vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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:
Hello, I am writing to formally request the removal of unauthorized hard inquiries on my credit report from XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX which I never authorized or approved. 
These inquiries are unfamiliar and unrelated to any applications I submitted. 

Important Context : I was directly impacted by the Equifax data breach ( XXXX ) and potentially the TransUnion data breach ( details below ). 

Attached are documents/pictures confirming my involvement in these breaches, which likely contributed to this fraudulent activity. 

Given the severity of these breaches and their proven ties to identity theft, I urge you to : Immediately delete the unauthorized inquiries listed above. 
Investigate how these inquiries were added without my consent, referencing the breaches. 
Please confirm the next steps and let me know if additional documentation is required. 

Thank you for prioritizing this urgent matter. 

Best regards,

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 2025-04-20 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: NY

Complaint narrative:
Hello, I am writing to formally request the removal of unauthorized hard inquiries on my credit report from XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX which I never authorized or approved. 
These inquiries are unfamiliar and unrelated to any applications I submitted. 

Important Context : I was directly impacted by the Equifax data breach ( XXXX ) and potentially the TransUnion data breach ( details below ). 

Attached are documents/pictures confirming my involvement in these breaches, which likely contributed to this fraudulent activity. 

Given the severity of these breaches and their proven ties to identity theft, I urge you to : Immediately delete the unauthorized inquiries listed above. 
Investigate how these inquiries were added without my consent, referencing the breaches. 
Please confirm the next steps and let me know if additional documentation is required. 

Thank you for prioritizing this urgent matter. 

Best regards,

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information on Credit Report Dear CFPB team I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresses and names that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : XXXX. Wrong Addresses : - Incorrect Address # XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX - Incorrect Address # XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX - Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Incorrect Names : - Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX XXXX - Correct Name : XXXX XXXX XXXX Actions Requested : XXXX. Remove Incorrect Addresses : Please remove the incorrect addresses listed above from my credit report. 
XXXX. Correct Name : Please ensure that only my correct name, XXXX XXXX XXXX, is reflected on my credit report. 

Supporting Documentation : To assist in verifying my correct personal information, I have enclosed copies of the following documents : - A copy of my government-issued ID. 
- A copy of my Social Security Number. 
- A copy of document showing my correct address. 

Impact : These inaccuracies have the potential to affect my creditworthiness and cause confusion in my credit profile. It is essential that my credit report contains accurate and up-to-date information. 

Desired Resolution : I am requesting that Equifax CREDIT BUREAU promptly investigate and correct these inaccuracies. Please confirm in writing once the corrections have been made and provide me with an updated copy of my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Name * * ( Equifax, Experian, or TransUnion ) Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute Under 15 U.S.C. 1681i and Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 * * To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information on my credit report pursuant to * * 15 U.S.C. 1681i * * of the Fair Credit Reporting Act ( FCRA ). Additionally, I request that the following information be * * blocked * * from my credit file under * * 15 U.S.C. 1681c-2 * *, as it stems from identity theft.

# # # * * Disputed Information : * * The following items on my credit report are inaccurate and/or fraudulent : 1. * * Creditor Name : * * [ Name of Creditor/Collection Agency ] * * Account Number : * * [ Last 4 digits or full account number, if safe to provide ] * * Reason for Dispute : * * [ Incorrect balance, fraudulent account, not my account, etc. ] 2. * * Creditor Name : * * [ Name of Creditor ] * * Account Number : * * [ Last 4 digits ] * * Reason for Dispute : * * [ Inaccurate late payments, identity theft, etc. ] # # # * * Supporting Documentation : * * I have enclosed copies ( not originals ) of the following documents to support my dispute : - Copy of my government-issued ID - Copy of my Social Security card ( or last 4 digits ) - Copy of a recent utility bill or bank statement ( proof of address ) - * * Identity Theft Report * * ( if applicable, per 1681c-2 ) - Police report ( if identity theft is involved ) - Any other relevant proof ( billing statements, correspondence, etc. ) # # # * * Legal Request : * * Under * * 15 U.S.C. 1681i ( a ) ( 1 ) * *, you are required to conduct a reasonable investigation within * * 30 days * * and correct or delete any inaccurate, incomplete, or unverifiable information. 

If this dispute relates to * * identity theft * *, I request that the fraudulent information be * * blocked * * from my credit file under * * 15 U.S.C. 1681c-2 * *, as I have provided an identity theft report and supporting documentation.

Please * * correct my credit report * * and provide me with an updated copy once the investigation is complete. Additionally, under * * 15 U.S.C. 1681i ( d ) * *, please provide the name, address, and phone number of any furnisher that was
contacted regarding this dispute.

* * Failure to comply with the FCRA may result in legal action. * * Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Name * * ( Equifax, Experian, or TransUnion ) Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute Under 15 U.S.C. 1681i and Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 * * To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information on my credit report pursuant to * * 15 U.S.C. 1681i * * of the Fair Credit Reporting Act ( FCRA ). Additionally, I request that the following information be * * blocked * * from my credit file under * * 15 U.S.C. 1681c-2 * *, as it stems from identity theft.

# # # * * Disputed Information : * * The following items on my credit report are inaccurate and/or fraudulent : 1. * * Creditor Name : * * [ Name of Creditor/Collection Agency ] * * Account Number : * * [ Last 4 digits or full account number, if safe to provide ] * * Reason for Dispute : * * [ Incorrect balance, fraudulent account, not my account, etc. ] 2. * * Creditor Name : * * [ Name of Creditor ] * * Account Number : * * [ Last 4 digits ] * * Reason for Dispute : * * [ Inaccurate late payments, identity theft, etc. ] # # # * * Supporting Documentation : * * I have enclosed copies ( not originals ) of the following documents to support my dispute : - Copy of my government-issued ID - Copy of my Social Security card ( or last 4 digits ) - Copy of a recent utility bill or bank statement ( proof of address ) - * * Identity Theft Report * * ( if applicable, per 1681c-2 ) - Police report ( if identity theft is involved ) - Any other relevant proof ( billing statements, correspondence, etc. ) # # # * * Legal Request : * * Under * * 15 U.S.C. 1681i ( a ) ( 1 ) * *, you are required to conduct a reasonable investigation within * * 30 days * * and correct or delete any inaccurate, incomplete, or unverifiable information. 

If this dispute relates to * * identity theft * *, I request that the fraudulent information be * * blocked * * from my credit file under * * 15 U.S.C. 1681c-2 * *, as I have provided an identity theft report and supporting documentation.

Please * * correct my credit report * * and provide me with an updated copy once the investigation is complete. Additionally, under * * 15 U.S.C. 1681i ( d ) * *, please provide the name, address, and phone number of any furnisher that was
contacted regarding this dispute.

* * Failure to comply with the FCRA may result in legal action. * * Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a follow up to my original letter dated XX/XX/year> regarding inaccuracies in Equifax credit reporting resulting from identity theft from several data breaches of my information. 
Regarding the following accounts and information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: NJ

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

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 2025-04-20 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: IL

Complaint narrative:
Said I own this account back in XXXX. For XXXX. Went to court on this judge threw it out. Dont have the judge name. No one showed up and he dismissed this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: MD

Complaint narrative:
Subject : Dispute of Incorrectly Reported Late Payment Violation of 15 USC 1666b To Whom It May Concern, I am filing a complaint concerning an inaccurately reported late payment on my credit report. This reporting appears to violate the Truth in Lending Act, specifically 15 USC 1666b, which requires that a creditor allow a reasonable grace period ( at least 21 days ) before treating a payment as late. 

The account in question is : Creditor Name : XXXX XXXX Account Number ( last XXXX digits ) : XXXX Date of Reported Late Payment : XXXX, XXXX  AND XXXX, XXXX  Credit Bureau Reporting the Late Payment : Experian / Equifax / TransUnion I made my payment on time based on the billing statement and within the grace period. However, the creditor reported the payment as late and submitted it to the credit bureaus. I requested a correction directly from the creditor and the credit bureau, but the issue remains unresolved. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this violation and require the creditor and/or credit bureau to delete it from my credit report in compliance with the law. 


This inaccurate reporting is negatively impacting my credit profile, and I am exercising my right to dispute this under federal law. Please address this matter promptly.

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 2025-04-20 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: FL

Complaint narrative:
I want proof that it was me and that there was a signature 15 USC 1681 I ( a ) 1. 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681 I ( a ) ( 5 ) B 31 USC 5118 under House Joint Resolution 192. Start discharging all my debt. 15 USC 1635. 15 USC 1602. And 12 USC 1431. Under the UCC 1308.4. I am without prejudice and no recourse I dont care about the reason I got deny Im sitting here looking at the equal credit opportunity act and denying me access to my credit. Regardless the reason Im being denied I have right to credit withholding access to my security is security fraud. They are violating my equal credit opportunity act and consumer credit protection act since Im being denied my credit I want all the reports everything and to show my signature and proof what they say is true. UCC 9-210 UCC 1 financial filing statement copyright notice the security agreement, the private agreement and hold harmless affidavits basically I want all the reports I want everything done correctly I want all my reports all my inquiries FTC reports . Please and thank you.

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 2025-04-20 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: GA

Complaint narrative:
XXXX I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below XXXX I looked at my account on XXXX XXXX  XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXXXXXX date last active not reporting correct shows date of being opened as XX/XX/XXXX Shows high credit of XXXX and last report date of XX/XX/XXXX date for last activity for XXXXXXXX XXXX also shows last report date of XX/XX/XXXX date opened is XX/XX/XXXX and the incorrect account number as well shows account number XXXX and last date of activity XX/XX/XXXX Equifax shows last date of activity XXXXand last payment XX/XX/XXXX last reported XX/XX/XXXX .I am asking you to reinvestigate this account XXXX XXXXXXXX XXXX * * * * Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
CFPB COMPLAINT SUBMITTED TO XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX on XX/XX/year> and the collection accounts remain on my credit report. On XX/XX/year> a CFPB COMPLAINT WAS SUBMITTED TO Equifax, TransUnion, and Experian. Each credit bureau has failed to remove the collection accounts after numerous disputes and requests for removal. I intend to sue as it appears my requests are being neglected and I remain victim to derogatory statements though I have advised of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
CFPB COMPLAINT SUBMITTED TO XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX on XX/XX/year> and the collection accounts remain on my credit report. On XX/XX/year> a CFPB COMPLAINT WAS SUBMITTED TO Equifax, TransUnion, and Experian. Each credit bureau has failed to remove the collection accounts after numerous disputes and requests for removal. I intend to sue as it appears my requests are being neglected and I remain victim to derogatory statements though I have advised of identity theft.

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 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I sent a Debt Validation Request under 15 U.S.C. Section 1692g and CA Civil Code Section 1788.17. I requested verification of the debt ( as it is reported on my credit report ) in accordance with my rights under the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692g, CA Civil Code Section 1788.17, and the Rosenthal Fair Debt Collection Practices Act. 

Not only did they send me a letter confirming that they had no record of me or my debt within their system, but they also claim that they do not have to comply with Federal and/or State Law to submit me information pursuant to my validation request. 

This debt is not mine, it is not owed by me, and now the company is claiming they are not subject to Federal or State Law. This is not accurate, and I am trying to have this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Penfed is not forthcoming about the issue. They have decided to ignore my credit correction letters, stating it seems to be a " credit repair organization, '' and they are not required to investigate. 

They are stalling to correct the negative and slanderous information they placed on my credit file. My account was in a forbearance status. 

After I resolved my unemployment dilemma, I did not accept their unfair and exploitative loan modification program. I caught up on past due payments during the forbearance period ; They wrongfully listed my accounts as past due twice during the forbearance period. They have severely destroyed my above average XXXXredit score.

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 2025-04-20 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: FL

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute concerning inaccurate and unverified accounts that continue to appear on my credit report without proper resolution. Despite my prior request for reinvestigation, I have yet to receive adequate documentation or clarification regarding these disputed entries. 

I am once again requesting a detailed explanation of the source of the information you have reported, as well as the specific procedures used to verify its accuracy.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. 

XXXX XXXXXXXX XXXX  2021 {$1200.00}

Company response to consumer: Closed with non-monetary relief