vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
Date : XX/XX/XXXX Subject : Dispute of Unauthorized Inquiries Request for Deletion Under FCRA Hello, I am writing to formally dispute certain unauthorized inquiries listed on my Experian credit report. I did not authorize these inquiries, nor do I have a business relationship with the companies listed below. Under FCRA 604 ( a ), a consumer reporting agency may only provide a report to a party with a valid permissible purpose. Without such authorization, these inquiries violate my rights under the Fair Credit Reporting Act. 
I am requesting an investigation and removal of the following unauthorized inquiries : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These inquiries were not initiated or approved by me and may negatively impact my credit profile. I request you to : Conduct a thorough investigation of each inquiry listed Remove all unauthorized inquiries Provide written confirmation of the results under FCRA 611 Copy of my credit report with disputed inquiries highlighted Thank you for your prompt 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 2025-05-17 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: GA

Complaint narrative:
Experian Consumer Name : XXXX XXXX Consumer SSN : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT INQUIRIES : * XXXX XXXX XXXX XXXX  ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft 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 2025-05-17 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against [ XXXX ] regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and to request that my student loan ( s ) be removed or discharged based on this violation.

According to FERPA, students are guaranteed the right to privacy and protection of their educational records. However, I recently discovered that my rights were violated in the following way ( s ) : [ My personally identifiable information was disclosed to a third-party servicer without my written consent, and My student loan servicer accessed or shared my education records without my authorization. ] This disclosure was made without my knowledge or written consent, which is in direct violation of 20 U.S. Code 1232g and related FERPA regulations. Due to this breach, my data and financial obligations were misused, and I am now burdened with debt that was established or serviced unlawfully. 

As such, I am requesting : 1. A full investigation into this FERPA violation.

2. Removal or discharge of all associated student loan debt obtained or serviced in violation of my FERPA rights.

3. Any supporting documentation or account information related to these unauthorized actions. 
4. Immediate cessation of all collections or reporting activity related to these loans until the matter is resolved.

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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally file a complaint against Capital One regarding a fraudulent credit card account that was opened using my personal information without my knowledge or authorization.

I spoke with a representative from Capital Ones Office of the President, where I explained that this account was fraudulently opened in my name. After conducting an internal investigation, the representative informed me that I would not be held responsible for the fraudulent account or any charges associated with it. He also stated that Capital One would send the necessary notifications to the credit bureaus to have the account removed from my credit reports, a process that he said could take up to 90 days.

It has now been well beyond that timeframe, and I have not received any further updates or confirmation from Capital One. More importantly, the fraudulent credit card account remains on my credit reports, causing harm to my credit standing and peace of mind. 

I am requesting the CFPBs assistance in the following : Ensuring that this fraudulent account is immediately and permanently removed from my credit reports with XXXX XXXX XXXX XXXX 

Verifying that Capital One has officially closed the fraudulent account and considers the matter resolved.

Investigating Capital Ones failure to follow through on their stated resolution and failure to communicate further.

I am seeking your support in getting this issue resolved as soon as possible, as it continues to negatively impact me. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: WA

Complaint narrative:
Equifax repeatedly ignores disputes, demands redundant ID proof, and fails to correct inaccuracies on my report ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). 

Violates numerous FCRA laws. Request immediate deletions You will see with the attachments that Equifax repeatedly sends the same postal mail to an address that's already verified. This is proof that this company ignores my dispute requests, and choses to have negative and erroneous accounts remain furnished on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
I am filing a complaint because my credit report contains multiple inaccurate addresses, unverifiable accounts, and unauthorized inquiries. I have never lived at the following addresses, yet they continue to appear on my report, creating confusion and possibly leading to mixed files. I have also disputed several charge-off and collection accounts that remain without any proper verification or documentation. Additionally, there are numerous hard inquiries on my credit report that I did not authorize or recognize.

These issues violate the Fair Credit Reporting Act ( FCRA ), including sections 602, 607 ( b ), 609, and 611, which guarantee the right to accurate reporting and proper investigation of disputes. I am requesting a full investigation and immediate correction or deletion of the inaccurate information. 
I am filing this complaint regarding several inaccurate and unverified items on my credit report that are negatively impacting my credit profile and were not corrected despite previous dispute attempts. 

Incorrect Addresses : My credit report is showing multiple addresses I have never lived at or used. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are incorrect and their inclusion raises serious concerns about the accuracy and integrity of my credit file. 

Inaccurate Accounts : The following accounts are reporting inaccurately : XXXX XXXX XXXXXXXX : This account is showing a charge-off of {$4600.00} opened on XX/XX/XXXX. I have no verifiable knowledge of this debt. 

XXXX XXXX XXXX  : This account shows late payments with a {$0.00} balance, which is inaccurate and misleading. 

XXXX XXXX XXXX : A collection account opened on XX/XX/XXXX for {$950.00} that is not mine or properly validated. 

Unauthorized Inquiries : My report lists several hard inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are harming my credit score and were made without my consent, which may violate FCRA 604. 

Requested Resolution : Immediate investigation into these items Deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries Written confirmation of the actions taken Under the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), and 611, I have the right to accurate and verifiable information on my credit report. These entries fail to meet that standard and must be corrected immediately. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I disputed this account to the credit Bereau. I demand that this account be removed from my credit report that there is no contract between this company and myself with my signature that says I am responsible for paying this debt. I did not open nor receive no loan funds from this company and never signed any contract with this company agreeing to be held responsible to paying any amount of the debt they claim they loaned me and I owe. I have never seen nor spoke to this company and have no knowledge of this company and have never signed nor accepted nor agreed to any loan nor responsibility to pay any debt they claim to be owed. So I demand that this account be removed from my credit report immediately if a physical contract can not be provided with my signature accepting/agreeing to be held responsible for any/all debt that they falsely stated that I borrowed from and I agreed to be responsible for paying this debt back to their company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-05-18 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: SC

Complaint narrative:
I am filing a complaint because my credit report contains multiple inaccurate addresses, unverifiable accounts, and unauthorized inquiries. I have never lived at the following addresses, yet they continue to appear on my report, creating confusion and possibly leading to mixed files. I have also disputed several charge-off and collection accounts that remain without any proper verification or documentation. Additionally, there are numerous hard inquiries on my credit report that I did not authorize or recognize.

These issues violate the Fair Credit Reporting Act ( FCRA ), including sections 602, 607 ( b ), 609, and 611, which guarantee the right to accurate reporting and proper investigation of disputes. I am requesting a full investigation and immediate correction or deletion of the inaccurate information. 
I am filing this complaint regarding several inaccurate and unverified items on my credit report that are negatively impacting my credit profile and were not corrected despite previous dispute attempts. 

Incorrect Addresses : My credit report is showing multiple addresses I have never lived at or used. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are incorrect and their inclusion raises serious concerns about the accuracy and integrity of my credit file. 

Inaccurate Accounts : The following accounts are reporting inaccurately : XXXX XXXX XXXXXXXX : This account is showing a charge-off of {$4600.00} opened on XX/XX/XXXX. I have no verifiable knowledge of this debt. 

XXXX XXXX XXXX  : This account shows late payments with a {$0.00} balance, which is inaccurate and misleading. 

XXXX XXXX XXXX : A collection account opened on XX/XX/XXXX for {$950.00} that is not mine or properly validated. 

Unauthorized Inquiries : My report lists several hard inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are harming my credit score and were made without my consent, which may violate FCRA 604. 

Requested Resolution : Immediate investigation into these items Deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries Written confirmation of the actions taken Under the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), and 611, I have the right to accurate and verifiable information on my credit report. These entries fail to meet that standard and must be corrected immediately. 

Thank you for your attention to this matter.

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 2025-05-18 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: SC

Complaint narrative:
I am filing a complaint because my credit report contains multiple inaccurate addresses, unverifiable accounts, and unauthorized inquiries. I have never lived at the following addresses, yet they continue to appear on my report, creating confusion and possibly leading to mixed files. I have also disputed several charge-off and collection accounts that remain without any proper verification or documentation. Additionally, there are numerous hard inquiries on my credit report that I did not authorize or recognize.

These issues violate the Fair Credit Reporting Act ( FCRA ), including sections 602, 607 ( b ), 609, and 611, which guarantee the right to accurate reporting and proper investigation of disputes. I am requesting a full investigation and immediate correction or deletion of the inaccurate information. 
I am filing this complaint regarding several inaccurate and unverified items on my credit report that are negatively impacting my credit profile and were not corrected despite previous dispute attempts. 

Incorrect Addresses : My credit report is showing multiple addresses I have never lived at or used. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are incorrect and their inclusion raises serious concerns about the accuracy and integrity of my credit file. 

Inaccurate Accounts : The following accounts are reporting inaccurately : XXXX XXXX XXXXXXXX : This account is showing a charge-off of {$4600.00} opened on XX/XX/XXXX. I have no verifiable knowledge of this debt. 

XXXX XXXX XXXX  : This account shows late payments with a {$0.00} balance, which is inaccurate and misleading. 

XXXX XXXX XXXX : A collection account opened on XX/XX/XXXX for {$950.00} that is not mine or properly validated. 

Unauthorized Inquiries : My report lists several hard inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are harming my credit score and were made without my consent, which may violate FCRA 604. 

Requested Resolution : Immediate investigation into these items Deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries Written confirmation of the actions taken Under the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), and 611, I have the right to accurate and verifiable information on my credit report. These entries fail to meet that standard and must be corrected immediately. 

Thank you for your attention to this matter.

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 2025-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I am writing to formally dispute the debt you submitted to Credit Bureau Services Assoc related to my former tenancy at XXXX XXXX XXXX , and to demand immediate corrective action. The charge in questiona full months rent for failure to return keys that were lostis excessive, punitive, and not supported by either the lease agreement or Texas landlord-tenant law. 
I vacated the property on XXXX/2024 after fulfilling my lease obligations. Although I lost the keys, I notified your office and at no point was I informed this would result in a charge beyond a standard key or lock replacement fee. Instead, without justification or prior notice, you submitted a charge for an entire months rent to a collections agency, damaging my credit and causing significant stress.

Under Texas Property Code 92.104, landlords are required to provide an itemized written accounting of any deductions from the tenants security deposit within 30 days of move-out. I received paperwork and then a revised version with handwritten corrections adding the full month 's rent after the inspection was completed and then also stating that I did turn in my notice to vacate in XXXX. Furthermore, Texas Property Code 92.006 prohibits lease clauses or landlord actions that impose unenforceable penalties, including excessive charges like a full months rent for lost keys unless the lease clearly states such terms and the cost reflects actual damageswhich in this case, it does not.

If this charge was applied in bad faith, as I believe it was, Texas Property Code 92.109 entitles me to seek {$100.00} plus three times the amount wrongfully withheld, along with attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: UPGRADE, INC.
State: TX

Complaint narrative:
Complaint Description : I am filing this complaint against Upgrade , Inc. regarding a personal loan I obtained in XX/XX/year>. At the time, I requested a loan for {$25000.00}. However, without clear explanation or disclosure, I only received {$20000.00} after deductions that were not properly itemized or explained. 

Since XX/XX/year>, I have paid over {$20000.00} towards this loan, yet my principal balance has not decreased and continues to increase. It was only within the past few days that I realized this loan structure is highly predatory in nature, as the vast majority of my payments have gone towards interest and fees, rather than reducing the loan balance.

I contacted Upgrade to inquire about refinancing or restructuring options, only to be told that they do not offer this service, leaving me trapped in an unfair loan cycle with no viable resolution.

I was not made fully aware of the excessive interest charges, the immediate deductions from the loan proceeds, or the long-term financial impact of this loan at the time of origination. I believe Upgrade has engaged in predatory lending practices by : Withholding a substantial portion of the requested loan without clear explanation.

Applying disproportionately high payments to interest and fees with little or no principal reduction Offering no reasonable options for refinancing or debt relief.

Failing to provide transparent and fair loan terms at origination.

Thank you for your prompt attention to this matter.

Category : Personal loan Company : Upgrade , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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 regarding multiple inaccurate collection accounts being reported on my Experian credit report. I submitted formal disputes for the following accounts : XXXX Automated COL ( Account : XXXX ) XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX XXXX ( Account : XXXX ) Experian responded stating these accounts were verified as accurate, but no sufficient documentation was provided by the furnishers or Experian to support the verification. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request proper validation of debts being reported. Simply stating that the data is verified is not adequate.

These accounts are negatively impacting my credit score, and I am requesting that these accounts be fully validated or removed from my credit 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 explanation