vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: MI

Complaint narrative:
I am filing this complaint against TransUnion and Experian for their failure to remove unauthorized credit inquiries that continue to appear on my credit reports. These inquiries were made without my knowledge or consent and violate the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which limits the release of a consumers file to permissible purposes only.

A credit inquiry may only occur with my written authorization, a firm offer of credit, or an existing account relationship. I did not authorize the inquiries listed below. Reporting inquiries without authorization is inaccurate and violates the agencies obligation to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

Unauthorized Inquiries Reported 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  Date of inquiry : XX/XX/2024 Prior Attempts to Resolve I have already disputed these inquiries multiple times with both bureaus, providing sufficient opportunity for correction. Despite this, the bureaus continue to report the unauthorized inquiries and have not provided verification of permissible purpose.

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 2025-09-12 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX XXXX XXXXXXXX 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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Debt Validation Request To Whom It May Concern : I am writing to request validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. The name and address of the original creditor.

2. The full account number associated with the original debt.

3. A copy of the original signed agreement or contract creating this obligation.

4. An itemized accounting of the alleged debt, including principal, interest, fees, and any other charges. 
5. Documentation showing that XXXX XXXX XXXX is legally authorized to collect this debt in my state. 

Until you provide this documentation, please consider this debt disputed. Be advised that reporting unverified information to any credit reporting agency may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

Additionally, under the FDCPA, all collection activity must cease until proper validation is provided.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
This morning around XXXX I got a call from a restricted number stating they were from the police department and said I had missed federal jury duty and I needed to pay my fines now otherwise Id be picked up at my house or job if I hung up or didnt sent funds, obviously I was scared and confused and didnt want to go to jail so I decided to comply not knowing it was a scam, the man on the phone reassured me gave me his badge number and his name XXXX XXXX XXXX Stating he was an officer. I believed him and listened to my fines for missing federal jury duty which I knew I would never do but it all happened so fast and I didnt realize what was happening until I officially sent this person money {$440.00} through Zelle to this specific email XXXX, and had me send a screen shot to this phone number of the transaction ( XXXX ) they said something went wrong and I needed to send them {$440.00} again and write my citation # XXXX in the notes and send again, I was XXXX at this point but still compliant and was trying to send it again when luckily my bank app denied and locked me out. This person had me 3 way Call with my banking app on the phone and be silent on the other end. Im sure they heard me type my XXXX digit card # they heard my bday prob have my last XXXX of social At this point. Im terrified. Luckily I came to my senses and realized i was getting scammed hung up and dialed us bank and cancelled my card and created a fraud claim. Unfortunately I was XXXX and I probably wont see my {$440.00} again. Hopefully you can do something with this info and catch the low life who stole my hard earned money. Ive had a hard year, month, week, life and he just kicked me when I was already down. I am so devastated I know XXXX isnt a lot to most people but it is me someone who lives paycheck to paycheck and just got paid today. I hope karma gets them and I hope my issues get resolved. Anyways sorry for trauma dumping Im clearly upset, thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-09-12 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: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-12 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: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TN

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirmed would be removed but remains on my report ; it is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed TransUnion a certified Method of Verification ( MOV ) request regarding several disputed accounts. USPS confirmed delivery on XX/XX/year>. In my letter, I requested furnisher contact information, verification procedure, original agreements, XXXX payment histories, itemized balances, and removal of inaccurate personal information. 

TransUnion did not provide this. Instead, they responded with a generic verified result. My XX/XX/year> TransUnion credit report still shows the same inaccurate items : XXXX XXXX XXXXXXXX {$9900.00} charge-off remains ; no XXXX lien release , or 1099-C provided. 
XXXX  Multiple derogatory accounts remain ; one marked paid, others negative, no verification. 
Possible Financial Duplicate accounts still reporting derogatory, no MOV information. 
XXXX / XXXXXXXX XXXX XXXX$760.00} collection still reporting, no billing or ownership proof supplied. 
XXXX Still derogatory, no documentation provided. 
XXXX XXXX  Still derogatory, no payment history or XXXX disclosed. 
XXXX XXXX XXXX Reports late history and high utilization inconsistently compared with other bureaus ; no verification provided. 
XXXX XXXX XXXX XXXX XXXX tradeline remains with no MOV response. 
Personal Information Outdated addresses and aliases remain. 

This shows TransUnion failed to comply with FCRA 611 ( a ) ( 7 ) ( failure to provide MOV ) and 607 ( b ) ( failure to assure maximum possible accuracy ).

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 2025-09-12 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: IL

Complaint narrative:
I am submitting a complaint to dispute several inquiries listed on my credit report, including those from XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. Under the Fair Credit Reporting Act, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) limits the circumstances under which a consumer reporting agency may provide my credit information, and FCRA 619 15 U.S.C. 1681q prohibits false or misleading statements in connection with credit reporting.My report lists a XXXX XXXX XXXX  account ending in XXXX XXXX XXXX XXXX  with a balance of {$19000.00}, reported as charged off. This debt exceeds {$600.00}, yet no IRS XXXX 1099-C has been issued to properly document cancellation of debt. Because this account is reported without proper verification and supporting documentation, it is inaccurate and must be removed from my credit file to comply with FCRA 607 ( b ) 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
I am submitting a complaint to dispute several inquiries listed on my credit report, including those from XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. Under the Fair Credit Reporting Act, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) limits the circumstances under which a consumer reporting agency may provide my credit information, and FCRA 619 15 U.S.C. 1681q prohibits false or misleading statements in connection with credit reporting.My report lists a XXXX XXXX XXXX  account ending in XXXX XXXX XXXX XXXX  with a balance of {$19000.00}, reported as charged off. This debt exceeds {$600.00}, yet no IRS XXXX 1099-C has been issued to properly document cancellation of debt. Because this account is reported without proper verification and supporting documentation, it is inaccurate and must be removed from my credit file to comply with FCRA 607 ( b ) 15 U.S.C. 1681e ( b ).

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently received an offer email from PayPal stating that if I apply for the Paypal credit card and complete the offer, I would receive {$150.00} in rewards. After fulfilling all the requirements, I contacted Synchrony Bank twice to inquire about the reward. However, the representative informed me that since the offer email was from PayPal, I should reach out to them directly. 

Subsequently, I contacted PayPal and was advised to get in touch with Synchrony Bank regarding the matter. This back-and-forth has left me frustrated and without the promised reward. 

I kindly request your assistance in resolving this issue promptly. I would appreciate receiving the {$150.00} reward as promised, either through Synchrony Bank or PayPal. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-09-12 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This is my third time disputing this information which keeps coming back verified and it is incorrect. This account is not mine. Its connected to a name that is not me. It needs to be removed. The proper protocol has not been taken to verify this information because it is still inaccurate.

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 2025-09-12 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-12 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: TX

Complaint narrative:
This situation has led to considerable stress and disrupted my sleep, which is especially frustrating given my diligent compliance with all payment obligations. Encountering problems for actions I didn't take feels unjust. I urge you to address this issue swiftly, correct any inaccuracies in my account, and help restore peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I am disputing the unauthorized credit inquiry currently appearing on my Equifax credit report. I did not initiate this inquiry, did not authorize it, and had no prior relationship or application for credit with the company listed. The inquiry, XXXX on XX/XX/year>, has no permissible purpose under FCRA XXXX, which allows a consumer report to be furnished only when legally authorized. Reporting this inquiry inaccurately violates FCRA XXXX, as Equifax is required to conduct a reasonable reinvestigation when I dispute information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I paid my payment on time, on the day it was due and before XXXX p.m. as stated by their website payment portal. The system didnt process because it was a weekend day. But, it managed to charge a late fee first, and also report to the credit bureaus a balance that includes a late fee that was processed by their system on a weekend day??? I actually paid my balance off and now have a credit because their system charged a {$29.00} fee. This fee is reflected in an incorrect balance that they are reporting to credit bureaus for the XXXX time monthly reporting. I have to always dispute my account in order to correct the balance. But the damage is already done, this process has affected my credit so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

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 2025-09-12 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: FL

Complaint narrative:
I am extremely upset to see that inaccurate accounts are still appearing on my credit report, and they were not removed as they should have been. I am urgently asking that the documents Ive attached be examined carefully so I can finally put an end to this nightmare.

Company response to consumer: Closed with non-monetary relief