vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b. 

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
As of XX/XX/year> and earlier I'm unable to get results from There investigations every time I go on line to Experian to see the results it tells me that the results are unavailable at this time some the investigations are months old and I'm still unable to get the results of the investigation

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 2025-06-12 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
Upon reviewing my consumer credit report, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), and 1681n ( b ) ( 2 ).

Your agency furnished reports in connection with credit or insurance transactions that I did not initiate or authorize. The law clearly states that such reports must either be authorized by the consumer or be part of a firm offer of credit or insurance. Any inquiry not initiated by the consumer, and not meeting those conditions, violates federal law.

According to 15 U.S.C. 1681n ( b ) ( 2 ), any entity that obtains or furnishes a consumer report without a permissible purposeor under false pretensesis liable for actual damages or {$1000.00} per violation, whichever is greater, and may also be subject to punitive damages awarded by the court.

I did not authorize the following inquiries. If you claim otherwise, I demand that you immediately provide written proof of my consent for each one.

Unauthorized Inquiries Due to Aggravated Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each of these inquiries occurred without my knowledge or authorization and involved the unlawful use of my personal information. This is a clear case of identity theft, and I demand the permanent deletion of these entries from my credit report under 15 U.S.C. 1681c-1 and 1681n ( b ).

I have already reported this matter to the : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office XXXX XXXX XXXX ( XXXX  ) Federal Trade Commission ( FTC ) This issue is urgent. I expect your agency to fully delete these inquiries and provide written confirmation of the actions taken. If you require additional information or documentation, contact me directly at the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am a legal co-owner of my home. GoodLeap filed a lien on the property for a solar loan that I never agreed to or signed for. I was not part of the application, was not married at the time of purchase, and hold an independent legal interest. 

Ive made multiple requests for the lien to be removed, but GoodLeap has refused. This filing directly impacts my financial rights and was submitted without legal authority. I am requesting XXXX intervention to force the release of this fraudulent lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have an auto loan with Regional Acceptance Corporation. For over XXXX months, I have been unable to access my online account because my account remains locked. I have made multiple attempts to resolve this issue by contacting both customer service numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. I have made dozens of calls with no response or assistance. Every time I call, the system either disconnects or puts me on hold indefinitely. 

As a result, I can not verify my loan balance, make online payments, or manage my account properly. This situation has been extremely frustrating and concerning, as I am unable to access my own financial account despite being current with my payments. This is not only affecting my ability to manage my loan but may potentially impact my credit if unresolved. 

I am requesting that Regional Acceptance immediately resolve my locked account access and provide proper customer service assistance to allow me to manage my auto loan properly.

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 2025-06-12 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction.

1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, WA, XXXX, I request that you update my credit report with my correct address and remove any incorrect or outdated addresses. 
2. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : 1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/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 non-monetary relief
Consumer complaint received 2025-06-12 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
XXXX. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/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 non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Churchill Holdings, Inc.
State: IL

Complaint narrative:
I was talking to a mortgage broker and they said they were going to do a soft pull to see where I was credit was. When I found out it was a hard pull I immediately called them and they swore that it was only a soft pull. From that day on I tried to reach them to remove it and hear nothing back from them. So I am disputing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CT

Complaint narrative:
The XXXX  XXXX XXXX secured credit card account ending in XXXX XXXX is being reported with a stagnant balance and repeated charge-off notations for over two years. This violates the requirement under FCRA 1681i ( a ) for proper reinvestigation and correction of disputed 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 explanation
Consumer complaint received 2025-06-12 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: CT

Complaint narrative:
The XXXX  XXXX XXXX secured credit card account ending in XXXX XXXX is being reported with a stagnant balance and repeated charge-off notations for over two years. This violates the requirement under FCRA 1681i ( a ) for proper reinvestigation and correction of disputed 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 2025-06-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 5 accounts consist of a personal loan from PXXXX XXXX  opened XX/XX/XXXX, a XXXX personal credit card opened on XX/XX/XXXX, an XXXX XXXXXXXX XXXX personal credit card opened on XX/XX/XXXX, a XXXX mobile phone account opened on XX/XX/XXXX, and a XXXX XXXX personal loan opened on XX/XX/XXXX, and 6 hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX XXXX SC XXXX XXXX : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX FCU - Account Number : XXX * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$45000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
Subject : URGENT DEMAND : IMMEDIATE AND PERMANENT DELETION OF ILLEGALLY REINSERTED WEBBANK/FINGERHUT ACCOUNT, THIRD VIOLATION OF FCRA, NOW EXPIRED BEYOND 10 YEARS! 

I am OUTRAGED and DEMANDING the IMMEDIATE and PERMANENT deletion of the XXXX account XXXX Account Number : XXXX ) from my credit report THIS IS THE THIRD ILLEGAL REINSERTION and a CATASTROPHIC VIOLATION of the Fair Credit Reporting Act ( FCRA )! Opened in XX/XX/XXXX, this account is OVER XXXX XXXX XXXX, far exceeding the XXXX reporting limit under 15 U.S.C. 1681c ( a ) ( 4 ), yet you INSOLENTLY reinsert it again! This is a DISGRACE, and I will not tolerate this ABUSE any longer, ACT NOW!

Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you MUST notify me in writing within XXXX business days of reinsertion, including the data furnishers name and accuracy certification. I HAVE RECEIVED NO NOTIFICATION, NOT ONCE, NOT TWICE, BUT XXXX TIMES, proving your BLATANT DISREGARD for federal law! This account, tied to a PACKAGE STOLEN IN XX/XX/XXXX that I NEVER RECEIVED, was DELETED multiple times, yet you DARE reinsert it a third time! Settled with XXXX XXXX on XX/XX/XXXX ( see their letter, XX/XX/XXXX ), this fraudulent account is a SCAM you keep forcing on my report! 

This accounts delinquency began in XXXX, making it XXXX after XX/XX/XXXX under FCRA 15 U.S.C. 1681c ( a ) ( 4 ), which limits reporting of charge-offs to 7 years. Its persistence for OVER 10 YEARS is ILLEGAL and DEVASTATING to my credit! Ive reported this theft to XXXX XXXX ( Report # XXXX ) and FTC, disputed it since XXXX, and youve deleted it twice, yet your RECKLESS REINSERTION is UNFORGIVABLE! 

Legal Violations, Youre Breaking Multiple Laws!

Failure to Provide Required Notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Notify the consumer in writing within XXXX business days-YOUVE FAILED THREE TIMES! NO NOTICE, NO EXCUSE! 

Violation of Accuracy & Reinvestigation ( 15 U.S.C. 1681i ( a ) ) DELETE unverifiable, inaccurate information! This expired, fraudulent account has NO PLACE on my report!

Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) Your REPEATED ERRORS show GROSS NEGLIGENCE-THIS IS INTENTIONAL MISCONDUCT!

Expiration of Reporting Period ( 15 U.S.C. 1681c ( a ) ( 4 ) ) Charge-offs over XXXX XXXX XXXX ( since XXXX ) MUST NOT BE REPORTED-YOURE 3 YEARS PAST THE LIMIT!

Identity Theft Blocking ( 15 U.S.C. 1681c-2 ) As an identity theft victim, I DEMAND PERMANENT BLOCKING-your inaction is COMPLICITY in FRAUD! 

PERMANENTLY DELETE the XXXX account XXXX XXXX ) from my credit report NO MORE REINSERTIONS, EVER! 

BLOCK THIS ACCOUNT FOREVER under FCRA 15 U.S.C. 1681c-2 due to identity theft and expiration.

This is your FINAL CHANCE. Respond in WRITING by XX/XX/XXXX, or face the FULL FORCE OF THE LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief