vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Subject : Formal Dispute of Multiple Unauthorized Hard Credit Inquiries FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to formally dispute multiple unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent, and I believe they may be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681b, which governs when a consumer report may be accessed.

I did not apply for credit or authorize any of the companies listed below to perform a hard inquiry on or around the dates specified. 

Disputed Inquiries : Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, Equifax, TransUnion 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 Experian, Equifax, TransUnion 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 Experian, Equifax, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Supporting Documents Included : Copy of the credit report showing all three disputed inquiries Government-issued photo ID Proof of current address ( utility bill or bank statement ) Requested Action : I respectfully request the CFPB initiate a formal investigation into these inquiries and : Require the listed creditors to provide documentation proving I gave express written consent for each inquiry ; Permanently delete any inquiry that can not be properly validated as authorized under FCRA 1681b ; Issue an updated and corrected copy of my credit report once any unauthorized inquiries are removed. 
Please provide written confirmation of the results of your investigation. I am prepared to take further steps under the FCRA should this matter not be resolved. 

Thank you for your assistance and prompt attention.

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 2025-07-16 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: MI

Complaint narrative:
Subject : Formal Dispute of Multiple Unauthorized Hard Credit Inquiries FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to formally dispute multiple unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent, and I believe they may be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681b, which governs when a consumer report may be accessed.

I did not apply for credit or authorize any of the companies listed below to perform a hard inquiry on or around the dates specified. 

Disputed Inquiries : Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, Equifax, TransUnion 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 Experian, Equifax, TransUnion 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 Experian, Equifax, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Supporting Documents Included : Copy of the credit report showing all three disputed inquiries Government-issued photo ID Proof of current address ( utility bill or bank statement ) Requested Action : I respectfully request the CFPB initiate a formal investigation into these inquiries and : Require the listed creditors to provide documentation proving I gave express written consent for each inquiry ; Permanently delete any inquiry that can not be properly validated as authorized under FCRA 1681b ; Issue an updated and corrected copy of my credit report once any unauthorized inquiries are removed. 
Please provide written confirmation of the results of your investigation. I am prepared to take further steps under the FCRA should this matter not be resolved. 

Thank you for your assistance and prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: WI

Complaint narrative:
XXXX XXXX XXXX $XXXX XXXX $XXXX XXXX XXXX $XXXX XXXX XXXX $XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXInquires 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 XXXXNone of these companies have attempted to properly investigate my credit report in the derogatory remarks thats on it or the inquiries. Im aware of the experience has been sued due to not properly doing investigations, as asked by the consumer. I would like you guys to parent this investigation.'

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 2025-07-16 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have tried repeatedly to add my Wells Fargo XXXX XXXX XXXX XXXX to my XXXX XXXX. Both times i have ran into an error that says Please contact card issuer. I have not found a way to communicate to Wells Fargo about this issue and there is no notification or indication on my account that this would be a problem. 

My XXXX is running the latest and most up to date version of XXXX. I have deleted and redownloaded both the Wells Fargo App and the XXXX XXXX  app. Both apps have been upgraded to the latest versions. 

I am still unable to add my XXXX credit card to my XXXX XXXX. This is a new issue that started last week.

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 2025-07-16 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX To : Wells Fargo Bank XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX Subject XXXX Fraudulent Charges on My Account Urgent Dispute Request Dear Wells Fargo XXXX Department XXXX XXXX XXXX writing to formally dispute unauthorized and fraudulent transactions that have appeared on my [ checking/savings/credit card ] account with your institution. I believe these charges were made without my knowledge or consent and are the result of fraudulent activity. 

Account Information : Account Holder Name : XXXX XXXX Account Number : XXXX Type of Account : Checking Date I Noticed Fraud : XX/XX/XXXX List of Fraudulent Transactions : Amount : {$590.00} Merchant/Description : XXXX XXXXXXXX, this account is not in my name List of Fraudulent Transactions : Amount : {$480.00} Merchant/Description : XXXX XXXXXXXX, this account is not in my name List of Fraudulent Transactions : Amount : {$610.00} Merchant/Description : XXXX XXXXXXXX, this account is not in my name List of Fraudulent Transactions : Amount : {$430.00} Merchant/Description : XXXX XXXXXXXX, this account is not in my name List of Fraudulent Transactions : Amount : {$120.00} Merchant/Description : XXXX XXXXXXXX, this account is not in my name List of Fraudulent Transactions : Amount : {$600.00} Merchant/Description : XXXX XXXX, this account is not in my name

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 2025-07-16 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: CT

Complaint narrative:
I am filing a complaint regarding a fraudulent XXXX XXXX account and unauthorized credit inquiries appearing on my credit report under my name ( XXXX XXXX XXXX XXXX I did not open the XXXX account reporting a {$12000.00} balance with XXXX consecutive missed payments and now marked as a collection account. This is identity theft or a reporting error. 

In addition, there are XXXX unauthorized hard inquiries from : XXXX XXXX XXXX XXXX XX/XX/year> XXXX Bank XXXX XXXX XXXX XX/XX/year> ) XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> ) I never applied for credit with any of these entities and did not consent to any of these inquiries. I have contacted the credit bureaus to request an investigation and removal, but I am submitting this complaint to ensure proper handling and removal of these fraudulent entries. 

I am requesting the CFPB to assist in having these items permanently removed from all three 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 explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus ( Experian, Equifax & TransUnion ) are required to conduct a reasonable reinvestigation within 30 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 eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). The CFPBs XX/XX/2025 enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 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 item without proof.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: DC

Complaint narrative:
The first time XX/XX/XXXX when XXXX XXXX XXXX took my money without my knowledge or consent I demanded to know why and my money back cus I dont even own and XXXX account and when it happened the XXXX and XXXX I been calling to get customer service and tell them lock the account and do a investigation they didnt seem to care

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Early Warning Services reported two accounts tied to XXXX XXXX XXXX and XXXX without my consent or authorization. I never applied for services that required Early Warning to pull or report my information. Both accounts were later deleted, which shows they were not verifiable. I sent a certified demand letter on XX/XX/year>, requesting investigation and compensation. As of today, Ive received no response. This violates FCRA 1681b, 1681e ( b ), 1681n, and 1681o. I am requesting deletion confirmation and {$2500.00} in compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft. 

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 





Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Supporting Documentation Included : 1. A copy of my government-issued ID ( drivers license ). 
2. A signed copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ).

3. A copy of the police report documenting the identity theft incident.

Relevant Background on Data Breaches My personally identifiable information ( PII ) may have been compromised during one or more of the following data breaches, which have affected millions of consumers : Equifax ( XXXX ) : Exposed SSNs, birthdates, and credit information of XXXX XXXX individuals. 
XXXX XXXX XXXX XXXX XXXX  ) : Compromised drivers license and SSNs of over XXXX XXXX applicants. 
XXXX XXXX XXXX XXXXXXXX ) : Included personal and financial data of XXXX XXXX individuals. 

These breaches likely contributed to the unauthorized use of my identity and the fraudulent activity on my credit file. 


Request for Immediate Action Under FCRA Section 605B, you are required to block these fraudulent accounts and inquiries from my credit report within four ( 4 ) business days of receiving this request and the supporting documentation. Additionally, please notify the creditors listed above that the disputed items were the result of identity theft and should no longer be pursued or reported. 

Please send written confirmation once the removal and blocking have been completed. If you need additional information, I am reachable at the contact information provided above. 

Thank you for your time and immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hard inquiries not recognized by me : XXXX XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( Experian ), XXXX  XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX  - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ), XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ), XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( TransUnion ), XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( TransUnion ).

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 2025-07-16 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: OK

Complaint narrative:
Despite submitting valid disputes, the credit bureaus failed to verify or correct inaccurate accounts on my report. This has negatively impacted my credit score and financial opportunities.

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 2025-07-16 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: OK

Complaint narrative:
Despite submitting valid disputes, the credit bureaus failed to verify or correct inaccurate accounts on my report. This has negatively impacted my credit score and financial opportunities.

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 2025-07-16 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: IL

Complaint narrative:
I am formally submitting a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file 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

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 2025-07-16 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:
An unrecognized collection account has been added to my credit file. I have no knowledge of or responsibility for this account and have never agreed to any such obligation.

Company response to consumer: Closed with explanation