vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: AZ

Complaint narrative:
formally dispute and demand the removal of two unauthorized hard inquiries placed on my Experian credit file by XXXX XXXX  on or about XX/XX/year>. These inquiries stem from a denial letter sent by XXXX XXXX referencing an auto loan application initiated by a third party ( XXXX XXXX XXXX XXXX XXXX ). I did not authorize XXXXXXXX XXXX directly, nor was I notified or did I consent to these inquiries. 
Both entries represent violations of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681b ( f ) No permissible purpose was established with my consent. 


15 U.S.C. 1681e ( b ) The information reported was not accurately or lawfully obtained.

UCC 1-304 and 9-203 No valid agreement existed to support a financial interest or inquiry.

Furthermore, two separate credit scores ( 649 and 651 ) were pulled by XXXX on the same date, creating duplicate harm without justification. This inflation of inquiries affects my creditworthiness and constitutes actionable misconduct. 
Requested Relief : Immediate removal of both hard inquiries from my Experian credit file. 


Full investigation into XXXXXXXX XXXXXXXX FCRA compliance. 


Monetary compensation for willful harm to my credit reputation and potential loss of credit opportunities.

Written confirmation of removal and compliance.

I have attached a copy of the denial letter and my identification. If this matter is not resolved promptly, I will pursue further legal remedy under 15 U.S.C. 1681n for willful violations.

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 2025-05-09 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: AZ

Complaint narrative:
formally dispute and demand the removal of two unauthorized hard inquiries placed on my Experian credit file by XXXXXXXX XXXX  on or about XX/XX/year>. These inquiries stem from a denial letter sent by XXXX XXXX referencing an auto loan application initiated by a third party ( XXXX XXXX XXXX XXXX XXXX ). I did not authorize XXXX XXXX  directly, nor was I notified or did I consent to these inquiries. 
Both entries represent violations of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681b ( f ) No permissible purpose was established with my consent.

15 U.S.C. 1681e ( b ) The information reported was not accurately or lawfully obtained.

UCC 1-304 and 9-203 No valid agreement existed to support a financial interest or inquiry.

Furthermore, two separate credit scores ( 649 and 651 ) were pulled by XXXX on the same date, creating duplicate harm without justification. This inflation of inquiries affects my creditworthiness and constitutes actionable misconduct. 
Requested Relief : Immediate removal of both hard inquiries from my XXXX XXXXedit file. 


Full investigation into XXXXXXXX XXXX  FCRA compliance. 


Monetary compensation for willful harm to my credit reputation and potential loss of credit opportunities.

Written confirmation of removal and compliance.

I have attached a copy of the denial letter and my identification. If this matter is not resolved promptly, I will pursue further legal remedy under 15 U.S.C. 1681n for willful violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: 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 1681b, 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. 1681i ( a ) ( 1 ) ( 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. Code 1681b 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. Code $ 1681c-2 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 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - 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 ( A ), 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-09 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The credit card company, 5th 3rd Bank, withdrew from my checking account approximately {$1900.00} more than was due on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-09 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hired XXXX to report my rent to the 3 major credit reporting agencies. Experian is the only CRA that is making it very hard get my rent reported as an open trade line. Ive been waiting for months. And to top it off my credit score still hasnt changed much because of it. XXXX  posts 2 years of rental history at a time along with recent payment which are designed to help improve your fico 2 score. I believe Experian is doing it on purpose. I can never reach a specialist on the phone. Experian rent bureau verified my rent. But the credit reporting side isnt doing their part.

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 2025-05-09 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: 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 1681b, 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. 1681i ( a ) ( 1 ) ( 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. Code 1681b 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. Code $ 1681c-2 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 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - 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 ( A ), 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 non-monetary relief
Consumer complaint received 2025-05-09 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: WA

Complaint narrative:
On XX/XX/XXXX I received notice my credit score dropped over XXXX points due to student loans being 90 days past due. I have been working with the student loan creditor in the military department and my payments were not supposed to begin until XX/XX/XXXX due to the fact that Im still in college. I contacted the student loan creditor and Experian and started a dispute which was found to be approved. Experian did not remove the 90 day late payment report, but instead randomly moved it around two different months and every time I called about it I was told a different reason why. I have had customer service members hang up on me, I have had promises that a manager will call me and never got a manager, I have had this reviewed constantly and every time I am told it will be fixed experience will move the 90 day late payment to another random month, on time moving it back all the way to XX/XX/XXXX when the payments were not even Close to being due. Experience has now moved it back to XX/XX/XXXX making my credit score. Drop another XXXX points. I have tried all avenues to get this fixed and every time I am told its going to be taken care of. Its only made worse to the point where they are now placing a 90 day late payment fraudulently on random months, ruining my credit score.

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 2025-05-09 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX # XXXX XX/XX/year> -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
b"I was scammed by the XXXX XXXX SCAM by via text message recently. The information I provided in my documents shows that I filed a claim against the scamer who withdrew or tool ouXXXX XXXX XXXX threw via wallet or atm XXXX XXXX XXXX XXXX  I expressed that I don't live in the area and don't not reside in nyc or new jersey.  My home address is located at XXXX XXXX XXXX XXXX XXXX  Virginia.  And my bank closest to my home XXXX XXXX XXXX XXXX XXXX Virginia.  I made a complaint and they denied help for service by deliberately putting XXXX XXXX  as credits in my account just so I owe money back to the bank because of a denied insurance claim. They claimed the I authorized the XXXX so therefore I was hurt by the process because I was tricked. The bank phone number to the fraud department is XXXX  . The scamers main number for XXXX is 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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I am sending this asking for your help to file a formal complaint against WAYPOINT RESOURCE GROU regarding an account I have with them XXXX * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : 1.WAYPOINT RESOURCE GROU ( Original Creditor : XXXX XXXX XXXX XXXX * * * * Balance : {$210.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with WAYPOINT RESOURCE GROU but to no avail.

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 2025-05-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Demand to Cease Reporting Transactions to Consumer Reporting Agencies per 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) Account # XXXX Dear XXXX, I am writing to respectfully demand that you immediately cease reporting certain transactions or experiences, including any late payments, associated with my account XXXX to any consumer reporting agency ( e.g., Equifax, XXXX, XXXX  ), as these transactions are excluded from the definition of a consumer report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). 

The following items are transactions or experiences solely between me and XXXX, and their reporting to consumer reporting agencies is improper : 1. Late payment reported for [ XX/XX/year> ] on account XXXX This is a transaction or experience solely between me and XXXX, as it reflects my direct payment activity with you. 
2. Late payment reported for [ XX/XX/year> ] on account XXXX This is a transaction or experience solely between me and XXXX, as it reflects my direct payment activity with you. 
3. Late payment reported for [ XX/XX/year> ] on account XXXX This is a transaction or experience solely between me and XXXX, as it reflects my direct payment activity with you. 
4. Late payment reported for [ XX/XX/year> ] on account XXXX This is a transaction or experience solely between me and XXXX, as it reflects my direct payment activity with you. 
5. Late payment reported for [ XX/XX/year> ] on account XXXX This is a transaction or experience solely between me and XXXX, as it reflects my direct payment activity with you. 

Under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. My payment history, including any late payments, constitutes a record of transactions or experiences solely between me and you, the creditor. Therefore, these transactions are explicitly excluded from the FCRAs definition of a consumer report and should not be reported to consumer reporting agencies. 

Furthermore, the reporting of payment history is a standard of the Fair Isaac Corporation ( FICO ) scoring model, not a requirement or definition under 15 U.S.C. 1681a or any other provision of the FCRA. As such, you lack legal authority under the FCRA to report these transactions to consumer reporting agencies, and doing so violates the intent of the exclusion in the FCRA.

Company response to consumer: Closed with non-monetary relief