vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XXXX  XX/XX/XXXX TRANSUNION Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report.

I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In Pintos v. Pacific Creditors Association ( 9th Cir. 2010 ), the Ninth Circuit ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, Dennis v. BEH-1, LLC ( 9th Cir. 2002 ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

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 2025-11-19 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: NC

Complaint narrative:
Dear XXXX, I am writing to dispute several inaccuracies on my credit report from Experian. The following accounts are reported as charged-off, and I believe the balances and/or account status are incorrect. Additionally, I am disputing the inquiries listed below as they may not have been authorized. 

Charged-Off Accounts : XXXX XXXX  XXXX Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX  - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX - Account XXXX XXXX XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX  - Account Number XXXX XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX - Account Number XXXX XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX - Account Number : XXXX - Open XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX  - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - XXXX : {$0.00} XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance XXXX {$5100.00} XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX  - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX  - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$1100.00} XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$1200.00} XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX  - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$690.00} Inquiries : XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX Late Payments : 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 explanation
Consumer complaint received 2025-11-19 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 have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I established a profile with Experian prior to there being effective internet access to reports. Later, I was given a free account for credit monitoring due to a data breach ( at various times... ). 

With the bureaus updating their technologies and practices, at some point I lost my password, or kept an outdated password. I did not have access to my Experian report to remove a freeze when doing an emergency refinancing of my mortgage. I have since been informed using only two scores and reports from the two other bureaus may have adversely impacted my borrowing rate for the refinancing. Also, as rates have gone down, I have been unable to refinance the mortgage in 2025. 

I also purchased XXXX XXXX access to try to resolve this matter, but that did not work either. 

I lost my password. The process to regain access to my file and control the freezing and locking of my file has not worked thus far.

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I requested my lease buyout amount from XXXX XXXX and specifically asked the representative whether Texas sales tax was included. 
The representative verbally told me the buyout amount included all taxes and fees. 
I relied on that statement and financed that exact payoff amount through XXXX. 

XXXX XXXX later emailed me a payoff letter and Bill of Sale showing {$0.00} sales tax, which means the quote they gave me was incomplete. 

Texas is now billing me nearly {$2000.00} in sales tax because XXXX XXXX failed to include or calculate the required tax in the payoff amount they provided. 

XXXX XXXX  is refusing to correct the error, even though their representative misrepresented the payoff as including taxes. 
I relied on the information they provided, and now I can not register my vehicle. 

I am requesting that XXXX XXXX : Correct the payoff error, or Reimburse me for the sales tax so I can pay Texas, or Remit the correct tax amount to the Texas Comptroller.

I acted in good faith, relied on their calculation, and am now financially harmed because the payoff provided by XXXX XXXX  was inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am writing to dispute the following accounts on my credit report. I believe the information reported is inaccurate or incomplete. The details of the disputed accounts are as follows : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$0.00}

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I went to this site called XXXX  and I went to buy their digital currency in which they would advertise and along with it these sweepstakes. I bought a lot of digital coins and i never got to redeem them or received the products that were advertised. I tried to contact their help support team but it was always talking to a bot and waiting hours to reach an agent. When i do reach an agent. They would always say it was not their department that handles transaction. I tried to contact my bank to do chargeback. The bank said it was authorized transaction and i have to talk to the merchant. I tried talking to the merchant but to no avail. My account with XXXX has been disabled and i am no longer able to reach any agent or support team. I told my bank which was TD Bank and they reversed my provisional credit and i can not reach the merchant as i have not received my product and they shut down my account. I just want chargeback to get my full refund. It was over {$44000.00} and now the bank says i owe them - {$26000.00} and i want to file a complaint against TD bank as i told them the situation and the merchant has not provided any details to me or to them and i have not been able to contact the merchant at all. The TD bank is not helping me at all. Please investigate and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Subject : Identity Theft, Fraudulent Activity Dispute, and Security Breach Notification Re : Request for Investigation and Blocking of Fraudulent Information under FCRA and FACTA Dear XXXX, I am writing to formally notify you that I am the victim of identity theft and to dispute fraudulent and inaccurate information currently appearing on my credit file. This letter is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Upon reviewing my credit report, I discovered unauthorized and fraudulent accounts/inquiries that I did not open or authorize. Additionally, I have reason to believe that my personal information has been compromised due to a security breach, which may have facilitated this fraudulent activity.

Actions I Am Requesting : Immediate blocking of fraudulent information under FCRA 605B, which requires the credit bureau to block identity theft-related information from appearing in a consumers file within 4 business days of receiving the proper documentation.

Initiation of a reinvestigation of all disputed information per FCRA 611. Please investigate the disputed accounts and remove any unverifiable or fraudulent data.

Placement of a fraud alert on my file for a minimum of one year ( or extended, if applicable ), in accordance with FCRA 605A.

Free copy of my updated credit report showing all changes made due to this request.

Enclosed are the following supporting documents : A copy of my government-issued ID ( drivers license or passport ) A copy of a utility bill or bank statement verifying my current address A completed FTC Identity Theft Report ( or police report if available ) A list of the fraudulent accounts or inquiries being disputed A signed statement affirming I did not authorize the fraudulent activity Please treat this matter with urgency and respond within the 30-day period mandated by federal law. If the information is not corrected, blocked, or removed as required, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is reporting a {$1600.00} collection account on my credit file, but I never received the required initial written notice that federal law mandates under FDCPA 1692g ( a ). This notice is supposed to be sent within 5 days and must include the amount of the debt, the name of the original creditor, and my 30-day right to dispute and request validation. I received none of this.

Because the notice was never provided, Midland reported a debt that was never validated. Reporting unverified information violates FDCPA 1692e ( 8 ), and furnishing information without ensuring accuracy violates FCRA 623 ( a ) ( 1 ) ( A ).

Courts have held that collectors must provide this notice before taking any collection action, including credit reporting ( e.g., XXXX XXXX XXXX ; XXXX v. XXXX XXXX ). I only learned of this account from my credit reportnot from any legally required communication from Midland.

Their failure to send the initial written notice denied me my statutory dispute rights and makes the reporting improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX because they created an inaccurate medical balance by billing the wrong insurance carrier, then improperly sent the balance to collections, causing ongoing credit and financial harm. 
My childs visit occurred on XX/XX/year>. The childs fathers employer switched insurance coverage to XXXX effective XX/XX/year>. XXXX XXXX XXXX XXXX failed to verify insurance eligibility before rendering services and instead billed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was no longer active. This billing error caused a wrongful denial and created a balance that should never have existed. 
The provider later acknowledged that they billed the wrong insurer. Despite admitting fault, they : did not rebill the correct insurance to my knowledge did not correct the claim to my knowledge did not remove the erroneous balance sent the inaccurate account to Carter Young for collections allowed the collector to report the account to credit bureaus This is improper medical billing and violates basic billing standards, including the providers responsibility to verify coverage before providing care. 
As a result of the providers administrative error, I am now dealing with : an invalid collection account negative credit reporting collection activity for a balance that should never have existed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma, LLC
State: WI

Complaint narrative:
My driver 's license was taken stolen and I called in and froze everything except for credit karma I am not able to access. 
I explained it to customer service in an email and through their prompts online I have been requested by customer service to reset my passwords multiple times but however every time they send me a link it doesn't work It just errors out when speaking to the senior customer service agents their sorry about the inconveniences that this is caused me but I've been trying for well over 30 days at this point I want to stay closer to 60 days but they don't email me back and that's the only way I can contact them so I'm waiting on them to do their job that they are failing to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, I noticed a charge on my account with Wells Fargo for XXXX dollars. I immediately called to dispute the charge. I was given a provisional refund for the amount of XXXX dollars. I received a letter on Saturday XX/XX/year>, basically stating they were not going to honor my refund due to their investigation. I then contacted the company in question via email XXXX  to see what this company was. I still do not know what they do. A XXXX XXXX contacted me and told me to contact my bank again. I contacted Wells Fargo again on XX/XX/year> because the dispute department is closed on the weekends. The lady I spoke with at about XXXXXXXX XXXX says she would be sending my complaint to an Executive officer and stated someone would call me in XXXX business days. Nobody called I got another generic letter from Wells Fargo on XX/XX/year> stating that I was still responsible. When contacting XXXX XXXX again they would not tell me what the did when I asked. Wells Fargo did not help me at all, they refuse to refund my account. I did not sign up to do business with this company. After this I will not be banking with them any longer. These companies prey on the little people. Nobody helped me get the situation resolved. Now I cant trust them.

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 2025-11-19 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 
The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 
I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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