vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Unauthorized Hard Credit Inquiries in Violation of the FCRA Dear CFPB, I am writing to formally dispute XXXX unauthorized hard inquiries that have appeared on my credit report. I did not apply for credit nor authorize any inquiry from the following companies : XXXX  XXXX ( Finance ) XX/XX/year> XXXX ( XXXX  ) XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), a credit reporting agency may only furnish a consumer report to a person or organization with a permissible purpose, as defined under 15 U.S. Code 1681b. Specifically, a hard inquiry related to a credit transaction must be initiated by the consumer or with the consumers permission. I never gave such authorization to either entity. 

These inquiries were not made with my consent and therefore violate my rights under 15 U.S.C. 1681b ( c ) and potentially 15 U.S.C. 1681q, which makes it unlawful for anyone to obtain a consumer report under false pretenses. 

I am requesting an immediate investigation and removal of these inquiries from all versions of my credit report. I also ask that appropriate action be taken against any entity found to have made an unauthorized inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), a credit reporting agency may only furnish a consumer report to a person or organization with a permissible purpose, as defined under 15 U.S. Code 1681b. Specifically, a hard inquiry related to a credit transaction must be initiated by the consumer or with the consumers permission. I never gave such authorization to either entity. 

These inquiries were not made with my consent and therefore violate my rights under 15 U.S.C. 1681b ( c ) and potentially 15 U.S.C. 1681q, which makes it unlawful for anyone to obtain a consumer report under false pretenses. 

I am requesting an immediate investigation and removal of these inquiries from all versions of my credit report. I also ask that appropriate action be taken against any entity found to have made an unauthorized inquiry. 


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 2025-07-16 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: NY

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Unauthorized Hard Credit Inquiries in Violation of the FCRA Dear CFPB, I am writing to formally dispute XXXX unauthorized hard inquiries that have appeared on my credit report. I did not apply for credit nor authorize any inquiry from the following companies : XXXX  XXXX ( Finance ) XX/XX/year> XXXX ( XXXX  ) XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), a credit reporting agency may only furnish a consumer report to a person or organization with a permissible purpose, as defined under 15 U.S. Code 1681b. Specifically, a hard inquiry related to a credit transaction must be initiated by the consumer or with the consumers permission. I never gave such authorization to either entity.

These inquiries were not made with my consent and therefore violate my rights under 15 U.S.C. 1681b ( c ) and potentially 15 U.S.C. 1681q, which makes it unlawful for anyone to obtain a consumer report under false pretenses. 

I am requesting an immediate investigation and removal of these inquiries from all versions of my credit report. I also ask that appropriate action be taken against any entity found to have made an unauthorized inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), a credit reporting agency may only furnish a consumer report to a person or organization with a permissible purpose, as defined under 15 U.S. Code 1681b. Specifically, a hard inquiry related to a credit transaction must be initiated by the consumer or with the consumers permission. I never gave such authorization to either entity. 

These inquiries were not made with my consent and therefore violate my rights under 15 U.S.C. 1681b ( c ) and potentially 15 U.S.C. 1681q, which makes it unlawful for anyone to obtain a consumer report under false pretenses.

I am requesting an immediate investigation and removal of these inquiries from all versions of my credit report. I also ask that appropriate action be taken against any entity found to have made an unauthorized inquiry. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
TO LEGAL DEPARTMENTS OF EXPERIAN AND EQUIFAX : This is a formal demand pursuant to FCRA 15 U.S.C. 1681i and 1681n to immediately delete all references to the disputed XXXX XXXX XXXX  XXXX XXXX foreclosure and late payments. Your continued reporting of these items despite active litigation proving their inaccuracy constitutes willful FCRA violations. 

NEW LEGAL DEVELOPMENTS A counterclaim is now pending in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Case # XXXX, Division XXXX, Judge XXXX XXXX XXXX XXXX wherein : I am suing XXXX XXXX XXXX XXXX  XXXX for wrongful foreclosure ; The court has already indicated dismissal of the original foreclosure action ; Continued credit reporting of this matter interferes with judicial process and violates Floridas Litigation Privilege Doctrine. 

VIOLATIONS SUMMARY Issue FCRA Violation Legal Consequence Reporting dismissed foreclosure 1681e ( b ) ( accuracy ) Guimond v. Trans Union ( 9th Cir. 1995 ) Failure to mark " DISPUTED '' 1681i ( c ) Statutory damages $ 1,000/violation Ignoring counterclaim evidence 1681i ( a ) ( 1 ) Punitive damages + business losses DEMANDS Within 5 calendar days of receipt : Delete permanently : Foreclosure ( Case # XXXX ) Late payments ( XXXX XXXX XXXX XXXX XXXX ) Send updated reports confirming deletion ; Notify all third parties who received this information ( FCRA 1681i ( d ) ) ; Preserve all records related to this account for litigation discovery. 

IMMEDIATE LEGAL ACTION WILL FOLLOW NON-COMPLIANCE

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 2025-07-16 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-07-16 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:
I have previously disputed Experian, Equifax and Transunion 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
On XXXX Blockchain.com compliance XXXX XXXX ( support ticket XXXX XXXX ) informed me that my Exchange balanceabout XXXX XXXX to be refunded manually for compliance reasons. I was asked to provide payout details and did so the same day : XXXX address XXXX XXXX ( XXXX ) XXXX XXXX  XXXX Since then I have sent more than XXXX follow-ups. On XXXX support agent XXXX said my case was escalated to the internal team under ticket # XXXX but no timeline was given and funds remain locked. The company refuses to state any legal reason for withholding the assets or provide an account statement. 

Money has been not available when promised for over XXXX years, violating XXXX of Blockchain.coms own User Agreement ( we will endeavour to return your Digital Assets ). I request immediate completion of the promised manual refund or a written explanation of any outstanding requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: 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 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I've been making payments on my account while it has been in forbearance. I'm in the SAVE program so no interest was supposed to be accruing on my account. Every payment I have made over the past year has had a good amount that has gone to interest on not to the principal. I've made multiple phone calls to Mohela to get this fixed I have only been transferred to someone and left on hold for hours. I've emailed with no response. 
XX/XX/XXXX paid {$7.00} {$3.00} went to principal XXXX went to interest XX/XX/XXXX paid {$15.00} XXXX went to principal {$10.00} went to interest XX/XX/XXXX paid {$220.00} {$200.00} went to principal {$27.00} went to interest XX/XX/XXXX paid XXXX {$10.00} went to principal {$10.00} went to interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANCFIRST CORPORATION
State: OK

Complaint narrative:
CFPB Complaint Unauthorized Loan Payment and Retaliation Threat Your Name : XXXX XXXX XXXX Phone Number : XXXX Bank Name : BancFirst Date of Incident : XX/XX/year> Amount Involved : {$2400.00} What happened : On XX/XX/year>, at around XXXX XXXX, my loan officer at BancFirst contacted me and told me I needed to make a {$1000.00} loan payment before the end of the day. I agreed and told him I would take care of it right away. To do so, I deposited {$2400.00} into my account. 

I have text messages showing our agreement that only {$1000.00} was required. However, after depositing the {$2400.00}, the entire amount was applied to loan payments, including {$1400.00} that I did not authorize. I was never informed that this would happen. 

When I questioned the transaction, I was told that his manager instructed him to apply the rest of the money toward other loans, without telling me. 

After raising concern about the unauthorized use of my funds, I was threatenedspecifically told that if I tried to get the {$1400.00} back or report the incident, they would repossess my vehicles. This threat is not only unethical but appears to be retaliation for exercising my rights Supporting Evidence : I have : Text messages confirming only {$1000.00} was due Deposit records Communication about the {$1400.00} being used on a managers instruction Record of the threat involving repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-16 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: MO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX # XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX  XXXX Incorrect Personal, has violated my rights. 

I looked at my credit bureau 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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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. I kindly request that you block this information from my credit report within XXXX business days

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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACIMA CREDIT, LLC
State: KY

Complaint narrative:
On or around XX/XX/year>, I received a phone call from an individual claiming to be a field agent named XXXX XXXX from a company associated with XXXX XXXX. He informed me that I had a case filed against me involving a breach of contract for the amount of {$880.00}. He said the matter was tied to a debt I acknowledge is valid, but no legal documents or written notice were provided. 

The individual stated that I had been filed and suggested that I was being taken to court. When I asked for a copy of the documentation or any written notice about the debt or legal case, he told me they do not have anything to send in writing and that I would need to get it from XXXX XXXX directly. However, the call came from a No Caller ID number, and no mailing address, case filing information, or return phone number was provided. 

I have not received any written communication from XXXX XXXX  or the original creditor. Under the Fair Debt Collection Practices Act ( FDCPA ), I understand that I am entitled to written notice within 5 days of contact, but they have failed to provide it. 

I believe this company ( or the agents acting on its behalf ) is violating my rights by : Refusing to send written verification of the debt Making misleading legal threats ( e.g., saying I was filed without proof of a court case ) Contacting me from an untraceable number Using pressure tactics to demand payment without providing documentation At this point, I have no way of verifying who actually contacted me, and I feel unsafe and unsure about how to resolve the matter due to their refusal to follow proper legal procedures. I am requesting CFPBs assistance in requiring this company to provide written validation of the debt and to stop using deceptive or threatening collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MO

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report, they are hurting my ability to obtain 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 2025-07-16 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief