vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: NCC Holdings, LLC
State: NJ

Complaint narrative:
On my XXXX  credit report, there are multiple hard inquiries that I did not directly authorize, and many are duplicate or excessive. On XX/XX/XXXX, XXXX XXXX appears twice with separate inquiries on the same day. Also on XX/XX/XXXX, there are inquiries from XXXX  XXXX XXXX and XXXX XXXX . On XX/XX/XXXX, there is an inquiry from XXXX XXXX, and XXXX XXXX appears multiple times overall ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Additionally, on XX/XX/XXXX, XXXX XXXX  ( listed as XXXX  ) ran an inquiry. 

I only authorized one credit check for an auto loan application, but my information was sent to multiple lenders without my direct consent, resulting in numerous inquiries. I did not open accounts with any of these institutions or gain any loan or benefit from these inquiries. This has negatively impacted my credit score and does not reflect responsible credit use on my part.

I am requesting a thorough investigation and the removal of all unauthorized, duplicate, or excessive inquiries, specifically : XXXX XXXX XX/XX/XXXX ( appears twice same day ) XXXX  XXXX XXXX ( XXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( appears three times total ) XXXX XXXX  ( XXXX ) XX/XX/XXXX I would like these inquiries removed as they were not individually authorized, and no resulting account or loan was opened or used. Please let me know if further information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: DISCOVER BANK
State: NJ

Complaint narrative:
On my XXXX  credit report, there are multiple hard inquiries that I did not directly authorize, and many are duplicate or excessive. On XX/XX/XXXX, XXXX XXXX appears twice with separate inquiries on the same day. Also on XX/XX/XXXX, there are inquiries from XXXX  XXXX XXXX and XXXX XXXX XXXX On XX/XX/XXXX, there is an inquiry from XXXX XXXX, and XXXX XXXX appears multiple times overall ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Additionally, on XX/XX/XXXX, Discover Bank ( listed as DISCOVERC ) ran an inquiry. 

I only authorized XXXX credit check for an auto loan application, but my information was sent to multiple lenders without my direct consent, resulting in numerous inquiries. I did not open accounts with any of these institutions or gain any loan or benefit from these inquiries. This has negatively impacted my credit score and does not reflect responsible credit use on my part. 

I am requesting a thorough investigation and the removal of all unauthorized, duplicate, or excessive inquiries, specifically : XXXX XXXX  XX/XX/XXXX ( appears twice same day XXXX XXXX XXXXXXXX XXXX ( XXXX OF XXXX ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( appears XXXX times total ) Discover Bank ( XXXX ) XX/XX/XXXX I would like these inquiries removed as they were not individually authorized, and no resulting account or loan was opened or used. Please let me know if further information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MO

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: Self Financial Inc.
State: MD

Complaint narrative:
My personal information was stolen and used to open and manage accounts without my knowledge or consent. This includes applications for services such as Self XXXX XXXX and XXXX, where I later discovered an outstanding balance of {$380.00}. Additionally, my name was fraudulently used in connection with XXXX XXXX. I did not authorize any of these actions and was unaware of them until I reviewed my credit and financial records. I am requesting that these fraudulent activities be investigated and removed from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This is a formal follow-up regarding CFPB Complaint # XXXX. 
As of today, I have not received any documentation, validation, or substantiating evidence from your company concerning the alleged debt in question. I therefore continue to dispute the validity of this debt in full and refuse to pay it. 
Additionally, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and formally demand that you cease all communication with me, effective immediately. This includes all forms of contact written, verbal, or electronic as well as any indirect communication, including furnishing or reporting the alleged debt to any consumer reporting agencies ( credit bureaus ). 
Reporting or continuing to report this alleged debt after a cease communication request will constitute a willful violation of the FDCPA and may be grounds for legal action.

No further contact is authorized. I consider this matter closed from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NV

Complaint narrative:
Codes arent being followed. The consumer is being held up for 60 days awaiting dispute results and everything is data checked. 15 USC 168e ( Compliance ) 15USC 1681e ( b ) deletion on inaccuracy. I dont need no more computer data checking Ive received that since 2020. XXXX XXXXXXXX is incapable of reporting correctly. Remove me from your platform immediately. The overbite committee need to over see the detention of this fraudulent reporting technique thats been going on for years that Im dissiponted with the copy, paste and now AI strategy. Bureau working hard together to make money. Its financial I believe it will be better this time so no follow up is needed.

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 2025-07-07 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:
To Whom It May Concern : I am writing to formally file a complaint against TransUnion for violating provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2 ( a ), regarding the improper re-insertion of a fraudulent XXXX XXXX account on my credit report. 

I previously notified TransUnion that I am a victim of identity theft, which I believe to be a result of the XXXX data breach. Pursuant to the FCRA, I submitted the appropriate documentation, including a police report and identity theft affidavit, to all three major credit reporting agencies. Both XXXX XXXX XXXX investigated the matter and permanently deleted the fraudulent XXXX XXXX account from my credit file in compliance with federal law. 

Initially, TransUnion also removed the account from my report. However, approximately one month later, they re-inserted the account without providing me with the legally required written notice at least five business days prior to re-insertion, as outlined in 15 USC 1681i ( a ) ( 5 ) ( B ). Furthermore, I have made multiple attempts to obtain an explanation and documentation regarding this re-insertion, and to date, TransUnion has failed to respond or provide any justification, further violating their obligations under the FCRA. 

This account is a result of fraudulent activity, and it is unacceptable and unlawful for it to remain on my credit file, especially after I have followed the appropriate identity theft resolution process under the law. 

I respectfully request that the CFPB investigate TransUnions failure to comply with the FCRA and ensure the permanent removal of the fraudulent XXXX XXXX account from my credit file. Please find enclosed copies of the documentation I previously submitted, including my police report and supporting correspondence.

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 2025-07-07 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX XX/XX/year>

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax lowered my XXXX score for no reason. Now, they refuse to put it back to least XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX account ( XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 168I ( c ) 2

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 2025-07-07 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX account ( XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 168I ( c ) 2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX XX/XX/year>

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