vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed multiple inaccurate and unverifiable accounts on my TransUnion credit report over the past few months. I first submitted my dispute on XX/XX/year>, and despite sending follow-ups, TransUnion has failed to correct or delete the errors. They have also not provided any verification or proof to support the disputed accounts. 

I have disputed the following issues : Unauthorized hard inquiries that I never consented to, violating FCRA 15 U.S.C. 1681b.

Despite multiple dispute rounds, TransUnion has failed to provide verification or remove the disputed items, as required under FCRA 15 U.S.C. 1681i ( a ). Their failure to comply is negatively impacting my credit score and financial well-being. 

I have now submitted this complaint to the CFPB because TransUnion is not taking corrective action as required by law. I expect them to resolve this issue immediately by either verifying the accounts with proper documentation or permanently removing them from 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 2025-03-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX credit card Account number : XXXX Date reported : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


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 2025-03-30 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Subject : Unauthorized Inquiry on My Consumer Report Demand for Removal and Compensation To Whom It May Concern, I am writing to formally dispute the unauthorized hard inquiry made by XXXX XXXX  on my consumer report dated XX/XX/XXXX. This inquiry was made without my authorization and is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, which strictly limits who can access my consumer report and under what circumstances.

Since I never applied for credit with your institution, you lacked a permissible purpose to obtain my report. As such, I demand the following : Immediate removal of the unauthorized inquiry from all consumer reporting agencies.

Payment of {$1000.00} in statutory damages, as permitted under the FCRA for violations of this nature.

To resolve this matter amicably, I am willing to sign an agreement stating that your client does not have to admit to any wrongdoing in exchange for compliance with my demands. However, if this issue is not resolved promptly, I will be left with no choice but to escalate this matter through legal proceedings. Should litigation become necessary, I will also seek actual damages, including but not limited to : Estimated Litigation Costs Filing Fees : {$400.00} Attorney Consultation Fees : {$500.00} - {$1500.00} Court Costs and Administrative Fees : {$300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Expert Witness Fees ( if necessary ) : $ XXXX Time Spent on Litigation ( at a reasonable hourly rate ) : XXXX XXXX  Emotional Distress & Reputational Damage Compensation : XXXX  As you can see, litigation will be costly and time-consuming. It is in your best interest to resolve this matter swiftly by removing the unauthorized inquiry and compensating me accordingly. 
Please confirm in writing within 10 days of receipt of this letter that the unauthorized inquiry has been removed and that you will be issuing the {$1000.00} payment. If I do not receive a satisfactory response, I will proceed accordingly. 

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 2025-03-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i am a victim of data breach and identity theft somebody stole my identity adn open up multiple accounts with out my knowlege or consent

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 Balance {$8.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$3400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$680.00} Open Date XX/XX/XXXXXXXX XXXX XXXX A Balance {$630.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$490.00} Open Date XX/XX/XXXX XXXX & XXXX Balance {$450.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Balance {$430.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XXXX XXXX, XXXX inquiries XXXX XXXX XXXX Date XXXXXXXX XXXX XXXX XXXX XXXX VIA DEALER Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
At least XXXX  years ago or more I spoke to someone over the phone and as it turns out the company obtained my information without my consent. I have never worked with this company or signed any agreements for loans.

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 2025-03-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report from [ Experian/XXXX XXXX XXXX I noticed that [ XXXX XXXX XXXX XXXX XXXX XXXX accessed my credit report on XX/XX/year> and XX/XX/year> without my authorization. 

I did not apply for any financial product or service with your institution that would justify this inquiry. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries require explicit consumer authorization. Therefore, I request that you : If no valid authorization exists, immediately remove the unauthorized inquiry from my credit 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 2025-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXXXXXX Inquired on XXXX XXXX 2024 XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 2024 XXXX XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX XXXX Inquired on XXXX XXXX, 2024 XXXX XXXX XXXX  Inquired on XXXX XXXX 2024 XXXX XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX Inquired on XXXX XXXX, 2024 XXXX XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX XXXX XXXXXXXX  Inquired on XXXX XXXX 2024 XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX XXXX Inquired on XXXX XXXX, 2024 XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 2024 XXXX XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX XXXX Inquired on XXXX XXXX, 2024 XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX Inquired on XXXX XXXX 2023 XXXX XXXX Inquired on XXXX XXXX 2024 XXXX XXXX Inquired on XXXX XXXX, 2024 2024

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 2025-03-30 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: TX

Complaint narrative:
Recently i looked at copy of my credit report and noticed a several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these this item for me to ensure occuracy. 
Here is the item I am asking you to verify as accurate : 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 2025-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I took a loan lendmark quite a while ago it was {$4000.00}! I was making payments and then I was struggling just a little and they were helping me to make the payment get down! When I had a lot of personal things and family things happen and I sent the payment and didnt realize it it didnt go through and then I realized I had changed my bank account because someone tried to hack my other account! Only did they just change my debit card, but my actual bank account number and the routing number! This particular company to me does bad practice because I got the loan out on XXXX XXXXXXXX XXXX. in XXXX XXXXXXXX and then I didnt even know what they sent mine over to another part of XXXX XXXXXXXX , which is not even close to my house and I had no clue that the other Lendmark had taken it over! I got no letter in the mail letting me know all suddenly I get a call one day and the lady threatening me and I didnt even know thats bad practice to me and shes like well. Were gon na take you to court and were gon na sue you for our money back. I did go to court And I try to make a settlement plan with them and with the lawyer when I got back home when I called them again they were just so rude. They just wanted everything at one time. I told him to never contact me again they could speak to my lawyer and then the beginning of this year of 2025 I get a letter from my company who I work for which is XXXX And they said that they were gon na start garnishing my check and they even have a court date set up for XXXX. Why do I bother have to go to court when I told him not to contact me they can speak to my lawyer. They just did whatever they wanted. I do owe for the loan, but I shouldnt have to pay it back this way they have very bad practice and were very threatening when I ask them not to contact me. They did it anyway because they sent it by mail. Im not trying to get out from paying loan back, but there needs to be some consequences for them. I would never deal with them again once its paid off. They are very rude bad practices not to even tell your customers that we moved your account to a different location and just very hostile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After careful review of my Credit File. I noticed 1 account and 3 hard inquiries that doesn't belong to me. The account is " XXXX XXXX '' opened in XX/XX/year>2022 with a balance of {$2700.00}. The inquiries are ( 2 XXXX XXXX XXXX XXXX XXXX, and XXXX. I have never had a utility account with XXXX XXXX or their original creditor, or ever established any business or communications with this company. I also never gave the above inquiries permission to run a hard or soft inquiry on my credit 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 non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: FL

Complaint narrative:
I attempted to resolve with them and credit bureaus several times. Kovo engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. They didn't even have my correct address. I advised this is most likely related to XXXX data breach. 

I demand these companies to delete these accounts from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue This is not my account. 
Confirmation # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: RI

Complaint narrative:
Date : XX/XX/XXXX2025 Subject : Dispute of Inaccurate Account Balance Request for Removal Under 15 U.S.C. 1681 and Metro 2 Compliance Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the inaccurate reporting of my account balance on my credit report as provided by TransUnion, Experian, and Equifax. I have identified a discrepancy in the account balance across these bureaus that must be removed : Below are the inaccurate balances for Acct : XXXX XXXX XXXX Experian and Equifax report my balance as {$22000.00}.

TransUnion reports my balance as {$22000.00}.

Under 15 U.S.C. 1681 ( the Fair Credit Reporting Act ), I am requesting that this error be corrected, as the reported information is inaccurate and does not meet the accuracy standard set by the law. Further, the Metro 2 guidelines, which are the industry standard for credit reporting, also require accurate and consistent information across all credit bureaus. Since the balance is reported differently, it violates these guidelines.

Given the nature of the discrepancy, I request that the inaccurate information be removed across all three credit bureaus to ensure compliance with the FCRA and Metro 2 standards. Please confirm the correction of this error and notify me of the resolution.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX DOB : XX/XX/XXXX SSN : 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 2025-03-30 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:
EXPERIAN / EQUIFAX / TRANSUNION Metro 2 Compliance Investigation Subject : Metro 2 Compliance Dispute Collections Accounts Errors Dear Credit Reporting Agencies, This letter serves as my official notice demanding a Metro 2 compliance investigation into the collection accounts inaccurately reported by XXXX XXXX XXXX and XXXX XXXX XXXX across Experian, Equifax, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), it is mandatory that all credit reporting agencies maintain accurate, complete, and verifiable records.

Upon detailed review, the following discrepancies and inaccuracies were identified : KEY FOR STATUS : - Consistent/Accurate | - Inconsistent/Inaccurate | - Missing/Not Reported Collection Agency Collection Agency | Account Number | Field | Experian | Equifax | TransUnion -- -- -- XXXX -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX | XXXX | Original Creditor Name | Not Reported | Not Reported | XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XXXX | Condition/Status | Closed | Unknown | Open XXXX XXXX XXXX  XXXX | Original Creditor Name | Not Reported | Not Reported | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Condition/Status | Closed | Unknown XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name | Not Reported | Not Reported | XXXX XXXX XXXX XXXX XXXX XXXX XXXX| XXXX | Condition/Status | Closed | Unknown | Open These clear inaccuracies are severe deviations from Metro 2 compliance standards, posing substantial harm to my creditworthiness and financial security. It raises my susceptibility to identity theft and misrepresents my financial history.

Pursuant to the FCRA and CDIA Metro 2 Compliance standards, I demand : Immediate Metro 2 compliance audits on all mentioned collection accounts.

Accurate verification and correction of the listed discrepancies.

Complete deletion of unverifiable or inaccurately reported data from my reports.

I have documented evidence to substantiate these claims and am prepared to escalate this issue legally and through regulatory channels if prompt action is not taken within the statutory 30-day period.

Thank you for your immediate corrective action.

Company response to consumer: Closed with non-monetary relief