vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
I am filing this complaint against my auto loan creditor XXXX XXXX XXXX for inaccurately reporting the status of an account that should have been closed following a voluntary vehicle surrender in 2019. 

The original terms of the loan were 33 months. In 2019, I voluntarily surrendered the vehicle associated with the loan. Despite this, the creditor has continued to report the account as open with a balance due and rolling late payments. 

As of now, the account reflects : XXXX instances of XXXX late payments XXXX instance of XXXX late XXXX instance of XXXX late This is double the original term of the loan, which is not only inaccurate but suggests continuous delinquencies beyond the original loan duration, which is factually impossible since the vehicle was surrendered and I was no longer in possession or responsible for further monthly payments after that point. 

The creditor failed to close the account upon surrender, which has allowed these false late marks to accumulate for years. As a result, this tradeline has caused severe damage to my credit score and has prevented me from obtaining a home loan, resulting in undue financial and emotional hardship. 

I have attempted to resolve this with the creditor, but they have refused or failed to correct the inaccurate 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 2025-08-11 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: NC

Complaint narrative:
I am filing this complaint against my auto loan creditor XXXX XXXX XXXX for inaccurately reporting the status of an account that should have been closed following a voluntary vehicle surrender in 2019. 

The original terms of the loan were 33 months. In 2019, I voluntarily surrendered the vehicle associated with the loan. Despite this, the creditor has continued to report the account as open with a balance due and rolling late payments. 

As of now, the account reflects : XXXX instances of XXXX late payments XXXX instance of XXXX late XXXX instance of XXXX late This is double the original term of the loan, which is not only inaccurate but suggests continuous delinquencies beyond the original loan duration, which is factually impossible since the vehicle was surrendered and I was no longer in possession or responsible for further monthly payments after that point. 

The creditor failed to close the account upon surrender, which has allowed these false late marks to accumulate for years. As a result, this tradeline has caused severe damage to my credit score and has prevented me from obtaining a home loan, resulting in undue financial and emotional hardship. 

I have attempted to resolve this with the creditor, but they have refused or failed to correct the inaccurate 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 2025-08-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
I discovered an unauthorized credit inquiry from XXXX XXXX  XXXX on my Experian credit report, dated XX/XX/2025. I have never applied for credit, products, or services with this company, and I have not provided written authorization for them to access my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only provide a credit report if there is a permissible purpose, such as my written consent or an application initiated by me. This inquiry does not meet those criteria. 

Company Name : XXXX XXXX  XXXX Description of the issue : I discovered an unauthorized credit inquiry from XXXX XXXX  XXXX on my Experian credit report, dated XX/XX/2025. I have never applied for credit, products, or services with this company, and I have not provided written authorization for them to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only provide a credit report if there is a permissible purpose, such as my written consent or an application initiated by me. This inquiry does not meet those criteria. 

I am requesting that this company provide documented proof of permissible purpose, including any application or agreement bearing my signature, or have the inquiry removed from my credit report immediately.

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 2025-08-11 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: LA

Complaint narrative:
I discovered an unauthorized credit inquiry from XXXX XXXX  XXXX on my XXXX  credit report, dated XX/XX/year>. I have never applied for credit, products, or services with this company, and I have not provided written authorization for them to access my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only provide a credit report if there is a permissible purpose, such as my written consent or an application initiated by me. This inquiry does not meet those criteria. 

Company Name : XXXX XXXX  XXXX Description of the issue : I discovered an unauthorized credit inquiry from XXXX XXXX  XXXX on my XXXX  credit report, dated XX/XX/year>. I have never applied for credit, products, or services with this company, and I have not provided written authorization for them to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only provide a credit report if there is a permissible purpose, such as my written consent or an application initiated by me. This inquiry does not meet those criteria. 

I am requesting that this company provide documented proof of permissible purpose, including any application or agreement bearing my signature, or have the inquiry removed from my credit report immediately.

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 2025-08-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I discovered an unauthorized credit inquiry from XXXX XXXX  XXXX on my XXXX  credit report, dated XX/XX/year>. I have never applied for credit, products, or services with this company, and I have not provided written authorization for them to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only provide a credit report if there is a permissible purpose, such as my written consent or an application initiated by me. This inquiry does not meet those criteria. 

Company Name : XXXX XXXX  XXXX Description of the issue : I discovered an unauthorized credit inquiry from XXXX XXXX  XXXX on my XXXX  credit report, dated XX/XX/year>. I have never applied for credit, products, or services with this company, and I have not provided written authorization for them to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only provide a credit report if there is a permissible purpose, such as my written consent or an application initiated by me. This inquiry does not meet those criteria. 

I am requesting that this company provide documented proof of permissible purpose, including any application or agreement bearing my signature, or have the inquiry removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies. I entered into a loan agreement with SYN. A tradeline reflecting this account was added to my credit reports shortly thereafter. My first payment was reported to the credit bureaus, however this was included in a XXXX  and shows lates after the bankruptcy was dismissed. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation. Accordingly,

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 2025-08-11 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 the process of applying for XXXX XXXX for my son I discovered my information had been used to create a fraudulent account at XXXX. So then I wanted to check my credit reports. When I tried to login to Experian I found that account had also been compromised. I entered my SS # and birthdate and attempted to recover the account, but when they showed the partial email address and phone numbers associated with the account and needed to complete the recovery process, they were not mine. I was unable to proceed online, so I attempted to get in touch with them by phone. Their automated phone service answered and I made the selections to indicate I was calling to report fraud. The automated phone service said they needed to verify my info before transferring me to someone who could help. I gave my info, but it did not pass verification since my account is hacked and my info is changed. I tried to get through the automated phone system several different ways, but always ended up with the result that they would not transfer me to anyone since I did not pass verification. Their website does not give any other way to contact them to resolve this issue - no email address, no online chat - Nothing but a mailing address. This is an agency that I thought was supposed to protect my credit information and instead they are aiding and abetting fraud by giving no way to quickly recover and resolve a hacked account. Experian should not be allowed to exist with such huge holes in their security. 

I have attached a screen shot of the recovery screen I saw with the fraudulent information when I was attempting to recover my account. 

I'm not complaining against XXXX because they at least did provide an email and phone number I could contact about my hacked account - although no one answers the phone number they provided.

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 2025-08-11 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I do not recognize these accounts and suspect they are fraudulent. Please investigate and remove them from my credit report. Supporting evidence is enclosed.

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 2025-08-11 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Receivables Network
State: NJ

Complaint narrative:
Re : Cease and Desist Pursuant to 15 U.S.C. 1692c ( c ), 47 U.S.C. 227, and XXXX XXXXXXXX To Whom It May Concern, I am formally exercising my rights under federal and XXXX XXXX XXXXXXXX XXXX to demand that you immediately cease all telephone calls, text messages, emails, letters, or any other communication to me, my family, my employer, or any third party regarding any alleged debt. 

This demand is made under the following authorities : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) : Prohibits third-party debt collectors from contacting me after receipt of this written notice, except for limited legal reasons. 
2. Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 : Prohibits use of autodialers, prerecorded messages, or unsolicited calls/texts to my number without prior express consent. Consent is hereby revoked. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX : Authorizes the XXXX XXXX XXXX XXXX XXXX XXXX to issue cease and desist orders to entities engaging in unlawful practices, including debt collection violations. Failure to comply with such orders can result in civil penalties and further legal action. 

You are hereby instructed to stop all collection calls, messages, and written contact. The only permissible contact is a single written notice confirming that you will no longer communicate with me, or to advise of specific legal action. 

Failure to comply will be documented and may result in legal action, including claims for statutory damages under the FDCPA ( {$1000.00} per violation ) and TCPA ( {$500.00} to {$1500.00} per illegal call/text ), plus any applicable state penalties under XXXX. XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have recently received a letter from Equifax indicating that the information I provided as proof of my identity does not match the information you currently have on my credit file. 
To verify my current residence, I have attached water bills and a Social Security Card, as proof of official documents in my name that clearly show my current address. These documents serve as proof of my residency and should be used to update your record

Company response to consumer: Closed with explanation