vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
TransUnion XXXX. XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Unauthorized Credit Inquiry Request for Investigation and Deletion Creditor Name : XXXX XXXX BANK Inquiry Date ( XXXX ) : XX/XX/XXXX and XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX,XX/XX/XXXX Phone : ( XXXX ) XXXX Type : Individual Dear Credit Bureau Representative, I am writing to dispute and formally request an investigation into the above-referenced credit inquiry that appears on my credit report. I have reviewed my file and have no record of authorizing XXXX XXXX BANK or any of its affiliates to access my consumer report on the dates listed above. 

Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( a ), a consumer reporting agency may only furnish a credit report when the consumer has given explicit authorization or when there is a permissible purpose as defined by law. Because I did not apply for credit, financing, or any service related to XXXX XXXX BANK, this inquiry appears to have been made without my consent and therefore represents an unauthorized access to my consumer information. 

In accordance with FCRA XXXX, I am requesting that you : Conduct an investigation into this inquiry with the data furnisher. 

Provide me with documentation of my authorization, if any exists. 

If no authorization can be verified, remove the unauthorized inquiry from my credit file immediately. 

Please send me written confirmation once this inquiry has been deleted, or provide copies of any signed authorization you rely on to verify its legitimacy. 

Thank you for your prompt attention to this matter. 

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 2025-11-05 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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: NV

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT Experian continues to violate the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) by failing to block and delete fraudulent information within four business days of receiving identity theft documentation. I provided Experian with a Police Report ( XXXX Police Department # XXXX ) and an FTC Identity Theft Report ( # XXXX ) identifying fraudulent accounts with XXXX XXXX and XXXX XXXX XXXX. Instead of following the FCRA requirement to block first and investigate later, Experian improperly " verified '' the accounts. They also stated payment data or account history. This was not legitimate evidence of ownership. Ongoing evidenceincluding an admission by a former girlfriend responsible for opening the fraudulent accounts and proof of continued bank hacking activityshows that any transaction or payment records tied to these accounts were unauthorized and part of the identity theft scheme. Despite receiving proper documentation, Experian has failed to remove or block these fraudulent accounts and continues to report them, causing ongoing harm to my credit and financial reputation. Experians refusal to apply the four-business-day block violates both federal law and South Carolina consumer protection standards 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. CXX/XX/XXXXe XXXXb outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. CXX/XX/XXXXe $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. CXX/XX/XXXXe XXXX Section XX/XX/XXXX( XX/XX/XXXX ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( XX/XX/XXXX ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-05 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-05 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: AL

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 2025-11-05 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX AUTO - XXXX Listed below are the Inquiries that are being challenged 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 2025-11-05 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: AZ

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-11-05 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: AZ

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IN

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 Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXX -- Balance : {$1000.00} - Date Opened : XX/XX/XXXX XXXXXXXX # XXXX -- Balance : {$1400.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$390.00} - Date Opened : XX/XX/XXXX XXXX  FINCL # XXXX -- Balance : {$68000.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- Balance : {$480.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$19000.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$560.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX, XXXX. is reporting inaccurate and harmful information to the credit bureaus regarding my closed account ending in XXXX. 

According to my Experian credit report, the account is showing : A balance of {$430.00}, A past-due amount, A XXXX late status, and A status updated as recently as XX/XX/year>, even though the account was fully paid and closed in XX/XX/year> at my request. 

This reporting is false, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) because : 1. A closed and paid account can not continue to accrue past-due amounts or late payments.

2. The balance should be reported as {$0.00} once the account is paid and closed.

3. No late payments after closure are accurate or valid.

4. Because of this incorrect reporting, my credit score dropped, causing financial harm.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I filed a fraud claim for my bank card with Western union in the amount of {$1300.00} and they won't refund me despite the transaction not occuring at the branch I usually go to I previously asked for a refund because of my long tenture and provided evidence to support my claim But their executive response team didn't honor my request despite my pleasle Under case number Fraud claim id XXXX and tracking id XXXX I contacted the Western Union fraud unit and nothing and their executive response XXXX XXXX XXXX Resolutions Team XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against the following creditors for reporting inaccurate late payment information on my credit reports. I have never made any late payments to these accounts, yet they continue to be reported as delinquent. These false entries are damaging my credit profile and violate the accuracy requirements under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), which mandates that furnishers of information must report complete and accurate data. 

The accounts in question are : XXXX Account Number XXXX XXXX XXXX XXXX XXXX  High Balance : {$530.00} Date Opened : XX/XX/year> Reported Issue : Late Payment inaccurate reporting XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXigh Balance : {$2000.00} Date Opened : XX/XX/year> Reported Issue : Late Payment inaccurate reporting XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/year> Reported Issue : Late Payment inaccurate reporting I have reviewed my payment records carefully, and they show no instances of delinquency or missed payments on any of the above accounts. The credit reporting agencies and the furnishers have failed to ensure the accuracy and completeness of my credit information, thereby violating their legal obligations under FCRA Sections 602 ( A ), 607 ( B ), and 623 ( A ).

These false late payment entries have resulted in significant and unfair harm to my credit score and financial standing. I am requesting that the CFPB investigate these creditors and require them to correct or delete the inaccurate information immediately from all consumer reporting agencies, including XXXX XXXX XXXXnd TransUnion. 

Please note that I am prepared to provide supporting documentation of my on-time payment history upon request. 

I respectfully request that this matter be resolved promptly and that I receive a written response confirming the correction or removal of these inaccurate entries. 

Thank you for your attention and assistance.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> i checked-in into a hotel with checkout date of XX/XX/year>. 

At checkout the merchant released the hold of {$68.00}. 

On XX/XX/year>- Citi released {$18.00} back to my credit card. 

I contacted Citi customer service on XX/XX/XXXX to know the reason for the partial refund. 

A complaint # XXXX Was filed. 

XX/XX/year> the remaining {$50.00} is still on hold with citi bank falsely claiming that the merchant or their bank are the one holding on to said funds. 

After speaking with a Citi bank manager XXXX, I contacted the merchant whom sent by email proof of refund in the amount of {$68.00} in XXXX transaction. 

Citi agents and supervisors are falsely claiming it will take them XXXX  days to release the funds with no valid reason. 

Hence I was left no choice then to file a complaint against them for excessive delay XXXX XXXX XXXX Supervisor, - Manager 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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
Im trying to see if this attempt to collect this debit of 13 years is legal or not

Company response to consumer: Closed with explanation