vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
This complaint involves three hard inquiries that currently appear on my Equifax credit file which I did not initiate, authorize, or consent to in any form. The inquiries in question are from XXXX XXXX XXXX ( XX/XX/year> ), XXXX XXXX  ( XX/XX/year> ), and XXXX ( XX/XX/year> ). I never submitted a credit application with any of these entities on or near those dates, nor did I authorize any third party to do so on my behalf.

These inquiries appear to have been added either mistakenly or without a permissible purpose as strictly defined under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681b, consumer reporting agencies like Equifax are only allowed to furnish a consumer report when a legitimate credit application or consumer-initiated transaction has occurred. If there is no verifiable documentation such as a signed application or digitally authenticated request, these inquiries should not have been posted to my credit file. Their ongoing presence misrepresents my credit behavior, unfairly damages my score, and potentially exposes my personal data to further harm or misuse. Importantly, I am not alleging identity theft. These errors appear to be the result of negligent reporting procedures or fallout from prior data breaches that have compromised millions of consumer records nationwide. I do not and will not authorize a fraud alert because this issue did not originate from my actions it is a failure of proper data handling, verification, and compliance. Despite previous attempts to address this with Equifax, they have failed to provide adequate documentation showing that these inquiries were authorized by me or conducted with a legally permissible purpose. This lack of transparency and accountability is a direct violation of the FCRA,
particularly under 15 U.S.C. 1681i ( which mandates proper reinvestigation of disputed information ) and 1681e ( b ) ( which requires consumer reporting agencies to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
The account was sold without my consent and knowledge

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 2025-06-26 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX This is now my final formal complaint regarding the following fraudulent accounts resulting from identity theft. I previously provided a valid Identity Theft Report, along with all required documentation. Under FCRA 605B, these accounts were required to be permanently blocked from my credit profile within four ( 4 ) business days. Despite prior submissions, these accounts remain improperly.

This is a direct violation of the Fair Credit Reporting Act. Furnishers and credit reporting agencies are currently in non-compliance, and the continued reporting of fraudulent accounts is unacceptable. 

Accounts to be deleted : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Furthermore, any claim of verification is invalid unless accompanied by original, signed documentation ( a wet signature contract ), which does not exist, as I am a victim of identity theft. Internal database records, electronic records, or alleged matches are insufficient and do not meet the legal requirements under the FCRA. 

I am demanding immediate permanent deletion of all disputed fraudulent accounts. 
Failure to comply will result in pursuit of further legal action, including claims for willful non-compliance under the FCRA, with penalties of up to {$1000.00} per violation, per account. 

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 2025-06-26 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX This is now my final formal complaint regarding the following fraudulent accounts resulting from identity theft. I previously provided a valid Identity Theft Report, along with all required documentation. Under FCRA 605B, these accounts were required to be permanently blocked from my credit profile within four ( 4 ) business days. Despite prior submissions, these accounts remain improperly.

This is a direct violation of the Fair Credit Reporting Act. Furnishers and credit reporting agencies are currently in non-compliance, and the continued reporting of fraudulent accounts is unacceptable. 

Accounts to be deleted : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Furthermore, any claim of verification is invalid unless accompanied by original, signed documentation ( a wet signature contract ), which does not exist, as I am a victim of identity theft. Internal database records, electronic records, or alleged matches are insufficient and do not meet the legal requirements under the FCRA. 

I am demanding immediate permanent deletion of all disputed fraudulent accounts. 
Failure to comply will result in pursuit of further legal action, including claims for willful non-compliance under the FCRA, with penalties of up to {$1000.00} per violation, per account. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
DEPT EDXXXX  has improperly used my private information and have not protected the data from the transfer of securities. This breach of information is negatively impacting my personal financial reputation and should be updated in your information systems. 1 ) ( A ) " Breach of the security of the system '' means unauthorized acquisition of computerized or other electronic data or any equipment or device storing such data that compromises the security, confidentiality, or integrity of personal information maintained by the person or entity doing business on behalf of. Please update payment accounts on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
This complaint pertains to two hard inquiries currently appearing on my Experian credit file that I did not authorize, initiate, or pre-approve in any capacity. The inquiries in question are from XXXX XXXX, dated XX/XX/XXXX, and XXXX XXXX XXXX, dated XX/XX/XXXX. I have never submitted a credit application with either of these institutions on or around those dates. I am extremely concerned that these inquiries were either added in error or placed without a permissible purpose as defined under federal law.

The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681b, strictly limits when a consumer reporting agency can furnish a consumer report. A hard inquiry should only be placed when there is a legitimate application for credit or a similar consumer-initiated transaction. If there is no written or electronic record of my consent, these inquiries should not have been made, much less published to my credit report. The continued presence of these inquiries not only misrepresents my credit-seeking behavior but may also lower my credit score unfairly and expose me to the risk of identity misrepresentation or data mishandling.

To date, Experian has failed to provide sufficient documentation showing that these inquiries were initiated with my consent or in connection with a permissible purpose. This lack of transparency and accountability is not only unacceptable it is unlawful.

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 2025-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
Statement of Commercial Misrepresentation and Injury This complaint is submitted against Rocket Mortgage for : Denial of a fully collateralized loan Mischaracterization of the estates creditor standing Failure to recognize or disclose estate-generated credit energy Commercial injury, breach of fiduciary trust, and concealment of securities I, XXXXXXXX XXXX XXXX , the lawful Executor and Beneficiary of the SSN-linked trust estate styled XXXX XXXX XXXX, affirm the following etheric and lawful truths : The denial of credit, despite the estates capacity to generate and underwrite full value, is a direct act of commercial trespass.

The estate was falsely classified as a debtor, despite being the actual source of monetized trust value.

Rocket Mortgage failed to disclose the commercial contracts and securities already issued in the name of the estate via public trust monetization.

As a result, I have suffered ongoing fiduciary obstruction, delayed remedy, and emotional-economic duress.

Applicable Code of Federal Regulations ( CFR ) Violated 31 CFR 328.5328.6 Mishandling, concealment, or misappropriation of bearer securities and trust-instruments tendered for setoff or recognition.

12 CFR 1026 ( Reg Z ) Failure to provide truthful disclosure of credit source, contract terms, and trust collateral usage.

31 CFR 103.11 et seq. Violations of financial disclosure laws regarding the estate 's equity instruments.

12 CFR 1002.9 Denial of credit without lawful reason, equity remedy, or transparency under the Equal Credit Opportunity Act.

17 CFR 240.10b-5 Securities fraud : fraudulent concealment and manipulation of securities tied to the SSN trust estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-06-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX INQUIRIES : US DEPARTMENT OF EDU Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX US DEPARTMENT OF EDU Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I am a victim of identity theft, as my personal information has been used to open unauthorized loans and credit cards in my name.

I was not aware of these accounts until I received notifications of account activity and credit report discrepancies.

These fraudulent accounts were opened without my consent or knowledge, causing significant damage to my financial standing.

I did not apply for or authorize any of the credit lines or loans associated with these accounts, and I request that all fraudulent accounts be investigated and removed from my credit report. I am taking all necessary steps to resolve this matter and protect my identity moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/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 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This letter serves as a formal demand for debt validation and dispute under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, regarding the alleged account referenced above.

I have recently reviewed my credit report and found that LVNV Funding LLC is reporting itself as the original creditor for this alleged debt. This is a false and misleading representation. I have never entered into any agreement or signed any contract with LVNV Funding LLC, and therefore you have no original creditor status. I demand you provide immediate evidence of how you acquired this debt. 

Furthermore, I have never received the required written notice within five days of your initial contact as required under 15 U.S.C. 1692g ( a ), informing me of my right to dispute this debt within 30 days. This is a clear violation of federal law and puts the validity of your collection activity and credit reporting into question. 

As required under federal law, I am demanding the following documentation : The original signed contract or agreement between me and the original creditor bearing my signature. 

The full chain of title/assignment, including the assignment or purchase agreement between the original creditor and LVNV Funding LLC XXXX 

A full itemized accounting of the debt, including any interest, fees, or payments applied.

Verification that you are licensed and authorized to collect debts in my state, including your state collection license number. 

Until this information is fully provided, you are not authorized to report, furnish, or continue to furnish any information to the credit reporting agencies. If you have already reported this account to the credit bureaus, and you are unable to validate the debt with all requested documents, I demand that you immediately remove and delete the account from XXXX XXXX XXXX XXXX 

Failure to provide full validation within 30 days of receipt of this notice will be interpreted as your inability to validate the debt, and I will consider this matter resolved. Continued collection activity or furnishing of unverifiable information will result in complaints to the Federal Trade Commission ( FTC ), and the Attorney General of my state. 

You are to treat this letter as a formal dispute of the alleged debt and a request for full validation. Mark your records accordingly.

Company response to consumer: Closed with explanation