vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-23 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: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-06-23 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: SC

Complaint narrative:
I am seeking your help in beginning an investigation into the accounts in question, as they are not being accurately reported on my credit report. As provided by USC 1681g, I am formally requesting their removal within 15 days. All relevant supporting documents are included for your careful review. It is also important to point out that the information reported is inconsistent and incorrect across different credit bureaus.

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 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: OH

Complaint narrative:
On XX/XX/year> at XXXX I contacted Avante USA to validate a debt on credit report. I wasnt given any information and told I had to pay for the information that I was asking for. I want to know the original creditor and the date it was opened. I dont believe this to be mine. I was told to just pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: CA

Complaint narrative:
An account was fraudulently opened under my name with XXXX XXXX XXXX XXXX Texas, was opened on XX/XX/XXXXXXXX  and closed on XX/XX/XXXX. This account was sent to collections XX/XX/XXXXXXXX  with a balance of {$270.00}. This is not my account nor did i give any permission to open. I have lived in California my whole life since XXXX. I contacted the collection agency Credit systems int. Inc. and requested the fraud department in which they gave me all information, account numbers, addresses and references numbers to file with Federal Commission Identify Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-06-23 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXXXX/XX/XXXX EXPERIAN Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXXXXXX XXXXXXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

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 2025-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NC

Complaint narrative:
I am disputing a debt that Credit Control , LLC is attempting to collect on behalf of XXXX XXXX. I recently received an email from them claiming I owe a balance of {$1800.00} related to a XXXX XXXX account. The message included a reference number but did not provide any proper validation or documentation to support the claim. 

I do not recognize this debt and have not received proof that Credit Control , LLC has the legal authority to collect on it. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt, including : A breakdown of the amount claimed Documentation proving I owe the debt Proof that Credit Control , LLC has the legal right to collect on behalf of XXXX XXXX XXXX such validation is provided, I am requesting that all collection activity cease. I believe this may be an error, a case of mistaken identity, or an invalid debt, and I would like the matter to be thoroughly investigated.

Credit Control , LLC previously closed my initial complaint without resolving the issue, stating they could not respond without identity verification. To address that : Full Name : 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 XXXXXXXX I am resubmitting this complaint with all necessary verification information and request a full investigation and removal of this debt from my credit report if it can not be legally validated.

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 2025-06-23 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XX/XX/year> To Whom It May Concern, I am writing to formally dispute a series of late payments that have been reported on my credit file by CAPITAL ONE XXXX XXXX AND XXXX XXXX. The late payments in question are negatively impacting my credit report and do not reflect my typical payment behavior. 

Due to an unexpected family emergency, I was unable to meet my financial obligations during that period. I XXXX XXXX XXXX XXXXXXXX XXXX for my mother, and during the dates of these late payments, she was hospitalized. As her XXXX XXXX, I was unable to work, which significantly affected my income. This was a temporary hardship beyond my control, and I have since resumed regular payments and am working diligently to rebuild my financial standing. 

I am respectfully requesting that Captial ONE, XXXX XXXX AND XXXX XXXX consider removing the late payments from my credit report as a goodwill gesture under these compassionate circumstances. These missed payments do not reflect my usual payment history, and I believe this adjustment would more accurately represent my creditworthiness. 

Thank you for your time and understanding. Ive already attempted to resolve this directly with the creditor, and I am now seeking your assistance to have this resolved fairly. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

XXXX associates XX/XX/XXXX {$240.00} XXXX and XXXX, XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$810.00} XXXX NC XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

XXXX associates XX/XX/XXXX {$240.00} XXXX and XXXX, XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$810.00} XXXX NC XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2024

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 2025-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a XXXX XXXX, and the medical office recommended CareCredit to help me cover the cost. I was not clearly told that the promotion was a deferred interest plan, and that I had to pay the entire balance in full within 12 months to avoid retroactive interest. 

I have been paying {$750.00} per month consistently, and I was planning to pay off the remaining amount soon. But two months ago, I was unexpectedly charged over {$2500.00} in interest because the promotional period ended. 

This was never clearly explained, and I believe this practice is misleading and unfair to patients who trust the provider and credit offer at a vulnerable time. I request that the interest charge be waived or reduced.

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 2025-06-23 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 am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding a hard inquiry on my credit profile that I did not approve. I have not applied for any credit or given permission for my credit to be accessed in relation to this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I used my debt card and when it declined, i knew there was a problem due to the fact i had over XXXX in my account. When i looked at my account i immediately called the bank and asked the banker to go over my account with me which she did. After going thru the account we together figured my account was compromised in the amount of XXXX which at this point she told me that the funds would be placed back into my account within 10 .business days. She apologized to know of my misfortune and we hung up. I waited 10 .. 12 .. 13 days and still nothing from the bank or my monies put back in my account. When i called to find out why the banker at this time told me that my claim was denied due to the fact i had asked them to place back a XXXX dollar fee that wasn't authorized by myself. I believe it was a game of some sort for XXXX dollars. I asked for a number for me to call and go over this with someone else and he told me that there wasn't any one for me to call that the decision was made. This is where this letter comes from. I can t get no one to talk to me about the problem with them not returning my money.. I XXXXface so many different types of hardships due to this problem that i am literally beside myself. 

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 2025-06-23 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: NC

Complaint narrative:
On XX/XX/year>, a XXXX  XXXX Bankruptcy was reported on my credit report without my consent, under the reference number XXXX / XXXX. I have never filed for bankruptcy and was not involved in any legal proceeding of that nature. I sent dispute letters to the credit bureaus requesting verification from the original source ( the bankruptcy court ), asking them to prove I was the filer or that I authorized the reporting. 

Despite my request, the bureaus failed to provide any documentation or proof. This inaccurate public record is damaging my credit and violates my rights under the FCRA and 18 U.S.C. 1028A regarding the unauthorized use of my personal information.

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 2025-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Sofi has charge overpayment of student loan refinancing by XXXX dollars. There servicing company did mistakenly over paid and they are charging the money to consumer. It seems like common practice practice with Sofi. After follow up over 9 months and 20+ calls Sofi wouldn't refund the money, that is charged because of their inefficient process. Every time I have called customer service they asked 2 more weeks. There customer service is trained to harass consumer so that consumer just give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MortgagePros, LLC
State: FL

Complaint narrative:
I was actually shopping around in order to refinance my mortgage and I came accross this company called Mortgagepros ( mtgpros.com ) and Ive 1st exchanged information by phone today ( XXXX XXXX XXXX  ) with them to see if I qualify and whats their rate. 
We decided to go further and they requested documentation about my incomes, insurance, w2, my actual mortgage statement etc in order to work the figures more accurately. 
I specifically indicated and insisted 3 times I dont want them to run a hard credit check by phone and also in writing. They promised and confirmed they will do only a soft pull which I agree to it. 
Theyve made another call to ask me my driving licence and I say its not needed for a soft pull but they say they need at least my birth date. I refused to forward them my driving licence but gave them my date of birth and specifically mentioned again I dont want a hard pull. 

The same day, XXXX later, I received a notification from all credit bureaus mentioning they did a hard pull. I called them immediately and explained them theyve made a big mistake or had a misconduct ( which could be considered as a fraud as I did not authorized them ). 
A manager called me back XXXX later and denied they did a hard pull. Ive sent them the proof they did one and challenged me on that as if it was my word against his word. I told him to do the necessary to remove this hard inquiry by contacting each credit bureau in order to correct this mistake but he insisted saying he didnt do anything wrong and there was nothing he could do. Instead of trying to correct their mistake and apologize, he ended the conversation by saying hes withdrawing my application, as if I wanted to keep dealing with them. 

As I was reaching all credit bureaus in order to sort out this issue, the same manager contacted me again and say they are going to withdraw the inquiry. Ive forwarded him the following message XXXX sent me in order to proceed : If the inquiry was made in error, ask them to send a letter directly to each credit reporting agency that shows the inquiry to remove it from your credit report. I also requested a copy of it but Im still waiting for it.

Company response to consumer: Closed with explanation