vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I had opened a credit account with XXXXXXXX XXXX XXXX  in XXXX. From XXXX? There was charges ( I cant remember if it was me or not ) account was closed in XXXX ). 8 years later they reported it to my credit score. I have not received calls, mail, or anything from this debt or in regard to what it was for. I believe I disputed it years ago and thats why it was never paid. The amount is {$3300.00}. Account been closed since XX/XX/XXXX. It is past the statute of limitations to be reporting now and without even reaching out in regard to this debt. I would like this ding against my credit removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: MA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: MA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: AL

Complaint narrative:
Duplicate and unauthorized inquiries and accounts are reporting on my credit report without my permission. 
XXXX XXXX XXXX XXXX INQUIRIES ARE AS FOLLOWS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I had fallen behind after a car accident and became homeless I did forget about the loan until end of XXXX beginning of XXXX. I did call in and speak with The store associate name to XXXX I asked what my options as far as A refinance on the loan or a different payment arrangements.He did go over that.I would need to either catch up.The interest which was near XXXX XXXX dollars or the cheaper option of making my XXXX behind payments in a total of XXXX XXXX XXXX XXXX and then I could look at either refinancing or even withdrawing more money out off of my title loan. At no point was I ever Told that I was. 
In default to XXXX XXXX where they were planning on taking my vehicle. I had been broken up by my husband on XXXX XXXX XXXX XXXX And told that my vehicle was gone If it taken me a few hours to realize that the title loan was the reason why my car was gone so I contacted the branch the lady XXXX there Did tell me that they did repossess my car period I Have tried every XXXX XXXX with the company to speak with a manager.Or Somebody who could help me make some type of payment arrangements which nobody seems to be willing to the only offer I have Being given was to take a {$110.00} off of the total amount that they want.There was no payments being allowed. Had I. 
Been given the legal notice required by Arizona law. Giving me 10 days to cure the loan. I would have made a payment on my vehicle. And I would not have lost it but because I was not given that opportunity. I am now stuck being forced to pay {$1100.00}. Which I do not have and they're not giving me any options to try to make payments. Or lower the amount besides a {$110.00} they said they would take off. Speaking with the different levels of tidal max.I have been informed that their contract is I guess above Arizona state law where they don't need to inform you because you said a contract.The only thing they need to inform you of is that they take your car and are selling it.I was never given a breakdown of how much I owe what my fees were or anything of that sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filled a complaint with the CFPB on XXXX  regarding this matter. On XX/XX/year> I received notification that the company response is in progress. Since then I have not received any further information. The complaint ID is XXXX. Below is the previous complaint as well as the debt validation letter that the company in question failed to complete ( see attached ). 

____________ I am filing a complaint against Experian for failing to property investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within a few days stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. Further proof of their inaccurate reporting is they state that the account is incorrect but will not be removed. The account in questions is XXXX XXXX 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 explanation
Consumer complaint received 2025-03-20 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: IN

Complaint narrative:
I recently review a copy of my credit report and notice I had a fraudulent account on my report. Please remove this account from my report, this account is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: AR

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: OH

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
My consumer report contains data that was obtained through identity thief. I didn't give explicit written consent or instructions for the transaction in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. T did not make a factual misinterpretation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions. The transaction that has been deleted don't pertain to any transaction that I, the consumer, have made. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Within 5 days after the transactions, you must comply with my request and prevent these transactions from being included in my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Texas Guaranteed
State: TX

Complaint narrative:
I am filing a formal complaint against Trellis Company regarding the inaccurate reporting of XXXX accounts under account # XXXX. Despite my previous dispute, I have not been provided with any documentation validating this debt. Trellis has reported inconsistent and conflicting information, including re-aging the account, which extends its presence on my credit report in violation of Fair Credit Reporting Act ( FCRA ) regulations. 

In XX/XX/XXXX, the account was reported as charged off, yet by XX/XX/XXXX, it suddenly reflected an " OK '' status. Additionally, in the same month, XXXX still reported the account as a charge-off, while XXXX and XXXX reported XXXX as " OK. '' From XX/XX/XXXX through XX/XX/XXXX, the account continued to reflect an " OK '' status, despite previously being charged off. This is a clear violation of accurate reporting standards under the FCRA. 
Further inconsistencies include varying balances, where one bureau reports a {$0.00} balance while another still shows a balance due. These discrepancies have been highlighted and attached for review. The erroneous reporting is harming my creditworthiness, and I am demanding the immediate deletion of these accounts. If this issue is not resolved promptly, I will pursue legal action under the FCRA to seek damages for the continued harm caused by these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unifin Inc.
State: MO

Complaint narrative:
I reached out to the company and ask them for validation of the agreement with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
SYNCB/ XXXX XXXX ACCOUNT NUMBER XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I am writing to express my deep frustration with the errors on my report that are unfairly lowering my scores. These inaccuracies have caused significant setbacks in my ability to access financial opportunities, and I should not be suffering because of incorrect information that does not belong on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
These hard inquiries are fraudulent and doesnt belong to me and need to be removed. Also the nest as well. Thanks XXXX XXXX  XXXX transUnion XXXX XXXX  - XX/XX/XXXX experian XXXX - XX/XX/XXXX experian XXXX - XX/XX/XXXX transunion XXXX  - XX/XX/XXXX XXXX XXXX  XXXX  XXXX experian XXXX XXXX XX/XX/XXXX - experian XXXX  XXXX  XXXX  XX/XX/XXXX Transunion XXXX XXXX  XX/XX/XXXX Transunion XXXX - XXXX Transunion XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX Transunion XXXX XXXX XXXX  XXXX  - XX/XX/XXXX Experian XXXX XXXX Experian XXXX XXXX  - XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Transunion XXXX XXXX - XX/XX/XXXX Transunion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Transunion XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XXXX  XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Transunion XXXX XXXX  - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
These hard inquiries are fraudulent and doesnt belong to me and need to be removed. Also the nest as well. Thanks XXXX XXXX  XXXX transUnion XXXX XXXX  - XX/XX/XXXX experian XXXX - XX/XX/XXXX experian XXXX - XX/XX/XXXX transunion XXXX  - XX/XX/XXXX XXXX XXXX  XXXX  XXXX experian XXXX XXXX XX/XX/XXXX - experian XXXX  XXXX  XXXX  XX/XX/XXXX Transunion XXXX XXXX  XX/XX/XXXX Transunion XXXX - XXXX Transunion XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX Transunion XXXX XXXX XXXX  XXXX  - XX/XX/XXXX Experian XXXX XXXX Experian XXXX XXXX  - XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Transunion XXXX XXXX - XX/XX/XXXX Transunion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Transunion XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XXXX  XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Transunion XXXX XXXX  - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian

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