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

Complaint narrative:
I am disputing multiple unauthorized hard inquiries on my credit reports with Experian, Equifax, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report when the consumer has provided written authorization. I have never provided such authorization to the listed creditors, nor do I have any relationship with them.

On [ date you sent letters ], I sent certified mail dispute letters to all three bureaus, citing both FCRA 604 and XXXX XXXX guidelines, requesting verification of the permissible purpose and a copy of the signed credit applications. I also opened disputes by phone. 

Despite my disputes, the bureaus failed to provide proof of authorization and have continued to report these inquiries, which violates FCRA 611 ( failure to investigate ) and XXXX XXXX standards requiring the removal of unverifiable information. 

I am requesting the CFPB to compel Experian, Equifax, and TransUnion to : Delete the disputed inquiries from my credit file. 

Provide a written statement confirming the removal. 

Attached are : Copies of my dispute letters sent to each bureau Proof of delivery ( certified mail receipts ) Copies of my credit report showing the unauthorized inquiries Any responses received from the bureaus

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 2025-08-08 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: CA

Complaint narrative:
I am disputing multiple unauthorized hard inquiries on my credit reports with Experian, Equifax, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report when the consumer has provided written authorization. I have never provided such authorization to the listed creditors, nor do I have any relationship with them.

On [ date you sent letters ], I sent certified mail dispute letters to all three bureaus, citing both FCRA 604 and XXXX XXXX guidelines, requesting verification of the permissible purpose and a copy of the signed credit applications. I also opened disputes by phone. 

Despite my disputes, the bureaus failed to provide proof of authorization and have continued to report these inquiries, which violates FCRA 611 ( failure to investigate ) and XXXX XXXX standards requiring the removal of unverifiable information. 

I am requesting the CFPB to compel Experian, Equifax, and TransUnion to : Delete the disputed inquiries from my credit file. 

Provide a written statement confirming the removal. 

Attached are : Copies of my dispute letters sent to each bureau Proof of delivery ( certified mail receipts ) Copies of my credit report showing the unauthorized inquiries Any responses received from the bureaus

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

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B 15 USC 1681c2

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 2025-08-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. My personal information was exposed in a data breach and is now being used fraudulently, without my knowledge or consent. I discovered unauthorized accounts and activity on my credit report that I did not initiate or authorize. These accounts were opened or used as a result of identity theft.

Under the Fair Credit Reporting Act ( FCRA ) 605B, I am exercising my right to have all fraudulent information resulting from this identity theft blocked from my credit report. I have not authorized any of the disputed accounts or transactions, and I am requesting that each credit reporting agency conduct an immediate reinvestigation and block these items pursuant to federal law.

This statement is submitted as part of my formal identity theft report. I am requesting all necessary protections and actions under federal consumer protection laws.

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 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. My personal information was exposed in a data breach and is now being used fraudulently, without my knowledge or consent. I discovered unauthorized accounts and activity on my credit report that I did not initiate or authorize. These accounts were opened or used as a result of identity theft.

Under the Fair Credit Reporting Act ( FCRA ) 605B, I am exercising my right to have all fraudulent information resulting from this identity theft blocked from my credit report. I have not authorized any of the disputed accounts or transactions, and I am requesting that each credit reporting agency conduct an immediate reinvestigation and block these items pursuant to federal law.

This statement is submitted as part of my formal identity theft report. I am requesting all necessary protections and actions under federal consumer protection laws.

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 2025-08-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, Experian, and Equifax continue to report incorrect information on my credit report. There are several names and addresses listed that do NOT belong to me. I will give each credit bureau a chance to delete the incorrect information or provide the results from their investigation that verifies the information as accurate. To not cause any confusion my name is XXXX XXXX. My address is XXXX XXXX XXXX  XXXX XXXX GA XXXX. There should be no other names or addresses listed on my credit 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following accounts were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. One bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXX Balance : {$24000.00} XXXX XXXX L XXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$250.00XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following accounts were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. One bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXX Balance : {$24000.00} XXXX XXXX L XXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$250.00XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Subject : Follow-Up Complaint Midland Credit Management Ongoing Inaccurate Reporting & Failure to Address Violations. 

Original Complaint # : XXXX Bureaus Involved : XXXX XXXX XXXX 

Summary of Issue : This is a follow-up complaint regarding Midland Credit Managements continued inaccurate reporting of multiple collection accounts, despite my prior complaint and their prior response. The CFPB closed the initial complaint after Midland marked the accounts as Cease and Desist but did not delete the tradelines or correct the ongoing reporting violations. 

Background : On XX/XX/, I filed a complaint against Midland for : Collecting in Wisconsin without a required license under Wis. Stat. 218.04. 

Reporting inaccurate and misleading information to the credit bureaus. 

Failing to provide complete debt validation. 

XXXX XXXX non-compliance in status/balance reporting. 

Midland responded by stating the accounts are in Cease and Desist status but did not address : Their unlicensed collection activity in Wisconsin.

The inaccurate credit reporting of Closed accounts with active balances. 

Failure to provide chain of title, proof of ownership, or complete billing history. 

Ongoing Violations : As of XX/XX/, my credit reports from XXXX, XXXX, and XXXX  still show the same Midland tradelines with balances, despite the Cease and Desist status and lack of legal authority to collect in Wisconsin. 

This is a continued violation of : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information with knowledge of inaccuracies.
FDCPA 807 ( 10 ) Misleading representations. 

XXXX XXXX Credit Reporting Resource Guide Closed accounts with no active collection should report {$0.00} balance or be deleted. 

Relief Sought : Immediate deletion of all Midland Credit Management tradelines from all credit bureaus.

Confirmation in writing that Midland will cease all collection and reporting on these accounts.

Investigation into Midlands unlicensed collection activity in Wisconsin.

Attachments : Original CFPB complaint and Midlands response.

Current credit reports showing ongoing inaccurate reporting. 

Wisconsin XXXX search results showing no license for Midland. 

Bureau dispute letters sent after Midlands response.

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

Complaint narrative:
HELLO MYM NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND THO FOLLOWING FRAUDULENT ACCOUNT FROM XXXX XXXX OPENED IN XXXX MUST BE REMOVED FROM MY CREDIT REPORT. ALSO FOLLOWING FRAUDULENT INQUIRIES MUST BE REMOVOMED FROM MY CREDIT REPORT NOW. I AM THE ONLY PERSON WHO MADE THIS STATEMENT

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

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

XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting this formal complaint against Experian for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXX XXXXXXXX XXXXwas previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Experian has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

Experians actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of Experians violation and my demand for immediate corrective action.

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 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My account was hacked and they sent themselves XXXX via Zelle and no one helped. They sent like XXXX a day and my account went into the negatives

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
There is a false late payment listed on my credit report that I believe was reported in error. I have verified with my own records that the payment was made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My phone broke. I tried gaining access to my accounts. They are unable to authorize me. No Bank should refuse to assist between certain hours. This is ridiculous and should be if not already illegal. 

Between XXXXXXXX XXXX  and XXXXXXXX XXXX EST they do not offer any assistance. They have no human support. The automated system does not work. 

Banking assistance should be 24/7. How is this legal????

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

Complaint narrative:
I disputed XXXXXXXX XXXX XXXXXXXX these account because it is inaccurate and unverifiable. The account was previously deleted from my credit reports and then reinserted without written notice, which violates 15 USC 1681i ( a ) ( 5 ) ( B ). 

I requested the original signed contract or promissory note with my wet ink signature and the full method of verification per 1681i ( a ) ( 6 ). None was provided. Instead, the bureaus marked it as Verified or Updated without performing a reasonable reinvestigation as required under 1681i ( a ) ( 1 ), relying solely on the furnishers word.

This also violates 1681c-2 and 1681s-2, and constitutes willful noncompliance under 1681n and 1681o.

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 2025-08-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Sezzle Inc.
State: TX

Complaint narrative:
I am filing a complaint against Sezzle Inc. for failing to respond to a formal request to revoke payment authorization, as permitted in their own User Agreement. 

On XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/year>, I emailed their designated address ( payment_method_revocation@sezzle.com ) to request a revocation of authorization for all payment methods on file. Sezzle 's own User Agreement ( Section XXXX ) states that a customer may revoke authorization by sending an email and completing a revocation form provided by Sezzle. 

As of today, XX/XX/XXXX, I have received no response or revocation form from Sezzle. This is a violation of their stated process and places me at risk of being billed against my consent. I have acted in good faith, followed their instructions exactly, and waited well beyond a reasonable timeframe for a reply. 

I believe Sezzle is either neglecting or actively deprioritizing revocation requests, which could result in unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report and I see an account that I know nothing about.I will like for it to be removed from my credit 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