vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing as a concerned consumer regarding several recent hard inquiries that have appeared on my credit report. Upon careful review, I noticed multiple entries that I do not recognize and did not authorize. I am requesting a thorough review and removal of the following inquiries, which I believe were made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 
Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX As outlined in the FCRA, a consumer reporting agency may only release a credit report if there is a valid and certified permissible purpose. In these cases, I have no record of any such authorized credit activity, applications, or business relationships with the companies listed above.

I respectfully request that these inquiries be removed from my credit report as they appear to be unauthorized and are negatively impacting my credit profile. Additionally, I request confirmation once the removals have been completed.

Please consider this letter as my formal dispute and request under FCRA 611 ( 15 U.S.C. 1681i ). I appreciate your attention to this matter and look forward to a prompt resolution within the timeframe provided under federal law.

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 2025-04-30 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-30 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: IN

Complaint narrative:
Inquires on my Experian credit report dated XX/XX/year> XXXX XXXX XXXX I did not authorize this inquiry its fraud, XXXX XXXX I did not authorize this inquiry, nor XXXX XXXX all these inquiries should be deleted immediately.

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account as soon as possible from my report or I will have to take legal action!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have requested a copy of the purchase agreement/ forward flow agreement they stated they do not have to comply under XXXX XXXX XXXX XXXX I can request this and denial is a violation. This is reporting on my credit report and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nTo Whom This May Concern, \nThis letter is a formal complaint that you are reporting completely inaccurate \nand misleading information on my credit report. This inaccurate information is \nnot only stopping me from obtaining credit, it is damaging my financial well\nbeing and seriously hurting my character. \nEnclosed with this letter are the details of the account in dispute, with all of my \npersonal information to verify my identity to help expedite this process. \nBy provisions of 15 US section 1681i of the Fair Credit Reporting Act, these \nitems need to be investigated. Please provide me with proof of these items, \nspecifically the contract bearing my signature. Failing that, please update \nthe record to show as PAID IN FULL/AS AGREED or REMOVE this item from \nmy credit report as soon as possible. This is a very serious matter affecting \nmy everyday life. \nThe outlined item is completely inaccurate and a very serious error in \nreporting. Please update this information: \nAccount Name: XXXX XXXX   \nAccount Number: XXXX XXXXnThis account is listed as a collection/charged off account on my credit report \nbut I have never received a 1099C for this charged off debt. Can you please \nprovide me with a 1099C to accurately reflect this as a charge off for tax \npurposes and please update my credit report accordingly or delete \nimmediately. \nPursuant to 15 US section 1681i (6) (A) of the Fair Credit Reporting Act, \nplease provide me with the description of the procedure used to determine the \naccuracy and completeness of the information, to be provided within 15 days \nof the completion of your investigation. \nI appreciate your prompt attention to this matter as these may seem like small \nreporting errors to you but they are serious offenses on my report when it is \ntime to purchase a home for my family, a vehicle, look for a business loan or \neven to obtain employment. Please consider expediting this process for me. \nThank you. \nSincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nTo Whom This May Concern, \nThis letter is a formal complaint that you are reporting completely inaccurate \nand misleading information on my credit report. This inaccurate information is \nnot only stopping me from obtaining credit, it is damaging my financial well\nbeing and seriously hurting my character. \nEnclosed with this letter are the details of the account in dispute, with all of my \npersonal information to verify my identity to help expedite this process. \nBy provisions of 15 US section 1681i of the Fair Credit Reporting Act, these \nitems need to be investigated. Please provide me with proof of these items, \nspecifically the contract bearing my signature. Failing that, please update \nthe record to show as PAID IN FULL/AS AGREED or REMOVE this item from \nmy credit report as soon as possible. This is a very serious matter affecting \nmy everyday life. \nThe outlined item is completely inaccurate and a very serious error in \nreporting. Please update this information: \nAccount Name: XXXX XXXX   \nAccount Number: XXXX XXXXnThis account is listed as a collection/charged off account on my credit report \nbut I have never received a 1099C for this charged off debt. Can you please \nprovide me with a 1099C to accurately reflect this as a charge off for tax \npurposes and please update my credit report accordingly or delete \nimmediately. \nPursuant to 15 US section 1681i (6) (A) of the Fair Credit Reporting Act, \nplease provide me with the description of the procedure used to determine the \naccuracy and completeness of the information, to be provided within 15 days \nof the completion of your investigation. \nI appreciate your prompt attention to this matter as these may seem like small \nreporting errors to you but they are serious offenses on my report when it is \ntime to purchase a home for my family, a vehicle, look for a business loan or \neven to obtain employment. Please consider expediting this process for me. \nThank you. \nSincerely, 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Inaccurate information. Only 30 days shown. Not given bank statements or transactions since accounts were first established. Only given last 30 days Not my responsibility if information isn't provided and I'm unable to dispute fraudulent transactions on my accounts. Because collections is withholding and refusing to find the transactions given for each account. 

Also contact me after Cease and Desist letters were clearly sent by mail. In writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
Transunion is reporting a third party collections account that does not belong to me from XXXX XXXX  XXXX. Third party collections violate the following : FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). This section of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information. As the collection account is inaccurate and unverifiable, I request that it be removed from my credit report immediately. XXXX XXXX  XXXX could not provide verification within 15 days when requested, therefore it must be deleted. FCRA 605 ( 15 U.S.C. 1681c ) * * : According to this section, negative information such as collection accounts must be removed from a credit report. FDCPA 807 ( 15 U.S.C. 1692e ) * * : The * * Fair Debt Collection Practices Act * * prohibits the reporting of false or misleading information by debt collectors. Since there are inaccuracies, I demand its immediate deletion under this provision. This account is attached to an address that is not mine nor is it verifiable which is a violation of 15 USC 1681. Unverifiable Debt : Since the credit reporting agency and the collection agency can not provide valid documentation and proof of this debt as required by * * FCRA 623 ( 15 U.S.C. 1681s-2 ) * *, it must be removed from my credit report. Creditors and collectors are legally obligated to report accurate information, and failure to verify the account should result in its deletion. Furthermore, under 15 USC 1692g debt collectors must validate debt. If they can not its NOT enforceable. As shown, the debt collector could not provide validation. I am also enforcing my rights through UCC 3-501 by demanding proof of debt through the original contract with XXXX XXXX  XXXX XXXX I also want an itemized statement of my debt under secured transactions law according to UCC 9-210. 
XXXX XXXX  XXXX has no validation or billing explanation has been provided, a clear violation of fair credit billing standards. - * * UCC 3-604 : * * Transunion is reporting a debt for which no contract or legal obligation exists with XXXX XXXX  XXXX XXXX and no lawful consideration was provided. - According to XXXX CFR XXXX all my bills are already paid. According to 18 USC 8 I don't have to pay the original creditor either. According to 12 CFR 202 all my bills are already paid. * * HJR-192/ Public Law 73-10 ( 1933 ) : * * The alleged debt is based on fiat, not lawful money, and no consideration was lawfully exchanged. - * * 20 USC 1087 : * * Transunion is assisting in the unlawful reporting of debt that is not valid.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
my Experian credit report includes multiple names that I have never used or authorized. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names are not mine and are likely the result of data entry or reporting errors by furnishers. I have requested that Experian investigate and remove these inaccurate name variations from my report, as they can lead to further misidentification and reporting errors. I submitted my formal request for name corrections

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 2025-04-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and XXXX all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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 2025-04-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and XXXX all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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 non-monetary relief
Consumer complaint received 2025-04-29 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: VA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX XXXX XXXXXXXX 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