vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
This morning, I was extremely frustrated to see an unauthorized inquiry on my credit report. I have no idea how it got there. I check my report regularly, and this unexpected discrepancy is deeply upsetting. I even refreshed my browser thinking it was a glitch, but nothing changed. I need this issue resolved immediately, and I want the documents I submitted to be reviewed thoroughly so I never have to worry about this happening again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 15 USC 166b A creditor may not treat a payment on a credit card account under an open account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 

I never gave you, Experian, Equifax, XXXXXXXX XXXX XXXX XXXXXXXX, any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. EQUIFAX, EXPERIAN and TRANSUNION has caused severe stress and XXXX due to the abusive and unfair practices. 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX NOTE : I was never late on ( XX/XX/year> ) ( XX/XX/year> ) on this account. Please update the account as Paid/Current. 
ACCOUNT NUMBER : XXXX NOTE : I was never late on ( XXXX XXXX ) ( XXXX XXXX ) on this account. Please update the account as Paid/Current. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 1681 ( a ), you must complete the reinvestigation within 30 days of receipt of this letter.

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 2025-05-28 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: CT

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX Date : [ XX/XX/XXXX ] TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several hard inquiries listed on my TransUnion credit report that I do not recognize and did not authorize. As allowed under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into the following inquiries and prompt removal if they are found to be unauthorized or inaccurately reported. 

The inquiries in question are as follows : XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I respectfully request that TransUnion investigate these inquiries and provide documentation showing that I authorized them. If such documentation can not be provided, I ask that these inquiries be removed from my credit file promptly. 

Please respond to this dispute in writing within the 30-day period as required under the FCRA. I have enclosed a copy of my identification and proof of address to assist in your investigation. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account whitout my written instructions.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-28 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 did not consent to, authorize, or benefit from any of theitems listed. Please remove them. These accounts are fraudulent and inaccurate, resulting from identity theft stemming from the data breaches of the three credit bureaus. The FTC and CFPB are investigating. According to FCRA 605B, this information must be blocked immediately until the investigation concludes. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Date XXXX Reference # : 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 non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate and potentially unverifiable information being reported on my credit file by various creditors and credit bureaus. I have attempted to resolve these issues through the respective credit reporting agencies without satisfactory resolution and now request the intervention of the CFPB to facilitate an investigation. 

Below are the accounts in question : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Dispute Reason : * * This account reflects a {$0.00} balance yet continues to be marked as a collection. This may be outdated or inaccurately reported. 

XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Dispute Reason : * * Account appears closed and charged-off, but reporting inconsistencies remain with status and dates. Please verify all data. 

XXXX. XXXX XXXX Account Numbetr : XXXX Date Opened : XX/XX/XXXX The account shows a closed status, but reported dates and details XXXX be inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : * * XX/XX/XXXX Missing key identifiers, such as the full account number, I request validation of all associated entries. 

I respectfully request that the CFPB investigate these matters under the authority granted by the Fair Credit Reporting Act ( FCRA ) and ensure that any unverifiable or inaccurate data is removed or corrected. 

Thank you for your time and assistance in this matter. I look forward to your response and a resolution of these discrepancies. 

Sincerely, XXXX XXXX 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-28 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:
To Whom It May Concern, My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section XXXX of the Fair Credit Reporting Act ( XXXX  ), as they are the result of identity theft. 

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 


Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status Credence Resource Management XX/XX/XXXX {$660.00} Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$3600.00} Collection/Charge Off Supporting Documentation Included : XXXX. A copy of my government-issued ID ( drivers license ). 
XXXX. A signed copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 
XXXX. A copy of the police report documenting the identity theft incident. 

Relevant Background on Data Breaches My personally identifiable information ( PII ) may have been compromised during XXXX or more of the following data breaches, which have affected millions of consumers : Equifax ( XXXX ) : Exposed SSNs, birthdates, and credit information of XXXX XXXX individuals. 
XXXX / Experian ( XXXX ) : Compromised drivers license and SSNs of over XXXX XXXX applicants. 
XXXX  XXXX ( XXXX ) : Included personal and financial data of XXXX XXXX individuals. 

These breaches likely contributed to the unauthorized use of my identity and the fraudulent activity on my credit file. 


Request for Immediate Action UndeXXXX FCRA XXXX XXXX, you are required to block these fraudulent accounts and inquiries from my credit report within XXXX ( XXXX ) business days of receiving this request and the supporting documentation. Additionally, please notify the creditors listed above that the disputed items were the result of identity theft and should no longer be pursued or reported. 

Please send written confirmation once the removal and blocking have been completed. If you need additional information, I am reachable at the contact information provided above. 

Thank you for your time and immediate attention to this matter. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account whitout my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List of Unauthorized Inquiries : XXXX  - 2025-XXXX XXXX XXXX XXXX - 2025-XXXX XXXX - 2025-XXXX XXXX XXXX - 2025-XXXX XXXX - 2025-XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-28 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00}

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 2025-05-28 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: NV

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent account on my credit file that I would like to be removed. I see that some items have been removed, but there is XXXX more remaining. I am requesting that Experian, Equifax, and TransUnion remove the fraudulent account from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX {$990.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: AZ

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XXXX XXXX  keeps reporting to all credit company after vehicle was paid off with XXXX  insurance and vehicle was also sold. Their information in my credit is wrong and if its affecting my life. In need this account deleted from all credit companys XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am reaching out to formally dispute the inaccurate reporting of a bankruptcy on my credit file. I have obtained official documentation from the court that clearly confirms this bankruptcy should not be appearing on my credit report. Despite this, it continues to be listed, which is both misleading XXXX XXXX  to my credit profile. What makes this matter even more serious is the involvement of XXXX XXXX XXXX XXXX which raises serious concerns about the integrity of the reporting process and the potential mishandling of my personal information. This situation requires urgent attention and a thorough review to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are being upheld.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC
State: KY

Complaint narrative:
They sent me a copy of an old XXXX bill with an address I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: AZ

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief