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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I requested Transunion to update my credit profile and remove the XXXX unauthorized inquiries which were XXXX XXXX XXXX and XXXX XXXX. The agent stated I have to file a complaint with the CFPB to have both inquiries removed. I have also identified inaccuracies on late payment history. They updated a charge off to reflect paid as agreed however, the damage was already sustained to my credit score. Im requesting all my accounts to be accurate and state paid as agreed. My credit limits were decreased because of the inaccurate information on my credit files. I have the letters to prove that statement as well.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution of my prior dispute submitted on XX/XX/year>, concerning multiple unauthorized credit inquiries that continue to appear on my consumer report. Despite the time elapsed, I have not received any meaningful resolution or documentation in response. 
According to my rights under the Fair Credit Reporting Act ( FCRA ), I am protected from unauthorized access to my credit file and entitled to full transparency and corrective action when such access occurs. Specifically, I invoke the following sections : Applicable Legal Basis Section 611 ( 15 U.S.C. 1681i ) : Mandates that credit reporting agencies must promptly and reasonably investigate any disputed information. Over 30 days have passed since my initial dispute, and no proper reinvestigation or results have been provided.

Section 609 ( 15 U.S.C. 1681g ) : Grants me the right to obtain full disclosure of the information in my credit file, including a record of who accessed it and the results of any investigation. This has not been fulfilled.

Section 604 ( 15 U.S.C. 1681b ) : Defines the only permissible purposes under which my credit report may be accessed. These inquiries were made without my knowledge or consent and do not qualify under any allowable criteria. 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I never authorized these inquiries, nor was I presented with any terms of credit, application, or consent relevant to these entities.

Formal Request for Resolution I hereby demand the following actions be taken without further delay : Reinvestigation : Conduct a thorough and documented reinvestigation of each inquiry listed above.

Removal : Delete all inquiries found to lack a permissible purpose or valid consumer authorization.

Updated Credit Report : Provide me with an updated and corrected copy of my credit report once all unauthorized inquiries have been removed.

Verification Documents : Provide written documentation explaining the basis under which each inquiry was made, including certification of authorization or proof of any alleged consumer application.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Complaint Against : Experian Reporting of XXXXXXXX XXXX XXXX Account Original Creditor : XXXX ( XXXX  ) Account Number ( partial ) : XXXX I am requesting the immediate removal of a collection account reported by XXXX XXXX XXXX XXXX on my Experian credit report for the following reasons, in full compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : This collection account, originally with XXXX XXXX XXXX a " Date Opened '' of XX/XX/XXXX, which conflicts with the actual delinquency timeline, as collections are being reported as early as XX/XX/XXXX. This discrepancy violates FCRA 1681e ( b ) which requires consumer reporting agencies to ensure maximum possible accuracy. The payment history section reflects a collection status from XX/XX/XXXX to XX/XX/XXXX, but the " date opened '' is shown as after the derogatory activity started. This inconsistency is materially misleading and harmful.

Additionally, under FCRA 1681c ( Section 605 ( a ) ), adverse information, including collections, may not be reported more than 7 years from the original date of first delinquency. Since this account likely stems from an older XXXX billing issue prior to the collection transfer, the date should reflect the original delinquency not the date the debt was acquired by XXXX. XXXX. Reporting a newer " open date '' resets the reporting period, violating the statute of limitations for credit reporting.

Furthermore, I have not received proper written validation of this debt under 15 U.S. Code 1692g ( FDCPA ), and continued reporting without proper verification is a violation of my consumer rights. This ongoing misreporting is causing me significant emotional distress, XXXX and has directly impacted my ability to secure credit, housing, and peace of mind.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
# XXXX on XX/XX/XXXX my employer paid me {$70.00}. Less than 20 minutes my money was withdrawn, put back, moved accounts and than sent to XXXX XXXX ( who i do not know ) I did not make this transaction. And I just want or hope I can get my money back. Please help

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This collector engaged abusive deceptive and unfair practices of the FDCPA, which it prohibits. XXXX XXXX XXXX XXXX loan requested XXXX XX/XX/year> loan denied for : not enough information on my credit report XXXX XXXX XXXX  loan requested XXXX loan denied for : not enough information on my credit report XXXX XXXX loan requested XX/XX/year> loan denied XX/XX/year> denied for " Credit bureau information is missing or unavailable

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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
I AM UNAWARE OF THIS ACCOUNT. AGE OF ACCOUNT SHOWS XXXX MONTHS. I HAVE NOT HAD XXXX FOR XXXX YEARS. PAYMENTS DETAILS ARE MISSING. THIS IS A FRAUDULENT ACCOUNT.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  CB XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CB XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  CB XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CB XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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: OH

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
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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Equifax is reporting the wrong address I had disputed this for a couple weeks did not change. I am a victim identity theft My address is XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX ohio

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Equifax is reporting the wrong address I had disputed this for a couple weeks did not change. I am a victim identity theft My address is XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX ohio

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file an urgent and formal complaint against Equifax, Experian, and TransUnion for allowing and reporting unauthorized, fraudulent credit inquiries on my credit reports, which are a direct result of identity theft. 
These inquiries were not made, initiated, or authorized by me under any circumstance. Their presence on my reports is a gross violation of my rights under the Fair Credit Reporting Act ( FCRA ) and is causing substantial and ongoing damage to my credit and personal finances. 

Unauthorized Inquiries ( Fraudulent Activity ) : 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  Under 15 U.S.C . 1681b ( f ), it is unlawful for any person to obtain a consumer report unless they have a permissible purpose and the consumer has authorized it. These inquiries were conducted without my consent and therefore violate federal law.

Furthermore, 15 U.S.C. 1681c-2 entitles me, as a victim of identity theft, to demand the permanent blocking and removal of any item on my credit report resulting from such fraud, including unauthorized inquiries.

I am demanding : Immediate deletion and permanent blocking of all unauthorized inquiries from all three credit reports ; -A full reinvestigation of each inquiry as required under 15 U.S.C. 1681i ; -Written confirmation that these items have been removed from my file.

Enclosed Documentation : Government-issued photo ID Proof of current address A completed FTC Identity Theft Report Let me be absolutely clear : I did not authorize these inquiries. Any continued reporting of them is a violation of the FCRA and opens the door for legal action, including complaints with the Federal Trade Commission and the Office of the Attorney General, and potential civil litigation for damages.

This matter must be handled with the seriousness it deserves. I expect prompt action and a full written resolution within the time allowed by 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 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
I first learned of this debt to XXXX for {$320.00} when Waypoint Resources called me on XX/XX/XXXX. When I last spoke with someone about my account, I asked for any information they had so I could research this debt further. They told me they could not provide any details regarding my account. This call occurred on XX/XX/XXXX, at XXXX XXXX PST. 

XXXX has assured me that none of my accounts are in collections, and they confirmed that all of my accounts are either paid in full and closed, or current. 

After emailing and asking for any documentation they had, they sent me a statement from XXXX. It has my name and my old address on it. It was a disconnect notice with a billing date of XX/XX/XXXX. I then sent them XXXX separate statements to show them that I had no balance with XXXX. XXXX was for when we moved, the balance transferred was {$0.00}, and the account that was transferred was a different account number than the one on the statement they sent me. I sent them XXXX from some time in the middle, along with my most recent statement showing that I am current on all of these statements. 

XXXX told me that if there was a debt, even XXXX sent to collections, they would be able to see it. They looked into it using my name, address, and my phone number which hasn't changed in almost 15 years. 

I have disputed this debt with XXXX and tried to dispute it with Waypoint directly, somehow XXXX keeps leaving the debt on my credit report, even when I sent them all of this documentation as well. This is the only thing that I have in collections and I would really like this to be taken off, since even the original creditor told me on XXXX separate occasions that this was not my debt.

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