vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
In XX/XX/year>, Experian reinserted two previously blocked fraudulent XXXX XXXX ( {$650.00} ) and XXXX XXXX XXXX  ( {$1800.00} ) into my credit report without providing written notice or any legal documentation. These accounts were originally blocked due to identity theft under FCRA 605B. Experian did not notify me within 5 business days as required by law, nor did they validate the reinsertion with original signed agreements, proof of debt, or evidence of misrepresentation. This violates FCRA 1681c-2 ( d ), 1681e ( b ), and 1681s-2 ( b ). I have never authorized these accounts, and no verification has been provided.

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 2025-06-27 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and misleading information that XXXX is continuing to report to the consumer credit reporting agencies in connection with XXXX XXXX  account. 
XXXX institution has placed a remark on my credit report indicating that this account is a charge-off or otherwise negative account. However, the account in question has already been deemed a profit and loss ( P & L ) account by they own reporting and has also been reported to the Internal Revenue Service ( IRS ) as such, for tax purposes. 

Despite this, chase continues to update and report this account monthly, which is misleading and inaccurately reflects the status of the account. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 : This section prohibits the furnishing of inaccurate information to credit reporting agencies.

15 U.S.C. 1681e ( b ) : This section requires that all information reported to credit bureaus be accurate and up to date. 

Reporting an account that has been charged off and reported to the IRS as a profit and loss yet still being updated monthly creates a false representation of the status of the account and causes ongoing harm to my credit profile. 

I request that chase immediately cease the monthly updates on this account, correct the reporting with all credit reporting agencies to reflect the accurate status of the account, and provide confirmation in writing that these actions have been taken. If you continue to furnish inaccurate information, I will seek to recover damages due to your negligence to comply with the FCRA Please treat this letter as a formal dispute under the FCRA, and respond within the required 30-day period.

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 2025-06-27 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had a balance transfer expiring on XX/XX/XXXX with a balance of {$5300.00}. I paid {$5500.00} on XX/XX/XXXX but instead of applying it to the expiring balance transfer they applied it to a balance transfer that doesn't expire for 14 months thereby forcing 23 % interest on me for the past 4 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
REPORTING INFORMATION ON A CONSUMER 'S CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I DID NOT GIVE ANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER REPORT BECAUSE MY PRIVACY RIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE INQUIRIES FROM MY CONSUMER REPORT NOLATER THAN 4 BUSINESS DAYS AFTER SUCH INFORMATION I'VE PROVIDED. INQUIRIES : XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank canceled my XXXX  card without providing any notice or explanation. I only discovered the cancellation when my card was declined while paying for groceries, which was XXXX  and XXXX. I received no email, text, app alert or letter beforehand. When I visited a full service branch to resolve the issue I was told I would need to wait XXXX business days to access my funds via XXXX  card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

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

1681c-2 ) that you, the Equifax Information XXXX , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 122 Daytona XXXX, Florida XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : Experian, P.O. XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute and Fraud Claim for Unauthorized Hard Inquiries Pursuant to FCRA 604, 609 ( a ) ( 1 ), 611, 1681c-2, 1681s-2 ( b ) Dear : Experian, I am writing to formally dispute and request the immediate deletion of unauthorized hard inquiries that have been reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 604, 609 ( a ) ( 1 ), 611, 1681c-2, and 1681s-2 ( b ), I assert that the following inquiries are fraudulent and were made without my authorization, permission, or permissible purpose : XXXX. XXXX ( XXXX and XXXX ) XX/XX/year> XXXX. XXXX XXXX ( XXXX ) XX/XX/year> XXXX. XXXX XXXX ( XXXX ) XX/XX/year> XXXX. XXXX ( XXXX ) XX/XX/year> XXXX. XXXX XXXX ( XXXX ) XX/XX/year> XXXX. XXXX CA ( XXXX ) XX/XX/year> XXXX. XXXX XXXX ( XXXX ) XX/XX/year> XXXX. XXXX XXXX ( Finance ) XX/XX/year> FCRA 604 requires that a credit reporting agency furnish a consumer report only when there is a permissible purpose. I did not grant any authorization for these entities to access my credit file ; therefore, they lack a permissible purpose.

FCRA 609 ( a ) ( 1 ) gives me the right to request all information in my file. I formally request that you provide me with copies of any documentation bearing my signature that authorizes each of these inquiries.

FCRA 611 and 1681c-2 entitle me to dispute information believed to be fraudulent or inaccurate, and to have such information blocked from my file if it results from identity theft or unauthorized use. 

FCRA 1681s-2 ( b ) requires that you, upon receiving notice of this dispute, conduct a reasonable investigation, delete or correct any unverifiable or inaccurate information, and inform me of the results in writing within 30 days. 

If you can not provide documentation verifying that I authorized these hard inquiries, I demand that they be permanently deleted from my credit report immediately. 

Please send me written confirmation once these inquiries have been removed. I expect a prompt resolution within the statutory time frame. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida 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 2025-06-27 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: MS

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
My father passed away in XX/XX/XXXX and I am an Heir and the current Administrator over the Estate. On XX/XX/XXXX, my attorney submitted a completed Application for Loan Assumption to Gateway Mortgage as a " Successor in Interest '' ; however, the mortgage attorney ( XXXX XXXX, XXXX, XXXX ) continues to focus on Foreclosure. Myself, as well as my attorney, have expressed multiple times for over a year, that I intend to assume the loan and thereafter bring loan current once Judge approves for me to proceed with acquiring property. The Probate Judge finally approved on XX/XX/XXXX, same day I submitted application. It has been 35 days now and the mortgage attorney continues to proceed with foreclosure, instead of processing my Application for Loan Assumption. This goes against current law allowing for a heir who is a Successor in Interest be able to assume a mortgage loan to keep property within the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

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

1681c-2 ) that you, the Experian Credit XXXX  , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-27 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: CA

Complaint narrative:
I'm contacting you with urgency regarding an account listed on my credit report that I did not authorize, open, or consent to in any way. This account represents a clear and unlawful use of my personal identity and information. Let me be absolutely clear : this is a case of identity theft, and I am demanding that this account be immediately deleted from my credit file. 

I have never had any involvement with this account, nor have I given anyone permission to open it in my name. Its presence on my credit report is not only falseits damaging, unlawful, and in direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-27 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$1200.00}, XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$57.00} XXXX XXXX {$270.00} THE XXXX XXXX XXXX XXXX XXXXXXXX {$480.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-06-27 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$1200.00}, XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$57.00} XXXX XXXX {$270.00} THE XXXX XXXX XXXX XXXX XXXXXXXX {$480.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: OK

Complaint narrative:
Discover is reporting a {$580.00} balance on a closed account with a {$400.00} limit and listing XXXX day late payments even after it was closed on XX/XX/XXXX and marked as a charge-off. I sent a written dispute on XX/XX/XXXX requesting correction and compliance with the FCRA. I asked for confirmation of the correct balance, clarification on late payments post-closure, and an accurate update to the account status. They received the letter but never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
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 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