vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., Miller v. Equifax $ XXXX ; Thomas v. TransUnion XXXX XXXX ). 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-17 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Why was I told that I could not turn off overdraft or change the settings so my card would decline if insufficient funds? I submitted a complaint already regarding early payday and inability to set my card up to decline if insufficient funds. On the phone I was told WF couldnt do that. Then I receive mail saying they can. I need my card set up properly to decline if insufficient funds and I need my bank to stop being predatory and lying.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion for reporting inaccurate and misleading information on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

My name is XXXX XXXX, and TransUnion has misspelled my name on the report. In addition, the personal information listed including multiple incorrect addresses, employers, and phone numbers is inaccurate and does not belong to me. 

The only correct address associated with my identity is : XXXX XXXX XXXX, XXXX, GA XXXX All other addresses, phone numbers, and employer names listed are false and must be deleted immediately. This incorrect information is not only damaging to my credit profile, but it also opens the door to potential identity issues.

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 2025-06-18 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: NY

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX credit card Identify Theft See attachment with Report number And XX/XX/XXXX XXXX  XXXX response to CFPB I am the victim of identity theft. XXXX  XXXX is furnishing false information to the credit bureaus, including a fraudulent charge-off account. 

I filed an FTC Identity Theft Report in XXXX. XXXX XXXX was notified, but has continued to report the account despite the evidence. 

This XXXX XXXX account was removed from my Experian report in XX/XX/XXXX, reinserted in XX/XX/XXXX without notice, and then removed again in XX/XX/XXXX. Experian and XXXX XXXX both failed to provide the Method of Verification ( MOV ), and Experian has violated FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) by not notifying me of reinsertion. 

XXXX XXXX has also violated FCRA 605B ( 15 U.S.C. 1681c-2 ) by continuing to furnish fraudulent data after receiving a valid identity theft report. 

I am demanding that XXXX XXXX and Experian permanently remove this account from all consumer reports and cease further reinsertion. 

Supporting documents : FTC ID theft report, Experian dispute history, CFPB prior case response from XXXX  XXXX, MOV requests. 

XXXX XXXX and Experian are in direct violation of FCRA 605B, 611, and 623.

I will be seeking legal assistance and prepares to take matter with the attached documents Im providing to Experian to support and be removed from 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: GA

Complaint narrative:
This is a formal complaint and request under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681g, which grants me the right to obtain a free copy of my consumer report from each consumer reporting agency once every XXXX  months. 

I am contacting LexisNexis, XXXX, and XXXX to inform you that I have not received my XXXX free annual consumer report as required by federal law. I have submitted my request, and enough time has passed without any response or delivery of my file. 

Please consider this a formal demand for each of your companies to provide me with a complete and accurate copy of my consumer file immediately, including all information you maintain about me, the sources of that information, and any inquiries made. 

Failure to provide my report in a timely manner is a violation of the FCRA, and I am prepared to escalate this matter further with the Consumer Financial Protection Bureau and, if necessary, pursue legal action. 

My identifying information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last XXXX Digits ) : XXXX Current Address : XXXX XXXX  XXXX XXXX GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NRA Group, LLC
State: OK

Complaint narrative:
I received a credit alert today of a collection from national recovery agency for {$500.00}. This is not my account in fact I just bought a house in the last month and this is not my debt. I tried to call the number that was provided by the collection agency and nobody answers or it hangs up on me immediately.

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 2025-06-18 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Subject : Unauthorized Hard Inquiry Request for Immediate Removal Inquiry Date : XX/XX/year> Creditor : XXXX XXXX  To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry reported on my credit file on XX/XX/year>, by XXXX XXXX. This inquiry was not initiated or authorized by me, and I had no knowledge, interaction, or application for credit with XXXX around this time. 

Legal Grounds for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a hard inquiry may only be made with explicit written authorization or in connection with a credit transaction that the consumer initiated. I have not provided XXXX XXXX  with any such authorization, nor have I received any credit or service from them. Furthermore : No card was issued. 

I never received any notice of approval, denial, or processing. 

This is a clear violation of my consumer rights and credit privacy. 

This unauthorized inquiry has negatively impacted my credit score and could affect my ability to obtain credit under fair conditions. This is considered fraudulent activity and must be removed immediately.

What I Request : Immediate deletion of this unauthorized inquiry from all three credit bureaus. 

A full investigation into how this inquiry occurred. 

A written confirmation from XXXX XXXX  and the credit bureaus of the removal. 
Documentation showing proof of authorization, if such exists ( which it does not ).

Please note that under FCRA 611, the credit bureaus are required to complete an investigation within 30 days of receiving a dispute. Failure to respond or correct inaccurate information may result in legal action, and I reserve the right to file a complaint with the CFPB, FTC, and my State Attorney Generals office. 

I am also formally copying this complaint to the Consumer Financial Protection Bureau for further investigation. 

Enclosures : Copy of my ID Sincerely, 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 2025-06-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Subject : Unauthorized Hard Inquiry Request for Immediate Removal Inquiry Date : XX/XX/year> Creditor : XXXX XXXX  To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry reported on my credit file on XX/XX/year>, by XXXX XXXX. This inquiry was not initiated or authorized by me, and I had no knowledge, interaction, or application for credit with XXXX around this time. 

Legal Grounds for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a hard inquiry may only be made with explicit written authorization or in connection with a credit transaction that the consumer initiated. I have not provided XXXX XXXX  with any such authorization, nor have I received any credit or service from them. Furthermore : No card was issued. 

I never received any notice of approval, denial, or processing. 

This is a clear violation of my consumer rights and credit privacy. 

This unauthorized inquiry has negatively impacted my credit score and could affect my ability to obtain credit under fair conditions. This is considered fraudulent activity and must be removed immediately.

What I Request : Immediate deletion of this unauthorized inquiry from all three credit bureaus. 

A full investigation into how this inquiry occurred. 

A written confirmation from XXXX XXXX  and the credit bureaus of the removal. 
Documentation showing proof of authorization, if such exists ( which it does not ).

Please note that under FCRA 611, the credit bureaus are required to complete an investigation within 30 days of receiving a dispute. Failure to respond or correct inaccurate information may result in legal action, and I reserve the right to file a complaint with the CFPB, FTC, and my State Attorney Generals office. 

I am also formally copying this complaint to the Consumer Financial Protection Bureau for further investigation. 

Enclosures : Copy of my ID Sincerely, 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I never have had any credit card of this company ( XXXX XXXX, XXXX. ) Please I would like to resolve this problem because my record on my credit have been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ DATA INT is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA INT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at Chime on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( Not Applicable ), a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( Not Applicable ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX, XXXX, 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 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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: UT

Complaint narrative:
This account was taken from someone else that use my identity to get this account, I told the company this is affecting my credit score, and they said they will gather information to validate this account. I have not received anything yet, and this account still is showing on my credit report.

Please I need this account to be out of my credit report, it is affecting pretty bad.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2025-06-18 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company response to consumer: Closed with non-monetary relief