vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Follow-Up : Reinvestigation Request XXXX  XXXX Account ( Acct : XXXX ) To : Equifax Dispute XXXX Address : XXXX XXXX  XXXX, XXXX, GA XXXX Date : XX/XX/XXXX Dear Equifax Dispute Team, I am writing to follow up on my formal reinvestigation request regarding the XXXX XXXX XXXX  XXXX XXXX account ending in XXXX, originally submitted on XX/XX/XXXX via the CFPB portal. I understand this complaint may have been marked as a duplicate ; however, the disputed items remain unresolved and merit a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 

Disputed Items : - Charge-Off Amount ( {$740.00} ) : Appears inflated and may include non-principal fees. 
-Payment History : CO status reported monthly after XX/XX/XXXX despite a payment on XX/XX/XXXX. 
- Date of First Delinquency ( XX/XX/XXXX ) : Potentially inaccurate or unsupported. 
- Credit Limit vs. High Credit : * * High credit exceeds the limit, suggesting improper fee inclusion. 
- Comments Section : Charged Off Account and Account Closed By Credit Grantor may be unverifiable or misleading. 

Requested Action : Please conduct a full reinvestigation of these discrepancies. If XXXX XXXX can not verify the accuracy of these entries in compliance with Metro 2 and FCRA standards, I request that the tradeline be corrected or removed from my credit report. 

I expect confirmation of receipt and a resolution within the 30-day window mandated by the FCRA. Please send all correspondence to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of XXXX  and its affecting everything. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Get this fixed immediately and confirm that you have removed all these fraudulent transactions and account from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX Incorrect Name - XXXXXXXX XXXX XXXXXXXX Incorrect DOB - XX/XX/1996 Incorrect Address - XXXXXXXX XXXX XXXX XXXXXXXX, TX, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX EMPLOYER - XXXX  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX Incorrect Name - XXXXXXXX XXXX XXXXXXXX Incorrect DOB - XX/XX/1996 Incorrect Address - XXXXXXXX XXXX XXXX XXXXXXXX, TX, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX EMPLOYER - XXXX  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me XXXX  and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 XXXX XXXX - XX/XX/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  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 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Details : I am disputing multiple unauthorized hard credit inquiries on my TransUnion credit report dated XX/XX/XXXX. I did not apply for credit, authorize these entities to access my report, or have any relationship that would grant them a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ).

List of Unauthorized Inquiries : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  XXXX Bank ) XX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), the credit reporting agency must conduct a reasonable investigation and remove any inquiry that can not be verified as authorized. If the furnishers of this data can not provide documented proof of my written consent or other lawful purpose for obtaining my report, these inquiries must be deleted immediately.

Additionally, under FCRA 1681n, if any entity willfully obtained my report without permissible purpose, I am entitled to statutory damages of up to {$1000.00} per violation, plus actual damages, attorneys fees, and costs.

Requested Resolution : Remove all unauthorized inquiries listed above from my TransUnion credit report.

Provide written confirmation of the removal within the 30-day statutory investigation period.

Require the furnishers to provide proof of authorization or permissible purpose if they dispute my claim. 


Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Date : XX/XX/XXXXXXXX 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 2025-08-14 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: NV

Complaint narrative:
I am a Nevada resident. XXXX is currently reporting a collection account on my Experian credit report. According to the Nevada Secretary of State, they are Not Authorized to Conduct Business in Nevada. According to the Nevada Financial Institutions Division, they previously held a Nevada collection agency license but surrendered it and have no active license to operate here. 

Under Nevada law ( NRS 649 ), a collection agency must hold an active license to collect debts from Nevada residents. Reporting to a credit bureau is considered collection activity. Because XXXX has no current authority to operate in Nevada, they have no permissible purpose under the Fair Credit Reporting Act ( FCRA 604 ) to furnish or continue reporting this account.

I request that Experian remove this account from my credit report and that XXXX cease reporting and collection activity in Nevada. I have attached proof from the Secretary of State and FID showing their surrendered license and Not Authorized status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NJ

Complaint narrative:
I didn't give anyone consent to check or look into my credit report so I ask this inquiry be deleted immediately. 

Unauthorized Inquiry Dispute Letter FCRA Statutory Law Cited [ XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NY XXXX ] [ XXXX XXXX ] XX/XX/XXXX [ XXXX, TransUnion and XXXX  ] Subject : Formal Dispute Unauthorized Credit Inquiries To Whom It May Concern : This letter is a formal demand for the removal of certain unauthorized credit inquiries from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 604 [ 15 U.S.C. 1681b ] and Section 611 [ 15 U.S.C. 1681i ].

Under FCRA Section 604, a consumer reporting agency may only furnish my credit report if there is a permissible purpose, such as a credit transaction I initiated, employment purposes with my written consent, insurance underwriting, or other lawful business transactions expressly authorized by me. Any inquiry made without my direct consent or a permissible purpose is a violation of this statute.

Under FCRA Section 611, I have the right to dispute any information on my credit report that I believe is inaccurate or unauthorized, and the credit bureau must conduct a reasonable investigation within 30 days to verify the validity of the information. If the inquiry can not be verified with documented proof of my consent and permissible purpose, it must be deleted immediately.

The following inquiries are being disputed as unauthorized : 1. [ XXXX  XXXX XXXX  ] Date : [ XX/XX/XXXX ] 2. [ XXXX XXXX XXXX ] Date : [ XX/XX/XXXX ] 3. [ XXXX XXXX XXXX ] Date : [ XX/XX/XXXX ] I am demanding that you : Provide the full name, address, and phone number of the entity that initiated each inquiry. 

Provide documented proof that I gave authorization for each inquiry. 

Remove all inquiries that can not be verified as having a permissible purpose under FCRA Section 604.

Failure to comply will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General for violations of federal law.

Enclosed are copies of my identification and a recent utility bill for identity verification. I expect written confirmation of the results of your investigation within 30 days from the date you receive this letter, as required by the FCRA. 

Sincerely, [ XXXX [ XXXX XXXX XXXX ] Enclosures : Copy of photo ID

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NJ

Complaint narrative:
I didn't give anyone consent to check or look into my credit report so I ask this inquiry be deleted immediately. 

Unauthorized Inquiry Dispute Letter FCRA Statutory Law Cited [ XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NY XXXX ] [ XXXX XXXX ] XX/XX/XXXX [ XXXX XXXX and Equifax ] Subject : Formal Dispute Unauthorized Credit Inquiries To Whom It May Concern : This letter is a formal demand for the removal of certain unauthorized credit inquiries from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 604 [ 15 U.S.C. 1681b ] and Section 611 [ 15 U.S.C. 1681i ].

Under FCRA Section 604, a consumer reporting agency may only furnish my credit report if there is a permissible purpose, such as a credit transaction I initiated, employment purposes with my written consent, insurance underwriting, or other lawful business transactions expressly authorized by me. Any inquiry made without my direct consent or a permissible purpose is a violation of this statute. 

Under FCRA Section 611, I have the right to dispute any information on my credit report that I believe is inaccurate or unauthorized, and the credit bureau must conduct a reasonable investigation within 30 days to verify the validity of the information. If the inquiry can not be verified with documented proof of my consent and permissible purpose, it must be deleted immediately. 

The following inquiries are being disputed as unauthorized : 1. [ XXXX XXXX XXXX ] Date : [ XX/XX/XXXX ] 2. [ XXXX XXXX XXXX  ] Date : [ XX/XX/XXXX ] 3. [ XXXX XXXX XXXX ] Date : [ XX/XX/XXXX ] I am demanding that you : Provide the full name, address, and phone number of the entity that initiated each inquiry. 

Provide documented proof that I gave authorization for each inquiry. 

Remove all inquiries that can not be verified as having a permissible purpose under FCRA Section 604. 


Failure to comply will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General for violations of federal law. 

Enclosed are copies of my identification and a recent utility bill for identity verification. I expect written confirmation of the results of your investigation within 30 days from the date you receive this letter, as required by the FCRA. 

Sincerely, [ XXXX [ XXXX XXXX XXXX ] Enclosures : Copy of photo ID

Company response to consumer: Closed with explanation