vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: WV

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!

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 2025-06-19 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-19 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-06-19 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c- that Experian , 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 DEPT OF ED XXXX XXXX which is now a collection account at XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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: MD

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX To Whom It May Concern, RE : Formal FCRA Dispute & Request for Deletion XXXX Date Reported : XX/XX/XXXX Balance : {$690.00} XXXX XXXX : {$500.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Status : Charge-Off Remarks : Profit and Loss Write-Off I am formally disputing the reporting of the above-referenced account under my rights pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ). I request an immediate reinvestigation and removal of this tradeline due to multiple reporting inconsistencies and non-compliance with Metro 2 data reporting standards.

Specific Issues Identified : 1. Incomplete Monthly Payment Field The monthly payment field reflects No Info, in direct violation of Metro 2 formatting. Even for closed or charged-off accounts, this field must be populated. This omission constitutes incomplete and materially misleading reporting, violating FCRA 1681e ( b ).

2. Improper Post-Closure Status Reporting Despite being closed on XX/XX/XXXX, the account continues to display ambiguous Warning indicators through XX/XX/XXXX. Once closed or charged off, the reporting should become static. This misleading activity implies ongoing delinquency and causes undue harm to my credit profile. 

3. Contradictory Payment History Metrics The claim that only 44 % of payments were made on time contradicts the actual late payment breakdown ( 130-day, 160-day, 390+ over three years ). This inconsistency misrepresents my payment behavior and fails to meet FCRA standards for accuracy.

4. Over-Limit Balance After Charge-Off A post-charge-off balance of {$690.00} on a {$500.00} credit line ( 138 % utilization ) suggests ongoing activity, which is misleading and noncompliant with Metro 2 guidelines for closed accounts.

5. Lack of Verifiable Documentation To date, no supporting documentation, signed agreements, or itemized statements have been provided to validate the accuracy of the reported data. All data furnished to consumer reporting agencies must be verifiable upon dispute, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have spoken with the company every week. I have told them my intended plans to pay and what has transpired. They call me every single day and tell me I have to talk to them. Then when I talked to to them and I am not telling them what they want to hear they jump to clean out the car we are coming to your job to get the car and they are calling my references. I have asked them not to contact them because I have been in constant contact with the company and they are still reaching out to other people. They lack professionalism and I have told them when to come get the car and they only respond with where is it, we are sending the tow truck over. They dont listen. I keep telling them Im not running but Im also not sitting XXXX XXXX XXXX  I work XXXX jobs now to get them their funds but their main concern is clean out the car because you dont have a plan. I told the man I talked to on Tuesday my plan he advised I can still be picked up and I said ok. I dont mind them calling and harassing me because I know Im behind but dont harass my family after Ive already spoken with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I am writing to formally dispute information on my credit report and request a thorough investigation into this matter. I have noticed an inaccurate/unauthorized charge ( or account ) reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I believe to be in error. 
Specifically, the issue involves these credit card companies removing my account without my consent, therefore ; it was no way for me to make my monthly payments on them. I am requesting verification of this information and correction or removal from my credit file if it can not be substantiated. This inaccurate reporting is negatively affecting my credit profile, and I respectfully request that the CFPB investigate this issue and ensure the creditor or furnisher complies with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and assistance in resolving this matter. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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:
I am formally disputing the accuracy, validity, and verifiability of the following information currently appearing on my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Metro 2 data reporting standards, you are required to maintain complete, factual, and verifiable information. The accounts, collections, inquiries, and personal information listed below are materially inaccurate, incomplete, or lack proper substantiation.

I demand that you conduct a full reinvestigation and provide physical, verifiable evidence including original source documentation and any signed agreements authorizing these accounts or inquiries. Failure to provide such documentation within 30 days constitutes a violation of the FCRA. In the absence of proper verification, I demand the permanent deletion of these items from my credit report. 

Personal Information Being Challenged : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX XXXX XXXX : XXXX Employer : XXXX XXXX Accounts Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The ongoing reporting of these inaccurate and unverified items constitutes willful noncompliance under 15 U.S.C. 1681n and 1681o. I expect full compliance with your legal obligations and demand deletion of all unverifiable data. Please mail me physical documentation of your investigation results and any updates made to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Texas Guaranteed
State: TX

Complaint narrative:
Account XXXX XXXX XXXX XXXXXXXX, I'm unaware of this debt and did not have the opportunity to dispute this account. Please provide " Certified Mail '' with a receipt displaying my signature. If not, please delete this account XXXXXXXX XXXX XXXX XXXXXXXX from my credit report as soon as possible, or I will be forced to take legal action. According to FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for damages caused by these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights 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 explanation
Consumer complaint received 2025-06-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX XXXX XXXX XXXX To : Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Hard Inquiry Dispute Dear [ Equifax / XXXX  / XXXX  ], I am writing to formally dispute certain hard inquiries listed on my credit report that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed from my credit file if they are found to be unauthorized. 

The following hard inquiries appear on my report without my knowledge or consent : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Reason for Dispute : Unauthorized XXXX XXXX XXXX Date of Inquiry : XXXXXXXX XXXX Reason for Dispute : Unauthorized XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Reason for Dispute : Unauthorized XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX  Reason for Dispute : Unauthorized * XXXXXXXX XXXX XXXX. Date of Inquiry : XXXX XXXX. Reason for Dispute : Unauthorized XXXX XXXX XXXX XXXX XXXX. Date of Inquiry : XXXX XXXX. Reason for Dispute : Unauthorized XXXX XXXXXXXX XXXX. Date of Inquiry : XXXX XXXX  Reason for Dispute : Unauthorized I have never applied for credit with these companies and did not authorize them to access my credit file. I suspect these may be the result of a data breach or unauthorized activity. Please conduct an investigation into these inquiries and provide me with the results. If you determine that the inquiries were not properly authorized, I request that they be removed from my credit report immediately. 

Enclosed are the following documents to verify my identity and address : A copy of my government-issued photo ID A recent utility bill or bank statement showing my name and current address Please respond to this dispute in writing and provide an updated copy of my credit report upon completion of your investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX XXXX  and Equifax to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
There are fraudulent accounts listed on my consumer profile due to identity theft and also from me being involved in the Equifax data breach. Debt collectors have reached out to me in reference to the debts knowing I am a victim of identity theft. I am in the process of trying to clean up this mess thieves have made with my personal information. Below are the accounts that are fraudulent : * XXXX XXXX XXXX {$660.00} * XXXX  XXXX XXXX XXXX {$730.00} * XXXX XXXX  acct # XXXX {$76000.00} * XXXX XXXX XXXX- {$1100.00}

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 explanation