vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: VA

Complaint narrative:
There are multiple inquiries on my credit report that I did not authorize nor was I aware of and are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-03-28 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: MS

Complaint narrative:
I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: TN

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account with XXXX XXXX XXXX XXXX XXXX XXXX That are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 USC 1681 s2 furnishers must report accurate information under 15 USC 1861- I the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative 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 non-monetary relief
Consumer complaint received 2025-03-28 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: TN

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account with XXXX XXXX XXXX XXXX XXXX XXXX That are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 USC 1681 s2 furnishers must report accurate information under 15 USC 1861- I the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Report Number XXXX Date Generated XX/XX/year> XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated as shown above. 

XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Address Updated Information on this item has been updated. 
They didn't update my address as I request them this is the third time that I try to correct my information they keep denied.

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 2025-03-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-28 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: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
After checking my credit reports, I saw inquiries that I did not authorize. There should only be XXXX inquiry for XXXX XXXXXXXX XXXX on my credit reports because that is the company I have my financed vehicle through. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CORELOGIC INC
State: AR

Complaint narrative:
After checking my credit reports, I saw inquiries that I did not authorize. There should only be XXXX inquiry for XXXX XXXX XXXX on my credit reports because that is the company I have my financed vehicle through. Please help.

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 2025-03-28 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: DISCOVER BANK
State: AR

Complaint narrative:
After checking my credit reports, I saw inquiries that I did not authorize. There should only be XXXX inquiry for Consumer Portfolio Services on my credit reports because that is the company I have my financed vehicle through. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted 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 non-monetary relief
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is unlawfully reporting a business credit card on my personal credit report despite no personal liability. 

Complaint : I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion, and Equifax and Experian. 

A business credit card account issued by XXXX XXXX is being reported on my personal credit report as if I am contractually liable. I never personally guaranteed this account and did not consent to have it reported on my consumer credit file. This account is strictly for business use and is labeled as such. 

Under 15 U.S.C. 1681a ( d ), only consumer accounts for personal, family, or household purposes may be reported in a consumer credit report. Reporting this account as a personal obligation is false, misleading, and a violation of FCRA 1681e ( b ) ( inaccurate reporting ) and 1681i ( a ) ( failure to reinvestigate ). 

I submitted a formal dispute demanding deletion under FCRA and have yet to receive proper resolution. This unlawful reporting is damaging my credit profile and causing personal harm. I request that the CFPB : Investigate this matter Ensure the immediate removal of this business account from my personal credit report Hold the furnisher and credit bureau ( s ) accountable under applicable FCRA provisions Company Names Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Equifax/Experian

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 2025-03-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is unlawfully reporting a business credit card on my personal credit report despite no personal liability. 

Complaint : I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion, and Equifax and Experian. 

A business credit card account issued by XXXX XXXX is being reported on my personal credit report as if I am contractually liable. I never personally guaranteed this account and did not consent to have it reported on my consumer credit file. This account is strictly for business use and is labeled as such. 

Under 15 U.S.C. 1681a ( d ), only consumer accounts for personal, family, or household purposes may be reported in a consumer credit report. Reporting this account as a personal obligation is false, misleading, and a violation of FCRA 1681e ( b ) ( inaccurate reporting ) and 1681i ( a ) ( failure to reinvestigate ). 

I submitted a formal dispute demanding deletion under FCRA and have yet to receive proper resolution. This unlawful reporting is damaging my credit profile and causing personal harm. I request that the CFPB : Investigate this matter Ensure the immediate removal of this business account from my personal credit report Hold the furnisher and credit bureau ( s ) accountable under applicable FCRA provisions Company Names Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Equifax/Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 non-monetary relief
Consumer complaint received 2025-03-28 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: CITIZENS FINANCIAL GROUP, INC.
State: HI

Complaint narrative:
To Whom It May Concern : In a recent review of my credit reports, I noticed an inquiry that I do not recognize and believe to be fraudulent or not related to a proper/authorized purpose. 

The inquiry in question specifically is as follows : " CITIZEN 'S BANK '' - On XX/XX/2023 : -- - Appears On Reports At : XXXX I would like the bank to provide proof that the inquiry was for a legitimate/authorized purpose as well as explicit evidence that is was requested by myself. Any documentation that they feel proves this, I would like to be sent to me directly via the CFPB 's complaint handling system for my review. 

If they are unable to prove that the inquiry was, in fact, for a legitimate business purpose and requested by myself, then I would like it to be removed immediately. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/year> Experian fraud department to dispute some fraudulent addresses and accounts that were on my credit file. Experian is not taking this matter seriously. I have presented overwhelming proof that these accounts and addresses do not belong to me. I was reviewing my credit file in late XX/XX/year> and found several accounts and addresses that were not mine. I alerted the creditors first, and was informed that I needed to file a police report. On XX/XX/year> I contacted the XXXX XXXX XXXX Police Department Financial Crimes Division ( XXXX ) XXXX filed a report. I also went to the FTC and filed a identity theft report. I then reached out to the credit bureaus ( Experian, XXXX and XXXX. Today after speaking with the agent I received an email stating that Experian would not be investigating this. How can Experian not investigate and remove fraudulent information? There are addresses I have not ever lived at. They include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian states these addresses are attached to accounts. I am aware of this as the accounts are fraudulent.

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 2025-03-28 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:
I am filing this complaint against the Department of Education XXXX XXXX for inaccurate and non-compliant credit reporting on eight ( 8 ) active XXXX  loan tradelines listed on my Experian credit report. These accounts contain multiple Metro 2 and FCRA violations that have not been corrected, despite prior disputes. 

Key Issues : 1. Payment History Violations : The accounts report repeated patterns of ND ( no data ) and 90 ( 90 days late ) month after month, sometimes back-to-back, without continuity or explanation. This is not consistent with proper reporting practices outlined in Metro 2 field codes XXXX. 
2. Inaccurate Account Status Reporting : These accounts remain open, with extremely aged delinquency notations dating back several years. This raises red flags under Metro 2 Field XXXX ( Account Status ) and Field XXXX ( DOFD Date of First Delinquency ). 
3. Unverified or Unsubstantiated Derogatory Information : Despite my previous disputes, no documentation has been provided to validate the accuracy of the derogatory information, as required under FCRA 1681i. 
4. Failure to Correct Known Errors : Several of these accounts were previously disputed, yet the credit reporting remains unchanged. This may constitute negligent or willful noncompliance under FCRA 1681s-2 ( b ).

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 2025-03-28 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:
I am filing this complaint against the Department of Education XXXX XXXX for inaccurate and non-compliant credit reporting on eight ( 8 ) active XXXX  loan tradelines listed on my Experian credit report. These accounts contain multiple Metro 2 and FCRA violations that have not been corrected, despite prior disputes. 

Key Issues : 1. Payment History Violations : The accounts report repeated patterns of ND ( no data ) and 90 ( 90 days late ) month after month, sometimes back-to-back, without continuity or explanation. This is not consistent with proper reporting practices outlined in Metro 2 field codes XXXX. 
2. Inaccurate Account Status Reporting : These accounts remain open, with extremely aged delinquency notations dating back several years. This raises red flags under Metro 2 Field XXXX ( Account Status ) and Field XXXX ( DOFD Date of First Delinquency ). 
3. Unverified or Unsubstantiated Derogatory Information : Despite my previous disputes, no documentation has been provided to validate the accuracy of the derogatory information, as required under FCRA 1681i. 
4. Failure to Correct Known Errors : Several of these accounts were previously disputed, yet the credit reporting remains unchanged. This may constitute negligent or willful noncompliance under FCRA 1681s-2 ( b ).

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief