vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am filing this complaint regarding multiple unauthorized and fraudulent credit inquiries that appeared on my credit reports without my knowledge or consent. I have never applied for credit with the following entities and consider these inquiries to be the result of identity theft : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) These inquiries have negatively impacted my credit score and financial standing. 



Violations and Legal Grounds : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ), ( f ), and 1681c-2 Section 1681b ( f ) : A person shall not obtain a consumer report unless it is for a permissible purpose. These inquiries do not reflect any credit application authorized by me and thus violate this provision.

Section 1681c-2 ( Block of Information Resulting from Identity Theft ) : I formally requested these inquiries be blocked and provided an FTC Identity Theft Report. The credit bureaus are required to block such items within 4 business days of receiving proof.

Section 1681b ( c ) : Prescreening inquiries without proper consent or preauthorization are prohibited.

Requested Relief ( Fair Resolution ) : 1. Immediate and permanent removal of the fraudulent credit inquiries listed above from all consumer credit reports ( XXXX TransUnion, Equifax ).

2. Blocking of the inquiries under FCRA 1681c-2. 
3. Written confirmation from each credit reporting agency that the inquiries have been removed and will not be reinserted unless the furnishers certify the legitimacy of the inquiry and I am properly notified ( per 1681i ( a ) ( 5 ) ( B ) ).

4. Full investigation into each inquiry to determine who initiated it, and how they obtained or misused my personal information. 5. Preventative actions including
placing a fraud alert or security freeze on my credit file at no cost.

6. Assurance of non-recurrence, including internal controls to avoid future identity theft reinsertion or mishandling. 



Please confirm when this complaint has been forwarded to the relevant entities and notify me of any actions taken. 
Thank you for your assistance in restoring my consumer rights.

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 2025-07-14 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: MD

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is a follow-up complaint concerning two unauthorized American Express accounts one personal and one business that were fraudulently opened using my identity. I previously submitted an identity theft complaint with the FTC ( Identity Theft Report included ), and disputed these accounts with both American Express and the credit bureaus. 

Despite having provided all required documentation under the Fair Credit Reporting Act ( FCRA 605B ), both accounts remain on my credit report. 

XXXX has declined my prior request to block these accounts, citing reasons such as account opened prior to the fraud, previous disputes, or receipt of goods or services none of which are factually accurate or substantiated. I have never applied for, used, or benefited from either of these accounts in any form. No supporting documentation was provided by XXXX to justify the continued reporting. 

Additionally, American Express has failed to provide any explanation, documentation, or evidence that would establish that I authorized or opened these accounts. Both institutions continue to report these accounts without legal justification, despite having received valid notice of identity theft and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
I am contacting you to dispute a late payment that has been reported inaccurately on my credit file. According to my own documentation, the payment was submitted on time and should not have been listed as delinquent.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received in the mail today a letter from XXXX XXXX XXXX claiming that I owe a debt from an original creditor Bank of America NA with an account ending and the number is XXXX for a total balance of {$3900.00}. ( File number XXXX ) This company is claiming in the letter that they are going to pursue garnishment remedies to address the balance due on a unsatisfied judgment owed to their client, Bank of America. 

I have never had a banking account with Bank of America, Ive never had a credit card with Bank of America and never got a loan from Bank of America before so I believe this is done an error or this is fraud. 

I have never been contacted by a representative of Bank of America nor been contacted by any debt collection agent agency up until today, XX/XX/year>. 

I am disputing this attempt to pursue garnishment remedies and collect debt for an account that is not mine.

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 2025-07-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-14 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
RE : Disputed Account Spring Oaks Capital LLC Dear Spring Oaks Capital LLC I am writing to formally dispute the accuracy and validity of the above-referenced account currently listed on my credit report.

I request that this item be investigated under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This account is being reported as : Creditor : Spring Oaks Capital LLC Balance : {$700.00} Status : Open/Collection Date Opened : XX/XX/XXXX Remarks : Account information disputed by consumer I am requesting the following : Validation of the debt, including : A copy of the original contract or agreement with my signature.

A complete payment history and documentation of how the balance was calculated.

Proof that Spring Oaks Capital LLC has the legal right to collect this debt. 

Immediate removal of the account from my credit report if you are unable to validate it fully and accurately.

According to the FCRA, any item that can not be verified must be deleted from my credit file within 30 days. If you continue to report inaccurate or unverifiable information, I will consider taking further action, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or state Attorney Generals office. 

Please conduct a thorough investigation and send me a written response with your findings. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Care credit card- they wont accept my payment until 11 days later, then charging me a late fee because THEY didnt take the money from my account. when i questions them about it and they gave me their XXXX  answer I said it was XXXX and they hung up on me for using profanity.

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 2025-07-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I made several requests to remove a closed account without any response, reply or action to resolve

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 2025-07-14 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:
I have been trying to get the unauthorized inquiries off of my credit for the last year, and they still continue to be there. I need them removed immediately because I did not do them or authorize them. These our the following companies I received UNAUTHORIZED INQUIRIES ( amount ) from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-14 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: NC

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 2025-07-14 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: MI

Complaint narrative:
I have previously disputed Experian, XXXX  and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-14 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 have previously disputed Experian, XXXX  and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-14 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX XXXX XXXXXX/XX/year> ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-07-14 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: SC

Complaint narrative:
I am disputing Account # XXXX being reported by XXXX XXXX XXXX. This account is inaccurate, unverifiable, and legally unvalidated. I requested proper validation under the FDCPA and FCRA, but none was provided. XXXX XXXX continues to report this to Experian, showing {$8000.00} past due with no supporting documentation.They have violated multiple provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g and 1692e ). I am demanding permanent deletion of this account from all credit reports and an immediate cessation of collection activities.I have attached a full dispute letter and screenshot from my Experian report showing this entry and my dispute status.

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 2025-07-14 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: SC

Complaint narrative:
I am disputing Account # XXXX being reported by XXXX XXXX XXXX. This account is inaccurate, unverifiable, and legally unvalidated. I requested proper validation under the FDCPA and FCRA, but none was provided. XXXX XXXX continues to report this to Experian, showing {$8000.00} past due with no supporting documentation.They have violated multiple provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g and 1692e ). I am demanding permanent deletion of this account from all credit reports and an immediate cessation of collection activities.I have attached a full dispute letter and screenshot from my Experian report showing this entry and my dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I formally dispute the inaccurate and unauthorized information that has been reported to the credit bureaus and now appears on my credit report. XXXX XXXX has falsely reported late payments on my accountentries that are incorrect and never occurred. This account has consistently been maintained in good standing. Historical inconsistency : The payment history for XXXX and XXXX shows perfect compliance ( ). It is implausible that, following an entire year of timely payments in XXXX, there would be a sudden and massive accumulation of 60- and 90-day delinquencies in XXXX and XXXX. Furthermore, the entities responsible for reporting this information were not authorized to access, share, or disclose my personal credit data under applicable federal law. Their actions constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code, Section 1681 et seq., which governs how consumer reporting agencies and data furnishers may collect, use, and disclose consumer information.

Company response to consumer: Closed with explanation