vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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 am filing this formal complaint against Experian for continuing to report an inaccurate and fraudulent collection account from XXXX XXXX XXXX, account ending in XXXX. I have previously sent XXXX a cease and desist letter ( dated XX/XX/XXXX ) and disputed this account directly with Experian without resolution. This account does not belong to me. It is the result of identity theft. I filed an FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ), listing this account among others that were opened fraudulently. Despite this, Experian continues to report this account as an open collection, which is a clear violation of the Fair Credit Reporting Act. The same account has already been removed from my TransUnion credit file, and I am now demanding its immediate deletion from Experian as well. I have submitted multiple pieces of documentation including my ID, address verification, FTC report, and the original cease and desist letter. 
I am now filing this complaint because Experian has failed to conduct a reasonable investigation or provide any documentation to validate the reporting. This inaccurate entry is harming my credit score and my ability to move forward financially.

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 2025-06-18 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: MO

Complaint narrative:
This letter serves as my formal demand for immediate deletion of unverified, inaccurate, and unauthorized inquiries currently reported on my credit file. You have failed to meet your legal obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Metro 2 Compliance standards governed by the CDIA, and applicable civil rights protections.

You are reporting inquiries and accounts that you can not certify with permissible purpose or my written authorization. Under 15 U.S.C. 1681b ( a ), no entity may access or furnish my consumer report without a permissible purpose. Under 15 U.S.C. 1681c and 1681s-2, your agency has furnished and maintained these inquiries without my consent, constituting willful non-compliance and violations subject to civil liability under 15 U.S.C. 1681n ( b ) ( 2 ).

You are further on notice that Metro 2 guidelines require all data furnishers to maintain 100 % accuracy, integrity, and completeness. Any deviation from this standard compromises the data integrity and violates both Metro 2 CRRG guidelines and the FCRA. 

I did not authorize the following inquiries and they were not initiated by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 For each of the inquiries listed, you are required by law to produce : A copy of my written authorization bearing my signature Documentation verifying permissible purpose under 15 U.S.C. 1681b Full compliance with Metro 2 reporting standards Absent your ability to fully verify authorization with concrete evidence, you are required to DELETE these items from my credit file immediately.

Failure to comply constitutes willful non-compliance under 15 U.S.C. 1681n, exposing you to civil liability, actual damages, punitive damages, and attorney 's fees. 

You are hereby instructed to : DELETE all inquiries and unverifiable information listed above. 

Provide written confirmation of deletions within 15 days. 

Mail updated copies of my credit report reflecting the deletions. 

I have also filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX XXXX XXXX regarding your failure to comply with federal law. 

This is your final opportunity to resolve this matter amicably. Govern yourselves accordingly.

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 2025-06-18 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: MO

Complaint narrative:
This letter serves as my formal demand for immediate deletion of unverified, inaccurate, and unauthorized inquiries currently reported on my credit file. You have failed to meet your legal obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Metro 2 Compliance standards governed by the CDIA, and applicable civil rights protections.

You are reporting inquiries and accounts that you can not certify with permissible purpose or my written authorization. Under 15 U.S.C. 1681b ( a ), no entity may access or furnish my consumer report without a permissible purpose. Under 15 U.S.C. 1681c and 1681s-2, your agency has furnished and maintained these inquiries without my consent, constituting willful non-compliance and violations subject to civil liability under 15 U.S.C. 1681n ( b ) ( 2 ).

You are further on notice that Metro 2 guidelines require all data furnishers to maintain 100 % accuracy, integrity, and completeness. Any deviation from this standard compromises the data integrity and violates both Metro 2 CRRG guidelines and the FCRA. 

I did not authorize the following inquiries and they were not initiated by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 For each of the inquiries listed, you are required by law to produce : A copy of my written authorization bearing my signature Documentation verifying permissible purpose under 15 U.S.C. 1681b Full compliance with Metro 2 reporting standards Absent your ability to fully verify authorization with concrete evidence, you are required to DELETE these items from my credit file immediately.

Failure to comply constitutes willful non-compliance under 15 U.S.C. 1681n, exposing you to civil liability, actual damages, punitive damages, and attorney 's fees. 

You are hereby instructed to : DELETE all inquiries and unverifiable information listed above. 

Provide written confirmation of deletions within 15 days. 

Mail updated copies of my credit report reflecting the deletions. 

I have also filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX XXXX XXXX regarding your failure to comply with federal law. 

This is your final opportunity to resolve this matter amicably. Govern yourselves accordingly.

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 2025-06-18 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: DC

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 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 2025-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Received a call yesterday XX/XX/year> I couldnt answer. Received another call today and all I was told is this is XXXX from XXXX XXXX about a business matter. Asked to confirm my date of birth and entire social security number. When I asked what this was about she would only say a business matter. I got frustrated and she hung up on me. I called back and got another person who did the same thing. I was clearly upset and annoyed so I called back again to finally get someone that was willing to at least not give out personal information and tell me what the business matter was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ 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 2025-06-18 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX, the vehicle was hit in a collision in the rear causing it to be not drivable at the scene. It was impound and handled poorly by my XXXX XXXX. They picked up vehicle from the impoundment and took it to collision repair in XXXX, Fl. where it remained until Exeter Finance picked it up in XX/XX/XXXX. However, Exeter Finance sent me a letter notifying that the vehicle was totaled in XX/XX/XXXX. I was just waiting for the final response from the collision place. 

I did not get any notification from Exeter that they were picking up the car. I was made aware of this from the collision repair shop after months of them attempting to restore the vehicle. I knew from this long period, that the vehicle was not going to be safe to drive. I chose to wait until their final report. Exeter Finance picking up vehicle in XX/XX/XXXX, confirmed to me that it was damage beyond the allowed repair. However when I contacted them they said they will planning to auction the vehicle and I will be billed the remaining balance? 
I disputed this because I was already notified by them the vehicle was totaled. Exeter, XXXX XXXX. and collision repair shop, all were at fault in keeping the car for months, finding more damages than what was first estimated, the final estimate approaching XXXX. 
I also received the value of the car after the accident as being XXXX. 

In XXXX of XXXX, Exeter Finance sent me a email offer to pay 0.1 % on the XXXX. I first ignored it knowing it was because I was disputing their report on my credit bureaus. But I decided to called them today about it and spoke with their Escalation manager and Upper Manager to take care of this matter and to get it off my credit bureaus. They both claim it was XXXX XXXX not the XXXX XXXX sent to my email on XX/XX/XXXX. This is not true! and is Exeter XXXX time sending me a letter that would have settle this debt, then choosing another route in an attempt to collect on a totaled vehicle. This is a unethical practice on their part. 
No expiration dates were given for the XXXX XXXX in XXXX. 

I told them that I want this matter to go to their legal department, they refused and told me to send a petition. I told them I would request instead a mediation with a government agency that will look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: SC

Complaint narrative:
I am a victim of XXXX  XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( 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 2025-06-18 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: OH

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

1681c-2 ) that you, the XXXX 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. 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 Address : XXXX XXXXXXXX XXXX XXXXXXXX OH XXXX INQUIRIES : XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-18 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:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on 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
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX CELL XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It Absolutely Concerns, RE : DEMAND FOR IMMEDIATE REMOVAL OF FALSE PAYMENT REPORTING This letter serves as a FINAL WARNING and DEMAND for the immediate deletion of fraudulent and inaccurate payment history associated with the account below : XXXX OPEN DATE XX/XX/XXXX XXXX OPEN DATE XX/XX/XXXX Let me make this absolutely clear : the reporting of missed or late payments is flat- out false, defamatory, and legally actionable. I have full documentation proving timely payment, and this reckless reporting is damaging my credit profile and by extension, my livelihood. It will not be tolerated. 
This is not a request. It is a legal demand. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to report only 100 % accurate, complete, and verifiable information. You have already violated that obligation. 
You now have 30 days from receipt of this letter to either : Provide full, itemized, documented verification of the alleged late/missing payment OR Delete the inaccurate information permanently and notify all reporting agencies of the correction If neither of these outcomes is met within the legal time frame, I will escalate without hesitation : A formal complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) A civil lawsuit will be initiated for credit defamation, willful negligence, and failure to comply with federal credit reporting laws I will pursue maximum statutory damages under FCRA Section 616 and 617 I am documenting this correspondence thoroughly. All further communications must be in writing. Any attempt to stall, obscure, or ignore this demand will be treated as bad faith and used against you in court.

This is your final opportunity to correct this before it becomes a far more costly issue for you. 
Sincerely, 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 2025-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
I went to make a purchase from XXXX, but my card declined. When I checked my funds, all my money were gone. There were XXXX charges on my card from my savings account ( which I don't understand ). Once for like {$50.00} then again for the rest which was about {$3500.00}. The bank basically told me they were having fraud problems that they couldn't tell which were real or not so they were NOT giving anyone their money back, even though I live in XXXX, Ga trying to make a transaction after someone stole my money from XXXXXXXX  I very well cant be in XXXX places at once. Told me it was a cyber attack and proceeded to close my account right after the fraud WITHOUT MY CONSENT OR KNOWLEDGE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ 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 2025-06-18 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXXXXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-06-18 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: WV

Complaint narrative:
I noticed an inquiry from XXXX XXXXXXXX on XX/XX/year> that was authorized or done 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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXXXXXX XXXXXXXX XXXX  Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX ( Open Date : Account # : Routing # :

Company response to consumer: Closed with explanation