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

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I noticed this problem XX/XX/year>. Hard inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/year>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 non-monetary relief
Consumer complaint received 2025-05-05 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I noticed this problem XX/XX/year>. Hard inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/year>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 2025-05-05 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: LCI Acquisition Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$9000.00} XXXX XXXX * * * * Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$20000.00} - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00}

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

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$9000.00} XXXX XXXX * * * * Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$20000.00} - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00}

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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I had 12 hard inquiries removed from Transunion, Equifax and Experian and I never received the points back to my credit score.

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I had 12 hard inquiries removed from Transunion, Equifax and Experian and I never received the points back to my credit score.

Please help

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 2025-05-05 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:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed accounts listed below, nor has you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ). 

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. 

Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings. 

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
My XXXX  credit report is reporting that my student loan balance is {$84000.00}. XXXX is reporting {$41000.00} for XX/XX/XXXX {$3600.00} for XX/XX/XXXX {$39000.00} for XX/XX/XXXX These balances are not accurate. I confirmed this by calling Ed Financial myself.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA : ( 15 U.S. Code 1681b ) 605B ( 15 U.S. Code 1681c2 ) The TransUnion credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of 1 Fraudulent Account. 

ACCOUNTS : XXXX XXXX Account number : XXXX Account opened : XXXX This account has resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by TransUnion which shows the aforementioned fraudulent items. I do not recognize the aforementioned account. The account appearing on my consumer credit report maintained by TransUnion were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 non-monetary relief
Consumer complaint received 2025-05-05 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
RE : CFPB Case 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  Open Company response is in progress as of XX/XX/year> Update XXXX XXXX XX/XX/year> : It has now been 33 days since XXXX XXXX XXXX XXXX XXXX Concora Credit Inc. changed their complaint statuses to In Progress XXXX XX/XX/year>. However, the company has failed to provide any response, explanation, or resolution. 

This prolonged delay violates the CFPBs 15-day response expectation and suggests either willful noncompliance or avoidance.

I am requesting immediate escalation, regulatory review, and public publishing of their failure to respond.

This delay is continuing to cause harm and anxiety related to an alleged debt that is not owed. I respectfully ask the CFPB to take further steps and investigate their pattern of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ). 

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings. 

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX, XXXX FINANCIAL SER XXXX

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

Complaint narrative:
noticed multiple credit inquiries on my credit report that I did not authorize or recognize. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries are only allowed with my explicit consent, usually in connection with a credit application I personally submitted. I have not applied for credit with these companies, and I never gave permission for them to access my credit report. 

These inquiries are negatively impacting my credit score and were added without my knowledge or approval. I contacted the credit bureaus and the companies responsible for these inquiries, but the issue remains unresolved. Im requesting that these inquiries be investigated and removed, as they violate my rights under the FCRA ( 15 U.S. Code 1681b ). 

I would appreciate your assistance in helping ensure that my credit report remains accurate and only reflects authorized activity.

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 2025-05-05 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: CA

Complaint narrative:
noticed multiple credit inquiries on my credit report that I did not authorize or recognize. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries are only allowed with my explicit consent, usually in connection with a credit application I personally submitted. I have not applied for credit with these companies, and I never gave permission for them to access my credit report. 

These inquiries are negatively impacting my credit score and were added without my knowledge or approval. I contacted the credit bureaus and the companies responsible for these inquiries, but the issue remains unresolved. Im requesting that these inquiries be investigated and removed, as they violate my rights under the FCRA ( 15 U.S. Code 1681b ). 

I would appreciate your assistance in helping ensure that my credit report remains accurate and only reflects authorized activity.

Company response to consumer: Closed with explanation