vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand and dispute under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Upon reviewing my credit reports maintained by your respective agencies, I identified multiple hard inquiries that I do not recognize, authorize, or recall granting any permissible purpose for. These inquiries are unverified, unauthorized, and in direct violation of FCRA 604 [ 15 U.S.C. 1681b ], which restricts access to consumer credit files solely for legitimate and documented permissible purposes. 

Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Services ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis : Under FCRA 604 ( a ), each credit reporting agency must confirm a permissible purpose before releasing or displaying consumer information. If no such documentation exists, maintaining these inquiries constitutes unlawful publication of private consumer data. 

Furthermore, FCRA 611 [ 15 U.S.C. 1681i ] requires a reasonable reinvestigation within 30 days of a consumer dispute. This investigation must yield verifiable documentationspecifically, a copy of the signed credit application or digital consent proving I authorized access. Absence of such documentation requires immediate deletion of the inquiries from my consumer file. 

Failure to comply constitutes willful or negligent noncompliance under FCRA XXXX, subjecting your agency to potential civil liability, including actual damages, statutory damages, attorneys fees, and punitive damages. 

Demand for Relief : Conduct a full reinvestigation of all inquiries listed above. 

Permanently delete any inquiry lacking written proof of authorization or permissible purpose. 

Provide me a corrected credit report reflecting the deletions within 30 days of receipt of this letter. 

Provide written confirmation of your findings and actions taken. 

If compliance is not met, I reserve the right to escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for enforcement and damages under federal law. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-20 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-10-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Mercedes-Benz Financial Services is reporting false and inconsistent information about my vehicle loan for XX/XX/XXXX XXXX XXXX XXXX On XXXX XXXX2025, MBFS told the CFPB that my account was " terminated as Skip charge-off '' with balance of {$3500.00}. then on XXXX XXXX2025, they sent a " Deficiency Notice '' claiming I owed {$19000.00} for repossession costs. 
This is incorrect. The vehicle was declared a TOTAL LOSS, not repossessed. The payment of about {$10000.00} came from the at-fault driver 's insurance company, not my own, representing the maximum settlement under their policy. I then turned to my XX/XX/XXXX insurance to cover the remaining. 
However, because XXXX incorrectly reported the account as a repossession, the XXXX provider only paid about {$2200.00} instead of the full remaining balance. I. addition, XXXX received fund from warranty and protection plan cancellations, which were credited or explained and they later sold the vehicle at auction, yet continue to claim a balance due. 
On XXXX XXXX2025 I sentXX/XX/XXXX a written dispute letter ( received XXXX XXXX2025 ) requesting correction, a full accounting of all funds, and clarification of liability under XXXX XXXX XXXX, XXXX XXXX has failed to respond within XX/XX/XXXX days. 
I request CFPB assistance to require XX/XX/XXXXto : -Correct the account classification to Total Loss -Remove the false " repossession/charge-off '' reporting from my credit -Provide a full accounting of all funds received ( insurance, warranty, XX/XX/XXXX Court, Auction, XXXX, ) -Confirm that the obligation belongs toXX/XX/XXXXXXXX, not to me personally . 

XXXX misreporting and failure to account for all proceeds have caused significant financial harm and misrepresentation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
As mandated by 15 U.S. Code 1681g, the disputed accounts must be deleted promptly.

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 2025-10-20 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$7200.00}

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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MA

Complaint narrative:
XXXX has announced that it would distribute warrants on the delivery date of XX/XX/year>, with the record date being XX/XX/year>. I own XXXX shares in CashApp, and as such should be entitled to a proportional number of warrants. Prior to the date of record, CashApp communicated that it would deliver the warrants to CashApp accounts within 7 days of the distribution date. ( XXXX XXXX XXXXXXXX ) The warrants have not yet appeared in my account and CashApp has provided no answers as to why that is or as to when I can expect the warrants to be delivered. Requests are forwarded to their internal XXXX team that was supposed to reach out to me by email, but has so far failed to provide even the most basic answers. Their internal case number for me is XXXX. There has been no official follow-up from the company and no answers have been provided to me directly. I know that this issue is being faced by may other CashApp customers who are XXXX investors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-10-20 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
XXXX XXXX - Credence Management Resources- Debt Collection Agency Purchased XXXX XXXX XX/XX/XXXX Cancelled Optimum Cable and returned equipment to local office XX/XX/XXXX Received billed for {$110.00} for services XX/XX/XXXX - XX/XX/XXXX Went to local office and was told we have a {$0.00} balance so there is nothing to pay since we were no longer a customer. They had no idea why we would receive a bill for a period that we were not signed up with their company and did not use their services. XXXX told us to upload our receipt to https : XXXX. We did that and thought the issue was resolved. 

A year later while we are in the process of building a house and got a notification XX/XX/XXXX that Credence Management Resources reported a collection from XXXX XXXX in the amount of {$110.00}. My credit score has dropped from XXXX to XXXX. I have contacted Credence Management to have this deleted. Have not received response or anything in writing about the debt or any proof that it is owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
They're charging XXXX, account number XXXX. I don't know what it's for. The only thing I did with XXXX was rent a car in XXXX, and I had a dispute with XXXX Bank because the company charged more than what they had stated. XXXX Bank requested proof and documents to prove what they said, and everything was submitted, discussed, and resolved. In the end, the due payment was made, and I have no complaints about the company or me. The company in XXXX is XXXX, and the company trying to bribe me with unknown charges is The Receivable Management Services LLC, 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 2025-10-20 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:
Since I never gave authorization nor had any b usiness dealings with these companies, these inquiries are a violation of the FCRA. As such, I am requesting that these unauthorized inquiries be * * deleted from my credit file immediately * *.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
I submitted dispute letters to all three credit bureaus ( Equifax, Experian, and TransUnion ) regarding multiple inaccurate and fraudulent accounts appearing on my credit reports. Along with my disputes, I included a valid Identity Theft Report, copies of my government-issued ID, and proof of address to verify my identity and support my claim. 

Despite providing complete documentation and allowing more than the XXXX investigation period required by law, the bureaus have failed to correct, delete, or update the disputed information. The same inaccurate and fraudulent accounts continue to appear on my reports with no indication that any investigation or verification was properly conducted. 

I have already filed a previous complaint through the CFPB about this matter, yet no action has been taken by the bureaus to comply with my request or fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). This ongoing inaction is causing me harm and preventing me from having an accurate and fair 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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am filing this complaint because American Express has placed a red flag on my account and reported it to the credit bureaus, seriously harming my credit and business reputation. 

This situation occurred due to a misunderstanding : I was traveling internationally for over XXXX months, and my wife was making the payments on my behalf. She was unaware that the full balance had to be paid instead of the minimum payment. Once I returned, I immediately paid the entire balance in full. 

I have never had any delinquencies or late payments in my entire credit history. Despite contacting American Express several times by phone, they refused to remove the red flag or provide any written explanation or correction. Their agents admitted they can not fix it by phone, but offered no other solution. 

This negative mark has already affected my business credit and personal financial standing I operate a trucking company and rely on good credit for high insurance limits and business loans. 

I respectfully request that the CFPB require American Express to : XXXX. Remove the red flag and any negative reporting from all credit bureaus ( Experian, TransUnion, Equifax ). 
XXXX. Confirm the correction in writing to me. 
XXXX. Prevent further damage to my credit score and business operations.

This issue is urgent and has caused measurable financial harm. I expect immediate correction under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation