vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This letter serves as formal notice that I have filed a small claims case in XXXX XXXX General District Court against Bank of America for the unauthorized hard inquiry made on my personal credit report. 

Bank of America conducted a hard credit pull using my personal information, which resulted in a negative impact on my credit score. This was done without my knowledge, consent, or the required legal authorization under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. I did not provide my Social Security number during the application process, and the business credit card application did not request or disclose that my personal credit would be accessed, nor did it include any personal guarantor agreement. 

On XX/XX/year>, I spoke with XXXX from Bank of America, who informed me that, despite never giving my consent, the bank had determined that by submitting a business application that constituted as automatic consent for a hard pull on my personal credit as a guarantor, even though that was never directly stated on the application and I never gave them my SSN. In fact, on the application, when I provided my name the application listed me as an " officer '' not a guarantor. I made clear to XXXX, her findings were inaccurate and unsupported. There is no language in the application explicitly stating that a hard inquiry would be conducted on the officers personal credit. 

The FCRA requires that explicit authorization be obtained prior to performing a hard inquiry that impacts a consumers credit score. Failure to do so constitutes a violation, entitling the affected consumer to statutory damages of up to {$1000.00} per violation, along with any actual, punitive, and emotional distress damages as determined by the court. 

This unauthorized inquiry has lowered my credit score and is now affecting my ability to secure favorable loan terms as I actively search for a home. I made a good faith effort to resolve this issue directly with your company and was left with no choice but to pursue legal remedies. 

A copy of the court filing and supporting documents will be served according to court procedures. I recommend that Bank of America review this matter promptly and prepare a response. All I ask is for the hard inquiry to be removed from my credit score. But now that this is in court, I am demanding {$1000.00} in damages which is the amount owed according to federal law. 

Sincerely,

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 2025-04-03 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a complaint against XXXX, Experian and XXXX failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, All three credit bureaus consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, Experian and XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit.

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 2025-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
I have emailed and called the following below to inform them to stop calling and harassing members of my family and me. 

XXXX XXXX for XXXX XXXX : - XXXX | XXXX : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: OH

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them.

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 2025-04-03 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: NC

Complaint narrative:
There are multiple accounts listed with an address that is inaccurate as well as a name. These documents do not and have never belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NC

Complaint narrative:
There are multiple accounts listed with an address that is inaccurate as well as a name. These documents do not and have never belonged 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 2025-04-03 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.C. SYSTEM, INC Original creditor : XXXXXXXX XXXX No knowledge of 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 2025-04-03 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Hello! I have been in the process of refinancing my current mortgage with another company. On XXXX, XXXX, a representative from my current loan provider, NewRez, reached out and offered to present me with a " better deal ''. He asked if he could do a soft inquiry at the time, and I agreed, with the understanding that it would NOT be a hard pull, as I was late in the stages of underwriting on the refinance and did not want to negatively impact the process. 

XXXX he reached out and let me know that he was working on a loan estimate for me, and that I would hear from his team XXXX. After the call, I received a flurry of emails, including a XXXX for a consent to receive electronic communications, as well as a " thank you '' email for finalizing my loan application with them. 

I NEVER consented to a hard credit pull from NewRez, nor did I complete a loan application with them. I reached out to them immediately this morning and the mortgage rep, XXXX XXXX ( XXXX # XXXX NewRez, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) will not respond to my calls or texts. I called into the main line and the customer service representative would not answer any questions and said that " all the loan reps were busy '' but someone would " get back to me next week ''. 

Thank you for your consumer advocacy,!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Im not able to login to my account on TransUnion website. The message from the TransUnion said : We Are Unable To Complete Your Request. TransUnion customer service refused to provide me with an access to my online account. They said TransUnion Corporate office blocked me. I called customer service several times but they are not able to fix the problem. The agent told me that TransUnion deactivated my account because Im from XXXX. This is harassment and discrimination. Shame on your company, TransUnion!

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 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
upon checking my credit report, I learned that there are several hard inquiries on my credit file from XX/XX/year>, which I did not authorize.

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 2025-04-03 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: PA

Complaint narrative:
Hello, While reviewing my credit report, I came across an account XXXX XXXX XXXX, account # XXXX reached out to the alleged creditor and credit bureaus and asked that this fraudulent account be investigated and removed. I sent certified letters on XX/XX/year> and I have not received any reply. I request that this account be removed immediately as my report should be XXXX percent accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Ive been working with XXXX XXXX - my credit report shows I have not made any payments for these XXXX accounts. 
XXXX  XXXX XXXX ( XXXX ) {$4600.00} XXXX XXXX XXXX Synchrony Bank SYNCB/CARE ( XXXX ) {$970.00} Payments in progress Synchrony Bank SYNCBXXXX XXXX XXXX ) {$1100.00} Completed Chase XXXX XXXX ( XXXX ) {$1100.00} Completed I do have screen shots of all the payments I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: AZ

Complaint narrative:
I sent a certified dispute letter to Experian on XX/XX/year>, demanding lawful verification of multiple accounts under FCRA 1681i and 1681s-2 ( b ), UCC 3-501 , and FDCPA 1692g ( b ). I requested : a signed contract, accounting, chain of title, and proof of lawful right to report. 

Experian failed to provide any documentation. They responded that the accounts were verified and remain unchanged, with no evidence. This is a violation of federal law. They continue reporting unverifiable, potentially fraudulent information that is damaging my credit and financial standing. 

Unverified accounts include : 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 2025-04-03 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: OH

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them.

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 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torriere Holdings INC
State: KY

Complaint narrative:
Debt sold to debt collector who then sold debt to XXXX XXXX XXXX. No written communication received regarding this debt. Attempted to set up payment plan with XXXX but the company refused the biweekly amount I was able to pay. XXXX recovery then called my husband in attempt to reach me regarding the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation