vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
XXXX writing because theres a credit inquiry on my report that I did not authorize. Let me be completely clear I never applied for credit with this company, I didnt initiate the inquiry, and I had nothing to do with it. 

This inquiry is fraudulent, plain and simple. It was not done by me, and it should never have appeared on my credit report in the first place.

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 2025-05-15 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: LendKey Technologies, Inc.
State: GA

Complaint narrative:
Upon pulling my credit report it indicates that LENDKEY/XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ran inquiries on my report. Please delete inquiries from my report because I did not authorize these companies to run my credit, this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm contacting you because theres an account showing up on my credit report that Ive never seen before and have absolutely no connection to. I didnt open it, Ive never authorized it, and I have no idea how or why its showing under my name. Simply put this account is not mine. 

I take my credit very seriously, and I check my reports regularly. This isnt just a small error its a serious misrepresentation of my credit profile. I need this mixed or incorrect data completely deleted from my credit report as soon as possible.

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 2025-05-15 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: GA

Complaint narrative:
I obtained my transunion report and noticed XXXX fraudulent/unauthorized inquiries from XXXX I obtained my XXXX  report and noticed XXXX fraudulent/unauthorized inquiries from XX/XX/year> I obtained my XXXX  credit report and noticed XXXX XXXX inquiries from on credit report from XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I obtained my transunion report and noticed XXXX fraudulent/unauthorized inquiries from XXXX I obtained my XXXX  report and noticed XXXX fraudulent/unauthorized inquiries from XX/XX/year> I obtained my XXXX  credit report and noticed XXXX XXXX inquiries from on credit report from 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 explanation
Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
I am submitting this formal complaint against XXXX, Equifax, and XXXX  for failing to remove both : ( 1 ) unauthorized and unverifiable hard inquiries, and ( 2 ) multiple disputed accounts with inaccurate, inconsistent, or unverifiable data. 

I initially submitted formal disputes on XX/XX/year>, for over XXXX accounts that contained inaccurate balance information, mismatched dates, duplicate entries, and reporting discrepancies between bureaus. I cited violations of the Fair Credit Reporting Act ( FCRA ), including 1681i ( failure to conduct a reasonable reinvestigation ) and 1681s-2 ( b ) ( furnishing inaccurate data ). 

I also disputed XXXX hard inquiries that were not initiated by me, did not result in any credit account, and had no supporting documentation to demonstrate my authorization as required by FCRA 1681b. 

In both cases, I gave all three bureaus ample time to correct the errors. XXXX failed to act at all. None have provided evidence of verification or authorization, and the items continue to appear on my credit reports. 

These failures are now part of a documented pattern of noncompliance. I am requesting CFPB intervention to ensure permanent deletion of all unverifiable inquiries and account information, and to hold each bureau accountable for violating federal consumer protection law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Line Financial, PBC
State: CA

Complaint narrative:
I recently received an email stating that I allegedly owed Beem for the following items : XXXX  Dues : {$54.00} Subscription fee Dues : {$76.00} Late fee Dues : {$15.00} I have never used this service, did not consent to use this service and am not aware of why I am being charged for a service I never signed up for. 
I would like the company to immediately close any alleged account and resolve any alleged outstanding debts owed. I would like the company to immediately cease any communication related to alleged fees owed. I would like this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is violating the Fair Credit Reporting Act ( FCRA ) by ( 1 ) failing to complete disputes within 30 days ( FCRA 611 ( a ) ( 1 ) ( A ) ) ; ( 2 ) providing incomplete dispute results ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) ; and ( 3 ) restricting access to my credit report and ability to file new disputes while an unrelated dispute is pending ( FCRA 609 ( a ), 611 ( a ) ( 8 ) ). 

Additionally, TransUnions website is often nonfunctional, forcing me to mail in documentation for disputes. Dispute results are not detailed nor archived consistently in one place. This violates their obligation to maintain reasonable procedures for handling consumer disputes ( FCRA 607 ( b ) ) and results in duplicate disputes because they can not properly match mailed documents to online or phone-submitted disputes. These practices cause unreasonable delays and procedural failures in handling consumer information, violating their duty to ensure maximum possible accuracy ( FCRA 607 ( b ) ) and properly reinvestigate disputes ( FCRA 611 ( a ) ( 1 ) ( A ) ). 

I have attached evidence showing website errors, refusal to accept new disputes, and poor dispute handling procedures.

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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed a collection with a telephone company I have never had a account with that company nor have I signed a contract with XXXX XXXX XXXX. I notified them and was informed that this account was not mine. I have contacted the credit agencies on several occasions with no response. Please see attached documentation to delete from my credit report. 

XXXX XXXX XXXX acct  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TN

Complaint narrative:
I have been the victim of security breaches I have signed up with a monitoring service and they have found my information on the dark web. Is causing me to have a lot of phone calls about accounts being opened in my name and not being paid since XXXX. I also see information on my credit report that does not belong to me that accounts have been opened and there are balances that show the accounts have been bought by other debt XXXX and nothing has been validated. I would like these items removed from my credit report I have been dealing with this for XXXX almost XXXX years.

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 2025-05-15 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: GA

Complaint narrative:
I'm contacting you because theres an account showing up on my credit report that Ive never seen before and have absolutely no connection to. I didnt open it, Ive never authorized it, and I have no idea how or why its showing under my name. Simply put this account is not mine. 

I take my credit very seriously, and I check my reports regularly. This isnt just a small error its a serious misrepresentation of my credit profile. I need this mixed or incorrect data completely deleted from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
I am filing this complaint against TransUnion for continued reporting of fraudulent, inaccurate, and unverified accounts including collections and charge-offs that I have already disputed with supporting documentation, including an FTC Identity Theft Report, proof of address, and certified letters. 

Despite this, TransUnion continues to report : XXXX XXXX XXXX XXXX {$22000.00} charge-off ; never verified XXXX Credit XXXX XXXX XXXX XXXX XXXX tied to identity theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX not mine, no documentation ever provided XXXX Bank paid ; XXXX XXXX ignored XXXX XXXX XXXX XXXX XXXX {$330.00} collection XXXX not XXXX XXXX XXXX / First Energy {$4500.00} collection XXXX XXXX and XXXX XXXX addition, TransUnion continues to list unauthorized hard inquiries : XXXX XXXX ( XXXX ), XXXX Card XXXX XXXX XXXX, and XXXX all pulled without my consent To make matters worse, TransUnion added XXXX XXXX XXXX XXXX XXXX XXXX  after my original disputes were filed violating the FCRA by placing new fraudulent items mid-investigation. 

TransUnion has refused to delete or suppress this data, failed to disclose the method of verification as required under 1681i ( a ) ( 6 ) ( B ) ( iii ), and continues to use an incorrect address ( XXXX XXXX XXXX ) in its matching system despite receiving multiple forms of address verification. 

This pattern shows willful noncompliance and reckless disregard for my consumer rights under FCRA.

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 2025-05-16 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: LA

Complaint narrative:
On or around XX/XX/year>, XXXX hard inquiries were made to my Experian credit report by XXXX XXXX  and XXXX XXXX ( XXXX ). I did not apply for credit with either company at any time, nor did I give written, verbal, or electronic authorization for them to access my credit file.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a company must have a permissible purpose to obtain a consumers credit report. These companies have not provided any documentation proving that I gave such authorization. I first noticed these inquiries while reviewing my Experian credit report for accuracy and monitoring for identity theft. 

To resolve this, I filed a written dispute directly with Experian, clearly identifying the disputed inquiries and stating that they had no permissible purpose. I requested that Experian remove the inquiries unless they could provide documented evidence showing I authorized them. 

To date, Experian has not provided any proof of authorization, nor have they removed the inquiries. These unverified inquiries are damaging my credit and were added without my consent. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure Experian complies with federal law by either : 1. Deleting the unauthorized inquiries, or 2. Providing documented evidence that I authorized the inquiries.

I believe these actions by the credit reporting agency violate FCRA 1681b, 1681i, and 1681g, and I am requesting the Bureaus assistance in correcting this issue.

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 2025-05-15 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: 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 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 2025-05-15 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: CO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-05-15 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: MA

Complaint narrative:
I am submitting this formal complaint against XXXX, Equifax, and XXXX  for failing to remove both : ( 1 ) unauthorized and unverifiable hard inquiries, and ( 2 ) multiple disputed accounts with inaccurate, inconsistent, or unverifiable data. 

I initially submitted formal disputes on XX/XX/year>, for over XXXX accounts that contained inaccurate balance information, mismatched dates, duplicate entries, and reporting discrepancies between bureaus. I cited violations of the Fair Credit Reporting Act ( FCRA ), including 1681i ( failure to conduct a reasonable reinvestigation ) and 1681s-2 ( b ) ( furnishing inaccurate data ). 

I also disputed XXXX hard inquiries that were not initiated by me, did not result in any credit account, and had no supporting documentation to demonstrate my authorization as required by FCRA 1681b. 

In both cases, I gave all three bureaus ample time to correct the errors. XXXX failed to act at all. None have provided evidence of verification or authorization, and the items continue to appear on my credit reports. 

These failures are now part of a documented pattern of noncompliance. I am requesting CFPB intervention to ensure permanent deletion of all unverifiable inquiries and account information, and to hold each bureau accountable for violating federal consumer protection law.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am submitting this formal complaint against XXXX, Equifax, and XXXX  for failing to remove both : ( 1 ) unauthorized and unverifiable hard inquiries, and ( 2 ) multiple disputed accounts with inaccurate, inconsistent, or unverifiable data. 

I initially submitted formal disputes on XX/XX/year>, for over XXXX accounts that contained inaccurate balance information, mismatched dates, duplicate entries, and reporting discrepancies between bureaus. I cited violations of the Fair Credit Reporting Act ( FCRA ), including 1681i ( failure to conduct a reasonable reinvestigation ) and 1681s-2 ( b ) ( furnishing inaccurate data ). 

I also disputed XXXX hard inquiries that were not initiated by me, did not result in any credit account, and had no supporting documentation to demonstrate my authorization as required by FCRA 1681b. 

In both cases, I gave all three bureaus ample time to correct the errors. XXXX failed to act at all. None have provided evidence of verification or authorization, and the items continue to appear on my credit reports. 

These failures are now part of a documented pattern of noncompliance. I am requesting CFPB intervention to ensure permanent deletion of all unverifiable inquiries and account information, and to hold each bureau accountable for violating federal consumer protection law.

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 2025-05-15 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: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-15 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-15 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief