vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: CORELOGIC INC
State: CA

Complaint narrative:
CREDIT BUREAU DISPUTE LETTER ( UNAUTHORIZED ACCESS / NO PERMISSIBLE PURPOSE ) Your Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, ZIP : XXXX, CA XXXX Date of Birth ( optional ) : XX/XX/year> Last 4 digits of SSN : XXXX Date XXXX XXXX  To : Credit Reporting Agency ( XXXX XXXX XXXX XXXX XXXX ) RE : FORMAL DISPUTE UNAUTHORIZED CREDIT INQUIRY / ACCOUNT FCRA VIOLATION NO PERMISSIBLE PURPOSE IMMEDIATE REMOVAL DEMANDED To Whom It May Concern, I am writing to formally dispute inaccurate and unlawful information appearing on my consumer credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

An account and/or inquiry from : Company Name : XXXX INACCURATE INFORMATION is being reported without my written authorization, written consent, or lawful permissible purpose.

NOTICE OF LEGAL VIOLATION Under 15 U.S.C. 1681b ( Permissible Purpose ), a company may not access or furnish my consumer credit report without a valid purpose.

Under 15 U.S.C. 1681q, illegal access of a credit report under false pretenses may result in federal penalties.

Under 15 U.S.C. 1681n / 1681o, I am entitled to damages for willful or negligent violations of the FCRA.

At no time did I authorize this company to obtain or report my credit information.

FORMAL DEMAND I am demanding the following actions under FCRA 611 : 1. Immediate deletion of this inquiry or account.

2. Written proof of permissible purpose including : Original signed authorization Contract or application Timestamped access logs 3. Written confirmation of deletion sent to my address.

4. An updated credit report once corrected.

If you can not verify this item with legal documentation, it must be removed.

DEADLINE Under federal law, you are required to complete your investigation within 30 days.

Failure to remove unverified information constitutes a continued violation of federal credit law.

I am documenting this correspondence and preparing complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney General Civil Claims Court ( if necessary ) CERTIFICATION I certify that this dispute is accurate under penalty of perjury. 

Printed Name : XXXX XXXX XXXX Date : 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 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am disputing a false {$300.00} debt reported by Harris & Harris for XXXX service. 

I lived at XXXX XXXX XXXX XXXX XXXX XXXX, where service was active. I moved and contacted XXXX on XX/XX/year>, informing them that I had disconnected all equipment and requested immediate cancellation. They acknowledged the call but failed to cancel the account, causing false charges.

Now in my account I'm seeing where they have a previous balance of {$520.00} even when my account should be {$0.00} after paying last bill from XX/XX/XXXX to XX/XX/XXXX, i contacted them on XX/XX/XXXX before the next bill was due and asked for cancelation, they took off the equipment fee of {$220.00} But instead of closing the account they still went and charged me for services I didn't had which total {$300.00} I now receive mail at : XXXX XXXX XXXX, XXXX FL XXXX And I reside at XXXX XXXX XXXX XXXX, where XXXX  does not provide service.

I never received any statements, bills, or collection notices at either address. The debt was reported without communication, violating the FDCPA and FCRA.

I request full deletion of this false collection and a formal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
My name is XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
I am submitting this complaint because UNITED WHSLE MORT has repeatedly failed to provide any verification or documentation supporting a late payment they reported for XXXX, XXXX, XX/XX/XXXX on Account No. XXXX. I first disputed this information through the credit bureaus on XX/XX/XXXX, and sent a direct second notice to UNITED WHSLE MORT on XX/XX/XXXX. Despite these requests, UNITED WHSLE MORT has not provided a single record, billing statement, payment ledger, or investigation document to substantiate their verification of the alleged delinquency. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s2 ( b ), UNITED WHSLE MORT is required to conduct a reasonable investigation and must not continue furnishing information that is inaccurate or unverifiable. Their continued failure to provide evidence, respond adequately, or correct the inaccurate reporting demonstrates noncompliance with their statutory duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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 2025-12-03 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 am submitting a complaint against Equifax for reporting inaccurate and harmful late payment information on my credit file regarding two accounts : first, the account listed as XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$36000.00}, opened on XX/XX/XXXX, showing a Date Last Active of XX/XX/XXXX, and being reported as 30 days late in XX/XX/XXXX, which I dispute as incorrect, unverified, and inconsistent with my actual payment activity ; second, the account identified as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance, originally opened on XX/XX/XXXX and now closed, is also being reported with inaccurate or incomplete information, including missing or unclear activity dates and delinquency reporting that does not reflect my records, and because Equifax continues to report these items without proper verification or supporting documentation as required under the Fair Credit Reporting Act ( FCRA ), these inaccuracies have negatively impacted my creditworthiness, caused financial harm, and demonstrate Equifaxs failure to maintain complete and accurate records despite my attempts to resolve these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 have been a Victim of Data Breach the Following accounts are Are fraud due to it and I want the accounts inventive thoroughly and removed from my credit as I take my credit very serious and the accounts shouldn't be on my file. I have attached my FTC and Police report that I filed.

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 2025-12-03 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: IA

Complaint narrative:
On XX/XX/year> I purchased a XXXX from XXXX XXXX XXXX. Their finance department made hard credit inquiries to get the best rate for me. They were all done in a 24 hour time frame. The are legitimate inquiries but Experian reports that I have seven hard inquiries which they rate as poor however three were made on the same day for an auto loan and should only count singular which would reduce my hard inquiries from seven to four which would then rate as fair and not negatively impact my credit score. The inquiries are as follows Stew XXXX XXXX XXXX XX/XX/year>, XXXX XXXX, and Ally Financial 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 2025-12-03 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: CA

Complaint narrative:
I am reporting an unauthorized hard inquiry from XXXX XXXX XXXX ( XXXX ) and a fraudulent XXXX account showing on my TransUnion report. I did not apply for any credit with XXXX XXXX XXXX, and I did not open or authorize the XXXX account. I have already filed my FTC identity theft report and completed my sworn affidavit confirming these items were not initiated by 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 2025-12-03 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: CA

Complaint narrative:
I am reporting an unauthorized hard inquiry from XXXX XXXX XXXX ( XXXX ) and a fraudulent XXXX account showing on my TransUnion report. I did not apply for any credit with XXXX XXXX XXXX, and I did not open or authorize the XXXX account. I have already filed my FTC identity theft report and completed my sworn affidavit confirming these items were not initiated by 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 explanation
Consumer complaint received 2025-12-03 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: DC

Complaint narrative:
I am submitting to express my growing frustration and serious concern regarding the continued inaccuracies on my Equifax, TransUnion and Experian credit report. Despite submitting previous disputes, I have discovered that certain items remain inaccurately reported, unresolved, and unverifiable. This ongoing misreporting is unacceptable and continues to negatively affect my financial standing and creditworthiness. I am formally demanding that Equifax, TransUnion and Experian conduct a full, thorough reinvestigation of the following items and correct or update my credit file in accordance with FCRA 611 ( 15 U.S.C. 1681i procedures for disputing inaccurate information ), FCRA 623 ( a ) ( 2 ) duty of furnishers to correct and update, and FCRA 605 ( a ) prohibition on reporting obsolete information. 
XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$750.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-03 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:
This credit inquiry was never approved or authorized by me I did not speak with the lender on the stated date, nor did I agree to any credit check. Given that this was done without my permission, I kindly request that you promptly remove the inquiry from my credit report at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-12-03 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: NY

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
On XX/XX/year>, my XXXX mortgage servicer, XXXX XXXX XXXX XXXX my loss mitigation request without providing a written reason. The written denial only listed programs and marked me ineligible for all. By phone, they stated XXXX denial was due to a prior incomplete application, and my second application was treated as an appeal and denied. I have stable income, my hardship is resolved, and I requested a full review of all home-retention options and a written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX 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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: NY

Complaint narrative:
I am submitting this complaint because LOANCARE has repeatedly failed to provide any verification or documentation supporting a late payment they reported on Account No. XXXX. I first disputed this information through the credit bureaus on XX/XX/year>, and sent a direct second notice to LOANCARE on XX/XX/year>. Despite these requests, LOANCARE has not provided a single record, billing statement, payment ledger, or investigation document to substantiate their verification of the alleged delinquency. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s2 ( b ), LOANCARE is required to conduct a reasonable investigation and must not continue furnishing information that is inaccurate or unverifiable. Their continued failure to provide evidence, respond adequately, or correct the inaccurate reporting demonstrates noncompliance with their statutory duties.

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 2025-12-03 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late accounts : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$690.00} XXXX XXXX XXXX Balance : {$6600.00} Legal Basis : 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data.

15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information.

15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified.

Legal Precedent : In Cushman v. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors 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
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late accounts : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$690.00} XXXX XXXX XXXX Balance : {$6600.00} Legal Basis : 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data.

15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information.

15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified.

Legal Precedent : In Cushman v. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with non-monetary relief