vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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, I am writing to dispute one or more unauthorized credit inquiries that have been reported on my credit file. These inquiries were not authorized by me and appear to be in violation of several federal consumer protection laws.

Specifically, I invoke the following legal protections : 1.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b This section prohibits credit reporting agencies from furnishing a consumer report unless there is a permissible purpose, such as an application for credit initiated by the consumer. I did not authorize or initiate any such applications corresponding to the inquiries in question. 



2.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i This section gives consumers the right to dispute incomplete or inaccurate information in their credit files. Upon receiving notice of a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days. 



3.

Fair and Accurate Credit Transactions Act ( FACTA ) An amendment to the FCRA, FACTA enhances consumer protections against identity theft and requires the secure handling of consumer data. Unauthorized inquiries may indicate a failure to safeguard my personal information or an attempted identity theft. 



4.

Identity Theft and Assumption Deterrence Act of 1998 This law makes it a federal crime to knowingly use someone elses identity without lawful authority. Fraudulent credit inquiries made without my consent may fall under this statute if they were conducted using stolen personal data. 



5.

Consumer Financial Protection Act ( Title X of the Dodd-Frank Act ) This law empowers the CFPB to protect consumers from unfair, deceptive, or abusive acts or practices in the financial marketplace. Reporting inquiries that I did not authorize is both deceptive and damaging to my credit standing.

I respectfully request that these inquiries be removed from my credit report and that a full investigation be conducted in compliance with the laws cited above.

Thank you for your attention and for upholding federal consumer protections.

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 2025-06-19 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute one or more unauthorized credit inquiries that have been reported on my credit file. These inquiries were not authorized by me and appear to be in violation of several federal consumer protection laws.

Specifically, I invoke the following legal protections : 1.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b This section prohibits credit reporting agencies from furnishing a consumer report unless there is a permissible purpose, such as an application for credit initiated by the consumer. I did not authorize or initiate any such applications corresponding to the inquiries in question. 



2.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i This section gives consumers the right to dispute incomplete or inaccurate information in their credit files. Upon receiving notice of a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days. 



3.

Fair and Accurate Credit Transactions Act ( FACTA ) An amendment to the FCRA, FACTA enhances consumer protections against identity theft and requires the secure handling of consumer data. Unauthorized inquiries may indicate a failure to safeguard my personal information or an attempted identity theft. 



4.

Identity Theft and Assumption Deterrence Act of 1998 This law makes it a federal crime to knowingly use someone elses identity without lawful authority. Fraudulent credit inquiries made without my consent may fall under this statute if they were conducted using stolen personal data. 



5.

Consumer Financial Protection Act ( Title X of the Dodd-Frank Act ) This law empowers the CFPB to protect consumers from unfair, deceptive, or abusive acts or practices in the financial marketplace. Reporting inquiries that I did not authorize is both deceptive and damaging to my credit standing.

I respectfully request that these inquiries be removed from my credit report and that a full investigation be conducted in compliance with the laws cited above.

Thank you for your attention and for upholding federal consumer protections.

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 2025-06-19 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: IA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name XXXX XXXX XXXX XXXX  Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am disputing a XXXX XXXX account that appears on my credit report as a " charge-off '' with a reported balance of {$1500.00}. The partial account number is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, the information reported is inconsistent, inaccurate, and has not been properly verified. 

There are discrepancies in the date of last activity, reported balance, and charge-off status. Additionally, the information does not align consistently across the three credit bureaus ( TransUnion, Experian, and Equifax ). I previously initiated a dispute under the Fair Credit Reporting Act ( FCRA ), but the account has not been corrected or removed. 

I request that the CFPB require XXXX XXXX and the credit reporting agencies to verify the accuracy of this account. If they are unable to fully and accurately validate the account, I ask that it be permanently removed from all my credit reports. 

I also request to receive copies of all documentation used during the verification process, as provided by the 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 non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
After attempting to get a loan for college I found out from XXXX XXXX that my account was frozen and they required I call transunion. Transunion was not able to verify me, they said someone would contact me. They called me during school hours and I missed the call. I proceeded to call them back over 5-6 times over the course of 2 months, nobody was ever able to verify me even after I sent them all the required documents on multiple occasions. They then said they would have to make my account inactive and i would be forced to create a new account, which I did. I still have not ben able to access my account online or have the freeze lifted. I lost the opportunity to get my loan because of this issue!!! They claim it is because my parent froze my account when I was a minor and now that I am 18 I can't unfreeze it myself for some strange reason!

I am so upset and frustrated with transunion, I am forced to file a formal complaint. They have all of their agents outsourced and they keep asking me to send documents and I have to tell them repeatedly that I have already done that part. Please, demand they get my account in order and get me to a competent person!!! The last time I called they said I would get a call from someone, never got the call!

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 2025-06-19 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute one or more unauthorized credit inquiries that have been reported on my credit file. These inquiries were not authorized by me and appear to be in violation of several federal consumer protection laws.

Specifically, I invoke the following legal protections : 1.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b This section prohibits credit reporting agencies from furnishing a consumer report unless there is a permissible purpose, such as an application for credit initiated by the consumer. I did not authorize or initiate any such applications corresponding to the inquiries in question. 



2.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i This section gives consumers the right to dispute incomplete or inaccurate information in their credit files. Upon receiving notice of a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days. 



3.

Fair and Accurate Credit Transactions Act ( FACTA ) An amendment to the FCRA, FACTA enhances consumer protections against identity theft and requires the secure handling of consumer data. Unauthorized inquiries may indicate a failure to safeguard my personal information or an attempted identity theft. 



4.

Identity Theft and Assumption Deterrence Act of 1998 This law makes it a federal crime to knowingly use someone elses identity without lawful authority. Fraudulent credit inquiries made without my consent may fall under this statute if they were conducted using stolen personal data. 



5.

Consumer Financial Protection Act ( Title X of the Dodd-Frank Act ) This law empowers the CFPB to protect consumers from unfair, deceptive, or abusive acts or practices in the financial marketplace. Reporting inquiries that I did not authorize is both deceptive and damaging to my credit standing.

I respectfully request that these inquiries be removed from my credit report and that a full investigation be conducted in compliance with the laws cited above.

Thank you for your attention and for upholding federal consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Urgent Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 ( Identity Theft ) Dear Sir/Madam, I am writing to formally request, once again, the immediate blocking and removal of fraudulent and derogatory information from my credit report, as mandated by 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
I am a victim of identity theft, and the following accounts were fraudulently opened in my name without my authorization. I have already provided : - A valid government-issued photo ID - Proof of address - A copy of the police report - An Identity Theft Report filed with the FTC Please block and permanently remove the following derogatory accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Total fraudulent Dept. of Education balance : {$9200.00} According to the FCRA, the credit bureaus must block fraudulent items within XXXX ( XXXX ) business days of receiving the proper documentation. It has been longer than this legal timeframe, and I have not received written confirmation or seen action taken. This delay constitutes a violation of federal law. 
I hereby demand immediate compliance, and request that you : XXXX. Block and remove all listed fraudulent accounts from my credit report. 
XXXX. Provide me with a new, corrected copy of my credit report. 
XXXX. Send written confirmation that the fraudulent data has been blocked. 
If you are unable to process this request, you must provide a detailed, written explanation stating the reasons for refusal, as required by law. 
If I do not receive a resolution within XXXX hours, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action for non-compliance. 
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 2025-06-19 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: CA

Complaint narrative:
In XX/XX/year>, XXXX XXXX  closed my XXXX account, allegedly due to returned or late payments. However, no late payments are reflected on my credit report, which shows the account as Closed / Never Late. I was never notified in writing that the account would be closed due to payment behavior, which violates FCRA 1681m ( a ), requiring an adverse action notice. 

This closure immediately caused my credit utilization to exceed 200 %, despite my long-standing, on-time payment history. I am currently refinancing my home, and this inaccurate reporting is significantly harming my ability to move forward. 

I contacted XXXX XXXX  multiple times beginning in early XX/XX/year>. I requested a goodwill adjustment, reclassification of the closure to Closed at consumers request, and documentation of the alleged delinquencies and closure notice. They denied the goodwill request, failed to acknowledge their legal obligations, and have since stalled by saying the matter is under review. 

Despite the closure, I have continued making regular payments on the account. I am requesting the CFPB to investigate and require XXXX XXXX  to either reopen the account or reclassify it as Closed at consumers request, as the current reporting is incomplete and misleading under FCRA 1681s-2 ( a ) ( 1 ) ( A ).

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 2025-06-19 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:
In XX/XX/year>, XXXX XXXX  closed my XXXX account, allegedly due to returned or late payments. However, no late payments are reflected on my credit report, which shows the account as Closed / Never Late. I was never notified in writing that the account would be closed due to payment behavior, which violates FCRA 1681m ( a ), requiring an adverse action notice. 

This closure immediately caused my credit utilization to exceed 200 %, despite my long-standing, on-time payment history. I am currently refinancing my home, and this inaccurate reporting is significantly harming my ability to move forward. 

I contacted XXXX XXXX  multiple times beginning in early XX/XX/year>. I requested a goodwill adjustment, reclassification of the closure to Closed at consumers request, and documentation of the alleged delinquencies and closure notice. They denied the goodwill request, failed to acknowledge their legal obligations, and have since stalled by saying the matter is under review. 

Despite the closure, I have continued making regular payments on the account. I am requesting the CFPB to investigate and require XXXX XXXX  to either reopen the account or reclassify it as Closed at consumers request, as the current reporting is incomplete and misleading under FCRA 1681s-2 ( a ) ( 1 ) ( A ).

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 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank froze my account XX/XX/XXXX they told me for 30 days after 30 days I called them again they told me 60 to 90 days in the 60 to 90 days beginning in XXXX they closed my accounts three different accounts that had XXXX in them when I called to ask where my funds are they sent me a XXXX XXXX check in the mail and told me " we sent the funds back '', when I asked where they send the funds back to they will not tell me on my bank statement that took 2 months for me to get it shows a debit for my account for the exact amount of money that I know was in there but they will not tell me where they sent my money to and they will not provide my money. My name is XXXX XXXX. I have been to the bank twice one of them told me that the IRS took my money which they have not I have spoke with my CPA I do not owe the IRS, and then when they connect me to the what they call back end people the lady was basically talked to me saying oh you don't know where your money is oh we sent it back and I'm like where did you send it back what do you mean? They will not provide me the information, now the bank will not even reply back to me via email or anything. I have the supporting documents showing what was in my accounts and the debit they placed on my accounts & will not give me my funds or reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number : XXXX

Company response to consumer: Closed with explanation