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

Complaint narrative:
Subject : Formal Complaint Unauthorized Credit Inquiries Without My Wet Signature Immediate Investigation and Removal Requested Dear CFPB Complaint Review Team, I am submitting this formal complaint to report multiple unauthorized hard inquiries that appear on my credit reports. These inquiries were made without my knowledge, consent, or prior written authorization containing my wet signature, as required by federal law. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report for credit transactions when the consumer has authorized the inquiry in writing. Furthermore, under FCRA 604 ( a ) ( 2 ), any hard inquiry made without my express written consent is a violation of federal law. 

The following hard inquiries were unauthorized, and I demand their immediate deletion unless the credit bureaus and the companies listed below can produce documented proof bearing my wet signature : Unauthorized Inquiries : XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX ( duplicate ) These entities had no permissible purpose to access my credit profile, and I never authorized themexplicitly or implicitlyto conduct a credit check. 

Action Requested : I request the CFPB to immediately investigate the above inquiries.

Demand the involved bureaus to produce proof of a signed authorization ( wet signature ) for each inquiry.

If no such documentation can be produced, I request that the inquiries be permanently deleted from my credit reports and that all parties involved be notified of this action.

I further request confirmation of this complaint and the resolution.

Any failure to comply may constitute willful noncompliance with the FCRA and could result in formal legal action.

Thank you for your prompt attention to this serious matter. Please keep me informed of all actions taken.

Sincerely,

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 2025-06-06 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: 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 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 2025-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase with Lowes in XXXX XXXX for a washer and dryer set under their special 18 month no interest plan. They were also offering a bonus of extra XXXX XXXX dollars off per appliance on XXXX washer and dryers.The order was delivered to my home on XX/XX/XXXX, at which time the dryer had a shattered door. So they made a delivery a few days later on the dryer and I noticed a defect in the dryer that was paint that was blemished and the delivery driver stated that they would give me 15 % discount in the unit if I wanted to keep it. So I said yes. When I called Lowes later that month after not seeing the discount on my statement as promised they had no knowledge of the discount .. 3 weeks after receiving my order my washing machine was having a problem with my wash bin not filling with sufficient water during the cycles so I contacted Lowes customer service and they told me that I should direct all repair request to XXXX company directly. So I called XXXX and had been directed to XXXX XXXX XXXX For repairs. On the first visit, they decided I needed a major overhaul of some equipment on my sensor panel so they had to take it apart and replace some internal parts. From there, I had a multiple of visits from them, totaling up to 12 different repair date or different issues which I have receipts of.. I contacted synchrony bank and the representative suggested that I get a charge back on my purchase. I provided them all the documentations of the multiple visits for repairs inconveniences of all the problems I have been having since my purchase. They proceeded to give me a charge back and also sent me the balance of the payments that I had been making so far on their special payment plan for the purchase .. two months later, they reverse the charge back and requested that I pay back the total balance, including all interest charges for the purchase. Now I am being continuously harassed by them through multiple phone calls and demands for repayment. I feel all my hard work improving. My case was defeated just because they decided to reverse their charge back. And now as a consumer, I am told that I have to pay back this amount plus all interest charges. They are using deceptive practices to their loyal customers.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX Resurgent Capital Services, L.P.

XXXX XXXX XXXX  XXXX, XXXX  XXXX Re : CFPB Case # XXXX Account Number : XXXX Original Creditor : XXXX  XXXX XXXX, XXXX XXXX 
Current Owner : LVNV Funding LLC Reference Number : XXXX To Whom It May Concern, This letter is in response to your correspondence dated [ Insert Date of Letter ] regarding the above-referenced account. I am writing to reiterate my formal dispute of this account and to request that it be deleted from my credit report. 

Your response refers to a previous communication allegedly sent in XX/XX/XXXX. However, I have not received any verifiable proof that substantiates the validity of this debt, nor any documentation that confirms my responsibility for it. As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide complete validation of the debt upon request. 

Therefore, I am again requesting that you provide : 1. A copy of the original signed contract or agreement bearing my signature with XXXX XXXX XXXX, XXXX. 
2. A complete payment history, including charge-off details and interest calculations.

3. Proof of chain of custody/ownership, from the original creditor to the current owner, LVNV Funding LLC . 

If you are unable to provide the above, you are required by law to cease collection activity and delete this account from all consumer reporting agencies ( XXXX XXXX, and XXXX  ). 

Furthermore, continued reporting of unverifiable or inaccurate information is a violation of my rights under federal law. Should this tradeline not be removed or corrected, I will not hesitate to pursue further action, including additional complaints to the CFPB, the FTC, and possibly pursuing legal remedies. 

Please consider this letter a formal dispute and request for deletion. 

Sincerely, XXXX XXXX XXXX XXXX

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

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 2025-06-06 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 did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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

Complaint narrative:
I am submitting this complaint to formally report that all three credit bureaus TransUnion, Experian, and Equifax are willfully violating the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, outdated, and unverifiable negative information on my credit report. 

I disputed multiple accounts with each bureau. Yet, they failed to conduct proper investigations, as required under 15 U.S. Code 1681i, and did not provide adequate explanations or verification documentation as required under Section 3 ( C ) ( i ) - ( ii ) of that statute.

Furthermore, they are violating 15 U.S. Code 1681e ( b ) by not following reasonable procedures to ensure maximum possible accuracy. Several derogatory accounts remain even though they are either : charged off and resolved, purchased by another creditor, or factually incorrect.

Also, per 15 U.S. Code 1681s-2 ( a ) ( 1 ), furnishers are prohibited from knowingly continuing to report inaccurate data but these accounts remain with false balances, statuses, or are duplicative. 

Disputed Accounts Causing Harm : Creditor Name Issue Emotional Harm / Impact XXXX XXXX Charged off, should be deleted XXXX, credit denials XXXX Charged off & sold still reporting Rejected for rental XXXX XXXX XXXX Inaccurate open collection XXXX XXXX, frustration XXXX XXXX XXXX XXXX not properly updated Ongoing financial harm XXXX 30-day late mark w/ no prior notice XXXX and confusion These inaccurate reports have caused me to lose access to housing, employment offers, and fair credit. I've faced rejection after rejection not because of who I am, but because of what these bureaus refuse to fix. 

The emotional toll has been severe : Ive dealt with XXXX, disrupted sleep, and the stress of knowing my financial reputation is being sabotaged even as I try to do the right thing.

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 2025-06-06 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: FL

Complaint narrative:
I am submitting this complaint to formally report that all three credit bureaus TransUnion, Experian, and Equifax are willfully violating the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, outdated, and unverifiable negative information on my credit report. 

I disputed multiple accounts with each bureau. Yet, they failed to conduct proper investigations, as required under 15 U.S. Code 1681i, and did not provide adequate explanations or verification documentation as required under Section 3 ( C ) ( i ) - ( ii ) of that statute.

Furthermore, they are violating 15 U.S. Code 1681e ( b ) by not following reasonable procedures to ensure maximum possible accuracy. Several derogatory accounts remain even though they are either : charged off and resolved, purchased by another creditor, or factually incorrect.

Also, per 15 U.S. Code 1681s-2 ( a ) ( 1 ), furnishers are prohibited from knowingly continuing to report inaccurate data but these accounts remain with false balances, statuses, or are duplicative. 

Disputed Accounts Causing Harm : Creditor Name Issue Emotional Harm / Impact XXXX XXXX Charged off, should be deleted XXXX, credit denials XXXX Charged off & sold still reporting Rejected for rental XXXX XXXX XXXX Inaccurate open collection XXXX XXXX, frustration XXXX XXXX XXXX XXXX not properly updated Ongoing financial harm XXXX 30-day late mark w/ no prior notice XXXX and confusion These inaccurate reports have caused me to lose access to housing, employment offers, and fair credit. I've faced rejection after rejection not because of who I am, but because of what these bureaus refuse to fix. 

The emotional toll has been severe : Ive dealt with XXXX, disrupted sleep, and the stress of knowing my financial reputation is being sabotaged even as I try to do the right thing.

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 2025-06-06 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: DE

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach.

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$91.00}

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 2025-06-06 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 was never informed by the creditor that my payment was considered late, and I have clear evidence of timely payment. This late payment mark is inaccurate and should be removed immediately from 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 2025-06-06 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: TX

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 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Homespire Mortgage Corp
State: TX

Complaint narrative:
Subject : Formal Complaint Unauthorized Credit Inquiries Without My Wet Signature Immediate Investigation and Removal Requested Dear CFPB Complaint Review Team, I am submitting this formal complaint to report multiple unauthorized hard inquiries that appear on my credit reports. These inquiries were made without my knowledge, consent, or prior written authorization containing my wet signature, as required by federal law. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report for credit transactions when the consumer has authorized the inquiry in writing. Furthermore, under FCRA 604 ( a ) ( 2 ), any hard inquiry made without my express written consent is a violation of federal law. 

The following hard inquiries were unauthorized, and I demand their immediate deletion unless the credit bureaus and the companies listed below can produce documented proof bearing my wet signature : Unauthorized Inquiries : HOMESPIRE MO Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX ( duplicate ) These entities had no permissible purpose to access my credit profile, and I never authorized themexplicitly or implicitlyto conduct a credit check. 

Action Requested : I request the CFPB to immediately investigate the above inquiries.

Demand the involved bureaus to produce proof of a signed authorization ( wet signature ) for each inquiry.

If no such documentation can be produced, I request that the inquiries be permanently deleted from my credit reports and that all parties involved be notified of this action.

I further request confirmation of this complaint and the resolution. 

Any failure to comply may constitute willful noncompliance with the FCRA and could result in formal legal action. 

Thank you for your prompt attention to this serious matter. Please keep me informed of all actions taken. 

Sincerely,

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

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRUADULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

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

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/year>

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 2025-06-06 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:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/year>

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

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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