vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: 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.

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 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 seven years.

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 non-monetary relief
Consumer complaint received 2025-06-23 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I am formally disputing inaccurate and fraudulent information currently reporting on my Experian credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Please investigate and permanently remove the following items : XXXX. Fraudulent Account XXXX XXXX  XXXX XXXX : XXXX XXXX  XXXX Account # : XXXX Status : " Account in Dispute under Fair Credit Billing Act '' This account is the result of fraudulent activity and does not belong to me. I did not open or authorize this account, and I am not responsible for any charges or activity associated with it. Under 15 U.S.C. 1681s-2 ( a ) ( 6 ) and 1681c-2, you are required to block and delete fraudulent information once notified and provided with supporting documentation. I demand that this account be removed immediately and not reinserted unless fully verified with written documentation.

2. Unauthorized Hard Inquiries I am also disputing the following unauthorized inquiries, whi
ch were made without my knowledge, authorization, or permissible purpose under 15 U.S.C. 1681b : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> These inquiries were made without my consent and constitute a violation of my rights under the FCRA. Please remove them from my credit file and confirm deletion in writing. 
Supporting Documents ( attached ) : - Copy of government-issued ID - Proof of address ( utility bill or statement ) - Police report or FTC Identity Theft Report ( if applicable available upon request ) Please complete your investigation within 30 days as required by XXXX U.S.C. XXXX ( a ) and provide me with a written summary of the results, including the specific steps taken and any documentation relied upon in your reinvestigation. 

If these items are not removed or corrected, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and consider legal action under XXXX U.S.C. XXXX and XXXX for willful or negligent noncompliance.

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 2025-06-23 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: MD

Complaint narrative:
When I went through my credit profile I saw inquiries that didn't belong to 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 explanation
Consumer complaint received 2025-06-23 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:
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 XXXX 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 XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/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 2025-06-23 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : XXXX Email : XXXX Date : [ Insert Date ] To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these credit checks, nor did I initiate any applications for credit with these companies at the time the inquiries were made. Under the Fair Credit Reporting Act ( FCRA ), any inquiry on a consumers credit report must be made with the consumers explicit consent. 

Below are the unauthorized hard inquiries I am requesting be investigated and removed from my credit report : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Please conduct an investigation into these inquiries. If the companies listed above can not provide verifiable proof that I authorized these credit pulls, I respectfully request that they be permanently removed from my credit file. 

Enclosed are copies of my identification and proof of address for your reference : A copy of my drivers license or state-issued ID A utility bill or bank statement as proof of address Thank you for your prompt attention to this matter. Please provide me with a written response after your investigation is completed. 

Sincerely, XXXX XXXX SSN ( last four digits ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: LA

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 XXXX 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 : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I recieved my mortgage payment slip from MR COOPER on this paper it has a negative XXXX dollars on it when I called in and spoke with XXXX XXXX she could not explain to me what this was all about she just kept saying it was a partial payment I NEVER MADE A PARTIAL PAYMENT I SENT THE WHOLE AMOUNT DUE ON THE ACCOUNT I WANT TO KNOW WHERE DID THEY GET THIS XXXX AND WHY WAS IT A PARTIAL PAYMENT I NEVER SENT IN A PARTIAL PAYMENT I SENT THE WHOLE AMOUNT DUE THIS COMPANY HAS BEEN NOTHING BUT TROUBLE SINCE I HAVE ACQUIRED IT I NEVER WANTED TO BE ASSOCIATED WITH THIS COMPANY THEY ASSUMED MY LOAN AND I WILL SEE ABOUT GETTING AWAY FROMT THEM AS FAST AS POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
I am formally disputing the following unauthorized inquiries appearing on my credit report : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These inquiries were made without my authorization or permissible purpose as required under 15 USC 1681b of the Fair Credit Reporting Act ( FCRA ). Reporting such inquiries without valid, verifiable consent violates federal law and constitutes willful non-compliance.

I demand you DELETE these inquiries immediately. I further demand full verification of each inquiry, including : A notarized statement from a person with firsthand knowledge of the debt.

Proof that I authorized the inquiry.

Documentation showing the debt was legally incurred, not disputed, not used as a tax deduction, and not claimed as a loss.

Failure to comply will result in me pursuing legal remedies, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators. I expect your full compliance under FCRA and XXXX XXXX standards. Take corrective action 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 2025-06-23 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: CA

Complaint narrative:
I am formally disputing the following unauthorized inquiries appearing on my credit report : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These inquiries were made without my authorization or permissible purpose as required under 15 USC 1681b of the Fair Credit Reporting Act ( FCRA ). Reporting such inquiries without valid, verifiable consent violates federal law and constitutes willful non-compliance.

I demand you DELETE these inquiries immediately. I further demand full verification of each inquiry, including : A notarized statement from a person with firsthand knowledge of the debt.

Proof that I authorized the inquiry.

Documentation showing the debt was legally incurred, not disputed, not used as a tax deduction, and not claimed as a loss.

Failure to comply will result in me pursuing legal remedies, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators. I expect your full compliance under FCRA and XXXX XXXX standards. Take corrective action 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 non-monetary relief
Consumer complaint received 2025-06-23 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: CO

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have attached copies of my government-issued ID, utility bills, and Social Security XXXX XXXX verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CA

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 XXXX 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 XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

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 explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
Under 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of consumer reports. I am disputing an erroneous entry of {$620.00} [ e.g., a reported debt or charge ] on my credit report, dated XX/XX/year>, because it is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ), I request that the agency promptly investigate this item, correct or delete the inaccurate information, and notify me of the results within 30 days. Please provide verification of the disputed amount or remove it if it can not be verified.

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 2025-06-23 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: TX

Complaint narrative:
Under 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of consumer reports. I am disputing an erroneous entry of {$620.00} [ e.g., a reported debt or charge ] on my credit report, dated XX/XX/year>, because it is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ), I request that the agency promptly investigate this item, correct or delete the inaccurate information, and notify me of the results within 30 days. Please provide verification of the disputed amount or remove it if it can not be verified.

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 2025-06-23 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: TX

Complaint narrative:
Under 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of consumer reports. I am disputing an erroneous entry of {$620.00} [ e.g., a reported debt or charge ] on my credit report, dated XX/XX/year>, because it is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ), I request that the agency promptly investigate this item, correct or delete the inaccurate information, and notify me of the results within 30 days. Please provide verification of the disputed amount or remove it if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
i sent a request to validate the debt and the only thing i received back was a copy of a statement and an account summary report no proof this debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/year> Attempted to return car to XXXX dealers or any other in my area request was denied and no interest in receiving the car XX/XX/year> Called US Bank to arrange for car pick up XX/XX/year> Car picked up and returned to Us Bank XX/XX/year> First attempt to reach and set track of the process XX/XX/year> Follow up call and received information it might take XXXX weeks for the final bill XX/XX/year> Follow up call and no new information regards my bill XX/XX/year> Follow up call no final bill no further resolution or answers provided to my inquiries XX/XX/year> Follow up call XXXX pm Agent XXXX no ID provided no new information formal complaint filed with bank and request to escalate case XX/XX/year> Follow up call XXXX am Agent XXXX no ID provided no new information no resolution or update on the complaint

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 monetary relief
Consumer complaint received 2025-06-23 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: WI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-23 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:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NJ

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should Not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX 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