vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : TransUnion Consumer Relations XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information in My Credit Report File Number : XXXX Dear TransUnion Dispute Department , I am writing to formally dispute certain inaccurate and/or unverifiable information contained in my credit report dated XX/XX/XXXX. I request that the following corrections be made to ensure the accuracy and completeness of my file.

1. Name and Address Correction Please update my personal information to reflect the accurate and current information below : Name : XXXX XXXX ( only ) Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove any other versions of my name or outdated/incorrect addresses, including : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are no longer valid or relevant.

2. Unauthorized XXXX Inquiries The only valid hard inquiry on my report is from XXXX XXXX on XX/XX/XXXX. I am disputing all other hard inquiries listed on my report as inaccurate or unauthorized. These inquiries include but are not limited to : 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 Please initiate an investigation into these inquiries and provide verification of my authorization. If verification can not be provided, I request immediate removal of these inquiries from my credit file.

3. Dispute of All Negative Items Please investigate and remove any and all negative accounts or derogatory remarks currently listed on my report. I request verification of each negative items accuracy and my association with the account. If these accounts can not be verified in compliance with the FCRA, they must be removed immediately. 

I have enclosed a copy of my credit report and government-issued ID to assist with the investigation. 

Please provide a written confirmation once the corrections have been made. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-08-07 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : TransUnion Consumer Relations XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information in My Credit Report File Number : XXXX Dear TransUnion Dispute Department , I am writing to formally dispute certain inaccurate and/or unverifiable information contained in my credit report dated XX/XX/XXXX. I request that the following corrections be made to ensure the accuracy and completeness of my file.

1. Name and Address Correction Please update my personal information to reflect the accurate and current information below : Name : XXXX XXXX ( only ) Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove any other versions of my name or outdated/incorrect addresses, including : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are no longer valid or relevant.

2. Unauthorized XXXX Inquiries The only valid hard inquiry on my report is from XXXX XXXX on XX/XX/XXXX. I am disputing all other hard inquiries listed on my report as inaccurate or unauthorized. These inquiries include but are not limited to : 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 Please initiate an investigation into these inquiries and provide verification of my authorization. If verification can not be provided, I request immediate removal of these inquiries from my credit file.

3. Dispute of All Negative Items Please investigate and remove any and all negative accounts or derogatory remarks currently listed on my report. I request verification of each negative items accuracy and my association with the account. If these accounts can not be verified in compliance with the FCRA, they must be removed immediately. 

I have enclosed a copy of my credit report and government-issued ID to assist with the investigation. 

Please provide a written confirmation once the corrections have been made. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXXXXXX I'm 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 displaying my signature. If not, please delete account XXXX XXXXXXXX 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 2025-08-07 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: GA

Complaint narrative:
A collection account from XXXX XXXX  appeared on my credit report with a reported date of XX/XX/XXXX. I do not recognize this debt, was never notified about it, and have never received any communication or validation from XXXX XXXX or any collection agency acting on their behalf. 

I did not receive a written notice of this collection, nor was I given the opportunity to validate or dispute the debt within the required XXXX timeframe under the Fair Debt Collection Practices Act ( FDCPA ). I have never opened or knowingly defaulted on any account with XXXX XXXX. 

On XX/XX/XXXX, I reviewed my credit report and saw this account for the first time. Since then, I have not received any explanation or proof of the debts validity. I am requesting that the company provide full validation of the account, including the original creditor, itemized charges, and proof that the debt belongs to me. If they can not do so, I am asking that the account be removed from all credit reporting agencies. 

I believe this XXXX be an error or possible case of mistaken identity, and I am exercising my rights under the FCRA and FDCPA to dispute this item. Please investigate this matter and ensure that companies reporting inaccurate or unverifiable information are held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
A collection account from XXXX XXXX  appeared on my credit report with a reported date of XX/XX/XXXX. I do not recognize this debt, was never notified about it, and have never received any communication or validation from XXXX XXXX or any collection agency acting on their behalf. 

I did not receive a written notice of this collection, nor was I given the opportunity to validate or dispute the debt within the required XXXX timeframe under the Fair Debt Collection Practices Act ( FDCPA ). I have never opened or knowingly defaulted on any account with XXXX XXXX. 

On XX/XX/XXXX, I reviewed my credit report and saw this account for the first time. Since then, I have not received any explanation or proof of the debts validity. I am requesting that the company provide full validation of the account, including the original creditor, itemized charges, and proof that the debt belongs to me. If they can not do so, I am asking that the account be removed from all credit reporting agencies. 

I believe this XXXX be an error or possible case of mistaken identity, and I am exercising my rights under the FCRA and FDCPA to dispute this item. Please investigate this matter and ensure that companies reporting inaccurate or unverifiable information are held accountable.

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 2025-08-07 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-08-07 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: TX

Complaint narrative:
I am writing to report identity theft and to request the removal of fraudulent accounts and inquiries from my credit report. These items were not opened or authorized by me.

As provided under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that the unauthorized information be blocked and deleted from my file.

Please confirm in writing once the corrections have been made.

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 2025-08-07 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
This is my XXXX  follow up a compalint and final notice requesting that you investigate and remove the following items from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ). Under this section, a consumer reporting agency XXXX only furnish a consumer report if there is a permissible purpose, as defined by law. I have repeatedly requested proof that the following party/parties had a legally permissible purpose to access and report information on my credit file : Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
This is my XXXX  follow up a compalint and final notice requesting that you investigate and remove the following items from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ). Under this section, a consumer reporting agency XXXX only furnish a consumer report if there is a permissible purpose, as defined by law. I have repeatedly requested proof that the following party/parties had a legally permissible purpose to access and report information on my credit file : Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/scrub>XXXX  {$490.00} I sent an letter requesting validation of debt owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-08-07 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:
Under FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), it is unlawful for any person to obtain or use a consumer report without a permissible purpose. After reviewing my credit report, I have identified the above account as erroneous, unauthorized, and inaccurately reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I am filing a complaint against XXXX regarding an auto loan tied to my XXXX purchase ( XXXX XXXX XXXX ). The loan totals {$23000.00} but includes a finance charge of {$14000.00}, resulting in total payments of {$37000.00} over 74 months at 17 % APR. 
Despite making timely payments of {$500.00}, my loan balance barely decreases. XXXX has not clearly itemized how payments are allocated nor disclosed all optional products, insurance, or fees that may have been bundled into the loan. 
I suspect predatory lending, TILA violations, and deceptive practices. I request a full investigation and refund/reduction of unjustified charges. 
Name 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 2025-08-07 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: TX

Complaint narrative:
I am filing a complaint against XXXX regarding an auto loan tied to my XXXX purchase ( XXXX XXXX XXXX ). The loan totals {$23000.00} but includes a finance charge of {$14000.00}, resulting in total payments of {$37000.00} over 74 months at 17 % APR. 
Despite making timely payments of {$500.00}, my loan balance barely decreases. XXXX has not clearly itemized how payments are allocated nor disclosed all optional products, insurance, or fees that may have been bundled into the loan. 
I suspect predatory lending, TILA violations, and deceptive practices. I request a full investigation and refund/reduction of unjustified charges. 
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, AR 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 2025-08-07 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:
I am filing a complaint against XXXX regarding an auto loan tied to my XXXX purchase ( XXXX XXXX XXXX ). The loan totals {$23000.00} but includes a finance charge of {$14000.00}, resulting in total payments of {$37000.00} over 74 months at 17 % APR. 
Despite making timely payments of {$500.00}, my loan balance barely decreases. XXXX has not clearly itemized how payments are allocated nor disclosed all optional products, insurance, or fees that may have been bundled into the loan. 
I suspect predatory lending, TILA violations, and deceptive practices. I request a full investigation and refund/reduction of unjustified charges. 
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
I am writing to formally dispute and request the removal of fraudulent information currently appearing on my credit report. I am a victim of identity theft, and there are several accounts and inquiries listed that I did not authorize, initiate, or open.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that all unauthorized and fraudulent accounts and inquiries be blocked from my credit file and removed promptly.

Please take the necessary steps to review and remove the fraudulent items from my credit report. I request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief