vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX  score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I recently noticed an inquiry on my credit report that I did not authorize. This inquiry was done online without my knowledge or consent, and I consider it to be fraudulent.

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 2025-05-21 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: IL

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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 2025-05-21 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: TX

Complaint narrative:
I am writing to formally request an immediate investigation and removal of the following hard inquiries that appear on my credit report, which I do not recognize and did not authorize : XXXX via Dealer - XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX, 2024 Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( c ) ), a hard inquiry may only be made with the express written consent of the consumer. I have not provided written authorization to these companies to access my credit report. If you can not verify that proper authorization was given, you are required to remove these inquiries immediately.

Please consider this letter a formal dispute. I am requesting : The name and address of each party who made the inquiry ; Documentation proving that I authorized each inquiry ; Removal of any unverifiable or unauthorized inquiries from my report.

If you can not provide verifiable documentation within 30 days, I expect the inquiries to be permanently deleted in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-21 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: IA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-21 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: NC

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding XXXX XXXX XXXX XXXX failure to respond to a credit reporting issue I brought to their attention. 

Recently, I contacted XXXX XXXX regarding my XXXX XXXX account to inform them that multiple incorrect addresses appear on my credit report. These addresses are not associated with me, and I requested that they investigate the matter and assist in correcting the inaccurate information. 

Despite reaching out, I have not received any response or acknowledgment from XXXX XXXX regarding my dispute. This lack of communication is concerning, especially given the potential impact of incorrect information on my credit profile. 

I am requesting your assistance in getting XXXX XXXX to properly investigate and respond to my concerns in a timely manner. I am happy to provide supporting documents or correspondence if needed. 

Thank you for your attention 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding XXXX XXXX XXXX XXXX failure to respond to a credit reporting issue I brought to their attention. 

Recently, I contacted XXXX XXXX regarding my XXXX XXXX account to inform them that multiple incorrect addresses appear on my credit report. These addresses are not associated with me, and I requested that they investigate the matter and assist in correcting the inaccurate information. 

Despite reaching out, I have not received any response or acknowledgment from XXXX XXXX regarding my dispute. This lack of communication is concerning, especially given the potential impact of incorrect information on my credit profile. 

I am requesting your assistance in getting XXXX XXXX to properly investigate and respond to my concerns in a timely manner. I am happy to provide supporting documents or correspondence if needed. 

Thank you for your attention 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 2025-05-21 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: NJ

Complaint narrative:
Ive 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 2025-05-21 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: CO

Complaint narrative:
This complaint is being submitted to follow up on my prior dispute regarding inaccurate late payment entries that continue to remain on my Experian credit report. The accounts involved are XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX ), XXXX XXXX ( Account Number XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXXXXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ). Each of these accounts is showing a late payment despite reporting a past due amount and account balance of {$0.00}. Specifically, XXXX XXXX and XXXXXXXX XXXX show late payment entries dated XX/XX/XXXX, and XXXX XXXX XXXX shows a late payment dated XX/XX/XXXX. These derogatory entries are misleading, unsupported, and factually inaccurate if no debt was outstanding at the time of the alleged delinquencies. 

Experian is required under 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of all data furnished in consumer reports. When I previously disputed these accounts, I received no evidence proving that the reported delinquencies were valid, nor did Experian provide any original creditor documentation. Under 15 U.S.C. 1681i, if derogatory data can not be verified during a reinvestigation, it must be removed or corrected. Continuing to report late payments with zero-dollar balances or past due amounts constitutes negligent and misleading reporting. These discrepancies raise serious concerns about the reliability of Experians dispute verification process and whether these accounts are being automatically verified without proper review, which is highly concerning given the rise of data breaches affecting consumer financial information.

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 2025-05-21 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-21 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/year> -- {$640.00}

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 2025-05-21 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: CA

Complaint narrative:
This is also a follow-up complaint regarding the reporting of an outdated late payment tied to a closed account with XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ), with a reported delinquency dated XX/XX/XXXX. While the account currently reflects a {$0.00} balance and shows no past due amount, the late payment entry continues to linger across all three credit bureausXXXX Experian, and XXXX  This outdated derogatory remark is well beyond the seven-year reporting period allowed under 15 U.S.C. 1681c ( a ) ( 5 ), which clearly states that any adverse information, including late payments, must be removed after seven years from the date of delinquency.

More concerning is the fact that these outdated derogatory marks, though associated with closed and resolved accounts, still impact creditworthiness in subtle but harmful ways. Its highly questionable why any of the credit bureaus would continue to include a late payment from XXXX in XXXX. This suggests a failure in data hygiene, or even possible negligence when updating or purging old files. Considering the prevalence of data breaches in recent years, it is also possible that outdated and incorrect records are being recirculated due to improper data management or unauthorized re-entries. The continued inclusion of this obsolete negative item signals a breakdown in the fair and lawful operation of the bureaus reporting systems, particularly with XXXX, which was recently cited by the CFPB for failing to perform reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and to correct or delete unverifiable information under 1681i ( a ) ( 5 ).

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 2025-05-21 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: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Subject : Unauthorized Multiple Credit Inquiries from Auto Loan Applications Message : When I applied for an auto loan at my local dealership for my first car, I was unaware that they would pull my credit multiple times. I explicitly asked if this would count as a single inquiry, and I was told it would, but they failed to disclose how many times they would actually pull my credit. 

Here are the lenders they contacted on XX/XX/2024 : SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only authorized one inquiry. 

When I returned to get another car in XXXX, the same dealership again pulled my credit multiple times without my authorization. These are the inquiries reported on XX/XX/XXXX and XX/XX/2024 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Out of all these, I only authorized a single credit pull per visit, but my credit was pulled repeatedly. 

Additionally, since these inquiries were all made on the same day during each loan application, they should have been grouped and counted as one inquiry each time, per credit reporting standards. However, some inquiries are labeled as unspecified instead of auto loan, which has caused them to be counted separately and unfairly harmed my credit score. 

I am requesting the removal or correction of these unauthorized and misclassified inquiries so my credit report accurately reflects only the authorized credit pulls. 

This issue is causing significant damage to my credit, and I am seeking a prompt resolution. 

The Dealerships were XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-21 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Dear Exeter Finance Compliance Department, I am writing to dispute an unauthorized hard inquiry initiated by your company that is currently appearing on my credit report. The inquiry in question is : EXETER FINANCE LLC/WCG Date of Inquiry : XX/XX/year> This inquiry was made without my knowledge, authorization, or any established permissible purpose, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. I did not apply for credit with your company nor did I authorize any credit check. Therefore, this constitutes a willful violation of federal law.

To prevent further harm to my credit standing, I respectfully demand the following actions be taken within 15 days of receipt of this letter : Immediate deletion of the above-referenced inquiry from all credit reporting agencies.

Statutory damages in the amount of {$1000.00}, in accordance with 15 U.S.C. 1681n.

If this issue is not resolved promptly, and I am forced to pursue litigation, I will also seek actual damages stemming from the harm caused, which may include higher interest rates, denial of credit, emotional distress, and other related consequences. Additionally, I will pursue attorneys fees, court costs, and all related litigation expenses as permitted by law.

For your consideration, here is a conservative estimate of the litigation expenses your company may incur if legal proceedings become necessary : Estimated Litigation Costs : Item Estimated Cost Attorney Fees ( FCRA Specialist, 2025 hours ) {$6000.00} {$8000.00} Federal Court Filing Fees {$400.00} {$500.00} Process Server & Document Delivery {$150.00} {$300.00} Discovery, Depositions, and Subpoenas {$1000.00} {$2500.00} Expert Witness/Report ( if required ) {$1500.00} {$3500.00} Travel, Time, and Administrative Costs {$500.00} {$1000.00} Total Estimated Litigation Cost {$9500.00} {$15000.00} To resolve this matter amicably and avoid these unnecessary costs, I am willing to sign a settlement agreement. Your company will not be required to admit any wrongdoing if this is handled within the time frame provided. 

Please respond in writing to the contact information above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: WI

Complaint narrative:
I had been mailed a letter from XXXX XXXX that I thought was a scam and fraud. It said they were selling my LOANS TO XXXX XXXX OF TEXAS. I went there and told them that I have a unsecured line of credit on one checking account for {$8100.00} and one for {$5000.00} on the other -- -- -- NO LOANS -- -ever and have never used this line of credit for the past 40 yeares. Since then week of XXXX -- XXXX -- 2025 -- I have spent over 5 hours at the bank with them and 7 hours on the phone. I must have saved the thirty letter from XXXX XXXX XXXX and XXXX XXXX about I have to Mail my payments to Texas and the fees for late payments are {$25.00} each month from XXXX2025 and if I dont agree with the payment way My Credit score will drop and keep dropping!!!! IT HAS DROPPED XXXX POINTS SINCE THE TAKEOVER BY XXXX XXXX. I have called and seen the manager at the bank because -- -- -- I DO NOT HAVE A LOAN AND DID NOT USE THE LOC EVER AND WILL NOT MAKE LATE PAYMENTS ON A LOAN THAT XXXX HAD AND NOW XXXX XXXX WANTS ME TO PAY!!!!! NOW THE LAS TIME I CONTACTED THE BANK THEY TOLD ME THE REASON MY CREDIT SCORE DROPPED SO XXXX XXXX XXXX CAN CHARGE A HIGHER INTEREST RATE TO ME IF I WANT A LOAN, Now can you teill me that a bank can report a problem with your CREDIT RATEING that does not exsist and never has to lower your rateing and higher your interest rate when you might want a loan!!!! I CONSIDER THIS A SCAM AND FRAUD AGAINST A CONSUMER -- -- -- PLEAS TELL ME NOT SO!!!!!

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 2025-05-21 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief