vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this complaint to report several unauthorized credit inquiries appearing on my Transunion credit report. Upon review, I discovered inquiries from XXXX XXXX NA ( dated XX/XX/year> and XX/XX/year> ), and XXXX XXXX  XXXX ( dated XX/XX/year> ). I never provided written or verbal authorization for these companies to access my credit file. This constitutes a clear violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), which limits permissible purposes for accessing consumer credit information. I have requested that Transunion validate these inquiries and provide documentation bearing my signature authorizing them. In the absence of such evidence, I am requesting immediate deletion of these fraudulent inquiries from my credit report. These actions have caused distress and concern over the misuse of my personal and financial information.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to a collection agency regarding alleged debts they claim I owe. To date, I have not received any response, acknowledgment, or proper validation of these debts. 

Under 15 U.S.C. 1692g ( b ) ( FDCPA ), I am entitled to request validation of any alleged debt. I formally requested the following information : The amount of the debt The name of the original creditor Documentation proving that I am legally obligated to pay this debt To this day, the collection agency has not provided full validation and continues to report the alleged debt to credit bureaus. This violates both the FDCPA and FCRA 611 ( a ), which require accurate and verified reporting. 

Relevant case law supports these rights : XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Debt collectors must provide proper validation ; reporting unverified debts can create liability. 
XXXX XXXX Midland Credit Management , IncXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Collection agencies are liable under the FCRA for reporting inaccurate or unverifiable information. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Credit agencies must conduct reasonable investigations and are liable for failing to comply. 

Despite these legal requirements, I have not received legitimate proof of the alleged obligation, nor confirmation that reporting has been suspended pending validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Sensible Auto Lending, LLC
State: TX

Complaint narrative:
I am writing in reference to the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me regarding this alleged debt, except as permitted by law. 

This notice serves as my formal written request that you : XXXX. Stop all contact with me, including phone calls, letters, emails, or any other form of communication. 


XXXX. Refrain from contacting my family, employer, or any third parties regarding this matter. 


XXXX. Only communicate further if it is to : Inform me that you are ceasing collection efforts, or Notify me of specific legal action you intend to take. 

Be advised that any further unauthorized contact after your receipt of this notice will be considered a violation of federal law under 15 U.S.C. 1692c ( c ) and may result in legal action. 

Please govern yourself accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to a collection agency regarding alleged debts they claim I owe. To date, I have not received any response, acknowledgment, or proper validation of these debts. 

Under 15 U.S.C. 1692g ( b ) ( FDCPA ), I am entitled to request validation of any alleged debt. I formally requested the following information : The amount of the debt The name of the original creditor Documentation proving that I am legally obligated to pay this debt To this day, the collection agency has not provided full validation and continues to report the alleged debt to credit bureaus. This violates both the FDCPA and FCRA 611 ( a ), which require accurate and verified reporting. 

Relevant case law supports these rights : XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Debt collectors must provide proper validation ; reporting unverified debts can create liability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Collection agencies are liable under the FCRA for reporting inaccurate or unverifiable information. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Credit agencies must conduct reasonable investigations and are liable for failing to comply. 

Despite these legal requirements, I have not received legitimate proof of the alleged obligation, nor confirmation that reporting has been suspended pending validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: SC

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX  and XXXX XXXX  stated that information from LexisNexis was used in determining my eligibility for a bank account. However, my LexisNexis report contains only basic identifying information ( name, address, phone number ) and a list of credit monitoring inquiries. 

There is no derogatory or negative information in my LexisNexis file. Therefore, the use of this data to deny my bank account is unclear and appears improper. LexisNexis has not provided a satisfactory explanation. 

I am requesting that LexisNexis investigate what information was shared with XXXX  or XXXX and ensure that only accurate, relevant data is being distributed to financial institutions. 

believe LexisNexis has not complied with its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically : Failure to maintain maximum possible accuracy 15 U.S.C. 1681e ( b ) requires LexisNexis to ensure that consumer data is accurate and up to date. For more than XXXX years, I have identified inconsistencies and unclear data sharing between LexisNexis and other consumer reporting agencies ( such as ChexSystems ), which have negatively affected my ability to open financial accounts. 

Failure to provide full and clear disclosure 15 U.S.C. 1681g ( a ) gives consumers the right to receive all information LexisNexis maintains in their file, including the sources of that information. Despite multiple requests over the past XXXX years, I have not received a full or transparent disclosure of all data being maintained and shared about me. 

Failure to conduct reasonable reinvestigations of disputed data 15 U.S.C. 1681i ( a ) requires LexisNexis to perform a timely and thorough reinvestigation whenever a consumer disputes information. My repeated requests for explanation and correction have not resulted in any meaningful or verifiable investigation or response. 

Failure to identify data recipients Under 15 U.S.C. 1681g ( a ) ( 3 ), LexisNexis must provide the names of all parties who have received my report in the last XXXX  months. The company has not done so upon request, preventing me from understanding who accessed or used my data. 

I have been attempting to resolve these issues with LexisNexis for over XXXX years, without success. I believe LexisNexis is not following the requirements of the FCRA in how it maintains, discloses, and shares consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MS

Complaint narrative:
Every time I make a Cash App account it gets closed and Im tired of it Im filing a lawsuit because thats race discrimination a white person can do so much on cash app and there wont close

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MN

Complaint narrative:
I recently finished paying off my vehicle. After finalizing my last payment, by mistake I over paid {$390.00} of which I have proof of, and also just received an email of the acknowledgement of overpayment. 

Unfortunately, this banking institution has not allowed me to talk to anyone in person, only via chat. Ive tried all options but the only phone number on their website goes to an automated service and never allows you to talk to a person. 

Ive requested an escalation via chat not on their website as far as getting the refund of my overpayment but they stated that all refunds are done by a third party, XXXX, company which Ive never dealt with before, and that it would be refunded in a digital XXXX through this mentioned third party. 

Ive requested to see if I can receive a ACH or even a physical check, but they said they can not do so, they do all their refunds this way. 

Now image you are an older person, not too tech savvy. All I ask is get a refund via Physical check at least and at least be able to talk to someone in person via voice, not chat. It has been extremely stressful days trying to solve this matter specially since I have not been able to get to talk to someone over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1100.00} Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$850.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$430.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting that all old, inaccurate, or unauthorized personal information be removed from my credit file. This includes former addresses, incorrect name variations, and outdated employer listings that do not reflect my current or accurate information. 

I have reviewed my credit report and noticed several personal details that are no longer valid and may cause confusion during identity verification. Please delete or update these entries to ensure my credit file accurately reflects my current personal information. 

I have already submitted supporting identification ( copy of drivers license and utility bill ) verifying my correct information. 

Thank you for your prompt attention in correcting these inaccuracies.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting that all old, inaccurate, or unauthorized personal information be removed from my credit file. This includes former addresses, incorrect name variations, and outdated employer listings that do not reflect my current or accurate information. 

I have reviewed my credit report and noticed several personal details that are no longer valid and may cause confusion during identity verification. Please delete or update these entries to ensure my credit file accurately reflects my current personal information. 

I have already submitted supporting identification ( copy of drivers license and utility bill ) verifying my correct information. 

Thank you for your prompt attention in correcting these inaccuracies.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/XXXX, I had used my debit card a local XXXX XXXX at XXXX. I spent at least XXXX. However, a few hours later XXXX transactions were made for XXXX and XXXX. Neither XXXX of these last XXXX transactions were done by me. I only made the first XXXX. I informed KeyBank and they credited my money back. However, they have made my account negative XXXX some time in XX/XX/2025 because they said that since the card was present at the merchant that it was a authorized transaction. This is so far from the truth. Seeing that I only made XXXX transaction that day. I fill that any transaction that was done without me physically being at the merchant and without me giving permission is stealing. I know what I did that and I found out that a family had taken my debit card without me knowing and used it to make purchases. KeyBank seems to not understand that just because a card was present at the merchant does not mean that it was authorized. I enjoy this bank. But I feel like they have me jumping through all kinds of hoops from this restriction on my account to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
PLEASE BLOCK AND REMOVE. 
The listing of this account has been emotionally burdensome and mentally draining. All necessary documentation is enclosed for its immediate deletion.

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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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