vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. I am filing this FTC Identity Theft Affidavit to report two fraudulent account ( s ) appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a collection account opened at XXXX XXXX on XX/XX/XXXX under the account numbeXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
On XX/XX/year>2025 the company Planet Home Lending LLC acquired my account through a sell off from my previous provider. Upon attempting to create my online account to make a payment, this company REQUIRES me to enter my SSN. I don't believe the company 's website is secure as it bears no XXXX  or a lock icon in the browser. When I called them to discuss another way to create my account ( which I verified over the phone ), I was told there is NO way I can create one without entering my SSN on their website. I already have an account number from them, and they already have my information on file. When I asked to speak to someone above that representative, I was placed on hold and subsequently hung up on.. I did not ask this company to acquire my mortgage, I did not apply for a mortgage with this company, but now they OWN my account and are requiring me to enter my SSN. I'm just attempting to make my payment.. 

Further, this company has sent me XXXX  documentation, loan statement, or any contact whatsoever that they were required by law to send 15 days PRIOR to the effective transfer date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Strategic Alliances, Inc.
State: MI

Complaint narrative:
1. A representative of the debt collector has come to my residence in person.

2. During one or more visits, they instructed my XXXX  children to call me at work, involving them in the matter without my consent.

3. I have not received written validation of the alleged debt, including account details, original creditor, or proof of ownership.

4. These actions have caused emotional distress and are clearly intended to harass and intimidate me into paying a debt that I do not acknowledge or understand.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/year> I sent request to company and have not heard from them. I advised that I did not authorize them to share my information. 

The company 's name is Comenity Capital/XXXX and it appears on each of my credit reports.... XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently examined my credit report and identified an account with inaccurate information. Specifically, two payments were reported as late, despite being paid on time. Consumer reporting agencies are obligated to ensure all data is fully accurate, and this account does not reflect my timely payments. I have attached a copy of my credit report to this complaint, highlighting the error for the date of XXXX, XXXX and XXXX, XXXX. I request that you promptly investigate this matter and correct the payment status to reflect they were paid on time. Thank you for your attention and swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AZ

Complaint narrative:
Your agency has violated my right to privacy as guaranteed under federal law. In my previous correspondence, I gave you the opportunity to voluntarily remove the disputed item from my consumer report. This letter serves as my final attempt to resolve this matter before pursuing legal action. The law you are violating is explicitly stated in the Fair Credit Reporting Act : 15 U.S. Code 1681 ( a ) ( 4 ) Congressional Findings and Statement of Purpose There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your continued reporting of this item, despite being notified, demonstrates noncompliance. Should this issue remain unresolved, I intend to seek civil remedies as allowed under : 15 U.S. Code 1681n Civil Liability for Willful Noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter is liable for actual damages or statutory damages ranging from {$100.00} to {$1000.00}. 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance Any person who negligently fails to comply is liable for actual damages and, if successful in enforcing liability, the costs of the action and attorneys fees. As a consumer, I have the right to privacy under 15 U.S. Code 1681a ( 4 ). The reporting of this bankruptcy is a violation of that right, and it must be deleted from my consumer report immediately. Failure to comply will result in my filing a claim for monetary damages in small claims court within my city and state. Additionally, I have forwarded this matter and previous correspondence to the following agencies : Consumer Financial Protection Bureau ( CFPB ) Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission ( FTC )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint to report that I was a victim of the XXXX XXXX XXXX XXXX XXXX  Engagement Number : XXXX ), which exposed the personal information of over XXXX XXXX individuals, including mine. As a direct result of this breach, there are multiple fraudulent and unauthorized accounts and credit inquiries that have appeared on my credit reports without my knowledge or consent. 

These accounts and inquiries are not mine, and I did not authorize them in any capacity. Despite my efforts to dispute this information with the credit reporting agencies, the inaccurate data has not been fully removed or properly investigated. This situation has caused significant harm to my credit profile and has resulted in me being denied access to credit opportunities.

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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 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: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc.
State: TN

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. I was repeatedly told by loan officers at 1666B 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 1666B, 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 explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
I paid my collection to Cedars Business Services on XX/XX/year>. I was in the process of buying a home so I needed them to report to the credit bureaus and have the collection deleted from my report. They stated that they report weekly. I waited 7 days and called back and was told that they reported on XX/XX/XXXX that the account was paid and closed ; however, that was not the truth. I have contacted them almost every week and they requested that I send screenshots so they could " escalate it. '' Today, XX/XX/year>, makes 30 days since I have paid off this collection and it is STILL on my credit reporting UNPAID and open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I'm reaching out to demand the immediate deletion of an unauthorized credit inquiry made by your company, which now appears on my credit report. I want to be absolutely clear : I never gave permission, written or verbal, for my credit to be pulled. 

This inquiry was made without my knowledge or consent, and as such, it constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Not only is this a breach of my privacy, but its also damaging to my credit profilecompletely without justification. 

Let me state this plainly : I did not apply for credit with your company. 
I did not authorize any inquiry, soft or hard. 
I have no existing relationship with your organization that would legally justify accessing my credit 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 2025-06-13 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: MD

Complaint narrative:
Upon reviewing my credit report, I found several accounts that are inaccurately reported in violation of the Fair Credit Reporting Act. My XXXX  card account, opened on XX/XX/XXXX, is still listed as a XXXX despite being past the XXXX reporting limit. Similarly, my XXXX XXXX account XXXX opened on XX/XX/XXXX, and an account from First Financial XXXX XXXX XXXX XXXX both still appearing on my report even though they are also beyond the XXXX threshold. In addition, XXXX XXXX is showing as " verified, '' but I have not received proper debt validation as required under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report, I found several accounts that are inaccurately reported in violation of the Fair Credit Reporting Act. My XXXX  card account, opened on XX/XX/XXXX, is still listed as a XXXX despite being past the XXXX reporting limit. Similarly, my XXXX XXXX account XXXX opened on XX/XX/XXXX, and an account from First Financial XXXX XXXX XXXX XXXX both still appearing on my report even though they are also beyond the XXXX threshold. In addition, XXXX XXXX is showing as " verified, '' but I have not received proper debt validation as required under the Fair Debt Collection Practices 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 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Recuvery LLC
State: GA

Complaint narrative:
On XX/XX/year>2025 I mailed Recuvery Legal Department XXXX. XXXX  XXXX, XXXX, CA XXXX requesting the original contract and gave them to the end of XX/XX/scrub> 2025 to provide the contract, they didn't. They have not removed it and refuse to send the contract even after the 30 days has passed. They then refused to answer calls from me but still attach the debt to my credit report. I am mailing them a certified letter now and XX/XX/scrub> 2025 that someone will have to sign for in order to receive to ensure they get my letter again. They threaten to take legal action, threaten my credit report, and under the SCRA refuse to reduce interest as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation