vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: MS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-30 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: CA

Complaint narrative:
After reviewing my report, and reaching out to the credit bureaus to correct, I have received letters back saying verified? 
My name is not correct, it lists my maiden name on both Equifax as well as Transunion, but is correct on Experian, which I have not used in XXXX  years. 
On my Equifax report It lists XXXX addresses that I have never lived at. 
My employer looks to be a made up name, only Equifax has it correct. 
This mis information is keeping me from moving forward with my home purchase. I have included my XXXX and work ID for your assistance, I would like these items removed and updated with the legal and correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Settled account to a XXXX balance was told I would get a deletion letter for settlement, after settled then was told no they can not give me the deletion letter. I settled this and need a deletion letter for my credit asap please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
IM REQUESTING Date Opened :, Balance Owed, date of first delinquency, date account was charged off AND NOW 1099C

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
IM REQUESTING Date Opened :, Balance Owed, date of first delinquency, date account was charged off AND NOW 1099C

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
In accordance with my rights as a consumer, I am requesting that an inaccurate late payment on my credit file be investigated and, if found unverifiable, removed. I have reviewed my financial statements and confirmed the payment was timely.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reporting a violation of the Fair Credit Reporting Act. 

A charged-off account from XXXX XXXX XXXX was previously removed from my credit report. It has since been reinserted without any written notice from Equifax or TransUnion, which violates FCRA 611 ( a ) ( 5 ) ( B ).

In addition, the account is reporting inconsistently across bureaus ( paid off vs. charged off ), and the balance is inaccurate. 

I am requesting this account be permanently deleted from all reports and am pursuing damages for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: TX

Complaint narrative:
I am reporting a violation of the Fair Credit Reporting Act. 

A charged-off account from CarMax Auto Finance was previously removed from my credit report. It has since been reinserted without any written notice from XXXX XXXX XXXX, which violates FCRA 611 ( a ) ( 5 ) ( B ).

In addition, the account is reporting inconsistently across bureaus ( paid off vs. charged off ), and the balance is inaccurate. 

I am requesting this account be permanently deleted from all reports and am pursuing damages for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX Account # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper documentation and notification, please provide " Certified mail '' with receipt displaying my signature. If not please delete XXXX Account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MN

Complaint narrative:
I had funds in my account And cash app failed to let the drivers license place get the money so I was charged a extra XXXX dollars for no reason of my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Settled account to a XXXX balance was told I would get a deletion letter for settlement, after settled then was told no they can not give me the deletion letter. I settled this and need a deletion letter for my credit asap please

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fig Tech Inc.
State: TX

Complaint narrative:
Settled account to a XXXX balance was told I would get a deletion letter for settlement, after settled then was told no they can not give me the deletion letter. I settled this and need a deletion letter for my credit asap please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Essential Lending Inc
State: TX

Complaint narrative:
Settled account to a XXXX balance was told I would get a deletion letter for settlement, after settled then was told no they can not give me the deletion letter. I settled this and need a deletion letter for my credit asap please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I am writing to dispute a hard inquiry that has been listed on my credit report. I have not given permission to the party responsible for the inquiry to access my credit file, nor have I initiated any credit application with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-29 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am a victim of identity theft. Several accounts that were fraudulently opened under my name continue to appear on my credit reports with XXXX, XXXX, and XXXX. I have previously disputed these items and submitted proper documentation, including a police report and identity theft affidavit.

Despite this, the accounts are still reporting as " verified '' or have been reinserted after removal. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), which requires that consumer reporting agencies block identity theft-related information within four business days after receiving proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CL Holdings LLC
State: NV

Complaint narrative:
I am a victim of identity theft. Several accounts that were fraudulently opened under my name continue to appear on my credit reports with XXXX, XXXX, and XXXX. I have previously disputed these items and submitted proper documentation, including a police report and identity theft affidavit. 

Despite this, the accounts are still reporting as " verified '' or have been reinserted after removal. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), which requires that consumer reporting agencies block identity theft-related information within four business days after receiving proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 refiling this complaint because Equifax closed a previous dispute case without correcting the issue. I have been disputing incorrect personal information on my credit file since XX/XX/year>. 

I sent my : Social Security card State-issued ID Utility bill ( proof of address ) I explicitly requested they correct my name to XXXX XXXX XXXX and delete any data associated with other names, such as XXXX XXXX XXXX XXXX which is NOT my name. 

Despite this, Equifax continues to : Send letters under the wrong name Leave incorrect names associated with my credit report Fail to fully investigate or correct the file even after I filed a fraud alert I have just resent a full dispute package ( including updated proof ) and am demanding the correction of my name and removal of any names/accounts not belonging to me. Equifax is not meeting their obligations under the Fair Credit Reporting Act ( FCRA ) and continues to mishandle my identity and personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
Old account closed years ago, still reporting on my credit. Called the company twice for a deletion letter so can have removed from my credit, they said can not locate account to provide letter, to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
FCRA 611 ( a ) ( 1 ) ( a ) My personal and financial data was compromised, violating FERPA. I request full cancellation of my student loan 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
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
Acct # XXXX is violating my consumer rights. This creditor reports XXXX balance due but yet has XXXX days past due. This is a charge off yet reporting as past due. I can't be charged off and yet at XXXX balance and yet XXXX days or more past due. According to FCRA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-29 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: LA

Complaint narrative:
I submitted a dispute to TransUnion concerning a high balance amount of XXXX listed from XXXX on XXXX account. Upon review from lender, this is erroneous. There has NEVER been such a high amount on this account. There was a request for a credit limit increase in XX/XX/XXXX and a payment to an attorney was made in the amount of XXXX on XX/XX/XXXX. There is no such high balance amount ever listed on this account. 
TransUnion lists my credit utilization at 14 % when it was actually 6 %. TransUnion lists my Credit accounts XXXX but it is XXXX In addition to XXXX ( now FICO ), TransUnion is monitoring my credit 2 or more times a month. This poses a conflict between creditors reporting of billing cycles and consumer credit balances. The latter appears to be the rule with both TransUnion and or XXXX causing numerous drops in my FICO score from XXXX to currently XXXX. For example, TransUnion lists the high balance amounts of XXXX  XXXX but the actual balance XX/XX/XXXX was {$4000.00} which received payments of {$800.00} and {$1000.00} after per month since XX/XX/XXXX thus XXXX amount would be erroneous as reported by creditor of statement balance. 
TransUnion reported a drop score due to credit balance of XXXX ( XXXX ) An inquiry to TransUnion stating the credit amounts for both accounts XXXXXXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) were both incorrect. TransUnion resolved only " one '' dispute by informing that the XXXX XXXX account was deleted and dropped the score further to XXXX. XXXXXXXX XXXX was never addressed ( XXXX ) and the account was just recently updated to this amount. TransUnion followed up with a drop ( XXXX ) due to " credit decrease '' of XXXX. 
In conclusion, TransUnion is utilizing my " credit balances '' vs my credit statements from creditors to determine my credit worthiness.

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 2025-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
This case involves a property title based on false land surveys and manipulated deed records dating back to the original estate grid in New Hampshire. The mortgage in question was issued on land that was never lawfully conveyed, making the instrument void ab initio. 

I have filed a quiet title action and submitted a motion for summary judgment in state court, supported by historic maps and evidence of fraud in land subdivision and recordation. 

I respectfully request that you review these filings and ensure the mortgage servicer is investigated for issuing or servicing a loan on clouded title. Supporting documents are attached.

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 2025-06-29 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
According to 15 USC 1692C, the following third party credit reporting agencies transition, XXXX, and XXXX  have violated these laws and my rights to utilize these laws. I am requesting to have all late payments, collections, and hard inquiries removed from my credit history from this debt buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation