vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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:
I am reporting unauthorized inquiries on my credit report due to identity theft. These inquiries were made without my consent. Please remove them from my credit file immediately. Below are the fraudulent inquiries XXXX. XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX MN XXXX Details This inquiry was not authorized by me and is fraudulent XXXX. XXXX XXXX XXXX  XXXX XXXX Date XXXX Address XXXX XXXX  XXXX XXXX XXXX VA XXXX Details This inquiry was made without my permission and is fraudulent XXXX. XXXX XXXX XXXX Date XXXX Address XXXX XXXX XXXX XXXX XXXX CA XXXX Details This inquiry was unauthorized and is a result of identity theft XXXX. XXXX XXXX XXXX  XXXX XXXX Date XXXX Address XXXX XXXX  XXXX XXXX XXXX VA XXXX Details This inquiry was not initiated by me and is fraudulent I did not apply for credit accounts or services with these entities. These inquiries are due to unauthorized use of my personal information. I have filed a police report or an identity theft report with the FTC at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viva Finance Inc.
State: NJ

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
The debt must be legally collectible within the states jurisdiction where the creditor resides. 
Creditors must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
This company has posted one or more outdated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports, XXXX. XXXX, XXXX, and XXXX XXXX respectively. 
DELETE THIS ILLEGAL COLLECTION IF TRANSFERRED THEN ALL REPORTING RIGHTS HAVE BEEN SOLD BY THIRD PARTY OWNERSHIP!!! DELETE THIS TRADELINE PERMANENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: IL

Complaint narrative:
The name of the student loan is XXXX XXXX XXXX XXXX XXXX I requested 1. Copy of the original promissory note bearing my signature 2. Detailed break down 3. Named address of creditor 4. Documentation showing you are legally authorized to collect on this debt or report it to the credit bureaus. They only provided 2 and 3 which is Detailed breakdown and named address of creditor. Which is common sense thats what can be looked at on any credit reporting site or Credit repair software.

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 2025-08-17 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: AR

Complaint narrative:
Took a look at my credit report and noticed some INQURIES that I didnt apply for any accounts,,, I gave no authorization to pull my transunion report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-17 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/year> I was shopping rates when purchasing an automobile. The dealer sent my application to XXXX lenders, all of this on the same date. I accepted a rate from XXXX XXXX XXXX XXXX and they financed my auto. XXXX XXXX XXXX is reporting all XXXX inquiries as Hard Credit Pulls when it should be reporting only XXXX hard pull. This has affected my credit score in a negative manner. I contacted XXXX and they agreed with my claim and advised they could not correct the mistake without filing an FTC Report. I went to the FTC on line and was directed to the CFPB website to file my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian\XXXXXXXX XXXX XXXX XXXX XXXXXXXXEquifaxXXXX XXXX XXXX XXXX XXXXTransUnion\XXXX XXXX XXXX XXXX XXXXRe: Unauthorized Credit Inquiries  Demand for Deletion\n\nDear Sir or Madam,\n\nI am formally disputing multiple unauthorized credit inquiries appearing on my credit file. Under the Fair Credit Reporting Act (FCRA), Section 604(a)(3), a consumer reporting agency may only furnish a credit report when there is a permissible purpose. I never authorized or granted permission to the companies listed below to access my credit file, nor did I initiate any credit transactions with them.\n\nAs such, these inquiries are a violation of federal law and must be removed immediately:\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (By Mail Only)\n\nThese inquiries were not authorized by me and are damaging to my creditworthiness.\n\nLegal Basis:\n\nFCRA 604  Requires permissible purpose before an inquiry is made.\n\nFCRA 609(a)(1)  Grants me the right to know the source of all inquiries.\n\nFCRA 611  Requires reinvestigation and deletion of inaccurate or unauthorized information.\n\nAction Requested:\n\nRemove the above unauthorized inquiries from my credit report.\n\nProvide me with an updated copy of my credit file reflecting the removal.\n\nProvide the name and permissible purpose relied upon for each inquiry if you refuse deletion.\n\nFailure to comply may result in filing complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my state Attorney Generals office.\n\nI expect your response within the 30 days required by law.\n\nSincerely,\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 2025-08-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian\XXXXXXXX XXXX XXXX XXXX XXXXXXXXEquifaxXXXX XXXX XXXX XXXX XXXXTransUnion\XXXX XXXX XXXX XXXX XXXXRe: Unauthorized Credit Inquiries  Demand for Deletion\n\nDear Sir or Madam,\n\nI am formally disputing multiple unauthorized credit inquiries appearing on my credit file. Under the Fair Credit Reporting Act (FCRA), Section 604(a)(3), a consumer reporting agency may only furnish a credit report when there is a permissible purpose. I never authorized or granted permission to the companies listed below to access my credit file, nor did I initiate any credit transactions with them.\n\nAs such, these inquiries are a violation of federal law and must be removed immediately:\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (By Mail Only)\n\nThese inquiries were not authorized by me and are damaging to my creditworthiness.\n\nLegal Basis:\n\nFCRA 604  Requires permissible purpose before an inquiry is made.\n\nFCRA 609(a)(1)  Grants me the right to know the source of all inquiries.\n\nFCRA 611  Requires reinvestigation and deletion of inaccurate or unauthorized information.\n\nAction Requested:\n\nRemove the above unauthorized inquiries from my credit report.\n\nProvide me with an updated copy of my credit file reflecting the removal.\n\nProvide the name and permissible purpose relied upon for each inquiry if you refuse deletion.\n\nFailure to comply may result in filing complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my state Attorney Generals office.\n\nI expect your response within the 30 days required by law.\n\nSincerely,\XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I looked at my credit report and noticed some fraud accounts and fraud INQURIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the data breach. 

Accounts In XXXX XXXX XXXX XXXX XXXX. {$2100.00} 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 2025-08-17 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 filing this complaint against Experian Information Solutions , Inc. for failure to comply with the Fair Credit Reporting Act ( FCRA ) and for knowingly reporting unverified and inaccurate information on my credit file. 
I submitted a dispute to Experian regarding one or more collection accounts, specifically demanding proper validation. My request included : A copy of the original contract/agreement containing my wet signature. 
A complete chain of custody/assignment of ownership from the original creditor through any third parties to the current debt collector. 
Tangible, verifiable evidence beyond a simple database verification response. 
Experian has failed to provide this documentation and instead responded with a generic verified status. This is not compliance with FCRA 611 and constitutes willful misreporting of inaccurate and unverified debt. 
As a result, Experian is continuing to publish false and damaging information on my consumer report, which is negatively impacting my creditworthiness, ability to obtain housing, and financial stability.

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 2025-08-17 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Lvn funding For XXXX XXXX is reporting XXXX accounts with XXXX different balances. I have No knowledge of either actXXXX has deleted said account from report. XXXX XXXX is still reflecting it. I dnt have any knowledge of either account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint to dispute inaccuracies on my credit report under XXXX XXXX XXXX, which permits consumer reporting agencies to provide consumer reports only for specific, legally defined purposes. The disputed accounts were reported without my authorization or knowledge, and I have not received any goods or services associated with these entries. I am requesting that these accounts be removed from my credit report to ensure its accuracy and integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Experian / Equifax XXXX TransUnion Subject : Request to Remove Outdated/Inaccurate Personal Information Dear Credit Bureau , I am writing to request the removal of outdated or inaccurate personal information from my credit file. 
The following information currently appears on my credit report but is no longer valid and should be removed : Old Address ( es ) : [ List address ( es ) to be removed ] Old Phone Number ( s ) : [ List number ( s ) to be removed ] Former Employer ( s ) : [ List employer ( s ), if applicable ] My correct and current information is as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Phone Number : XXXX Current Employer : N/A Enclosed are copies of documents to verify my identity and current information ( such as a government-issued ID and a utility bill or lease ). 
Please update my credit file to reflect only my accurate and current personal information, and confirm in writing once these corrections have been made. 
Thank you for your prompt attention. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: EQUIFAX, INC.
State: CO

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

the accounts below have violated my rights.

15 USC 1681 section 604 a section 2 it olso states a consumer reporting agency can not furnish a accounst withour my written intructions.

15 USC 1681s-2 ( A ) ( a ) a person shall 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. 

delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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