vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: AZ

Complaint narrative:
I discovered that I was added as an authorized user on a XXXX XXXX credit card account issued by XXXX XXXX without my knowledge or consent. I did not authorize this, nor did I give anyone permission to add me to this account. 

I contacted the credit bureaus to dispute the account, but I am requesting that XXXXXXXX XXXX  also remove me from this account and stop furnishing this inaccurate information to the credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), information on my credit report must be accurate and verifiable. Since I never agreed to be added to this account, this reporting is both inaccurate and unauthorized.

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 2025-07-30 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: PA

Complaint narrative:
Per 15 USC 1681 ( b ) I did not give written consent permissible purpose in my wet signature to obtain or furnish my consumer report. No consent is fraud. I did not authorize the listed accounts or inquiries to report to my consumer credit reports. Block & remove the accounts and inquiries immediately. US DEPARTMENT OF EDU XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US DEPARTMENT OF EDU XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
5/3 Bank keeps calling me on the day that my car loan is due. My bank has transferred the money already but apparently it hasn't posted on 5/3 Bank 's side. This is harassment. There is a grace period of usually 1 week. They should not call until the payment is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-30 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 XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington, XXXX XXXX Subject : Formal Request to Remove Unauthorized Hard Inquiries from Credit Reports Violation of 15 U.S.C. 1681c-2 Dear CFPB Representative, I am writing to formally dispute multiple unauthorized hard credit inquiries appearing on my credit reports from TransUnion, Equifax, and Experian, and to request their immediate removal pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. 

This federal law allows me to block any information resulting from identity theft or unauthorized use of my personal data, including hard inquiries, from appearing on my credit file. 

I did not authorize the following hard inquiries and request that they be investigated and permanently removed from my credit reports across all three credit bureaus : List of Unauthorized Hard Inquiries : Mobiloans Account # : XXXX Southwest Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ No account number listed XXXX XXXX  Date Inquired : XX/XX/XXXXXXXX XXXX XXXX Date Inquired : XX/XX/XXXX Capital One Date Inquired : XX/XX/XXXX Capital One Date Inquired : XX/XX/XXXXXXXX XXXX XXXX Date Inquired : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my knowledge, permission, or written authorization, which is a direct violation of my rights under the FCRA. As such, I am requesting that these inquiries be blocked from appearing on my credit reports within the required timeframe. 

In accordance with 15 U.S.C. 1681c-2, I request : The removal of these unauthorized inquiries within 7 business days of receipt of this letter.

Written confirmation of the removal from TransUnion, Equifax, and Experian. 

A copy of my updated credit reports showing the removal of the listed inquiries. 

I am including a copy of my government-issued photo ID, proof of address, and any supporting documents necessary to verify my identity and facilitate this request. 

If the matter is not resolved promptly, I will be forced to pursue further action under the rights granted to me by federal law, which may include legal remedies for failure to correct or investigate disputed items.

Thank you for your immediate attention to this matter. 

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 2025-07-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington, XXXX XXXX Subject : Formal Request to Remove Unauthorized Hard Inquiries from Credit Reports Violation of 15 U.S.C. 1681c-2 Dear CFPB Representative, I am writing to formally dispute multiple unauthorized hard credit inquiries appearing on my credit reports from TransUnion, Equifax, and Experian, and to request their immediate removal pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. 

This federal law allows me to block any information resulting from identity theft or unauthorized use of my personal data, including hard inquiries, from appearing on my credit file. 

I did not authorize the following hard inquiries and request that they be investigated and permanently removed from my credit reports across all three credit bureaus : List of Unauthorized Hard Inquiries : Mobiloans Account # : XXXX Southwest Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ No account number listed XXXX XXXX  Date Inquired : XX/XX/XXXXXXXX XXXX XXXX Date Inquired : XX/XX/XXXX Capital One Date Inquired : XX/XX/XXXX Capital One Date Inquired : XX/XX/XXXXXXXX XXXX XXXX Date Inquired : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my knowledge, permission, or written authorization, which is a direct violation of my rights under the FCRA. As such, I am requesting that these inquiries be blocked from appearing on my credit reports within the required timeframe. 

In accordance with 15 U.S.C. 1681c-2, I request : The removal of these unauthorized inquiries within 7 business days of receipt of this letter.

Written confirmation of the removal from TransUnion, Equifax, and Experian. 

A copy of my updated credit reports showing the removal of the listed inquiries. 

I am including a copy of my government-issued photo ID, proof of address, and any supporting documents necessary to verify my identity and facilitate this request. 

If the matter is not resolved promptly, I will be forced to pursue further action under the rights granted to me by federal law, which may include legal remedies for failure to correct or investigate disputed items.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: WHEELS FINANCIAL GROUP, LLC.
State: TX

Complaint narrative:
Hello I was looking over my credit and noticed inquires that i did not authorize. So I am writing to dispute an unauthorized credit inquiry listed on my credit report. I did not authorize XXXXXXXX XXXX XXXXXX/XX/2025 to access my credit, nor did I initiate any application or request that would have permitted this inquiry. Under the Fair Credit Reporting Act ( FCRA ), inquiries made without my consent are not permissible and should be removed from my credit report immediately. Thank you for all your help with this situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
I am writing to formally dispute the validity of the debt you claim I owe, which amounts to {$2800.00}. Account ending in XXXX. I recently contacted XXXX XXXX to get information to prepare for a lawsuit against them & was advised that the debt was forwarded to this office. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following documentation : Proof that I am legally obligated to pay this debt, specifically a copy of the original signed agreement showing my signature. Verification that I XXXX XXXX opened this account. Also I am requesting proper documentation showing chain of custody and proof of assignment that you have the authority to collect on this debt. This account was never opened by me nor did I authorize anyone else to open this account. XXXX XXXX has violated my rights as a consumer. They are aware that this account is the result of identity theft and I will be seeking damages in a federal lawsuit against them. This account is disputed, and is a result of identity theft. I have attached the identity theft affidavit. Cease all collection activities, and I request that you remove this debt from your records. Please confirm receipt of this letter and provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 have reviewed my credit report and found an account listed under my name that I did not open or authorize. I have never done business with this creditor, and I reject any claims suggesting that I am financially responsible for this obligation.

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 2025-07-30 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. 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 2025-07-30 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: NY

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ), the bureau is required to conduct a reasonable reinvestigation within XXXX  days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as XXXX  ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA XXXX ( b ) / XXXX XXXX. XXXX ( b ). Legal precedent : In light of the XXXX CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 
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 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
Toyota repossessed and sold my vehicle without providing a closing letter detailing the sale price. The sale price has not been adjusted on my credit report, preventing me from obtaining a new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Navy Federal Credit Union for failing to investigate or take appropriate action regarding unauthorized transactions that occurred on XX/XX/year>, via the XXXX  platform. These transactions were the result of a cyberattack on my XXXX account, and despite my multiple reports and follow-ups, XXXX XXXX has not initiated any dispute with the merchant, leaving me without support or a path to recover my stolen funds. 

Summary of Events : On XX/XX/year>, my XXXX  account was hacked, and several unauthorized transfers were made, totaling {$440.00} XXXX immediately reported the issue to XXXX  and XXXX XXXX, providing all supporting evidence, including the transaction details and my attempts to stop the activity. 

XXXX informed me that the bank must initiate the refund or dispute process to proceed with any refund. 

XXXX XXXX, however, has not contacted XXXX  to initiate any chargeback or dispute. This has been confirmed multiple times by XXXX. 

XXXX XXXX keeps repeating that " the case is closed, '' without providing any details, confirmation numbers, or proof that they actually investigated the issue or reached out to the merchant. 

My Concerns : Despite my clear explanation that this was a cybercrime, XXXX XXXX continues to dismiss my concerns and refuses to help me recover my money. 

This case has been ongoing for months, and I feel XXXX XXXX is acting in favor of the merchant by refusing to escalate or dispute the charge as they are required to under the Electronic Fund Transfer Act. 

I have shared all relevant documentation, including XXXX 's statements, yet XXXX XXXX has shown no willingness to protect my account or funds. 

I am extremely disappointed with how XXXX XXXX has handled this, and I feel unprotected, ignored, and financially vulnerable. I trusted this institution to safeguard my assets, and they have failed me. 

Thank you for your attention and help. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-07-30 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief