vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding multiple unauthorized hard inquiries that have been reported on my credit file without my knowledge or consent. These inquiries are harming my credit score and violate the protections granted to me under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b.

As per the FCRA, a hard inquiry may only be conducted with the express written permission of the consumer, and only for permissible purposes such as a credit application initiated by the consumer. I have not applied for any credit, loan, or service with the following entities : XXXX. XXXX Inquiry Date : XX/XX/XXXX Issue : I never initiated any credit application or authorized any inquiry with XXXX. This inquiry was made without my knowledge or consent. 
FCRA Violation : 15 U.S.C. 1681b ( c ) Requires a permissible purpose for obtaining a consumer report.

15 U.S.C. 1681b ( f ) No person shall obtain a consumer report without a permissible purpose. 
XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not apply for any credit or service from XXXX XXXX. This unauthorized inquiry negatively affected my credit profile. 
FCRA Violation : 15 U.S.C. 1681b ( a ) ( 3 ) No permissible purpose was established.

15 U.S.C. 1681b ( f ) Unlawful access to my credit file. 
XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I have no record of any credit request or authorization for XXXX XXXXXXXX to review my credit report. 
FCRA Violation : 15 U.S.C. 1681b ( b ) ( 2 ) ( A ) ( i ) Lack of written authorization.

15 U.S.C. 1681n & 1681o Civil liability for willful or negligent noncompliance.

These unauthorized inquiries are damaging my credit standing and have caused undue stress. I am requesting that these inquiries be thoroughly investigated and permanently removed from all consumer reporting agencies where they have appeared.

Resolution Requested : Immediate deletion of these unauthorized inquiries from my credit file. 
An investigation into how these entities were allowed to access my report without proper authorization. 
Confirmation in writing of the removal and the outcome of the investigation. 
I am attaching a copy of my government-issued ID and a recent copy of my credit report highlighting the inquiries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
I saw a collection in XXXX XXXX and went to see what the original debt was. No details appear. The original debt is listed as the name of the collection agency. I know it's not credit card or auto. I don't see how it could be medical. I never purchased anything from them. I've never heard of them. 

They are called Radius Global Solutions, and claiming an unexplained {$190.00}. 

I tried to dispute via XXXX XXXX dispute but it looks like that process is broken.

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 2025-06-13 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never XXXX " I recently reviewed my consumer report and noticed an incorrect XXXX payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER XXXX. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: TX

Complaint narrative:
XXXX of XXXX I was in XXXX XXXX XXXX and I released my wallet to a friend so that he could take my debit card to the bail bondsman to get me out of jail. My account was compromised and when I was released I went and filed the police report and then XXXX XXXX return the money that was stolen from me. However they wanted me to verify my identity so I attempted to do what they requested and they told me that I needed a current ID or driver 's license because my driver 's license XXXX driver 's license was expired. Numerous times I tried to resolve this without the identification or need driver 's license in the state of XXXX with no success. So I was re-arrested and I had to serve 20 month State Jail term. I was released XXXX of XXXX and I proceeded to try to get the account to hold lifted by using my XXXX identification card. Which had no luck. So I spoke with a supervisor and he told me that I could use the expired driver 's license as long as I had two secondary pieces of identification like a social security card and a birth certificate with the expired driver 's license. So I had to contact my mother and ask her to find my birth certificate and she did and she mailed it to me. So send an email with the front and back of the driver 's license front and back of the birth certificate in the front and back of the social security card, the other information that they requested was the disc case number my banking institute my new banking institute and what program I'm a part of that sends the direct deposit to XXXX XXXX. So I provided all this three or four times now and they continue to tell me that I need to provide the same documentation that I've already provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
I am formally disputing the presence of any unverified or inaccurate information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

I do not acknowledge any allegations of delinquency or derogatory marks unless supported by documented, verifiable evidence. Your failure to provide this evidence violates both federal and state regulations. 

I demand that you : Validate the accuracy and legal basis for all claims made on my credit file. 

Provide tangible documentation proving the legitimacy and permissible purpose of the account ( XXXX ) listed below. 

If such documentation does not exist, DELETE the account ( XXXX ) from my credit report immediately. 

Challenged Personal Information : Incorrect DOB : XXXX Incorrect Name : XXXX XXXX XXXX Disputed Account : XXXX XXXX XXXX You are in direct violation of 15 U.S. Code 1681b, which states a consumer reporting agency may only furnish a report with written instructions from the consumer. I have never provided such consent. Therefore, this account must be deleted immediately, or I will pursue monetary damages through small claims court in my city and state. 

This matter has already been escalated to the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals Office, Better Business Bureau ( BBB ), and the Federal Trade Commission ( FTC ). 

Furthermore, I strongly object to the practice of issuing generic form letters in response to consumer disputes. This is a violation of 15 U.S. Code 1681i, which requires a reasonable reinvestigation based on the specific facts of each dispute. 

I am the sole author of the letters submitted under my name. If you continue to ignore this matter, I will treat it as a willful violation of my rights under federal law and will seek legal recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00}

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was creating an XXXX account to sell baked goods and ship to different states. I was messaged my XXXX to verify my direct deposit to move forward. It was suppose to be a deposit sent to my acct of XXXX for me to verify but the merchant cleared my acct at the time. Amount XXXX merchant name was XXXX XXXX XXXX XXXX  date XX/XX/XXXX. They also denied a dispute from XXXX for XXXX XXXX I paid a company to get my license and was told by XXXX  no payment was needed to be made. Chime would not reverse that payment and that was the reason I stopped using them but I wanted to give them a try again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-14 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: GA

Complaint narrative:
I am filing this complaint against Equifax and XXXX XXXX ( Closed ) for multiple violations of federal law related to the inaccurate and unlawful reporting of an account on my consumer credit report. 

Issues and Violations : 1. Inaccurate Reporting of Account Number The account in question is being reported with an incomplete and unverifiable number : Account Number : XXXX XXXX 
This account number is not specific, verifiable, or traceable, and as such, it fails to meet the standard for accuracy and transparency under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that all information reported about a consumer must be complete and accurate.

2. Late Payments Reported Without Proper Disclosures There are multiple late payments reported on this account, but I was never provided any of the disclosures required by law prior to the derogatory information being added to my report. This is a violation of : 15 U.S. Code 1666b Timing of Payments, which governs when payments are considered timely and how creditors must process them ; And a potential violation of 15 U.S.C. 1692e ( under the FDCPA ) if the reporting is misleading or deceptive.

Without proper notice or opportunity to cure, these reported late payments are unjustified.

3. Charge-Off Status with a Balance Violation of 12 CFR 1026.11 This account is listed as a charge-off with a remaining balance. Under 12 CFR 1026.11 ( c ), any account charged off with a credit balance must either be refunded or returned to the consumer. If a creditor claims to have charged off the account but continues to list a balance, this is inconsistent and misleading. A charged-off account should not simultaneously reflect an amount owed unless active collection is properly disclosed and verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: PA

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: DE

Complaint narrative:
On XX/XX/year>2025 I sent my FTC report and my license to Experian. I have fraudulent accounts reporting on my consumer report. I did not authorize these accounts.

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 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I received a notification saying that my credit report is available which is weird because I have no credit I haven't opened an account or have a credit card I checked the report and it said I owed almost XXXX XXXX on a citi credit card I scared I don't know what to do

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 2025-06-14 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been 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 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: FL

Complaint narrative:
So i use cash app and constantly apple charges me for things that i dont try to buy and XXXX too so thats why i always have my card locked, today i get a transaction of XXXX and it goes thru i dont know why if my card was locked. I went on devices nobody else is in my cash app so i went on linked business and XXXX  was linked so thats why it probably went thru even tho my card was locked. I call customer service and they say they cant confirm my information i dont know why if every single information they were asking for was correct, then they tell me to text customer support and i did and then they tell me i cant get my money back?

Company response to consumer: Closed with explanation