vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court North Carolina XXXXXXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion  lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-07-22 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: MO

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-07-22 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 a survivor of XXXX XXXX. While under XXXX XXXX XXXX my identity and credit were misused. Accounts were opened in my name, payments were missed, and addresses were added without my consent. I did not have control over my finances. These items were reported to the credit bureaus and are now negatively affecting my credit. Under FCRA 1681c-3 ( b ), I have the right to have these entries including late payments and accounts used during the XXXX  permanently removed. I submitted a dispute with documentation, ID, and a verification letter from my care provider. These items were either not removed or not properly investigated. I am requesting that the CFPB intervene to ensure compliance with federal law and that my credit file is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
Subject : Formal Demand to Block Fraudulent Information Identity Theft Claim Under 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to immediately block the reporting of fraudulent information on my credit report resulting from identity theft.

The following information has been fraudulently attributed to me and must be removed without delay : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  In accordance with federal law, you are required to block this information within four business days of receiving : Proof of my identity ( enclosed : government-issued ID and utility bill ) A copy of my identity theft report ( enclosed : police report or FTC affidavit ) Identification of the fraudulent information My sworn statement that this information does not relate to any transaction I made

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 2025-07-22 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland credit management at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, California XXXX has been sending me collection notices in the amount of {$570.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of : Inaccurate Address Removal Demand FCRA 1681e ( b ) You are reporting address ( es ) on my file that are inaccurate, outdated, or connected to accounts I did not authorize. Pursuant to FCRA 1681e ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy of the information you report. Any unverifiable address must be immediately deleted from my credit file. 
Addresses to Remove : XXXX. Incorrect Name - XXXX XXXX XXXX XXXX. Incorrect DOB - XXXX XXXX. Incorrect Address - XXXX XXXX XXXX, XXXX, SC, XXXX I have provided supporting documentation verifying my current address. Any conflicting address not tied to a verified, authorized account must be deleted. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 requesting a goodwill adjustment from XXXX XXXX XXXX regarding XXXX previously held personal loans, both of which are now closed and marked Paid. XXXX account was opened on XX/XX/XXXX and closed in XX/XX/XXXX, and the other was opened on XX/XX/XXXX and closed in XX/XX/XXXX. During the course of these loans, there were a few reported late payments. These late payments were due to temporary personal and financial hardships. Despite these setbacks, I took full responsibility and ultimately paid both accounts in full with no remaining balance.I am requesting that XXXX XXXX XXXX consider removing the late payment notations from my credit report as a goodwill adjustment, since the accounts are now paid and closed and I have worked hard to improve my financial responsibility. These negative marks are impacting my creditworthiness despite my demonstrated efforts to correct my financial behavior. I am not disputing the validity of the accounts, nor am I suggesting that XXXX XXXX XXXX reported anything inaccurately. I am simply asking for a goodwill adjustment as a courtesy to help me rebuild and reflect on my current financial discipline. 
I kindly request that this be considered and that the late payment notations be removed or updated to reflect Paid as Agreed for both accounts.

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 2025-07-22 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 requesting a goodwill adjustment from XXXX XXXX XXXX regarding XXXX previously held personal loans, both of which are now closed and marked Paid. XXXX account was opened on XX/XX/XXXX and closed in XX/XX/XXXX, and the other was opened on XX/XX/XXXX and closed in XX/XX/XXXX. During the course of these loans, there were a few reported late payments. These late payments were due to temporary personal and financial hardships. Despite these setbacks, I took full responsibility and ultimately paid both accounts in full with no remaining balance.I am requesting that XXXX XXXX XXXX consider removing the late payment notations from my credit report as a goodwill adjustment, since the accounts are now paid and closed and I have worked hard to improve my financial responsibility. These negative marks are impacting my creditworthiness despite my demonstrated efforts to correct my financial behavior. I am not disputing the validity of the accounts, nor am I suggesting that XXXX XXXX XXXX reported anything inaccurately. I am simply asking for a goodwill adjustment as a courtesy to help me rebuild and reflect on my current financial discipline. 
I kindly request that this be considered and that the late payment notations be removed or updated to reflect Paid as Agreed for both accounts.

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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I, being an honorable Apple Card-GS Bank credit card holder in good standing for 1 year and 7 months have had My line of credit closed. I have been advised via email that due to failure to comply with the terms of Customer Agreement is the cause of My account being closed. I have been a victim of identity theft and I filed a complaint with Apple Card-GS Bank XXXX XX/XX/year>. I have provided documentation to validate the time period My identity was compromised as I requested XXXX to put a freeze on My credit to avoid any further unauthorized activity on My behalf without My authorization. I would like an investigation executed on My behalf to resolve the unjustified and unrequested closure of My line of credit with Apple Card-GS Bank . I am requesting that My line of credit be reinstated at the completion of the review of the documentation provided. If further documentation is required, I will be more than pleased to provide documentation as soon as requested by Apple Card-GS Bank . 
A case number has been assigned to Me regarding the complaint at hand. The case number is as follows XXXX. I may also be contacted at. I have also filed a police report with the XXXX XXXX XXXX XXXX XXXX XXXX to further investigate My identity theft. 
Thank You, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report. Please understand that this is not a mistake on my part these errors are real, and they continue to have a serious negative impact on my life. I am going through trying times, and the emotional and financial burden caused by these inaccuracies is significant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, 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 without 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-07-22 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: NJ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
Ive just obtained a copy of my credit report and noticed the following errors. I have NO knowledge of these accounts. Not only are they in violation of my FCRA rights, they are erroneously reported. XXXX. XXXX XXXX Acct # XXXX, this collection was already DELETED and reappeared. This account was added during Covid, and under 15 US CODE 1681 ( s ) -2 Subsection 1F, IT STATES ANY PAYMENTS DURING COVID-19 ARE REQUIRED TO BE DEFERRED OR FORGIVEN. XXXX Credit XXXX XXXX ACCT # XXXX. XXXX. XXXX, Acct # XXXX. 15 US Code 1681 ( 4 ) states UNDER THE LAW, I have a right to privacy and if I consider payments to be private information, THEY MUST BE DELETED BY LAW. 15 US Code 1681 ( a ) states any transactions between you and the creditors are REQUIRED to be EXCLUDED from your credit report.

Any person obtaining a consumer report, under 15 US Code 1681N ( A ) ( 1 ) ( A ), under false pretenses or without permissible purposes for actual damages, shall be held liable for actual damages. Kindly, DELETE the above collection accounts above mentioned as soon as possible.

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 2025-07-22 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: OH

Complaint narrative:
Ive just obtained a copy of my credit report and noticed the following errors. I have NO knowledge of these accounts. Not only are they in violation of my FCRA rights, they are erroneously reported. XXXX. XXXX XXXX Acct # XXXX, this collection was already DELETED and reappeared. This account was added during Covid, and under 15 US CODE 1681 ( s ) -2 Subsection 1F, IT STATES ANY PAYMENTS DURING COVID-19 ARE REQUIRED TO BE DEFERRED OR FORGIVENXXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXX. XXXX. XXXX, Acct # XXXX. 15 US Code 1681 ( 4 ) states UNDER THE LAW, I have a right to privacy and if I consider payments to be private information, THEY MUST BE DELETED BY LAW. 15 US Code 1681 ( a ) states any transactions between you and the creditors are REQUIRED to be EXCLUDED from your credit report. 

Any person obtaining a consumer report, under 15 US Code 1681N ( A ) ( 1 ) ( A ), under false pretenses or without permissible purposes for actual damages, shall be held liable for actual damages. Kindly, DELETE the above collection accounts above mentioned as soon as possible.

Company response to consumer: Closed with non-monetary relief