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

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion ADVANTAGE PL XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rapid Home Lending Inc.
State: WA

Complaint narrative:
Dear CFPB : Trouble during payment process ( or select the most appropriate option. Rapid Home Lending used PREDATORY PRATICES ON US. WE ARE older adults XXXX AND XXXX OLD. Rapid home lending continues to call us even when said NO. WE SENT A EMAIL TO XXXX XXXX AND THE COMPANY TO SHREED OUR ORIGINAL APPLICATION. our original loan is with XXXX XXXX XXXX An they lied and told us our interest would be lowered to 4,5 % and that was on XXXX, and the loan officer said they could lower our payments and give us {$35000.00} in cash and lower our payments. 
We are writing to formally request an investigation into potentially unfair and deceptive business practices by Rapid Home Lending, located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. To different loan officers were using unfair practices against using money to leave XXXX XXXX XXXX. 

We have been working with XXXX XXXX XXXX, a loan officer at Rapid Home Lending, regarding refinancing our mortgage. XXXX XXXX claimed Rapid Home Lending underwrites for XXXX XXXX XXXX with whom we currently have a loan. 

On XX/XX/2025, XXXX XXXX asked us to send in our mortgage statement to begin the refinancing process in order to lower our interest rate and monthly payment. We submitted the requested documents promptly, yet have received no updates, communication, or follow-through from XXXX XXXX or Rapid Home Lending . 

We believe this ongoing lack of response and potential misrepresentation may constitute deceptive or predatory lending behavior. We have attempted to reach XXXX XXXX multiple times via phone at ( XXXX ) XXXXXXXX XXXX XXXXXXXX and email at XXXX, as well as from our contact numbers XXXX and XXXX. We have not received any reply. 

We respectfully request that your office investigate Rapid Home Lending for possible violations of consumer protection and lending laws, and determine the nature of their affiliation with XXXX XXXX XXXX. We also request intervention to ensure consumers like us are treated fairly and lawfully. 

Attached is a copy of the original email correspondence from XXXX XXXX dated XX/XX/2025, for reference. 

Download ComplaintXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Re : Demand for Removal of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, NOTICE IS HEREBY GIVEN that the undersigned individual demands the removal of an inaccurate and non-compliant credit entry from their credit file, specifically related to a collection account with XXXX XXXX XXXX, reported by TransUnion. 

The account in question bears the following characteristics : - Account Name : XXXX XXXX XXXX - Account Type : Collection account - Balance : {$440.00} - Highest Balance : {$440.00} - Date Opened : XX/XX/year> - Account Status : Open - Original Creditor Name : No Info Pursuant to XXXX XXXX guidelines, furnishers of credit information are required to report accurate and complete information. The failure to report the XXXX XXXX XXXX constitutes a clear violation of XXXX XXXX compliance standards. 

Furthermore, this non-compliance potentially contravenes the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates consumer reporting agencies to maintain reasonable procedures to ensure the accuracy and integrity of reported information. 

Given the demonstrated non-compliance with XXXX XXXX guidelines and potential FCRA violations, we demand that this collection account be forthwith removed from the individual 's credit file. 

Failure to comply with this demand may result in further action, including filing a complaint with relevant regulatory agencies and pursuing all available remedies under the law. 

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 2025-06-06 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: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Re : Demand for Removal of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, NOTICE IS HEREBY GIVEN that the undersigned individual demands the removal of an inaccurate and non-compliant credit entry from their credit file, specifically related to a collection account with XXXX XXXX XXXX, reported by TransUnion. 

The account in question bears the following characteristics : - Account Name : XXXX XXXX XXXX - Account Type : Collection account - Balance : {$440.00} - Highest Balance : {$440.00} - Date Opened : XX/XX/year> - Account Status : Open - Original Creditor Name : No Info Pursuant to XXXX XXXX guidelines, furnishers of credit information are required to report accurate and complete information. The failure to report the XXXX XXXX XXXX constitutes a clear violation of XXXX XXXX compliance standards. 

Furthermore, this non-compliance potentially contravenes the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates consumer reporting agencies to maintain reasonable procedures to ensure the accuracy and integrity of reported information. 

Given the demonstrated non-compliance with XXXX XXXX guidelines and potential FCRA violations, we demand that this collection account be forthwith removed from the individual 's credit file. 

Failure to comply with this demand may result in further action, including filing a complaint with relevant regulatory agencies and pursuing all available remedies under the law. 

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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Reporting information on a consumer 's credit report without their written consent is identity theft. I dit not give anyone written or verbal permisson for them to place such information on my consumer report Because my privacy rights have been violated, I am demanding the company block and remove the inquiries from my consumer report not later that 4 business days after such information i provide.Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX  {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - {$6100.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 
1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report XXXX XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/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 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: DE

Complaint narrative:
To whom this may concern, I am writing to bring attention to a highly sophisticated and alarming crime that occurred here in XXXX XXXX XXXX XXXX on Sunday, XX/XX/XXXX, at approximately XXXX XXXX. 
I was stalked and targeted by a group of individuals who stole my phone. According to XXXX technicians, these criminals gained unauthorized access to the device likely via an XXXX exploit or similar attack allowing them to bypass security. They infiltrated sensitive applications, including my Coinbase account, and transferred nearly {$100000.00} to themselves in an unauthorized transaction. Coincidentally less than XXXX block away from where the incident with the XXXX being XXXX  XXXX for XXXX  days over his coinbase account. They took my xrp, btc, and eth coins. I don't understand how coinbase did not suspect this as fraud. I have used them for years and never once sent that much ever. It was XXXX in the morning and they did not a single thing to make sure these transactions weren't fraud-lent. Its insane. I also purchased coinbase one which protects up to XXXX of stolen funds and they told me it was not " activated '' which is totally not fair at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-06 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-06 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-06 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:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} Inquiries XXXXXXXX XXXX Date : XX/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 2025-06-06 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: CBC Companies, Inc.
State: IL

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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
I recieved a letter saying that NCB management services had aquired a debt in my name, on XX/XX/year> I received a notification letter and responded that i would like a copy of the contract i signed and all information of the original creditor on XX/XX/year>. As of XX/XX/year> i received absoluteley zero information on I requested in writing.This is in direct violation of the fair credit reporting act and also the reported this on my credit. this company has many complaints of wrong-doing as not validating debt or providing the information requested by law. It has been reported a bunch of times. My resolution is to have this assumed debt be removed immediateley from any credit bureau and be dissolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is refusing to process my dispute because they claim my identification documents are illegible, even though I submitted valid and complete information.

Company response to consumer: Closed with non-monetary relief