vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-25 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 2025-04-25 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. Collections West, Inc.
State: CA

Complaint narrative:
In XXXX, I fell behind on rent and was informed that I was being evicted. I moved out in XXXX. Shortly after, I received a call from the landlords lawyers stating that I owed money and fees, but I was unable to pay at the time. 

In early XXXX, I received a collections call regarding the same debt. They later added it to my credit report. However, the last time I paid rent was in XXXX, which makes this account over XXXX XXXX XXXX. I mailed a dispute and validation letter via certified mail on XX/XX/XXXX, requesting proof of the debt and the original delinquency date. I also asked for the removal if they couldnt verify it accurately. 

The response I received included a transaction labeled Transfer to A/R Old Tenants dated XX/XX/XXXX, which seems to be the basis for re-reporting the debt in XXXX. This is not the original delinquency date and appears to be an attempt to re-age the account. 

Under the Fair Credit Reporting Act, this information is too old to report and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MO

Complaint narrative:
I am writing to dispute the following information : XXXX XXXX XXXX This information is inaccurate due to not recognizing the account number associated with this company. I have reached out to Experian and Equifax numerous times and asked for validity on this account and for this reason to please delete it from my credit profiles. This account does not show up on my TransUnion credit report. In the interim, I received the following update from Experian stating the following below : Lastly, I have attached the credit reporting below as well. 

" The account with XXXX XXXX XXXX that starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XXXXXXXX XXXX XXXX  Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Independence, MO XXXX. " This does not constitute the validity of this account number they have associated with my name that they are reporting to the major Credit Bureaus. As a result, I would like for the account to please be deleted from my credit profiles. 


Thank you for your time on this. 

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 2025-04-25 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:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-25 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
im filing this complaint because of a fraudulent hard credit inquiry that was placed on my credit report by XXXX XXXX XXXX in XXXX, california, and the ongoing lack of accountability and resolution from both the dealership and XXXX 

on XXXX, i purchased a vehicle through the XXXX XXXX XXXX and informed the dealership that i was financing through XXXX XXXX XXXX XXXX. the dealership became visibly frustrated and began pressuring me to finance through them instead. they repeatedly refused to show me the XXXX program pricing after taxes and became evasive when i asked for clarity. 

at one point, they had me sign what they claimed was a form related to verifying my checknot a credit application. afterward, they told me they needed to do a soft credit pull for identity verification because the XXXX XXXX check wasnt a cashiers check. i later learned this was completely false. they had performed a hard inquiry on my credit without proper disclosure or consent. 

i immediately contacted XXXX XXXX, who confirmed that there was no need for a credit check and that my loan draft was valid. they advised me to dispute the inquiry with XXXX which i did by mail on 0XXXX. on XXXX, i spoke to an XXXX fraud supervisor, who told me only the dealership could contact to remove the inquiry.

i then called the dealership again on XXXX and spoke with a manager ( lied about his name to avoid accountability ). he contradicted experian and claimed the credit bureaus were the ones responsible for removing the inquiry. he also downplayed the situation, asking me how much my score dropped and stating that a hard inquiry isnt that serious. 

XXXX has refused to provide anything in writing or email and wouldnt answer several of my questions. i am now caught in a loop between the dealership and the credit bureau, neither of whom is willing to take responsibility for the unauthorized inquiry. this situation has caused me emotional distress and wasted significant time. 

im requesting that the hard inquiry dated XXXX  be removed from my credit report immediately, and that both XXXX and XXXX XXXX XXXXXXXX be held accountable for the misinformation, misrepresentation, and lack of action. i have done everything i can on my end to resolve this, and now i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing the reporting of any late payments on my XXXX XXXX account XXXX in XXXX. According to the credit report dated XX/XX/XXXX, this account is listed as Current, with a history of on-time payments. The payment history from XXXX to XXXX shows no late or missed paymentseach month is marked with a green checkmark indicating timely payment. Additionally, a recent investigation into this account, initiated on XX/XX/XXXX and completed on XX/XX/XXXX, confirmed there is no past due amount and verified the accuracy of the account. If there is any reporting of a late payment on this account, it is incorrect and should be removed immediately. I am requesting that the information be corrected and that all credit bureaus be notified of the accurate, verified payment history.

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 2025-04-25 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. 

Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/year>XXXX  Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2025-04-25 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: MI

Complaint narrative:
I am victim of identity theft and the equifax data breach. The accounts does not belong to me and I have no knowledge of this account.15 usc 1681b.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I am writing to formally dispute several accounts that appear on my credit report, which I do not recognize. After carefully reviewing my credit report, I discovered these unfamiliar accounts and suspect they may be the result of my personal information being exposed in a recent data breach.

I have requested validation of these debts from the credit reporting agencies, but to date, I have not received the necessary information. In response to this issue, I have filed a complaint with the Federal Trade Commission ( FTC ) and reported the incident as identity theft.

Attached are the following documents to support my dispute : A copy of my government-issued ID The FTC Identity Theft Report proof confirming my information was involved in a national data breach A debt validation letter I previously submitted Please investigate this matter promptly and remove any fraudulent or unverifiable accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I am writing to formally dispute several accounts that appear on my credit report, which I do not recognize. After carefully reviewing my credit report, I discovered these unfamiliar accounts and suspect they may be the result of my personal information being exposed in a recent data breach.

I have requested validation of these debts from the credit reporting agencies, but to date, I have not received the necessary information. In response to this issue, I have filed a complaint with the Federal Trade Commission ( FTC ) and reported the incident as identity theft.

Attached are the following documents to support my dispute : A copy of my government-issued ID The FTC Identity Theft Report proof confirming my information was involved in a national data breach A debt validation letter I previously submitted Please investigate this matter promptly and remove any fraudulent or unverifiable accounts from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am submitting this complaint regarding Discover Banks handling of my secured credit card application and the negative consequences it caused. 

In XX/XX/year>, I applied for a secured credit card with Discover. I was approved and received the card, but soon after, Discover requested my proof of residence and three months of bank statements. At that time, I had recently arrived in the United States and had only two months of banking history. Unfortunately, I could not provide the third month.

This requirement was never disclosed before or during the application process. If I had known about the three-month statement requirement, I would have waited to apply. Instead, Discover closed my secured card account without offering me time to complete the documentation or explaining the consequences.

Recently, I applied again for a Discover credit card, believing that my now-established banking history and credit score would support approval. However, my application was rejecteddue to the previous account closureand this rejection caused a drop in my credit score.

I believe this is an unfair practice and a lack of transparency, especially for new immigrants trying to build credit responsibly in the U.S. The account closure was not due to any fault on my part, but due to incomplete communication from Discover.

Company response to consumer: Closed with explanation