vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: WI

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. I noticed that XXXX XXXX made a hard inquiry on my credit report on [ date of inquiry ], which I did not authorize. case number XXXX According to the Fair Credit Reporting Act ( FCRA ), hard inquiries may only be made with a consumers explicit permission, usually in connection with a credit application. I have not applied for any credit, loan, or service with XXXX XXXX that would warrant such an inquiry. 
Details of the Disputed Inquiry : Company Name : XXXX XXXX Date of Inquiry : XX/XX/2025 Inquiry Type : Hard Pull

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: WI

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. I noticed that XXXX XXXX made a hard inquiry on my credit report on [ date of inquiry ], which I did not authorize. case number XXXX According to the Fair Credit Reporting Act ( FCRA ), hard inquiries may only be made with a consumers explicit permission, usually in connection with a credit application. I have not applied for any credit, loan, or service with XXXX XXXX that would warrant such an inquiry. 
Details of the Disputed Inquiry : Company Name : XXXX XXXX Date of Inquiry : XX/XX/scrub> 2025 Inquiry Type : Hard Pull

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
SoFi bank has caused so many problems with the dispute process on a card which was stolen along with my pin and phone and wallet. I have been told multiple times different dates and time frames for the same things. They are not taking my claim seriously even though the police have pursued charges. SoFi is causing me extreme financial hardship by not taking this seriously and returning or crediting my account. I need them to provisionally credit my account or finalize credits to my account as I can not feed my child and am going to lose my home due to the lack of urgency over fradulent transactions by SoFi bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Subject : Request for Removal of Collection Account Under 15 U.S.C. 1681c-2 ( Identity Theft ) To Whom It May Concern, I am writing to formally dispute a collection account that appears on my credit report, allegedly placed by your company, XXXX XXXX XXXX XXXX I believe this account is the result of identity theft and is not mine.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting the immediate block and removal of all information related to this fraudulent account from any consumer reporting agencies with which you have reported. This law provides consumers the right to have information resulting from identity theft excluded from their credit reports. 

The account in question is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Midland Credit Management INC Enclosed you will find the following supporting documentation as required under the statute : A copy of my government-issued photo identification Please consider this letter a formal request to : Cease all collection activity on the above account, Block and remove the account from all consumer reporting agencies, and Refrain from selling, transferring, or assigning this account to any third party.

Please confirm in writing within 30 days of receipt that this account has been removed from all reporting and that no further action will be taken regarding this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NY

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-23 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: MS

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : XXXXXXXX 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 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 2025-06-23 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
This is a response to XXXX. Bull City is clearly not investigating this issue. I provided ftc identity report and my release paperwork and they keep using automated responses. I need a real human to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: OR

Complaint narrative:
On XX/XX/year>, I mailed a certified dispute package to Experian containing verified proof of my correct name and address. I included my state driver-license, social security card, name change, utility statement and bank statement showing my true and legal name. Despite receiving this documentation, Experian refused to correct my personal information, citing that the incorrect data is tied to an open account. This is not a valid legal reason to deny correction under the Fair Credit Reporting Act ( FCRA ). I am requesting that Experian be compelled to correct or delete the inaccurate personal 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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: OH

Complaint narrative:
I have submitted multiple disputes to Experian regarding negative accounts on my credit report, particularly related to student loans and other derogatory items. Despite my disputes, Experian has consistently marked the items as verified without ever providing documentation or evidence to support the verification. 

In XXXX, I experienced late payments due to a delay in deferment processing with my student loan servicer at the time ( XXXX ). Although I later entered deferment and notified the servicer of the paperwork gap, they refused to remove the late marks. These same late payments have since been carried over by future loan servicersXXXX  and XXXXand continue to be reported as if they were valid, even though they originated under a different company. I now have eight tradelines reporting instead of the original four, which has multiplied the negative impact on my credit profile. 

In addition, I have disputed other accounts and hard inquiries, but Experian never provides me with actual responses from the furnishers or evidence that the data is accurate. In past communication, I was told Experian works for their clientthe companies reportingnot the consumer. I find this troubling, especially when Experian fails to provide supporting documents but continues to report disputed information. 

This has gone on for years and has had a serious impact on my credit score, ability to qualify for reasonable credit, housing, and peace of mind. I am requesting that Experian stop verifying data without documentation, conduct a real investigation, and remove any information that can not be independently verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: McCalla Raymer Leibert Pierce, LLC
State: CA

Complaint narrative:
This Company is False Impersonating to be the rightful Trustee in regards the Mortgage Account XXXX. This company did Validate themselves as XXXX  in XX/XX/XXXX, I did challenge their legal capacity in a Certified Letter exhibit " A '' However they didn't answer /ignoring my request me. This alleged Trustee " XXXX XXXX XXXX '' Threated me to sell my house in XX/XX/XXXX, I had to file under duress XXXX XXXX XXXX, The Law Firm MC Calla, Raymer Pierce LLP and its Attorney XXXX XXXX filled FRAUDULENT supplemental Objection to my XXXX XXXX XXXX plan around XX/XX/XXXX. Now after XXXX  years they Illegally filed and recorded NOD as XX/XX/XXXX, I did send some inquires to the owners of that company on XX/XX/XXXX, and XX/XX/XXXX Group Exhibit " B '' however they have not responded to my inquires, it looks they ignored my requests as they did in the past, that's why I'm asking the CFPB to step in to demand the information I'm requesting to validate the Foreclosure Process because I believe its Fraudulent During the XXXX They False claimed they represented a valid Creditor which is supposed to be XXXX XXXX XXXXXXXX, Now in this Last XXXX recorded they claimed the beneficiary is XXXX XXXX ( which its false ). Any further documentation you may need please let me know I will provide it to you to investigate their fraudulent acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CBC Companies, Inc.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
After receiving a email from Equifax notifying me that my personal information has been compromised in a their data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and that they were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has been negatively affecting my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I face multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breaches and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Trakk, LLC
State: IN

Complaint narrative:
I leased a vehicle from Auto Trakk around XXXX. After an accident in XXXX, their representative XXXX XXXX XXXX promised to help get the car repaired and returned. Instead, Auto Trakk intervened behind my back, took the vehicle from the repair shop without notifying me, and repossessed it without following legal procedures. I was never allowed to pick up my vehicle, and no clear explanation was given. 

Over the years, Auto Trakk has harassed me with demands, threats, and unfair balance increases. Despite never regaining access to the vehicle, Im still being pursued in court for thousands of dollars. Ive filed a motion to vacate the judgment due to their deceptive, negligent, and unethical conduct. 

Recently, they even had a court summons delivered by law enforcement to my XXXX XXXX, which is both traumatizing and inappropriate. I have detailed email threads and an insurance report showing my consistent effort to resolve this in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
XXXX XXXX XXXX Account # XXXX Auto Loan Made on XX/XX/scrub>XXXX XXXX XXXX Account was Charged Off {$18000.00} Written off Original Balance was {$16000.00} how was {$18000.00} written off The car was falsley purchased in my name by a Family Member. I never signed any purchase order or contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 2025-06-23 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. I noticed that Wells Fargo made a hard inquiry on my credit report on [ date of inquiry ], which I did not authorize. case number XXXX According to the Fair Credit Reporting Act ( FCRA ), hard inquiries may only be made with a consumers explicit permission, usually in connection with a credit application. I have not applied for any credit, loan, or service with Wells Fargo that would warrant such an inquiry. 
Details of the Disputed Inquiry : Company Name : Wells Fargo Date of Inquiry : XX/XX/year> Inquiry Type : Hard Pull

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NV

Complaint narrative:
XXXX Equifax TransUnion have plade incorrect information about my credit on their portal s. All information are incorrect false they have brought to me great loss for their incorrect false information about me on my credit information refuse to correct them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: SC

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 non-monetary relief