vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, I requested a credit limit increase on my account portal with XXXX. Nowhere on those pages does it state this will result in a hard credit inquiry/hard pull. My credit report was immediately dinged for a hard credit inquiry on same day. ( Their website was not working well either that day, as it kept shutting down, so I closed out of the window, thinking I'll come back another day ). 

I immediately called XXXX customer service on XXXX XXXX ( and wrote to them in my account messaging portal ) to ask to have this inquiry changed to a soft pull. Hard credit checks are done for new loan applications, not existing accounts. 

Since then, I have called, then was told to write to their special customer service department ( XXXX faxes sent to them over the past XXXX weeks alone ) and written in their portal. I emailed them again on XXXX XXXX after receiving another letter asking me for the same information I sent a month prior. I faxed all that on XXXX XXXX and was told to call them. I called today, XXXX XXXX, and was told I have to request the credit bureau to remove! I know for a fact this is not true. I called credit bureaus before for fraud, and they told me I have to deal with the bank/company making the inquiry. 

I have exhausted all my options and patience. This has been going on since XXXX XXXX and it is now XXXX XXXX. 

I am only asking that they correct the type of credit inquiry they did, from a hard ( unauthorized ) pull to the soft pull which does not ding my credit. 

Thank you, 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 2025-02-17 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: TX

Complaint narrative:
I am formally demanding the IMMEDIATE REMOVAL of an unverified bankruptcy from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The credit bureaus have failed to provide proper verification of this bankruptcy, and XXXX has not provided any documentation proving its accuracy, in direct violation of my rights under federal law. 

FCRA Violations & Legal Basis for Removal : 1. Failure to Verify ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The FCRA requires that any disputed information must be verified as accurate within 30 days, or it must be deleted immediately. Since XXXX has not verified this bankruptcy with supporting documentation, it must be removed immediately from my credit report. 
2. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) It is illegal for any entity to furnish information to credit bureaus that they can not verify as accurate. Since XXXX and the credit bureaus can not substantiate the bankruptcy, they are in direct violation of this law. 
XXXX. Failure to Provide Sources & Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Under the FCRA, I have the right to request the method of verification used to report this bankruptcy. Since XXXX and the credit bureaus have not provided proof, they are failing to comply with federal law. 
XXXX. Negligent and Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) Knowingly reporting unverified or inaccurate information is a violation of my consumer rights, and I am prepared to take legal action for damages of up to {$1000.00} per violation, plus attorneys fees, if this issue is not resolved 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 non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally demanding the IMMEDIATE REMOVAL of an unverified bankruptcy from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The credit bureaus have failed to provide proper verification of this bankruptcy, and XXXX has not provided any documentation proving its accuracy, in direct violation of my rights under federal law. 

FCRA Violations & Legal Basis for Removal : 1. Failure to Verify ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The FCRA requires that any disputed information must be verified as accurate within 30 days, or it must be deleted immediately. Since XXXX has not verified this bankruptcy with supporting documentation, it must be removed immediately from my credit report. 
2. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) It is illegal for any entity to furnish information to credit bureaus that they can not verify as accurate. Since XXXX and the credit bureaus can not substantiate the bankruptcy, they are in direct violation of this law. 
XXXX. Failure to Provide Sources & Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Under the FCRA, I have the right to request the method of verification used to report this bankruptcy. Since XXXX and the credit bureaus have not provided proof, they are failing to comply with federal law. 
XXXX. Negligent and Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) Knowingly reporting unverified or inaccurate information is a violation of my consumer rights, and I am prepared to take legal action for damages of up to {$1000.00} per violation, plus attorneys fees, if this issue is not resolved 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XXXX XXXX XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XXXX XXXX XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-17 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: FL

Complaint narrative:
The mistakes on my report are not just frustratingthey are causing me real financial harm. I have already lost opportunities because of these errors, and I refuse to continue being penalized for something that is not my fault. This is unacceptable, and it needs to be fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: OK

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's proceeding the account is accurate, without providing any evidence of a XXXX investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NY

Complaint narrative:
I am writing to bring to your immediate attention a serious issue regarding my credit report. It has come to my notice that my personal information is being mixed with that of someone else, which has resulted in incorrect and misleading entries on my report. Specifically, an account that clearly does not belong to me has been mistakenly associated with my credit history.

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 2025-02-17 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Attention Report Team at TransUnion I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 


XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXXXXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


Please see the above inquiries as well. 

The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 

Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security : XXXX Thank you for taking the time to look into these, I am very excited tohear back from you! 

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 2025-02-17 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: NV

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
The transferred my loan to another bank without my knowledge now I cant communicate with this bank. 
I would rather some call my wife XXXX as I work during the hours of your operation. 
Her number is XXXX. 
She then can email our information. 
Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have just pulled my credit report and showed me that I have a collection on my credit report. Company name XXXX XXXX acc number XXXX. I have never received any communication or notification from this company or did any agreement with this company. I do request a proof of this debt and my signature on this agreement. I ask you to prove

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj, XXXX XXXX Account Number begining with XXXX ConsumerFinancialProtectionBureau ( XXXX  ) CFPB Address - po box XXXX XXXX, IA XXXX Subject : Formal Complaint and Dispute Regarding Inaccurate Credit Reporting and Unlawful Collection XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint and dispute regarding inaccurate, misleading, and unlawful information present on my credit report. I am requesting your immediate intervention to investigate these matters and ensure the removal of all associated negative items, as well as the return of any down payments or payments made. 

Credit Acceptance Corp ( Account ) : I dispute the accuracy and validity of this account as it appears on my credit report. 

Grounds for Dispute and Request for XXXX : I assert that the inclusion and reporting of these accounts violate several provisions of both federal and state law, including but not limited to : XXXX U.S.C. XXXX ( XXXX XXXX ) : I believe my nonpublic personal information has been shared with affiliates, violating my privacy. 

XXXX XXXX. XXXX ( Fair Credit Reporting Act - Definitions ) : I contend that some or all of the information being reported does not meet the definition of " consumer report information '' and is therefore being reported unlawfully. 

XXXX XXXX. XXXX ( Fair Credit Reporting Act - Permissible Purposes of Consumer Reports ) : I contend that there is no permissible purpose for these entities to obtain and report my consumer report. 

XXXX XXXX. XXXX ( Truth in Lending Act ) : I believe that these accounts have violated the Truth in Lending Act Fair Credit Reporting Act Section XXXX : Because the creditor did not fulfill all obligations under this act. 

Any Other Laws : I also invoke any other applicable federal, state, or local laws and regulations that XXXX protect my rights as a consumer. 

Request for XXXX and XXXX XXXX : I respectfully request that the CFPB : XXXX a thorough investigation into the practices of the above-mentioned creditors and collection agencies. 

Demand the immediate removal of all negative and inaccurate information related to these accounts from my credit report. 

Compel the creditors to cease all collection activity related to these disputed debts. 

Ensure the return of any down payments or payments made to these entities due to the aforementioned violations. 


Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this complaint. 

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 2025-02-17 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/1973 Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian, 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 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 as proof from the US Federal Trade Commission that all 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 2025-02-17 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: CO

Complaint narrative:
My personal and financial information was compromised without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CO

Complaint narrative:
My personal and financial information was compromised without my authorization.

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 2025-02-17 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: UT

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with explanation