vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-13 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: FL

Complaint narrative:
On XX/XX/XXXX, I filed a complaint through the CFPB because my credit report contained multiple hard inquiries that were made without my authorization or any permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ) 604 ( a ).

In my initial dispute, I requested that Experian conduct a proper investigation and provide documented proof of written authorization or permissible purpose for each inquiry.

However, the response I received from Experian was a generic template letter that failed to address my dispute. They did not provide any verification, documentation, or evidence that any of these inquiries were authorized by me. Instead, they simply referred me to their website, which does not satisfy their legal obligation under the FCRA to conduct a reasonable investigation per 611 ( a ).

This failure to investigate and verify constitutes a violation of : FCRA 604 ( a ) Each inquiry requires a permissible purpose.

FCRA 609 ( a ) ( 1 ) I have the right to know who accessed my file and for what reason.

FCRA 611 ( a ) The credit bureau must conduct a reasonable investigation and delete unverifiable information.

Disputed 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 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 2025-11-13 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024

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 2025-11-13 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX  {$320.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Subject : Incorrect Repossession Remarks Added by XXXX XXXX / XXXX I am disputing the accuracy of new derogatory remarks added to my credit file by XXXX XXXX . Between XXXX XXXX XXXX, the furnisher added two new Repossession remarks to an old, previously disputed account.

These remarks are inaccurate, misleading, and do not reflect the true status of the account.

This violates : FCRA 1681s-2 ( a ) ( 1 ) ( A ) accuracy requirements FCRA 1681s-2 ( b ) illegal modification/update during an active dispute FCRA 1681i ( a ) ( 5 ) ( B ) improper reinsertion without certification I request that TransUnion
: Conduct a reinvestigation under FCRA 1681i Require XXXX to certify accuracy of the new repossession remarks If XXXX can not certify, delete the remarks and/or the tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Subject : Incorrect Repossession Remarks Added by XXXX XXXX / XXXX I am disputing the accuracy of new derogatory remarks added to my credit file by XXXX XXXX . Between XXXX XXXX XXXX, the furnisher added two new Repossession remarks to an old, previously disputed account.

These remarks are inaccurate, misleading, and do not reflect the true status of the account.

This violates : FCRA 1681s-2 ( a ) ( 1 ) ( A ) accuracy requirements FCRA 1681s-2 ( b ) illegal modification/update during an active dispute FCRA 1681i ( a ) ( 5 ) ( B ) improper reinsertion without certification I request that TransUnion
: Conduct a reinvestigation under FCRA 1681i Require XXXX to certify accuracy of the new repossession remarks If XXXX can not certify, delete the remarks and/or the tradeline

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-13 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: NV

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and Transunion data breach, which makes me worry about my personal data 's security.

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 2025-11-13 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: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: GA

Complaint narrative:
For the XXXX time I have used Abound Money transfer service to send money from XXXX to XXXX for the amount of {$5500.00} on XXXX with the tracking ID XXXX and my email address is XXXX that was used at this Abound Money transfer service. 

At the time of transfer I was promised that the money will be available in the account in XXXX within XXXX business days with an estimated delivery date of XXXX. 

Money was deducted from my checking account on XXXX and as per their app money is received in XXXX on XXXX. However the money is not credited in my account till date. 

I have contacted them multiple times and they kept promising till yesterday that money will be deposited in my account latest by XXXX and that it is XXXX business days since I have initiated the transaction. 

I got doubt about this company and went online to do my research and was shocked to see that there are thousands of complaints on this company with similar issues and people complaining that they have not received the funds even after 1 month. 

Today I received another message from the companys XXXX account that I have to wait till XXXX which is way beyond their promised timeline and very similar to what others have been complaining that they will keep changing the dates and that we will never get these funds. 

How is CFPB not aware of these scams by this money transfer service despite so many complaints from several people and let them get away with this while they are robbing our hard earned money on the plain sight for so many years? 

Also the companys phone number XXXX as provided in the Legal Terms & Conditions is a non-working phone number and this company is in a practice to defraud the consumers like us with fraudulent information on their website. 

We need your help to get our money deposited in XXXX immediately as this company is either stealing our money or using it for time being for their own personal financial requirements. 

Appreciate your help in this matter please.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
IM UNAWARE OF THIS DEBT.

I DIDNT HAVE A OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. 

IF IN FACT YOU BELIEVE THAT I RECEIVED PROPER NOTIFICATION PLEASE SEND ME THE CERTIFIED MAIL WITH THE RECEIPT WITH MY SIGNATURE THERE STATING THAT I RECEIVED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-11-13 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:
I am filing this complaint because several accounts and inquiries on my TransUnion credit report appear to be inaccurate or unverifiable. 

Charged-Off Accounts in Dispute : XXXX XXXX, Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account ending in XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Balance : {$3000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX XXXX, Account ending in XXXXXXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX request a full reinvestigation and documentation from each furnisher validating the accuracy of these accounts. If TransUnion can not confirm the legitimacy of these reports with proper evidence, I request that they be deleted in accordance with the FCRA. 

Inquiry Disputes : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize or recall authorizing these inquiries. I ask that TransUnion verify whether they were made with my consent and within the permissible purpose allowed by FCRA 604. If not, please remove them from my file.

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 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Was told in a email someone had made a purchase on XXXX with pay pal of a phone purchased for XXXX and sent to California. I called the number i heard it was for a loan. They wanted to verify info they had before talking to me. But after they had my info and before I could ask they hung up on me twice. I wasn't able to get a answer about this they. I called the last time and I was able to ask why the number was on the email then they hung up immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-13 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation