not mine to begin with. If someone can please contact me about this I would highly appreciate it. AS OF TODAY XX/XX/XXXX I received an email stating ONCE AGAIN that XXXX XXXX closed my case because they can not get ahold of Amerifirst XXXX and they expect ME to somehow get a hold of them.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
Debt collector called, when I requested written information to verify the debt, was told it's not going to make the debt go away when I requested it a second time in the same call I was told have a good day and hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To my dismay, I recently discovered that my credit report has been accessed by companies I have no relationship with. I never submitted any applications nor granted permission for these entities to pull my credit. These inquiries are completely unauthorized and unrecognizable to me, and their presence raises serious concerns about misuse of my personal information. 

As a consumer, I have the right to transparency and protection under federal law. This situation is unacceptable and deeply offensive to someone who takes financial responsibility seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
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 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 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 XXXX XXXX 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation