vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
I am submitting this complaint to dispute a hard inquiry that is currently showing on my Equifax credit report. The inquiry in question is from XXXX, dated XX/XX/year>. I did not authorize, initiate, or consent to this credit inquiry in any form. I have not applied for credit with XXXX on or around this date, and I have no established relationship with them that would legally justify a XXXX inquiry on my credit file. 

According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, a consumer reporting agency is prohibited from furnishing a consumer report unless it is in connection with a transaction initiated by the consumer or for another permissible purpose clearly defined by law. If no such purpose or authorization exists, then this inquiry constitutes an impermissible access to my credit report. Furthermore, the presence of this inquiry is XXXX  to my credit profile and misrepresents my actual credit-seeking behavior. 

To date, Equifax has not provided any documentation proving that this inquiry was placed with my consent or that it is tied to a legitimate credit application or transaction. If Equifax is unable to furnish evidence such as a signed application, digitally authenticated request, or other verifiable proof, then this inquiry is unsubstantiated and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX 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 XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am writing to formally dispute a late payment reported on my XXXX  student loan account, currently serviced by XXXX. According to my credit report, the account is listed as delinquent. However, I believe this reporting is inaccurate and does not reflect the full context of the situation : XXXX. My loan was under federally mandated forbearance through the XXXX XXXX, during which no payments were required or expected. 
XXXX. I did not receive any mailed billing statements or notifications that my loan had exited forbearance or that payments had resumed. I later discovered that my email notification preference had been turned off, and the only mail I received was a notice stating that I had been reported to the credit bureau. This XXXX have been due to a change of address or a postal delivery error, but at no point was I made aware of the payment due date before the delinquency was reported. 
XXXX. I only became aware of the delinquency after it was reflected on my credit report. Upon learning this, I immediately brought the account current with a payment on XX/XX/year>. 

As I'm sure your team is aware, the transition following the end of the XXXX  forbearance period created widespread confusion. Like many borrowers, I did not receive timely or clear communication about the repayment schedule restarting. I acted promptly once I became aware of the delinquency, and I have never missed a payment on any other account. This is the only XXXX  mark in an otherwise strong credit history. 

This single late mark which I believe occurred due to miscommunication rather than negligence, has significantly XXXX  what was previously a strong credit profile. Most recently, I was denied an apartment lease due to the sudden XXXX  in my score, which has created unnecessary XXXX  around securing housing. I respectfully request that you consider this a onetime oversight during a period of national repayment transition and submit a goodwill adjustment to remove the late payment from my credit report. 

I understand XXXX must follow credit reporting standards, but I hope my consistent track record, proactive communication, and swift resolution will be taken into 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 non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am writing to formally dispute a late payment reported on my federal student loan account, currently serviced by XXXX. According to my credit report, the account is listed as delinquent. However, I believe this reporting is inaccurate and does not reflect the full context of the situation : 1. My loan was under federally mandated forbearance through the CARES Act, during which no payments were required or expected.

2. I did not receive any mailed billing statements or notifications that my loan had exited forbearance or that payments had resumed. I later discovered that my email notification preference had been turned off, and the only mail I received was a notice stating that I had been reported to the credit bureau. This may have been due to a change of address or a postal delivery error, but at no point was I made aware of the payment due date before the delinquency was reported.

3. I only became aware of the delinquency after it was reflected on my credit report. Upon learning this, I immediately brought the account current with a payment on XX/XX/year>. 

As I'm sure your team is aware, the transition following the end of the federal forbearance period created widespread confusion. Like many borrowers, I did not receive timely or clear communication about the repayment schedule restarting. I acted promptly once I became aware of the delinquency, and I have never missed a payment on any other account. This is the only negative mark in an otherwise strong credit history. 

This single late mark which I believe occurred due to miscommunication rather than negligence, has significantly damaged what was previously a strong credit profile. Most recently, I was denied an apartment lease due to the sudden drop in my score, which has created unnecessary stress around securing housing. I respectfully request that you consider this a onetime oversight during a period of national repayment transition and submit a goodwill adjustment to remove the late payment from my credit report. 

I understand XXXX must follow credit reporting standards, but I hope my consistent track record, proactive communication, and swift resolution will be taken into 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 2025-07-01 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: CA

Complaint narrative:
I am writing to formally dispute a late payment reported on my federal student loan account, currently serviced by XXXX. According to my credit report, the account is listed as delinquent. However, I believe this reporting is inaccurate and does not reflect the full context of the situation : 1. My loan was under federally mandated forbearance through the CARES Act, during which no payments were required or expected.

2. I did not receive any mailed billing statements or notifications that my loan had exited forbearance or that payments had resumed. I later discovered that my email notification preference had been turned off, and the only mail I received was a notice stating that I had been reported to the credit bureau. This may have been due to a change of address or a postal delivery error, but at no point was I made aware of the payment due date before the delinquency was reported.

3. I only became aware of the delinquency after it was reflected on my credit report. Upon learning this, I immediately brought the account current with a payment on XX/XX/year>. 

As I'm sure your team is aware, the transition following the end of the federal forbearance period created widespread confusion. Like many borrowers, I did not receive timely or clear communication about the repayment schedule restarting. I acted promptly once I became aware of the delinquency, and I have never missed a payment on any other account. This is the only negative mark in an otherwise strong credit history. 

This single late mark which I believe occurred due to miscommunication rather than negligence, has significantly damaged what was previously a strong credit profile. Most recently, I was denied an apartment lease due to the sudden drop in my score, which has created unnecessary stress around securing housing. I respectfully request that you consider this a onetime oversight during a period of national repayment transition and submit a goodwill adjustment to remove the late payment from my credit report. 

I understand XXXX must follow credit reporting standards, but I hope my consistent track record, proactive communication, and swift resolution will be taken into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management is reporting different statuses across the three credit bureaus for the same account. XXXX  and XXXX  show this as a collection/charge-off, while XXXX  reports it as a late payment. This inconsistency raises concerns about the accuracy and completeness of the information. Please investigate and ensure accurate, consistent reporting or remove the account if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cashapp failed to take timely and effective measures and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was completely unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Accounts XXXXXXXX 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have all violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Accounts XXXXXXXX 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have all violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
In the month of XX/XX/2025, I had a numerous of hard inquiries on my credit that appeared out of nowhere. Ranging from a XXXX dealerships and loaning companies down in XXXX  when being station in XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all hard inquiries that occurred on my credit report that I did not authorize. The individual try to purchase a vehicle and take a loan in my name. I do not have a XXXX or a XXXX type of car. I drive a XXXX. I dont know how individuals in XXXX XXXX in my information, but I simply have been trying to get this removed since the beginning of the year and nothing has really happened.

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 2025-07-01 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: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
In the month of XX/XX/year>, I had a numerous of hard inquiries on my credit that appeared out of nowhere. Ranging from a XXXX dealerships and loaning companies down in Texas when being station in Wisconsin. 

XXXX XXXX Hyundai capital America XXXX XXXX Kia motors XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all hard inquiries that occurred on my credit report that I did not authorize. The individual try to purchase a vehicle and take a loan in my name. I do not have a Hyundai or a Kia type of car. I drive a XXXX. I dont know how individuals in XXXX XXXX in my information, but I simply have been trying to get this removed since the beginning of the year and nothing has really happened.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief