vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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:
XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX, XXXX Ga, XXXX. 
Email Address : XXXX Phone XXXX. 
Date : XX/XX/XXXX To : Transunion llc Address : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Credit Inquiries- Demand for Removal Under 15 USC 1681b and 15 USC 1681i Dear Credit Bureau TransUnion LLC Dispute Department , I am formally disputing several inquiries listed on my credit report that appear to have been made without my authorization and without a permissible purpose as defined under 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, a consumer reporting agency may only furnish a consumer report to a third party if the third party has a permissible purpose under the law, such as a credit application initiated by the consumer. 
I have not initiated any such applications with the following entities, nor have I provided consent for them to access my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX  - Date : XX/XX/XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX These inquiries were not initiated by me, authorized by me, or made for a legally permissible purpose. Therefore, under 15 USC 1681b ( f ), these entities had no right to access my credit file.

Additionally, under 15 USC 1681i, I am requesting an immediate reinvestigation of these inquiries. If you are unable to verify that a permissible purpose existed, these inquiries must be permanently removed from my credit file.

I am requesting the following actions : 1. Conduct a thorough reinvestigation of the inquiries listed above. 
2. Provide documentation proving that each inquiry was made with a valid permissible purpose and with my express written consent.

3. If you can not verify the inquiries in accordance with FCRA guidelines, delete them from my credit report immediately.

4. Provide me with a written statement confirming the results of your reinvestigation.

Please consider this letter a formal dispute. I expect a response within the 30-day period as required by law. Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General. 
Sincerely, 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 2025-08-01 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 am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against XXXX XXXX XXXX } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { XXXX XXXX } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX  XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { XXXX XXXX XXXX } Lawsuit Reference This is not isolated. The CFPB filed suit against XXXX XXXX XXXX XXXX } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that Equifax, Experian and Transunion stated that they did a reinvestigation, yet my credit report is still inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. All credit bureaus are required to maintain and report data with complete accuracy and compliance. Credit bureaus must not report any claims that you know should be in compliance with regulations. They need to make sure all of my claims are accurate and reported in the correct format. 

Equifax, Transunion and Experian have been sending out form letters in response to many of the disputes and challenges the documentation that I have submitted, regardless of if I provided the exact information that they request. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. They use the form letter as a stall tactic and their dispute resolution emails and platforms do not provide anything about the resolution of the dispute, who they talked to the company name, the master promissory note or anything. This is required by law ( FCRA ) as well as reporting standards METRO 2 compliance. 
However, when I requested evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiries or accounts within my report must be included Experian, Equifax and Transunion all failed from XX/XX/year> - Present any information requested by law. 
I am formally disputing inaccurate information on my credit report under the FCRA, 15 U.S.C. 1681i.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that Equifax, Experian and Transunion stated that they did a reinvestigation, yet my credit report is still inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. All credit bureaus are required to maintain and report data with complete accuracy and compliance. Credit bureaus must not report any claims that you know should be in compliance with regulations. They need to make sure all of my claims are accurate and reported in the correct format. 

Equifax, Transunion and Experian have been sending out form letters in response to many of the disputes and challenges the documentation that I have submitted, regardless of if I provided the exact information that they request. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. They use the form letter as a stall tactic and their dispute resolution emails and platforms do not provide anything about the resolution of the dispute, who they talked to the company name, the master promissory note or anything. This is required by law ( FCRA ) as well as reporting standards METRO 2 compliance. 
However, when I requested evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiries or accounts within my report must be included Experian, Equifax and Transunion all failed from XX/XX/year> - Present any information requested by law. 
I am formally disputing inaccurate information on my credit report under the FCRA, 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: IA

Complaint narrative:
Follow-Up to CFPB Case # : XXXX Submitted by : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX IA XXXX XXXX : XX/XX/XXXX This is my formal rebuttal and follow-up regarding CFPB Complaint # XXXX. The company response received from Experian was non-substantive and did not comply with the legal requirements under federal consumer protection laws. The issue remains unresolved. 

Problem Summary : Despite submitting a full dispute with supporting documentation, Experian, XXXX XXXX XXXX, and XXXX XXXX XXXX have failed to : Provide a signed contract with my wet signature Produce a full itemized accounting ledger per XXXX Show legal chain of title or proof of assignment from XXXX Prove the alleged debt is not time-barred under Iowa Code 614.1 ( 6 ) Submit IRS Form 1099-C or proof the account was not charged off, securitized, or otherwise discharged Provide licensing documentation to legally collect debt in the State of Iowa Remove inaccurate or unverified tradelines from my credit report Conduct a lawful reinvestigation within the FCRAs 30-day window Instead, Experian responded with boilerplate links to its dispute portal and no substantive documentation. This is a violation of 15 U.S.C. 1681i, and a continued injury under 15 U.S.C. 1681n and 15 U.S.C. 1692g.

Final Request for Enforcement : Because the 15-business-day period has already passed, I now request that the CFPB : Enforce immediate deletion of this unverifiable account from Experian XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX to provide material validation or cease reporting Issue penalties or take appropriate action for continued noncompliance If unresolved within 7 calendar days, I will escalate this complaint to : The Federal Trade Commission ( FTC ) The Iowa Attorney Generals Office The U.S. Department of Justice Consumer Protection Branch File civil litigation under FCRA and FDCPA for statutory damages Attachments ( previously submitted ) : XXXX  - XXXX  Inquiry Response XXXX  Updated Collection Letter ( XX/XX/XXXX ) Final Demand Letter XXXX FDCPA Validation & Deletion Demand Letter Please confirm once deletion or regulatory enforcement occurs.

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 2025-08-01 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: CA

Complaint narrative:
I am writing to report a fraudulent account appearing on my credit file. I have no association with the creditor listed and never applied for or authorized this account.

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 2025-08-01 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: AL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-01 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: AL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: NM

Complaint narrative:
I paid off the loan in XXXX and have attempted to get the title for XXXX year the from XXXX till now I have been trying to get a release of XXXX. I requested again in XXXX told 10 business days waited contacted again another 10 business days the reached out in XXXX advised another 10 business days still no documents this XXXX is now costing me additional money each month as I can not trade in or sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 requesting the following actions be taken immediately in accordance with the Fair Credit Reporting Act ( FCRA ) and related federal laws : Permanent deletion of the fraudulent account listed below, which I did not open and which was the result of identity theft XXXX XXXX XXXX  Account Number : XXXX Blocking of all identity theftrelated information as required under 15 U.S.C. 1681c2, within 4 business days of receiving the documentation I already submitted ( including my FTC Identity Theft Report, valid government-issued ID, Social Security card , and proof of address ).

A corrected and updated copy of my credit report reflecting the permanent deletion and block of this account.

Written confirmation that the account has been deleted and all related data has been blocked from reappearing. 

If this resolution is not fulfilled promptly and completely, I will proceed with : Filing formal complaints with the CFPB, FTC, XXXX and State Attorney General offices, and Pursuing legal remedies under FCRA 616, which provides for statutory damages of up to {$1000.00} per violation, plus attorneys fees and other associated costs.

This is not a request it is a legal obligation on your part. I expect this issue to be resolved 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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have XXXX American Express points. I requested they transfer them to XXXX XXXX. I began my request in XXXX and Im always told they will follow up and neither do they follow up or fix it. I have chat records from XX/XX/XXXX through now but my initial request was in early XXXX. I have never been able to transfer these points anywhere! I tried Choice hotels in XXXX and it appeared to work but never did. 
I earned these points over many years and they are withholding them from my use despite their partnership with XXXX. Today they had me call XXXX to remove the salutation XXXX before my name. They said that was the problem. Singapores system requires you to have a salutation and it can not be removed. 
Someone needs to get my miles transferred. This is total fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-01 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a complaint regarding concerning practices involving major credit card providers, XXXX XXXX XXXX which appear to restrict legal transactions based on content or viewpoint a form of financial censorship that undermines consumer freedom of choice. 

Recently there have been instances where credit card transactions for legal goods or services have been blocked or discouraged, seemingly due to ideological, political, or content-based reasons rather than compliance or safety concerns. This trend is deeply troubling and suggests the use of financial infrastructure to suppress lawful commerce and expression. Notably companies such as Steam ( evaluation estimated to be over XXXX XXXX ) have been forced to make decisions to remove content. 

As a consumer, I believe I should have the right to use my credit card for any legal transaction without interference or discrimination based on subjective values held by financial institutions or payment processors. These actions not only infringe upon economic freedom but may violate core consumer protection principles. 

I urge the CFPB to investigate this growing pattern of credit card censorship and evaluate whether such practices violate consumer rights or amount to unfair, deceptive, or abusive acts under existing law. 

Thank you for your attention to this critical matter. I believe this is akin to breaking freedom of speech by not allowing users to freely spend their hard earned money on legal items that might go against anothers morals. We live in a diverse and opinionated world ( myself included ) and just about anything will be upsetting to someone somewhere. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation