vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: TX

Complaint narrative:
I am writing to formally request the removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. I disputed this account with XXXX, and their investigation was completed on XXXX XXXX XXXX. As a result of the investigation, XXXX deleted the account from my credit report. This action confirms that the information is unverifiable, and your agency is now required to delete the account in compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to ensure that all information they report is accurate, complete, and verifiable. Since XXXX has determined that this account can not be verified and removed it from my credit report, it is your legal obligation to do the same. 

Furthermore, FCRA 609 and 611 state that unverifiable accounts must be removed within 30 days of a dispute. Therefore, I request that you promptly investigate and remove this account from my credit report within the legally required timeframe.

If you fail to remove this unverifiable account, I must inform you that FCRA 616 and 617 provide consumers with the right to take legal action against credit reporting agencies for non-compliance. Legal remedies may include suing for damages caused by the failure to ensure accurate reporting and failure to delete unverifiable accounts. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once the account has been removed, or provide any documentation verifying its accuracy if you choose not to delete it. 

If this matter is not resolved within 30 days, I will escalate my concerns by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore additional legal remedies to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-04-06 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NJ

Complaint narrative:
I am enrolled in the SAVE program to repay federal loans. My loans have been in forbearance since XX/XX/year>2024 under the Biden Administration. during this period there is 0 % interest accruing. The Trump administration has filed to dismantle the plan and the status of the SAVE plan is under review. My loans continue to be administrative forbearance with no interest accruing or payment due. I have never made a late payment on my loans. There is no interest accruing during the forbearance period and there has been no payment due since XX/XX/scrub> 2024. It was incorrectly reported that I am delinquent on my payments due to accrued interest, however that is completely factually incorrect. My credit score declined XXXX points due to this misinformation and incorrect reporting. I am attaching proof of all payments and interest accrued, as well as, due dates of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Placed for collection XX/XX/year> Have reached out to company several times but it was sold to a debt buyer. 

They have none of my accurate information and need this removed from my credit report. 

There is no signature of mine or consent of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MI

Complaint narrative:
Upon careful review, substantial and clear discrepancies have been identified between the account details reported by TransUnion and the authentic documentation provided by XXXX XXXX XXXX, XXXX, constituting grounds for immediate removal under the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion inaccurately lists an " account number '' ending with XXXX. The original lender documentation clearly indicates this number is exclusively a loan number, distinctly different from the actual collateral account number ( ending in XXXX ) and the related separate account number ( ending in XXXX ). Further, TransUnion erroneously reports the company 's address as XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX, while official bank records explicitly state the lenders legitimate address as XXXX XXXX XXXX, XXXX, GA XXXX. Additionally, TransUnion improperly classifies the account as a standard " installment loan, '' contrary to the original, official establishment of the account as a secured Certificate of Deposit ( CD ) loan, which carries distinctly different terms, conditions, and reporting requirements. Given these significant discrepanciesaddress, loan classification, and account number mismatchesit is evident that TransUnion has failed to conduct proper verification as mandated under FCRA XXXX ( XXXX XXXX. XXXX ). These inaccuracies not only misrepresent my credit history but also adversely impact my credit standing unfairly. Therefore, I formally request TransUnion immediately remove this inaccurately reported information from my credit report and provide explicit documentation regarding their verification process, including any information or communications they received that led them to report and verify such clearly erroneous data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: TX

Complaint narrative:
XXXX XXXX  charge me for damage to the car, but the car was already damaged at the location which they provided paperwork before I rent the car and I provided them with the paperwork that they provided me and they said I still owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2300.00}

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 2025-04-06 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: CA

Complaint narrative:
An account from XXXX XXXX  open XX/XX/XXXX and closed XX/XX/XXXX {$15000.00} This account is due to identity theft and l provided the police report. They informed me that the account would be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
An account from XXXX XXXX  open XX/XX/XXXX and closed XX/XX/XXXX {$15000.00} This account is due to identity theft and l provided the police report. They informed me that the account would 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 2025-04-06 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: FL

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent 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 you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have several account that was deleted out my Experian, XXXX credit reporting. For quite some month now. And magically today it reappears I would like these account to be deleted asaap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MN

Complaint narrative:
I filed bankruptcy and there are 14 inquiries on my create report. I did not authorize these. I sent letters about the inquiries and all the incorrect information on my credit report. From addresses, to name misspelled, incorrect social security number, incorrect employers, and inquiries I did not do. There should not be any creditors on my credit report, nor any inquiries or false information. 
I am writing to formally request an investigation and verification of an inquiry that appears on my credit report. According to my recent credit report obtained from your bureau, there is a credit inquiry listed under my name that I do not recognize or recall authorizing. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry and request an immediate investigation. 

I would like to bring your attention to the following details regarding the disputed inquiry : Creditor Name : All or company associated XXXX XXXX XXXX XXXX, XXXX XXXX and any other iquiry Inquiry Date : 2023 to present Inquiry Type : [ Hard or soft inquiry, if specified ] Both need to be removed I have thoroughly reviewed my records and can not recall having any contact or business dealings with the aforementioned creditor or company. Therefore, I request that you promptly conduct an investigation into this inquiry and provide me with a detailed report of the findings. 

In accordance with the FCRA, I kindly request that you adhere to the following guidelines during your investigation : Verify the accuracy and legitimacy of the inquiry with the creditor or company listed. 
Confirm that proper protocols were followed to obtain my consent for the inquiry. 
Provide documentation or evidence supporting the authorization of the inquiry. 
Contact me directly with any updates or information regarding the investigation. 
Please note that any unauthorized or inaccurate inquiry on my credit report can have a detrimental impact on my creditworthiness and financial well-being. It is my utmost priority to ensure the accuracy and integrity of my credit history. Immediately remove all inquiries. I sent letters over two months ago and no response. XXXX and XXXX is my lawyer for my bankruptcy.

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 2025-04-06 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: MN

Complaint narrative:
I filed bankruptcy and there are 14 inquiries on my create report. I did not authorize these. I sent letters about the inquiries and all the incorrect information on my credit report. From addresses, to name misspelled, incorrect social security number, incorrect employers, and inquiries I did not do. There should not be any creditors on my credit report, nor any inquiries or false information. 
I am writing to formally request an investigation and verification of an inquiry that appears on my credit report. According to my recent credit report obtained from your bureau, there is a credit inquiry listed under my name that I do not recognize or recall authorizing. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry and request an immediate investigation. 

I would like to bring your attention to the following details regarding the disputed inquiry : Creditor Name : All or company associated XXXX XXXX XXXX XXXX, XXXX XXXX and any other iquiry Inquiry Date : 2023 to present Inquiry Type : [ Hard or soft inquiry, if specified ] Both need to be removed I have thoroughly reviewed my records and can not recall having any contact or business dealings with the aforementioned creditor or company. Therefore, I request that you promptly conduct an investigation into this inquiry and provide me with a detailed report of the findings. 

In accordance with the FCRA, I kindly request that you adhere to the following guidelines during your investigation : Verify the accuracy and legitimacy of the inquiry with the creditor or company listed. 
Confirm that proper protocols were followed to obtain my consent for the inquiry. 
Provide documentation or evidence supporting the authorization of the inquiry. 
Contact me directly with any updates or information regarding the investigation. 
Please note that any unauthorized or inaccurate inquiry on my credit report can have a detrimental impact on my creditworthiness and financial well-being. It is my utmost priority to ensure the accuracy and integrity of my credit history. Immediately remove all inquiries. I sent letters over two months ago and no response. XXXX and XXXX is my lawyer for my bankruptcy.

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 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent 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 you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: MD

Complaint narrative:
XXXX XXXX I noticed I have money/payments in suspense account. In XXXX I was in XXXX  XXXX and lawyer told me to send payments thru XXXX XXXX. That is what I did. I could this attachment I am sending where there is suspense money in XXXX. I donot understand why I am behind and or in foreclosure. I was told in XXXX I was 41 payments behind I sent that money in XXXX to cover XX/XX/XXXX to XX/XX/XXXX I want my money back and find out why am I in foreclosure. 

Acct XXXX Acct 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 2025-04-06 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: NJ

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry : XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation