vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: OH

Complaint narrative:
I am filing a complaint about multiple hard inquiries that appear on my credit report, which I did not authorize or consent to. I have no recollection of applying for credit or giving permission for these companies to access my credit file. 

Inquiries in question : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Hello, I reached out to AmSher Compassionate Collections today XX/XX/2025 to resolve a debt with XXXX of {$2000.00} $ I reached out to see what my options were so far as resolving my debt I wanted to lay in increments but the supervisor I spoke with today was very rude! He wasnt trying to help me and he made me think as though I would have to settle my debt today! Because if I called back next month I wouldnt have any other options I told him I can pay half of the debt next Friday and then I can pay again in XXXX to pay off my debt, now Im kind of skeptical because I dont know if these people will hold their end of the bargain the other reason Im even reaching out to begin with, is because I want this off of my credit score they said they do courtesy deletions but I dont know since I was treated this way Im scared to even pay my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX, MN XXXX ACCT # XXXX XXXX : {$460.00} XXXX XXXX XXXX : Address : XXXX XXXX XXXX XXXX, DE XXXX ACCT # XXXX XXXX : {$2600.00} You are required to do what I am asking and block these transactions from being reported on my consumer report within XXXX days from the date of receipt of this notice. I look forward to your response. 
Thank You, 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm is reporting on my XXXX credit report as having late payments I explained to them that my husband had had a XXXX XXXX and was out of a job for XXXX months I paid it as soon as I could I have been doing the best I can I asked if they could remove the late payment on my credit report never got any information back from them I am asking you to please help me we have been going through a rough time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted multiple formal disputes to TransUnion in XXXX and XXXX, clearly identifying inaccurate and unverifiable accounts on my credit report. These disputes were sent via certified mail with supporting documentation. I requested a full reinvestigation in accordance with XXXX XXXX XXXX and demanded proof that the accounts were accurately reported under XXXX XXXX XXXX ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

TransUnion failed to provide documentation to substantiate the accuracy of the disputed information. Instead, they verified the items without validating the data with actual evidence ( such as original contracts or signed agreements ). No copies of verifiable documents were provided, which makes the reporting of these accounts unverifiable and in violation of federal law. 

This is my third dispute round, and the inaccurate accounts remain on my report. TransUnion has ignored XXXX XXXX compliance guidelines, refused to conduct a good-faith reinvestigation, and is willfully violating my rights under the Fair Credit Reporting Act. These accounts are causing material harm, including credit denials and financial loss. 

Since TransUnion has failed to demonstrate the ability to validate the disputed information or follow reasonable procedures, I am requesting the immediate deletion of all inaccurate and unverifiable accounts. Their continued reporting violates both federal law and CFPB guidance for consumer protection.

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 2025-07-16 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: IL

Complaint narrative:
Please assist me in launching an investigation into these accounts, as they are reflecting incorrect information on my credit report. In accordance with XXXX XXXX, I am submitting a formal request for their removal within XXXX days. Ive enclosed the relevant documents for your consideration. It is also important to note that the account data is inconsistent and inaccurate across the different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, my sister attempted to send me a payment via XXXX, which was unexpectedly returned. Shortly afterward, I tried to access my account and make a purchase using my debit card, only to find that it had been declined. 

I immediately contacted Chase Bank, where a representative informed me that the bank had sent notice in XXXX XXXX mailstating that all of my accounts would be closed. However, I never received any such communication. The only correspondence I did receive was in XX/XX/year>, stating that my savings account ending in XXXX would be closed due to a XXXX balance. That letter made no mention of my remaining checking or savings accounts. 

The representative I spoke with on XX/XX/XXXX informed me that the final decision to close my accounts had been made in XXXX, and that XX/XX/XXXX was the last day I could access my funds. Had I been made aware of this, I would have promptly withdrawn the {$3600.00} from my checking account. Instead, I was told that a cashier 's check would be issued, which could take up to XXXX business days to arrive. In the meantime, Ive been left without access to any moneyfor food, gas, bills, or other essential living expenses. 

Following that call, I visited a nearby Chase branch on XX/XX/XXXX, as advised by a representative from the " fraud department, '' who stated that it was up to the branchs discretion to release any of my funds. Unfortunately, the branch declined to do so. 

This has left me in an extremely vulnerable and distressing situation. Ive had no fraudulent activity or misuse on my accounts, yet Chase refuses to provide the reasoning behind the boards decision to end our banking relationship, citing only that a decision was made. 

Is it fair or ethical to sever a banking relationship without direct communicationand then withhold the customers own funds? The lack of transparency and support Ive received has been deeply troubling and has placed a serious strain on my ability to meet basic needs. No consumer should have to endure this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : METHOD OF VERIFICATION REQUEST Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the agency is required to conduct a reasonable reinvestigation of my dispute and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days as per federal law.

Subsequently the agency reported that the account was verified as accurate.

I am now exercising my right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) to demand that you disclose : 1 ) The method you used to verify this information ; 2 ) The name, address, and phone number of the furnisher of the information with whom you verified the account.

Please provide this information in writing within 15 calendar days from the date of your receipt of this letter. 

Relevant Law 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires the credit reporting agency to provide the consumer with a description of the procedure used to determine the accuracy and completeness of the disputed information, including the name, address, and telephone number of any furnisher of information contacted in connection with such information.

Failure to provide this information, or to have conducted a reasonable investigation, violates your obligations under the FCRA and exposes you to liability under 15 U.S.C. 1681n and 1681o for statutory damages, actual damages, costs, and attorneys fees. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must go beyond merely parroting the information provided by the furnisher ; they must perform a reasonable investigation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The FCRA requires a reasonable investigation ; a superficial review may expose the credit bureau to liability. 

If you fail to respond or provide the requested information, I will consider further legal action to enforce my rights under federal law. 
I look forward to your prompt written reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently discovered that I was a victim of identity theft

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 2025-07-16 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
While reviewing my Experian credit report, I noticed four hard inquiries that were made without my knowledge or permission. These include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never applied for credit with these companies, and I did not authorize them to access my credit file. Under the FCRA, 15 USC 1681b, a consumer report may only be accessed with a valid permissible purpose and with the consumer 's consent. These inquiries were made unlawfully and without my authorization, which is a violation of my federal rights. This is similar to XXXX v Experian, where the court ruled that unauthorized credit pulls without a valid purpose violate the FCRA. These inquiries were made without my consent or any legitimate reason. I'm demanding immediate deletion.

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 2025-07-16 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: CA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-16 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: CA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
EXETER XXXX XXXX XXXX XXXX THESE ACCOUNTS ARE FRAUDULENT AND I HAVE NO knowledge OF CONSENTING TO OPEN THESE ACCOUNTS. I AM AN VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation