vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a reference from case number : XXXX Subject : Formal Request for Deletion of Fraudulent Inquiries FCRA 605B & 611 Compliance To : Credit Bureau Name : TRANSUNION/EXPERIAN/EQUIFAX Attn XXXX Fraud Department / Consumer Relations Equifax XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian : XXXX XXXX XXXXXXXX, XXXX, TX XXXX TransUnion : XXXX XXXX XXXX XXXXXXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, TX XXXX SSN : * XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX via CFPB Case : XXXX Dear TRANSUNION, EQUIFAX, EXPERIAN, XXXX am writing to request the immediate removal of multiple unauthorized inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 605B, 604, and 611, as well as Metro 2 Reporting Standards.

The creditor ( s ) have confirmed in writing to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX that I XXXX have been a victim of fraud. This official acknowledgment establishes that these inquiries were not authorized by me and have no permissible purpose under FCRA 604 ( a ). 

Fraudulent Inquiries to be Deleted : Equifax : XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Per FCRA 605B ( b ) ( 1 ), once fraud is confirmed, you must block and delete any information resulting from that identity theft within four ( 4 ) business days of receiving this documentation.

Additionally, under Metro 2 Compliance, all data must accurately reflect verified, authorized consumer activity these inquiries fail that standard.

Requested Resolution : 1. Delete all unauthorized/fraudulent hard inquiries listed above.

2. Correct and verify that all identifying information matches the valid data below : Name : XXXX XXXX XXXX XXXX SSN : XXXX * Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX. Provide written confirmation once deletions and updates are complete.

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 2025-10-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Collection accounts appearing on my credit report seem to contain inaccurate details. In accordance with my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a detailed investigation of these accounts, and if accuracy can not be confirmed, they must be deleted.

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 2025-10-16 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-16 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, LA XXXX Incorrect CurrentAddress : - XXXX TWIN XXXX XXXX, XXXX, LA XXXX Listed below are the Collections that are being challenged CREDENCE RM - XXXX Listed below are the Inquiries that are being challenged CREDIT ACCEPTANCE - 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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am deeply disappointed that the credit report you sent me is inaccurate. As a company that is supposed to adhere to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I would have expected better from you. Your failure to comply with these standards has put me in a difficult position, and I am now forced to challenge the inaccuracies and deficiencies in your reporting. It is disheartening to think that the report you sent me was not properly formatted and lacked accurate information. The fact that you failed to adhere to the XXXX Consumer Reporting Reform Act guidelines is a serious matter, as it undermines the integrity of the data you provide. I urge you to take immediate action and make a document that shows all of the evidence and sends it to me, complete with verified sources. I expect only factually accurate, verified, and compliant data to be documented in my credit report. Any false accounts must be taken care of and any deviations from the standards rectified promptly. I am deeply disappointed that I have to go through this process, and I hope that you will take the necessary steps to fix this issue as soon as possible. If this issue is left unchecked, it will have severe financial implications for me in the future. 

JEFFCAPSYS - XXXX JEFFCAPSYS  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: VA

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under XXXX XXXXSC 1681e ( b ) and 15 USC 1681i, I have the right to a report that is factual and verifiable. I am asking for a thorough investigation of these items, and if they can not be confirmed as accurate, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, Eastern Revenue Inc. ( ERI ) began collecting a tuition balance that they claim was owed to XXXX University. The account was first reported to the credit bureaus showing a balance of {$11000.00}, which was later changed to {$8700.00} without any documentation explaining the difference. 

I disputed this account several times with both the credit bureaus and ERI. I requested validation of the debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). ERI only sent a short letter and a one-page Student Account History printout. These materials do not include any signed agreement, promissory note, or other legally binding document proving that I personally owe this balance or that ERI has the right to collect it. 

ERI also submitted a mailing certificate from XXXX, dated XX/XX/XXXX, that only proves a letter was mailedit does not validate the debt. Despite my repeated disputes, ERI continues to report the account to XXXX as an open collection with a past-due balance, simply labeling it disputed by consumer. 

Reporting and attempting to collect on an unvalidated and inconsistent balance is false and misleading under the FDCPA. These actions have caused repeated credit damage even though the company has failed to provide proof that the debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NV

Complaint narrative:
In accordance with 15 U.S. Code 1681g, please ensure timely deletion of the disputed items.

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 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: MO

Complaint narrative:
I requested that they quit taking money from my account. I changed my debit card and instructed them that I would pay at a later date. That I was having financial hardship. They ignored my request and continued taking money from my account. I blocked the merchant and they still were given access to my account. 

I revoked access and authorization. I requested to close my account they denied me this right. They took XXXX $ from me which I am chargingback. They are a predatory payday online program. 

They had no right to deny my revoking of their access to my accounts. What's more I changed my debit card to a different non use card of mine. They still got my new card and charged it. Be very wary of Dave inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX Funding Collection Account # XXXX I am filing this complaint against XXXX XXXX, LLC for inaccurate and unverifiable reporting of a collection account on my credit reports. 

XXXX XXXX is reporting inconsistent balance amounts and date information across the major credit bureaus, which violates FCRA 607 ( b ) requiring credit reporting agencies and furnishers to maintain maximum possible accuracy of reported information. 

In addition, LVNV Funding has failed to provide proper documentation verifying assignment, ownership, or itemization of the alleged debt, despite multiple requests. This failure to provide validation and verification violates FCRA 611 ( a ) and 623 ( a ) ( 3 ), which require furnishers to investigate and verify disputed information before continuing to report it. 

Because LVNV Funding has not produced any evidence establishing its legal right to collect or report this account, the debt is unverifiable under federal law. Reporting unverifiable or inaccurate information is a violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AL

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 XXXX 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 2025-10-16 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: FL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-16 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 dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I respectfully dispute any inaccurate or unsupported information in my credit report, adhering to the FCRA and XXXX XXXX reporting standards. Unsubstantiated claims of delinquency are unacceptable. Ensure factual and lawful reporting. Provide physical evidence or remove false allegations. Please mail documentation and an updated credit report. 
I express deep disappointment and frustration regarding the inclusion of false or undocumented details in my credit report. 
Unproven claims tarnish the integrity of the report. It is your duty, under federal and state laws, to accurately and completely report allegations, refraining from unlawful claims. I urge you to verify the accuracy of your reporting in accordance with the XXXX XXXX standards. Provide tangible evidence supporting the account 's existence and permissible usage. Failure to do so necessitates the removal of the account from the report. I authorize you to mail me physical documentation outlining your actions and an updated credit report.

MIDLAND CRED XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-16 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: CT

Complaint narrative:
Greetings, I am writing this letter in response to the accounts that are listed below. This is reflected on my credit record, and it is having a significant impact on me. Because I am a victim of identity theft and my information was hacked, these accounts are showing up on my credit report. I am a victim of identity theft. The fact that these accounts are not mine and that I should not be responsible or accountable for something that was opened up without my knowledge is the primary reason why they are having such a significant impact on 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 2025-10-16 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: CT

Complaint narrative:
Greetings, I am writing this letter in response to the accounts that are listed below. This is reflected on my credit record, and it is having a significant impact on me. Because I am a victim of identity theft and my information was hacked, these accounts are showing up on my credit report. I am a victim of identity theft. The fact that these accounts are not mine and that I should not be responsible or accountable for something that was opened up without my knowledge is the primary reason why they are having such a significant impact on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation