vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: AZ

Complaint narrative:
Subject : Credit Bureaus Refusing to Accept FCRA 611 Consumer Disputes for Unauthorized Inquiries I am filing a complaint because Experian, Equifax, and TransUnion are refusing to accept my FCRA 611 consumer dispute regarding multiple unauthorized hard inquiries that I did not initiate or authorize. 

I attempted to resolve this directly with each bureau, but all three refused to open a 611 dispute. All three credit bureaus either refused to open a dispute, miscategorized the dispute as identity theft, or incorrectly required a letter from the creditor before investigating. These actions violate FCRA 611 ( a ) ( 1 ), which requires CRAs to accept and investigate ANY consumer dispute. 
I am NOT alleging identity theft.

I am disputing these inquiries due to unauthorized access and lack of permissible purpose under FCRA 604.

The bureaus incorrectly demanded a creditor letter, which applies only under 623 for furnisher-initiated corrections, not 611 consumer disputes. I am exercising my right to dispute the information directly. 

UNAUTHORIZED INQUIRIES TRANSUNION XXXX XX/XX/year> XXXXXX/XX/2025XX/XX/year> UNAUTHORIZED INQUIRIES EQUIFAX XXXXXX/XX/2025XX/XX/year> UNAUTHORIZED INQUIRIES EXPERIAN XXXX / XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> These inquiries were not authorized by me. I did not apply for credit with these companies, and I did not grant permissible purpose for these lenders to access my credit file. I contacted each bureau and was denied the right to dispute these inquiries under 611.

Requested Resolution : I am requesting that the CF
PB require all three credit bureaus to : Accept my 611 consumer dispute, Investigate each of these unauthorized inquiries, Require each furnisher to produce signed, dated authorization proving permissible purpose, and Delete any inquiry that can not be verified. 


The refusal of the bureaus to accept my dispute is preventing me from exercising my rights under the FCRA and is negatively affecting my credit profile and access to financing. These unauthorized inquiries have lowered my credit score, caused credit denials, and are affecting my ability to obtain financing for essential needs. I am seeking immediate correction.

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 2025-12-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjust account # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt with my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX filing this dispute to challenge the denial of the fraud claim I filed with Bank of America XXXX XXXXXXXX credit card on XX/XX/year>, for XXXX unauthorized charges to my credit card that occurred in XXXX XXXX. Recently, I traveled to XXXX XXXX for both pleasure and work from XX/XX/year> to XX/XX/year>. On Sunday, XX/XX/year>, my husband and I went sightseeing through the city. Below are the charges that I recall making on my card that day : XXXX : We took a taxi from XXXX XXXX to XXXX. I used my card to pay for this taxi ride after my husbands credit card ( XXXX XXXX ) denied the charge. I dont see a charge from this vendor and I did not request a receipt. 
Restaurant XXXX near XXXX ( there is a charge of {$18.00} which I made ) XXXX XXXX ( we stayed at this hotel and I charged {$39.00} to drinks in the bar on that day ) When I returned from the trip, I reviewed my credit card statement in order to prepare my expense report for work. When reviewing my statement I noticed XXXX unauthorized charges on my account, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} CLIP MXXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} I did not authorize either of these charges and never set foot in a pharmacy while in XXXX. The only explanation I have is that either the taxi driver or the server at the restaurant or hotel ran my card for those amounts while they had the physical card in their possession. XXXX guessing it was the taxi driver since I dont see a charge from the taxi driver and have a vague recollection of him running my card twice on his mobile device because he said it didnt go through the first time. 

I filed a police report with the XXXX XXXX police department and provided it to Bank of America in hopes that it would assist with resolving this matter. The police number is : XXXX. It has now been over XXXX months since I filed the fraud claim and the issue has not been resolved. Bank of America has denied my claim XXXX times and I continue to appeal it. I declare under penalty of perjury that neither of these charges were authorized by me and that I am the victim of theft/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 monetary relief
Consumer complaint received 2025-12-08 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: NV

Complaint narrative:
Dear Credit Reporting Agency, I am writing to dispute several medical collection accounts appearing on my credit report. Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my legal right to request full validation of each alleged debt that is being reported by any third-party debt collector. 

Under federal law, any collection account reported to your bureau must be verified, validated, and accurately documented by the debt collector before it can remain on my credit report. Therefore, I am formally requesting that you : XXXX. Obtain and provide validation of each medical collection account, including : The name of the original medical provider, The date of service, The itemized amount owed, and XXXX of my contractual obligation to pay this debt. 
XXXX. Immediately delete any medical debt or collection account that can not be fully validated as required under 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which mandates the removal of unverifiable or inaccurate information from consumer reports. 

Please conduct your investigation and provide a written response confirming either validation or deletion of the disputed accounts. Continued reporting of unverifiable medical debt constitutes a violation of both the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NV

Complaint narrative:
Dear Credit Reporting Agency, I am writing to dispute several medical collection accounts appearing on my credit report. Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my legal right to request full validation of each alleged debt that is being reported by any third-party debt collector. 

Under federal law, any collection account reported to your bureau must be verified, validated, and accurately documented by the debt collector before it can remain on my credit report. Therefore, I am formally requesting that you : XXXX. Obtain and provide validation of each medical collection account, including : The name of the original medical provider, The date of service, The itemized amount owed, and XXXX of my contractual obligation to pay this debt. 
XXXX. Immediately delete any medical debt or collection account that can not be fully validated as required under 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which mandates the removal of unverifiable or inaccurate information from consumer reports. 

Please conduct your investigation and provide a written response confirming either validation or deletion of the disputed accounts. Continued reporting of unverifiable medical debt constitutes a violation of both the FDCPA and the FCRA.

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 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX of 2025 I requested a payment deferment on my title loan that I have. I was told that it needed approval and they would get back to me. The person got back to me on the same day just an hour later stating that it was approved and told me the details and if I understood the terms. I replied that I did and accepted it. I then got another email stating that it would be applied to my account within XXXX hours. On Saturday XX/XX/XXXX I realized that it had in fact not been applied to my account and I reached out. They were closed. I reached out again on Monday morning and was told that it is was never approved and that it was denied and that they were just sorry for the inconvenience. So now my payment is past due. Companies can not mess with peoples financial well being like this. They cant approve something and then decide to take it back. It needs to be fixed and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
The following accounts on my Equifax credit report are being disputed due to inaccuracies. I request that these items be investigated and removed if they can not be properly verified. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXccount Number : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} BANKRUPTCY Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$5800.00} Late Payment : XXXX Account XXXX : XXXX * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: GLOBAL CREDIT UNION

Complaint narrative:
By XX/XX/XXXX, I have closed my refinance with global credit union and they promised refund for the extra interest I paid from XX/XX/XXXX to XX/XX/XXXX. The estimate amount is {$2000.00} or more. I have check with my agent but they always assured me the money will be there after XXXX business days but not providing any more information. Now that XXXX business has passed and there is XXXX communication about this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: VA

Complaint narrative:
I am writing to formally dispute several accounts that have been inaccurately reported on my credit report. Below are the details of the accounts I am disputing, separated by each credit bureau ( TransUnion ). 

I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. 

Charged Off Accounts : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} UNIT CON FIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Inquiries : XXXX CARD Date : XX/XX/XXXX XXXX CARD 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 non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-08 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: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
I recently reviewed my credit report and noticed that an account is not being reported accurately. The report shows XXXX late payments that were, in fact, made on time. 

Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure that all reported information is complete and accurate. This account has never been late, and I have maintained timely payments throughout. 

I have attached a copy of my credit report highlighting the incorrect information, as well as proof of payment for the affected period. The reported late payment occurred on XXXX, 2022. 

I am requesting that you investigate this matter and update the account status to reflect Paid on time immediately. 

Thank you for your understanding and prompt attention to correcting this error.

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 2025-12-08 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: MA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

I looked at myXX/XX/XXXXXXXX TransUnion 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 XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 (XX/XX/XXXX) 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 (XX/XX/XXXX ) 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 XXXX 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 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 2025-12-08 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: FL

Complaint narrative:
The absence of verifiable evidence supporting the accuracy of this account, coupled with the reporting of unverified information, constitutes a violation of 15 U.S.C. 1681i ( 7 ). This failure to comply with legal requirements is both concerning and frustrating, given the importance of ensuring accurate and fair reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally dispute the legitimacy of a joint credit card account that was opened using my personal information without my knowledge, authorization, or consent. My ex-husband, XXXX XXXX XXXX, opened this joint account and obtained credit in both of our names despite the fact that we separated in late XXXX and legally divorced in XXXX. At no time did I authorize, participate in, or consent to the application or use of this account. 

I only recently became aware of the existence of this unauthorized joint credit card when XXXX XXXX XXXX closed the account, leaving an outstanding balance of {$10000.00}. Prior to this recent discovery, I had no knowledge that such an account existed or that credit had been extended in my name. 

His unauthorized use of my personal information constitutes an abuse of my credit and has caused significant and ongoing harm. Because this account was opened and used without my consent, my credit score remained consistently low for many years. As a direct consequence, I was repeatedly unable to obtain loans or financing, which severely hindered my financial planning, creditworthiness, and long-term investment plans. The damage caused by this unauthorized debt has resulted in substantial financial losses and long-term negative impacts on my credit profile. 

I certify that the information above is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation