vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: OR

Complaint narrative:
To Whom It May Concern, I am in the process of trying to purchase a home for the first time and i ran into some concern on my report. I am writing to formally dispute unauthorized hard inquiries that appear on my Transunion credit report. I did not authorize the following companies to access my credit file, nor did I apply for credit with them. Therefore, these inquiries are inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681. 

The inquiries in question are : XXXX XXXX, LLC Date of Inquiry : XX/XX/year> XXXX XXXX, LLC Date of Inquiry : XX/XX/year> Because I never granted permission for these inquiries, I am requesting that they be removed from my credit report immediately. These unauthorized inquiries are negatively impacting my credit score and misrepresent my credit activity. 

Please investigate these matters and remove the unauthorized inquiries from my credit file within 30 days, as required under the FCRA. Once your investigation is complete, please provide me with a written statement confirming the deletion of these inquiries. Upon request I have provided copies of my government issued ID and a recent utility bill for verification. I have filed an Identity theft report with the Federal Trade Commission and XXXX and am including a copy of this report with my dispute. 

Thank you for your prompt attention to this matter.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
To Whom It May Concern, I am in the process of trying to purchase a home for the first time and i ran into some concern on my report. I am writing to formally dispute unauthorized hard inquiries that appear on my Transunion credit report. I did not authorize the following companies to access my credit file, nor did I apply for credit with them. Therefore, these inquiries are inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681. 

The inquiries in question are : XXXX XXXX, LLC Date of Inquiry : XX/XX/year> XXXX XXXX, LLC Date of Inquiry : XX/XX/year> Because I never granted permission for these inquiries, I am requesting that they be removed from my credit report immediately. These unauthorized inquiries are negatively impacting my credit score and misrepresent my credit activity. 

Please investigate these matters and remove the unauthorized inquiries from my credit file within 30 days, as required under the FCRA. Once your investigation is complete, please provide me with a written statement confirming the deletion of these inquiries. Upon request I have provided copies of my government issued ID and a recent utility bill for verification. I have filed an Identity theft report with the Federal Trade Commission and XXXX and am including a copy of this report with my dispute. 

Thank you for your prompt attention to this matter.

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 2025-08-18 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:
XX/XX/XXXX To : Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. Box XXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Identity Theft Dispute Fraudulent Collection Account XXXX XXXX  {$840.00} To Whom It May Concern, I am formally disputing a fraudulent collection account reported under the name XXXX XXXX  in the amount of {$840.00}, which they allege is being collected on behalf of XXXX XXXX XXXX  XXXX. I have never applied for, opened, or authorized any credit card account with XXXX XXXX XXXX  XXXX, nor have I ever entered into any financial relationship with XXXX XXXX. 

This is an instance of identity theft. My personal information was compromised in both the XXXX XXXX Data Breach and the Equifax Data Breach. I have provided an FTC Identity Theft Affidavit documenting this crime. Because this account is fraudulent, its reporting is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The following laws apply : 15 U.S.C. 1681c-2 ( FCRA 605B ) Requires CRAs to block and delete information resulting from identity theft upon receipt of an FTC affidavit and supporting documentation.

15 U.S.C. 1681i Requires a reinvestigation of disputed information and deletion of unverifiable or fraudulent data.

15 U.S.C. 1681e ( b ) Mandates reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681b Limits the furnishing and use of consumer reports to permissible purposes, which does not apply here.

15 U.S.C. 1681n & 1681o Establish liability for willful and negligent noncompliance.

15 U.S.C. 1692g ( FDCPA ) Requires debt collectors to provide validation of a debt, including assignment contracts, which XXXX XXXX has failed to do. 
15 U.S.C. 1692c ( c ) Prohibits continued collection efforts once a debt has been disputed.

Because I have never authorized this debt, and because it is the product of identity theft, I hereby demand the immediate and permanent deletion/blocking of the XXXX XXXX  {$840.00} collection account from all of my credit files with Experian, Equifax, and TransUnion. 
Please confirm in writing within 15 days that this account has been permanently removed. If this demand is not honored, I will escalate this matter with the CFPB, FTC, and State Attorney Generals Office, and I will seek statutory, actual, and punitive damages for willful noncompliance. 

This fraudulent account has no place on my credit report. Courts do not furnish such data, and no creditor has certified this debt as valid. Its continued reporting is both deceptive and unlawful. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
What happened : I refinanced my mortgage with United Wholesale Mortgage in XX/XX/XXXX after combining XXXX parcels into XXXX. At that time, the loan officer/escrow department XXXX XXXX my escrow payment to reflect {$0.00} property taxes because of the new parcel number. I relied in good faith on their calculations and have been paying my mortgage monthly with escrow included, assuming taxes were being paid. 

In XX/XX/XXXX, I received a delinquent property tax notice from XXXX XXXX treasurer showing that over {$5000.00} in taxes were unpaid. This delinquency occurred because United Wholesale Mortgage failed to pay taxes from my escrow as agreed. 

Steps I took : On XX/XX/XXXX, I mailed a Qualified Written Request ( QWR ) via certified mail to UWMs servicing address, with proof of delivery. I requested an investigation, immediate payment of delinquent taxes, and correction of my escrow account. XXXX has failed to : Acknowledge receipt of my QWR within XXXX business days Provide a written response within XXXX business days This is a violation of RESPA ( XXXX U.S.C. XXXX ). 

To make matters worse, my loan was transferred internally to another XXXX division shortly after, and the new servicer says they can not help because the error occurred under the prior division. Meanwhile, the old divisions system will not allow me to speak with anyone because my loan has been transferred. I am caught in the middle with no response from XXXX, while delinquent taxes and penalties continue to accrue. 

What I want : XXXX payment of my delinquent property taxes to XXXX XXXX to prevent penalties, liens, or risk of foreclosure. 

Waiver or reimbursement of any late fees, penalties, or interest caused by UWMs escrow error. 

Correction of my escrow account going forward to reflect the accurate tax amount. 

A full written explanation of how this mistake occurred and why my QWR was ignored. 

Supporting documents I will upload if requested : Copy of my original QWR letter ( dated XX/XX/XXXX ) XXXX XXXX mail receipt and delivery confirmation Copy of my countys delinquent property tax notice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: LA

Complaint narrative:
I am contacting you to dispute the late payment entry reported on my account. This reporting is false, as my records confirm timely payment. Such an inaccuracy has an unfair and damaging impact on my credit profile.

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 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows 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, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: MI

Complaint narrative:
USC 1681g requires that these invalid accounts be recognized and eliminated within fifteen days of notice.

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 2025-08-18 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} XXXX - Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 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: NC

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 2025-08-18 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: NC

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 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$670.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 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: CBC Companies, Inc.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is a formal dispute regarding an account listed on my credit report that is fraudulent. I have no connection to this account and never authorized it. Its presence is both damaging and misleading, making my credit history appear 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