vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX Date : [ Insert Todays Date ] TransUnion LLC XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute of Unauthorized Hard Inquiry XXXX XXXX XXXX XXXX Dear TransUnion Dispute Department, I am writing to dispute the unauthorized hard inquiry made by XXXX XXXX XXXX XXXX, which is currently appearing on my TransUnion credit report. 

Under the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S.C. 1681b ], a credit reporting agency may only furnish a consumer report to a creditor with a permissible purposesuch as when a consumer applies for credit, employment, or insurance. I have not applied for credit with XXXX XXXX XXXX XXXX, nor have I authorized them to access my credit file. 

Because this inquiry lacks a permissible purpose, its continued reporting constitutes a violation of the FCRA. Further, under FCRA 611 [ 15 U.S.C. 1681i ], you are required to investigate any disputed information, and under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], you must ensure maximum possible accuracy in the information you report. 

Requested Action : 1. Immediate removal of the unauthorized hard inquiry from XXXX XXXX XXXX XXXX. 
XXXX. Written confirmation of deletion within XXXX business days. 
XXXX. A copy of any documentation XXXX XXXX provided to verify that I authorized this inquiry. 

If you fail to remove this unauthorized inquiry, I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and to seek statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n.

Please consider this letter a formal dispute under my rights granted by the FCRA. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
This account is currently being furnished in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This inaccurate and damaging reporting is interfering with my ability to obtain credit and secure a home for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
Company - structured settlement Employee - XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX Called structured settlement to try to make payment arrangements to settle a debt. I called willing to work with the company and XXXX very quickly turned aggressive and threatened to call my place of employment. She suggested that due to my job and employer that I should not have any debt and that if my employer knew I would be fired due to the nature of my job. When we couldn't come to an agreement she threatened to put me down as a refusal which she said would escalate my file. I said I do not accept a refusal because I was trying to pay just not on her terms she was demanding. I then asked to be transferred to someone with better phone etiquette to which I was mocked. 

This company has also called people other than me regarding my debt including roommate and my father. They called my roommate first which I was unhappy about and called to inform them that they XXXX only contact me. Despite this communication over the phone, they still called my father. 

Date of phone call to roommate - XX/XX/XXXX Called structured settlement XX/XX/XXXX XXXX to inform them of no contact with anyone but me. 

Date of phone call to dad - 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 2025-08-27 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: SC

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-08-27 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 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 2025-08-27 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-27 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: NJ

Complaint narrative:
Failure to Ensure Accuracy TransUnion is reporting a debt without proper validation from XXXX XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, TransUnion is obligated to conduct a reasonable and fair investigation when a consumer disputes information. 

Risk of XXXX XXXX XXXX cites that the CFPB has already held credit bureaus accountable for failing to ensure accuracy in similar cases.

Until the debt is legally validated, it should not be reported.

Consumer Harm The inaccurate tradeline has caused stress, anxiety, loss of sleep, and emotional harm.

The account is damaging the consumers financial opportunities and overall well-being

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} ISPC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$35000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On Tuesday, XX/XX/XXXX, I had an appointment with XXXX XXXX in XXXX XXXX  to look at a XXXX XXXX XXXX with approximately XXXX miles. 

Took the vehicle for a test drive and wanted to proceed with the purchase of the vehicle. I was told that I was approved ( credit acceptance, corporation ) but with my credit score the interest rate would be 24 % and I would have to put money down. I agreed to move forward with the purchase of the vehicle and as we were getting ready to proceed, XXXX XXXX and XXXX XXXX changed the terms to now include a mandatory XXXX year XXXX mile powertrain warranty and gap insurance. 

In an attempt to save the deal, XXXX advised that if I had additional money to put down, it could change things. I indicated I could put more money down and XXXX came back and indicated that they would drop the gap insurance requirement. 

I ended up leaving the dealership to think this over and I then sent an inquiry requesting a copy of the sales contract so that I could see that the warranty was a mandatory requirement in order to receive approval for the loan. I received no response. 

I have not been shown any agreement in both XXXX and XXXX are still sticking with warranty as a condition of approval. 

I am now told that the vehicle sold, and I would simply like to know if there was any improper actions taken by the dealership or the loan institution. I am now out the opportunity to own what I thought would be a very reliable and cost-effective vehicle. 

The attached document was the original terms for XXXX year loan, signed off by the manager, and then it was modified to include the mandatory warranty and gap insurance and extend the long term out to XXXX  months.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
Throughout XXXX, autopay is turned on my Discover credit card bill, paid on the XXXX of every single month XXXX XXXX - bought items and returned for credit, leaving {$8.00} shipping charge left over unrefunded on Discover credit card XXXX XX/XX/XXXX - XXXX statement, {$8.00} due on XX/XX/XXXX with autopay turned on XX/XX/XXXX & XXXX XXXX - {$35.00} new charges XX/XX/XXXX - autopay does not work for some reason XX/XX/XXXX - new statement, {$74.00} due on XX/XX/XXXX given + {$30.00} late fee + {$0.00} interest XX/XX/XXXX - autopay does not work again for some reason XX/XX/XXXX - XXXX late payment reported to credit agencies XX/XX/XXXX - XXXX XXXX XXXX {$110.00} due on XX/XX/XXXX given + {$41.00} late fee + XXXX interest XX/XX/XXXX - {$110.00} paid in full with {$110.00} cash and {$0.00} in cashback rewards XX/XX/XXXX - first phone call to Discover to ask why previous autopay method did not work. Company says there is no record of autopay being active on the account. This can not possibly be my problem if there is a system issue on their end. Asked for XXXX late payment to be removed from CRA as a courtesy since they had a system issue, representative declined XX/XX/XXXX - second phone call to Discover about this issue. I have since 100 % confirmed that my account was paid via autopay throughout all of XXXX and XXXX YTD until the missed payment on XX/XX/XXXX. Discover does not address this, instead tells me it is my responsibility to keep on top of payments for my account and that Discover has not made any errors. This is untrue. My payments were only late because Discover 's system for some reason cancelled my autopay schedule. Discover also did not contact me about my outstanding balance. I again asked for the XXXX late payment to be removed from the CRA since my original late payment of {$8.00} was clearly Discover 's fault, not mine. Discover refuses to do this in a very rude manner, instead choosing to lecture me about laws surrounding the reporting of missed payments to the CRAs. I am well aware of this and do not appreciate being spoken to as a child. Hence, I am choosing to let the CFPB arbitrate this dispute and judge whose error this nominal {$8.00} missed payment was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
FourLeaf closed my mortgage, and reopened it due to a " service glitch ''. Went to the bank branch and they have known about the issue for weeks and did not notify any customers ... this is the second issue I had with them in as many months ... the first issue is getting a letter than my homeowners insurance had lapsed which wasn't true and I showed proof and it took several weeks to get it resolved ... my credit score dropped more than XXXX points ... this is all since the XXXX  federal credit unions " rebranding '' into four leaf

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lockhart, Morris & Montgomery Inc.
State: AL

Complaint narrative:
As of XX/XX/year>, I had a diagnosis with XXXX XXXX. Since going through XXXX and XXXX XXXX. I have developed other complications due to treatments related to XXXX. I have told Morris and XXXX attorneys that I am unable to work. I havent worked since XX/XX/year>. I have told them on XXXX related conversations that is recorded by them that I am unemployed and no longer able to work. They claim I owe XXXX XXXX XXXX $ XXXX {$2000.00} ( their fee ). They call me all day everyday. I had them blocked and they just call from a different number. They even have different people calling. Latest call was prior to filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX RV Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX EXPERIAN XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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