vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information listed on my credit report. The accounts referenced below appear to be the result of potential fraud, and I demand verifiable documentation bearing my actual signature or electronic authorization. I am submitting this dispute on my own behalf and request an immediate and thorough investigation. 

You are currently reporting accounts and personal information without proper validation or proof of authorization, which may violate my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b. 

Challenged Personal Information Incorrect Name : XXXX XXXX Incorrect Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Date of Birth : XXXX Challenged Accounts XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You must provide verified documents proving I was ever late on these accounts. If you can not produce clear evidence, including the original signed contract, any late payment remarks must be deleted immediately. 

I am especially disappointed by the reporting of inaccurate and outdated information tied to XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX  ). If this data is not immediately corrected, I will pursue legal remedies. This includes deletion from both your internal database and my consumer credit report. 

I am formally demanding the deletion of all unverified or incorrect data. I also request that you provide a copy of my original signed authorization for each listed account within five business days. Failure to do so constitutes noncompliance under the FCRA. 

Your failure to validate and properly report this data is unacceptable. I expect full deletion of any unverifiable information and confirmation in writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MS

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 2025-06-13 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: VA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding unauthorized and duplicate hard inquiries listed on my credit report by XXXXXXXX XXXX , both dated XX/XX/year>. These inquiries are currently appearing on my credit profile without my authorization or permissible purpose, as defined under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ). 
Disputed Inquiries : XXXX XXXX XXXXXX/XX/year> Legal Grounds : Under FCRA 604 ( a ), a credit reporting agency may only furnish a consumer report under specific circumstances and with a permissible purpose, such as when a consumer initiates a credit transaction. I did not apply for any credit or authorize XXXX XXXX to run a hard inquiry on this date, let alone two separate pulls on the same day.

Furthermore, FCRA 604 ( c ) ( 1 ) ( A ) requires that prior written authorization be obtained for credit or insurance transactions not initiated by the consumer. No such authorization was provided. 
The presence of duplicate inquiries also violates the principles of accuracy under FCRA 607 ( b ), which mandates that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy.

Impact and Request : These inquiries are negatively affecting my credit standing. Inquiries of this nature are used in credit scoring models and can reduce my score and raise red flags for future lenders. The fact that these entries are duplicated only exacerbates the harm caused. 
I respectfully request : The immediate removal of both XXXX XXXX inquiries dated XX/XX/year>XXXX  from all of my credit reports. 
An investigation into how these inquiries were placed without a permissible purpose or written authorization. 
Written confirmation that these unauthorized inquiries have been deleted. 
Supporting Rights : FCRA 604 ( a ) No permissible purpose FCRA 604 ( c ) ( 1 ) ( A ) No written consent FCRA 607 ( b ) Inaccurate or duplicate reporting FCRA 611 Right to dispute inaccurate information Please consider this complaint urgent and process it under your consumer rights enforcement responsibilities.

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 2025-06-13 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: LA

Complaint narrative:
I received a cash app XXXX credit card that I did not apply for. Cash app office is currently closed to report the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: AR

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 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. 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 AR XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-06-13 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: OR

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous XXXX  and stress it's causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax ( a consumer reporting agency ) and XXXX ( a creditor and data furnisher ) for multiple violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX Timing of Payments Facts of the Case : I, XXXX XXXX, discovered that XXXX has been furnishing inaccurate and misleading information about an account allegedly belonging to me, and Equifax has been willfully reporting that false data. 

Violations : XXXX. Failure to Send Required Disclosures ( FCRA & FDCPA Violation ) XXXX failed to provide me with disclosures required by law when adverse reporting began. I did not receive any notification of adverse action, nor was I informed of my rights under the FCRA when the account was placed in a XXXX status. This is a violation of XXXX XXXX. XXXX and relevant FDCPA provisions regarding consumer notification and transparency. 

XXXX. Improper XXXX XXXX  Updates ( FCRA Violation ) The account is being reported as a XXXX XXXX XXXX XXXX. This is misleading and inaccurate. A XXXX is a one-time accounting actionnot something that reoccurs monthly. Continuously updating the XXXX XXXX XXXX manipulates the system to make it appear as if the account is newly XXXX XXXX each time, which is inaccurate, deceptive, and in direct violation of FCRA XXXX XXXX. XXXX. 

This practice also has the effect of extending or tolling the statute of limitations, which is unlawful and prejudices my rights under consumer protection laws. 

XXXX. Violation of XXXX XXXX Code XXXX Timing of Payments XXXX has violated XXXX XXXX Code XXXX, which requires that payments be credited promptly and that interest or penalties not be assessed unfairly due to improper posting practices. My payments were either misapplied or ignored in a manner that allowed XXXX to continue XXXX reporting the account, despite my attempts to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
I have hard inquiries not belong to me - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 have hard inquiries not belong to me - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
CFPB Dispute - Student Loan Late Payment During Forbearance To Whom It May Concern, This is a formal dispute regarding inaccurate negative credit reporting by Nelnet on my federally serviced student loans. 
Despite being in a verified 60-day forbearance starting on XXXX-per Nelnet 's own written confirmation-Nelnet reported missed or late payments to the credit bureaus . This is inaccurate, misleading, and unlawful. 
Reporting negative information while a loan is in forbearance violates : - Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) - FCRA 15 U.S.C. 1681i ( a ) ( requiring reinvestigation of disputed info ) - U.S. Department of Education guidance on forbearance and IDR protections I have attached : - Official notice from Nelnet confirming forbearance - Loan consolidation summary for all affected loans I am requesting : - Immediate deletion of all late payment entries associated with these loans - Written confirmation that the credit report has been corrected If this is not corrected, I am prepared to escalate and pursue further legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-06-13 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MI

Complaint narrative:
I am a victim of identity theft stemming from major data breaches involving Experian ( XXXX ), Equifax ( XXXX ), and TransUnion ( XXXX ). As a result, numerous fraudulent accounts and inquiries were added to my credit reports without my knowledge or consent. These include : XXXX XXXX {$8200.00} ( Auto Loan, Charge-Off ) XXXX XXXX XXXX {$3700.00} ( Collection ) XXXX XXXX {$1100.00} ( Collection ) XXXX  XXXX XXXX XXXX payments XXXX XXXX late history Multiple Dept. of EdXXXX accounts 90-day lates Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX across all 3 bureaus On XX/XX/XXXX, I submitted official FCRA 605B dispute letters to Experian, TransUnion, and Equifax , along with : Government-issued ID Proof of address FTC Identity Theft Report ( # XXXX ) Sworn affidavit Detailed list of disputed accounts and inquiries Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to block fraudulent information within 4 business days of receiving complete documentation. To date, they have failed to do so, violating federal law and continuing to report inaccurate, damaging information. 

This inaction has severely harmed my creditworthiness, financial opportunities, and peace of mind. 

Relief Requested : Immediate blocking and permanent removal of all listed fraudulent accounts and inquiries Written confirmation of removal from all 3 credit bureaus Investigation into FCRA 605B non-compliance Enforcement action as necessary Supporting Documents Attached : FCRA 605B dispute letter FTC Identity Theft Report Power of Attorney List of fraudulent accounts and inquiries

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