vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXX XXXX I am submitting this formal complaint regarding multiple unauthorized hard inquiries that appear on my credit reports, which I did not initiate or authorize. These inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ) and 1681i. 

The following inquiries are fraudulent and must be removed immediately : XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. 
( XXXX ) XXXX XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX + XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX + XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX + XXXX XXXX Transunion XXXX equifax and Experian I have never applied for credit, goods, or services with these entities and did not authorize any such access to my credit file. Under FCRA 1681b, a hard inquiry requires my express written consent, which I did not provide. 

I have already contacted the credit bureaus, and now I am escalating this issue through the CFPB to demand proper resolution. I am requesting the following : 1. Immediate removal of all unauthorized inquiries from my credit reports with TransUnion, Equifax, and Experian.

2. A detailed investigation report showing what verification process ( if any ) was conducted with my written consent documentation.

3. Confirmation that these inquiries will no longer impact my credit score or reports.

Under FCRA 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to verify disputed information within 30 days or delete it if unverifiable.

Please treat this as a formal complaint and take immediate action. I am attaching a copy of my ID, proof of address, and a copy of my credit report highlighting the fraudulent inquiries. 

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 2025-06-27 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: FL

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXX XXXX I am submitting this formal complaint regarding multiple unauthorized hard inquiries that appear on my credit reports, which I did not initiate or authorize. These inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ) and 1681i. 

The following inquiries are fraudulent and must be removed immediately : XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. 
( XXXX ) XXXX XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX + XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX + XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX + XXXX XXXX Transunion XXXX equifax and Experian I have never applied for credit, goods, or services with these entities and did not authorize any such access to my credit file. Under FCRA 1681b, a hard inquiry requires my express written consent, which I did not provide. 

I have already contacted the credit bureaus, and now I am escalating this issue through the CFPB to demand proper resolution. I am requesting the following : 1. Immediate removal of all unauthorized inquiries from my credit reports with TransUnion, Equifax, and Experian.

2. A detailed investigation report showing what verification process ( if any ) was conducted with my written consent documentation.

3. Confirmation that these inquiries will no longer impact my credit score or reports.

Under FCRA 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to verify disputed information within 30 days or delete it if unverifiable.

Please treat this as a formal complaint and take immediate action. I am attaching a copy of my ID, proof of address, and a copy of my credit report highlighting the fraudulent inquiries. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not open, authorize, or benefit from this account. I have submitted my FTC Identity Theft Report, notarized affidavit, ID, and police report. Therefore, under 15 U.S.C. 1681c-2, this account must be permanently blocked and deleted from all credit reports.

Furthermore, the way this account is being reported contains serious inconsistencies that violate federal law. At one point, the account reflected a {$33000.00} charge-off, but is now showing as a {$15000.00} charge-off after repossession. This defies the logic of charge-off accounting and violates GAAP, FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and the Uniform Commercial Code 9-615, which prohibits double recovery.

Reporting both a charge-off and repossessionwhile fluctuating balancesindicates false, deceptive, or misleading information being furnished to credit bureaus. This further proves that the information is unreliable and must be blocked.

I have submitted valid documentation under federal law, and the burden is on the furnisher to prove with clear, verifiable evidence that I both authorized and benefited from the alleged account. Inconsistencies in your tradeline reporting further support deletion. Continued reporting may constitute willful noncompliance under FCRA.

This account does not benefit me, was never authorized, and continuing to report it despite clear identity theft documentation shows willful negligence and aggravated identity theft under 18 USC 1028A.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
I am a survivor of human XXXX, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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 2025-06-27 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: CA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX XXXX & Charge-Off ( During Incarceration ) > I am disputing an account reported by XXXX XXXX  ( Acct # : XXXX ) which was charged off and reflects a repossession. 

This occurred while I was incarcerated and financially incapacitated. I never received proper notice of deficiency, repossession process, or right to cure, as required under UCC 9-611. 

I submitted a written dispute, but XXXX XXXX failed to validate the debt or provide the original signed contract. This is a violation of : FCRA 15 USC 1681s-2 ( inaccurate reporting ) FDCPA 15 USC 1692g ( lack of validation )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-06-27 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: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$230000.00} Date Last XXXX Date of Last XXXX Late 60 days XX/XX/XXXX, Late 30 days XX/XX/XXXX, Late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} Date Last XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XXXX XXXX XXXX, Late 60 days XXXX XXXX days late XXXX XXXX and 30 days late XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XXXX XXXX XXXX days late XXXX XXXX days late XXXX XXXX and 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XX/XX/XXXX, XXXX and XX/XX/XXXX, Late 90 days XX/XX/XXXX, Late 60 days XX/XX/XXXX and late 30 days XXXX, XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00} Date Last XXXX Date of Last XXXX Late 30 days XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XXXX XXXX, Late 90 days XX/XX/XXXX, Late 60 days XX/XX/XXXX and late 30 days XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} Date Last XXXX of Last Payment:05/01/2025 Late 30 days XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$230000.00} Date Last XXXX Date of Last XXXX Late 60 days XX/XX/XXXX, Late 30 days XX/XX/XXXX, Late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} Date Last XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XXXX XXXX XXXX, Late 60 days XXXX XXXX days late XXXX XXXX and 30 days late XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XXXX XXXX XXXX days late XXXX XXXX days late XXXX XXXX and 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XX/XX/XXXX, XXXX and XX/XX/XXXX, Late 90 days XX/XX/XXXX, Late 60 days XX/XX/XXXX and late 30 days XXXX, XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00} Date Last XXXX Date of Last XXXX Late 30 days XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XXXX XXXX, Late 90 days XX/XX/XXXX, Late 60 days XX/XX/XXXX and late 30 days XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} Date Last XXXX of Last Payment:05/01/2025 Late 30 days XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/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 2025-06-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
I am disputing a collection account that has been placed on my credit report related to a rental property in XXXX XXXX, CA, during the COVID-19 pandemic. I applied for and was approved for rental assistance through the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), which fully covered the rental balance in question. I have official documentation from the City confirming that my application was approved and that the landlord was paid in full. Despite this, the collection agency continues to report this debt, which is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). I have disputed this with the credit bureaus and attempted to resolve it with the collector, but they refuse to acknowledge the relief that was issued. I am requesting that this account be fully removed from my credit report and that the collection agency cease all further reporting or collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
To Whom It May Concern, I have formally disputed the inaccurate late payment reporting associated with my XXXXXXXX XXXX XXXX XXXXXXXX XXXX account across all three major credit bureaus : Experian, Equifax, and TransUnion. In each dispute, I provided documented evidence showing that no proper notice of delinquency was ever given prior to XXXX reporting negative payment history on my credit file. I even sent certified mail to dispute and have validated each creditor has received the letter, this letter contains the same evidence that is attached to this complaint. 

Despite these disputes, XXXX has failed to supply any documentation verifying their reporting. The credit bureaus have continued to report this item without correction or justification, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) 611, which requires furnishers and credit bureaus to conduct a reasonable reinvestigation of disputed information. 

Specifically : My account was closed in XXXX, at which time I authorized a payment intended to resolve the residual interest balance. 
That payment was processed on my end but returned without notice or explanation by XXXX. 
I received no email, phone call, or mailed communication indicating the payment had failed or that further action was required. 
Despite this, interest charges and late fees were assessed monthly from XXXX through XXXX, with no notice ever sent to me regarding any of these charges. 
XXXX proceeded to report this alleged delinquency to the credit bureaus for multiple consecutive months, without giving me any opportunity to resolve or even be made aware of the issue. 
This represents a clear violation of FCRA 623, which governs the duties of information furnishers, and potentially state-level consumer protection laws, due to : Failure to notify me of payment return or missed payments Continued charging of interest and late fees post-closure without communication Willful reporting of negative information without a good-faith effort to verify accuracy or notify the consumer

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 2025-06-27 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: CA

Complaint narrative:
b'I was a victim of identity theft, and this is another request\nto remove the information from my credit file resulting from alleged identity theft. Per FCRA  605B (15 U.S.C.  1681c-2) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.\XXXX XXXX XXXX XXXX, CA 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 2025-06-27 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: CA

Complaint narrative:
I am submitting a formal dispute regarding the reporting of my auto loan account with XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. The account was settled and closed ; however, it continues to reflect derogatory remarks, including a charge-off and history of missed payments that are inaccurately weighted or may be outdated. 

Account Details : Account : XXXX XXXX XXXX XXXX Status : Paid in settlement Charge-off : {$22000.00} Remarks : Paid in full for less than full balance While I acknowledge the account was settled, I dispute the extent and weight of the negative information that remains. The continued display of the charged-off balance despite a {$0.00} balance is misleading and punitive, especially after the debt was resolved. 

I request a full reinvestigation, verification of the charge-off amount and payment history, and appropriate reclassification or deletion of derogatory references under the Fair Credit Reporting Act ( FCRA ). If no documentation can be provided within 30 days, I request that the negative reporting be deleted from my file.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a formal dispute regarding the reporting of my auto loan account with XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. The account was settled and closed ; however, it continues to reflect derogatory remarks, including a charge-off and history of missed payments that are inaccurately weighted or may be outdated. 

Account Details : Account : XXXX XXXX XXXX XXXX Status : Paid in settlement Charge-off : {$22000.00} Remarks : Paid in full for less than full balance While I acknowledge the account was settled, I dispute the extent and weight of the negative information that remains. The continued display of the charged-off balance despite a {$0.00} balance is misleading and punitive, especially after the debt was resolved. 

I request a full reinvestigation, verification of the charge-off amount and payment history, and appropriate reclassification or deletion of derogatory references under the Fair Credit Reporting Act ( FCRA ). If no documentation can be provided within 30 days, I request that the negative reporting be deleted from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: LEXISNEXIS
State: TN

Complaint narrative:
CFPB IS AWARE OF MY IDENTITY BEING COMPROMISED. LEXISNEXIS HAS UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. UNDER 15 US CODE 1681 ( N ) - ( B ) REMOVED PERMANENTLY FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation