vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
REPORTING INFORMATION ON A CONSUMER 'S CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I DID NOT GIVE ANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER REPORT BECAUSE MY PRIVACY RIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE ACCOUNTS FROM MY CONSUMER REPORT NO LATER THAN 4 BUSINESS DAYS AFTER SUCH INFORMATION I'VE PROVIDED # XXXX : XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: PA

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my file. 
Your continued reporting of these items constitutes a violation of the Fair Credit Reporting Act ( FCRA ), particularly : Section 616 Civil Liability for Willful Noncompliance Section 617 Civil Liability for Negligent Noncompliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my file. 
Your continued reporting of these items constitutes a violation of the Fair Credit Reporting Act ( FCRA ), particularly : Section 616 Civil Liability for Willful Noncompliance Section 617 Civil Liability for Negligent Noncompliance

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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Account ; account # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide. certified mail. with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
On XX/XX/year>, I found a derogatory mark on my XXXX  report from Sunrise Credit Services regarding a XXXX account. Ive never received any notice, phone call, or letter from XXXX or Sunrise. I have no knowledge of any debt owed. My XXXX account for both home and business has always been on autopay and paid in full. Neither XXXX nor Sunrise have ever contacted me or validated any debt before reporting this. Im requesting this collection be removed immediately or I will have to turn this over to an FDCPA lawyer.

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 2025-06-12 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: WA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that are having a significant negative impact on my financial well-being and my ability to provide for my family. As a single [ mother/father ], every financial decision I make directly affects my child ( ren ) s security and future. The information below on my report I have identified as identity theft, and this item is not related to any transactions by me at all. I was not able to move because of my credit profile being inaccurate due to these unknown accounts being opened in my name. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : This unauthorized item has had a profound negative effect on my credit profile, and I am reaching out to you to request your assistance in rectifying this situation. The unauthorized item ( s ) on my credit reports are : 1.

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I NOTICED THAT THERE WAS AN UNAUTHORIZED INQUIRY ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: WI

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} CB/KAY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Dear Sir or Madam, Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is to formally notify you that I am disputing the validity of an alleged debt reported by your agency on my credit report. I was never notified of this collection, and I have no record of owing any such debt. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request a full validation of this debt. Specifically, please provide the following : 1. A detailed explanation of the origin of the debt, including the original account number and name of the creditor.

2. Documentation showing that I am legally obligated to pay this debt.

3. A copy of the original agreement or contract bearing my signature.

4. A full itemization of the balance claimed, including all interest, fees, and payments.

5. Evidence that your agency is authorized to collect on this debt, including assignment or purchase agreement. 
6. A copy of your agencys license to collect debts in my state ( Pennsylvania ), including license number. 
If you are unable to provide full verification within 30 days, you must cease all collection efforts and request the immediate removal of this account from all credit reporting agencies to which it was reported. 
Additionally, I request that all future communications regarding this matter be made only in writing via XXXX mail to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Several companies have made unauthorized inquiries into my credit report, damaging both my credit and score. Despite prior assurances from your representative that these would be removed, they remain. This inaction is unacceptable. Their continued presence raises serious concerns of identity theft and is causing ongoing XXXX  and financial harm. I demand an immediate investigation and the removal of all unauthorized inquiries without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
Upon looking at my credit I noticed some unauthorized inquiries. I am currently trying to get my first home and ran my credit report and credit unions and finance companieXXXX 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 XXXXXXXX. I did not authorize those inquiries.

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 2025-06-12 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: FL

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 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 2025-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Thunder Auto Finance LLC
State: OK

Complaint narrative:
I leased a car from XXXX XXXX. I really needed a reliable car and after XXXX XXXX of having it the transmission blew. It happened XXXX XXXX before my XXXX XXXX was due. I needed a car to get to work but it took the dealership XXXX XXXX  until they picked the car up and after that I was just done with dealing with them. I asked for my down payment back because I didnt trust to get another vehicle from them. They refused and now XXXX in debt for that and I dont think its right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
I am submitting a formal complaint regarding inaccurate and unverifiable credit reporting by XXXX, listed under account number XXXXXXXX XXXX XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
This account was previously disputed with the major credit bureaus, and XXXX  has deleted the account from my credit report due to the inability to verify the information provided by the data furnisher. Despite this, TransUnion and Equifax continue to report this account as a charge-off, with a past-due balance of {$490.00}, which I believe is both inaccurate and misleading. 
There are multiple discrepancies and concerns : The reported high credit differs across bureaus ( {$2500.00} with TransUnion vs. {$1600.00} with Equifax ). 
Equifax shows an OK two-year payment history through XX/XX/XXXX, which directly contradicts the charge-off status and the stated last payment date of XX/XX/XXXX. 
The comments vary between bureaus, and none provide specific verification or clear context regarding the alleged charge-off. 
The payment status, monthly payment amount, and credit limit are all either blank or listed as {$0.00}, suggesting the data is incomplete or improperly furnished. 
Under FCRA 1681s-2 ( b ), a data furnisher must not report information that is inaccurate or unverifiable, and under 1681i, consumer reporting agencies are required to delete information if it can not be verified after a dispute. Since XXXX has already removed this account, it is clear that the information provided by XXXX  could not be substantiated.

I am requesting that the CFPB investigate this matter and direct both TransUnion and Equifax to delete the unverifiable account from my credit file in accordance with federal law. 
I have included a screenshot of the conflicting report information as evidence. 
Thank you for your time and attention to this matter. I look forward to your resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 {$0.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXXXXXX Balance : {$1700.00} XXXX. XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} 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 2025-06-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Round XXXX Dispute Open XXXX  XXXX Bank Charged-Off Account Account Number : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This is my second formal dispute regarding the charged-off account reported by XXXX XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX  My first dispute was marked as verified without any supporting documentation being provided. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a complete reinvestigation. No signed agreement, detailed payment history, or breakdown of the balance has been presented to confirm the accuracy of this account. If the creditor can not fully verify this information with proper documentation, the account must be removed from my credit report. 

Please provide : All documents used in your verification process The name and contact information of the entity that verified the account A detailed explanation of how the account was verified Enclosed are copies of my ID and a recent utility bill for address verification. I expect a response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>2021, Balance : {$00.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>2021, Balance : {$12000.00} XXXX XXXX XXXX  XXXX - Account XXXX XXXX XXXX * * * * XXXX, Date Opened : XX/XX/scrub>/2021, Balance : {$5200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2021, Balance : {$1900.00}

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