vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : These hard inquiries are fraudulent and do not belong to me. 

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im filing this complaint because Experian continues to report a XXXX XXXX XXXX XXXX  XXXX ) account that I never authorized and that should not be on my credit file. This is the second time Ive disputed this same account, and I still havent received any response or explanation. XXXX  isnt even reporting this account, which clearly shows that something is off. If this account were valid, why is only one bureau showing it? I didnt give permission for this account to be reported in the first place, which means theres no permissible purpose under 15 USC 1681b ( 2 ). Experian is also legally required under 15 USC 1681e ( b ) to ensure that all information they report is accurate and verified to the maximum extent possible. In this case, theyre doing the oppositecontinuing to report an account that has no verification, no proof, and no explanation. When I submitted my dispute, I expected a proper investigation. But I didnt receive any documentation showing how they verified the account, who they contacted, or what the results were. Thats a clear violation of my rights under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires them to provide me the results of the reinvestigation, and 15 USC 1681i ( 7 ), which gives me the right to know how the investigation was conducted. I got none of that. Also, under 15 USC 1681c-2, I have the right to request that fraudulent or unauthorized information be blocked from my credit report. Ive provided documentation to support that this account should not be there, and Experian still has done nothing. This is not just about one account. The continued presence of this charge-off is damaging my credit profile and affecting major parts of my lifemy ability to get approved for credit, housing, and even job opportunities. Its frustrating and stressful to keep dealing with the same issue when the law is supposed to protect me as a consumer. I feel ignored and disrespected. At this point, I am asking for the Consumer Financial Protection Bureau ( CFPB ) to step in and hold Experian accountable. They are violating the Fair Credit Reporting Act and failing to uphold basic consumer protections. If they continue to ignore their legal responsibilities, I will consider further legal action, including seeking damages for willful or negligent noncompliance under 15 USC 1681n and 1681o. Im not asking for anything unreasonableI just want this inaccurate, unauthorized charge-off account permanently deleted from my credit file. I expect Experian to follow the law and do whats fair.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted disputes to Experian regarding multiple inaccurate accounts, including student loans and a XXXX XXXX account. Experian marked them as verified without providing any supporting documentation or evidence of a proper investigation. 
I explicitly requested verification under FCRA 609 ( a ) ( 1 ) and a full reinvestigation under FCRA 611 ( a ), but I was never provided with original creditor documents, signed agreements, or proof of a real review. 
Experians response felt automated and superficial, matching the concerns raised in the recent CFPB lawsuit about sham investigations. The errors remain on my credit report and continue to damage my score and access to credit. 
I am requesting that Experian be held accountable for violating FCRA obligations and that the CFPB compel them to either verify these accounts with full documentation or remove them from my report.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
CFPB Complaint Against XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Complainant : XXXX XXXX XXXX Account # : XXXX Dovenmuehle 's procedural sabotage, including failure to respond to disputes and retaliatory credit reporting has only escalated since litigation began. their XX/XX/year> inaccurate mortgage statement, multiple credit inaccuracies, and abusive CFPB responses demonstrate a systemic effort to undermine consumer protections. 

XXXX. Systemic Dispute Suppression Policy - New Issue : Based on the pattern of Dovenmuehles actions, their intent is to intimidate and deny thus they label borrower disputes duplicative and frivolous without review. 
- Violation : RESPA XXXX ( XXXX ) ( pattern of non-compliance ) + CFPA 5531 ( unfair acts ).

- Distinction : This evidence wasnt available during prior complaints.

2. Collusion in Post-Litigation Harassment - New Evidence : XXXX placed Saturday calls ( XX/XX/year> ) ( Exhibit XXXX : Call Log ) after lawsuit and XX/XX/year> XXXX  was sent. 
- Violation : FDCPA 1692d ( 5 ) ( harassment ) + CFPA 5536 ( a ) ( 1 ) ( B ) ( abusive tactics ).

- Distinction : This harassment occurred after litigation began.

3. Requested Action - Investigate XXXX XXXX  policy of dismissing disputes. 
- Impose civil penalties under 12 U.S.C. 5565.

-An immediate and thorough investigation into the inaccuracies reported on my credit.

-Immediate correction of erroneous delinquency entries with XXXX XXXX XXXX XXXX 
-A written response detailing the corrective actions taken regarding my account. 

Key Distinctions from Litigation Issue| Federal Lawsuit New CFPB Complaints | Retaliatory Credit Reporting| Not addressed in original complaint. | Focus on post-filing retaliation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Procedural abuses ( XXXX/answer delays ). | XXXX " frivolous '' dispute directive. | Saturday Calls * | Prior FDCPA violations ( evening calls ).

| New harassment tied to litigation timeline. |

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
CFPB Complaint Against XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> Complainant : XXXX XXXX XXXX Account # : XXXX Dovenmuehle 's procedural sabotage, including failure to respond to disputes and retaliatory credit reporting has only escalated since litigation began. their XX/XX/year> inaccurate mortgage statement, multiple credit inaccuracies, and abusive CFPB responses demonstrate a systemic effort to undermine consumer protections. 

XXXX. Systemic Dispute Suppression Policy - New Issue : Based on the pattern of Dovenmuehles actions, their intent is to intimidate and deny thus they label borrower disputes duplicative and frivolous without review.

- Violation : RESPA 2605 ( e ) ( pattern of non-compliance ) + CFPA 5531 ( unfair acts ). 
- Distinction : This evidence wasnt available during prior complaints. 

XXXX. Collusion in Post-Litigation Harassment - New Evidence : XXXX placed Saturday calls ( XX/XX/year> ) ( Exhibit E : Call Log ) after lawsuit and XX/XX/year> NOE was sent. 
- Violation : FDCPA 1692d ( 5 ) ( harassment ) + CFPA 5536 ( a ) ( 1 ) ( B ) ( abusive tactics ). 
- Distinction : This harassment occurred after litigation began. 
3. Requested Action - Investigate Dovenmuehles corporate policy of dismissing disputes.

- Impose civil penalties under 12 U.S.C. 5565.

-An immediate and thorough investigation into the inaccuracies reported on my credit.

-Immediate correction of erroneous delinquency entries with Experian and Transunion XXXX 
-A written response detailing the corrective actions taken regarding my account. 

Key Distinctions from Litigation Issue| Federal Lawsuit New CFPB Complaints | Retaliatory Credit Reporting| Not addressed in original complaint. | Focus on post-filing retaliation ( XXXX and XX/XX/year> ). | XXXX XXXX| General RESPA violations. | Specific to XX/XX/year> statements. | XXXX XXXX | Procedural abuses ( discovery/answer delays ). | XXXX " frivolous '' dispute directive. | Saturday Calls * | Prior FDCPA violations ( evening calls ).

| New harassment tied to litigation timeline. |

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
CFPB Complaint AgainsXXXX XXXX XXXX  XXXX XXXX * * Date : XX/XX/year> Complainant : XXXX XXXX XXXX Account # : XXXX Dovenmuehle 's procedural sabotage, including failure to respond to disputes and retaliatory credit reporting has only escalated since litigation began. their XX/XX/year> inaccurate mortgage statement, multiple credit inaccuracies, and abusive CFPB responses demonstrate a systemic effort to undermine consumer protections. 

XXXX. Systemic Dispute Suppression Policy - New Issue : Based on the pattern of Dovenmuehles actions, their intent is to intimidate and deny thus they label borrower disputes duplicative and frivolous without review.

- Violation : RESPA 2605 ( e ) ( pattern of non-compliance ) + CFPA 5531 ( unfair acts ).

- Distinction : This evidence wasnt available during prior complaints.

2. Collusion in Post-Litigation Harassment - New Evidence : XXXX placed Saturday calls ( XX/XX/year> ) ( Exhibit XXXX : Call Log ) after lawsuit and XX/XX/year> NOE was sent. 
- Violation : FDCPA 1692d ( 5 ) ( harassment ) + CFPA 5536 ( a ) ( 1 ) ( B ) ( abusive tactics ).

- Distinction : This harassment oc
curred after litigation began.

3. Requested Action - Investigate Dovenmuehles corporate policy of dismissing disputes.

- Impose civil penalties under 12 U.S.C. 5565.

-An immediate and thorough investigation into the inaccuracies reported on my credit. 
-Immediate correction of erroneous delinquency entries with Experian and XXXX  XXXX 
-A written response detailing the corrective actions taken regarding my account. 

Key Distinctions from Litigation Issue| Federal Lawsuit New CFPB Complaints | Retaliatory Credit Reporting| Not addressed in original complaint. | XXXX on post-filing retaliation ( XXXX and XX/XX/year> ). | XXXX Fraud| General RESPA violations. | Specific to XX/XX/year> statements. | XXXX XXXX | Procedural abuses ( discovery/answer delays ). | XXXX " frivolous '' dispute directive. | Saturday Calls * | XXXX FDCPA violations ( evening calls ). 
| XXXX harassment tied to litigation timeline. |

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Experian account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Continuing to be a victim of fraud and having to deal with the unsuccessful outcome of anything being resolved. I hope that your agency agree to Remove any and all references to this account from my credit reports with all credit reporting agencies ( Experian, Equifax and TransUnion ). Thanks

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 2025-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
I do not owe anybody anything. No one processed this illegal debt with the court according to law. I have stated this in several disputes but experian is also conducting criminal activity against my daughter and myself with this illegal debt. There are no lawyers nor judges that will take this case because they are illegal too. They do not have law degrees as my United States Supreme Court case can prove. 
XXXX questions on the corruption of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  case number XXXX but was denied. I have over XXXX questions going back. No one in my case had a XXXX  XXXX. XXXX XXXX doesn't have a XXXX  XXXX. Check black XXXX XXXX. 
Experian can not legally put this on my credit with a negative impact because it doesn't exsist in a court of law. Where is the legal paperwork from a judge stating I owe this money from a judgemental? I was not sued, I owe no money. A landlord legally can't just write up a debt from an apartment and state the renters owes money without out a court taking judgement against the renters. No one has taken either of us to court. Please prove a judge put judgements against my daughter or myself. I'm also getting negative outcomes two years after experian already took action with my score. Ie ; I was just given a negative XXXX points for no reason. The other credit agencies did not do this, as far as I know. My credit is impeccable except for this illegal action from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding the continued reporting of inaccurate, unverified, and potentially unauthorized negative accounts on my credit report. Despite prior communications, the negative accounts remain listed without proper validation or reinvestigation, which violates your obligations under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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