vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-03 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-06-03 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 writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-03 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: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
Recently there was a scammer who messaged me on XXXX pretending to be their customer support. And, sent me a link and asked me to enter my debit card in order to confirm creating an account on XXXX. Then I entered my card on the link, after which they charged me {$130.00} on the same day on XX/XX/year>. After realizing it was a scam, I filed a dispute with my card issuer KeyBank. And, today they finally made a decision against me. The scammers used the card to purchase cryptocurrency from XXXX. And, KeyBank is telling me that the transaction can not be reversed, even though I didn't receive anything, it was the scammers who did. Please help me get the money back. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
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: SC

Complaint narrative:
Immediate Removal Request of Account from Credit Report Violation of Rights Account Reference : LVNV Funding LLC ( as reported on Equifax, TransUnion, and Experian ) To Whom It May Concern, This letter is a formal demand for the immediate removal of the LVNV Funding LLC collection account from all three of my credit reports ( Equifax, TransUnion, and Experian ). This account is causing significant and unjust harm to my credit standing, including negatively affecting my ability to obtain new credit and directly increasing the interest rates on financial products for which I would otherwise qualify. 

You are currently reporting this account in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the accuracy, validity, and legal standing of this account, and I demand that it be deleted immediately from my credit profile. 

I did not receive adequate verification or proper validation of this debt as required by federal law. Furthermore, continuing to report this information without sufficient documentation constitutes a willful violation of my consumer rights and XXXX result in legal action. If this account is not removed promptly, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

This is your formal notice. You have XXXX XXXX from the receipt of this letter to complete this investigation and remove the account, or I will take further legal action to protect my rights. 

Please confirm in writing that this account has been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Dear Sir or Madam, Subject : Complaint Against XXXX XXXX XXXX for XXXX Fees I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX at XXXX Stripling Chapel XXXX XXXX XXXX XXXX, XXXX, GA XXXX, regarding a disputed balance of {$150.00} charged to my account. I believe these charges were not properly disclosed, in violation of federal consumer protection laws, and I seek your assistance in resolving this matter. 
On XX/XX/year>, I deposited a check for {$3500.00} with XXXX XXXX XXXX, which I repaid in full on XX/XX/year>. Subsequently, I was charged a balance of {$150.00}, consisting of a {$100.00} fee and a {$40.00} fee. These charges were not disclosed to me at the time of the transaction, nor were they explained verbally or in writing in a clear and conspicuous manner. I later discovered that the terms outlining these fees were printed on the back of a flyer provided by the lender, in what I consider an inconspicuous location, making it difficult for a reasonable consumer to notice or understand them. 
Under the Truth in Lending Act ( XXXX ) and other applicable federal regulations, lenders are required to clearly disclose all fees and terms associated with a financial transaction before the consumer is bound by the agreement. The failure to prominently display or explain these charges leads me to believe that XXXX XXXX XXXX did not comply with these legal requirements. 
I have formally disputed this balance with XXXX XXXX XXXX in a letter addressed to XXXX XXXX XXXX at their XXXX branch sent concurrently with this complaint on XX/XX/year> and have requested a detailed explanation of the charges, removal of the {$150.00} balance, and confirmation that no additional fees will be applied. To date, I have not received a satisfactory response. I have recorded the conversation that I initially had which is approximately XXXX minutes in total. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter to determine whether XXXX XXXX XXXX practices comply with federal consumer protection laws. Specifically, I ask for : 1. A review of the lenders disclosure practices to ensure compliance with the Truth in Lending Act.

2. Removal of the {$150.00} balance from my account.

3. Assurance that no further unauthorized charges are applied to my account. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this complaint and ensuring fair treatment under federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
MOHELA will not accept The XXXX XXXX and still takes my money every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 explanation
Consumer complaint received 2025-06-03 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX L Account Number : XXXX XXXX XXXX Account Number : 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 2025-06-03 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX L Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
This matter is causing me significant XXXX  and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

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 2025-06-03 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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

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 2025-06-03 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: VA

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute of the inaccurate and damaging late payment entries reported on my credit file by XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Specifically, your records show XXXX XXXX late payments from XX/XX/year> and XX/XX/year>. I request immediate reinvestigation of these entries in accordance with 15 U.S.C. 1681i, as I believe them to be inaccurate and unverifiable.

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], you are required to ensure that all data furnished and reported is verified and reflects maximum possible accuracy. I request : Documentation from XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX  proving that these late payments occurred, including payment logs, billing statements, and any notices of delinquency. 

A full investigation into whether these payment statuses were reported correctly and in compliance with FCRA and Metro 2 compliance standards. 

In the absence of full documentation, these late payments must be immediately deleted from my file. If you can not verify these entries with a documented payment record from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, their continued reporting constitutes a violation of the FCRA and subjects you to potential liability. 

Please remove these derogatory entries or provide documented proof of their accuracy within 30 days of receipt of this letter. If this matter is not resolved, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and may consider legal remedies. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute of the inaccurate and damaging late payment entries reported on my credit file by XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Specifically, your records show XXXX XXXX late payments from XX/XX/year> and XX/XX/year>. I request immediate reinvestigation of these entries in accordance with 15 U.S.C. 1681i, as I believe them to be inaccurate and unverifiable.

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], you are required to ensure that all data furnished and reported is verified and reflects maximum possible accuracy. I request : Documentation from XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX  proving that these late payments occurred, including payment logs, billing statements, and any notices of delinquency. 

A full investigation into whether these payment statuses were reported correctly and in compliance with FCRA and Metro 2 compliance standards. 

In the absence of full documentation, these late payments must be immediately deleted from my file. If you can not verify these entries with a documented payment record from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, their continued reporting constitutes a violation of the FCRA and subjects you to potential liability. 

Please remove these derogatory entries or provide documented proof of their accuracy within 30 days of receipt of this letter. If this matter is not resolved, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and may consider legal remedies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation