vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To Whom It May Concern at the CFPB, I am filing this complaint to request a formal investigation into the excessive number of hard credit inquiries placed on my credit reportsparticularly with TransUnionon or around XXXX, XXXX. Up until XX/XX/XXXX These inquiries stem from a single attempt to obtain auto financing through a dealership. 

When reviewing my TransUnion report, I discovered over 95 hard inquiries from dozens of different auto lenders, many duplicated on the exact same day. I did not knowingly authorize this level of inquiry activity. I only applied for financing once and did not give informed consent for each individual lender to access my credit report. 

I contacted all three credit bureausTransUnion, Experian, and Equifaxby phone to dispute these inquiries. My disputes were denied, and I was not given the opportunity to submit documentation or an explanation in writing. There was no clear investigation conducted. 

I also contacted the dealership directly. They claimed I had given authorization, but I only intended to submit one credit application. I was never informed that my personal information would be distributed to dozens of lenders simultaneously. 

Due to the overwhelming number of inquiries and the bureaus refusal to investigate, I took the step of freezing my TransUnion credit file after the dispute in an attempt to prevent further damage. 

This level of inquiry activity, performed without clear authorization, violates my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this situation and compel the credit bureaus to remove these excessive and improperly authorized inquiries from my reports. Lender Name Number of Inquiries 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 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  Thank you for your attention to this matter and your efforts to protect consumers from unfair credit reporting practices. 

Sincerely, XXXX XXXX Duplicate Inquiries by Lender ( All Dated Around XX/XX/XXXX ) : through out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TN

Complaint narrative:
The fraudulent inquiries are affecting my ability to obtain credit. Please delete them. I filed an FTC report.

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 2025-07-27 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: PR

Complaint narrative:
b'Subject: Formal Dispute under 15 U.S.C. 1666, 1666(b), and 1681  Request for Deletion or Update of Late Payments\nDear Credit Bureau,\nI am submitting this letter as a formal dispute under the Fair Credit Billing Act (15 U.S.C. 1666 and 1666(b)) and the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), regarding inaccurate and potentially unverifiable late payments reported on my credit file for the following account:\n Creditor Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds for Deletion or Update\n 15 U.S.C. 1666 & 1666(b): Requires creditors to fully investigate any billing or reporting error within 30 days. If accuracy cannot be verified, the disputed entry must be corrected or removed.\n 15 U.S.C. 1681s-2: Prohibits reporting information that is inaccurate, incomplete, or unverifiable.\n 15 U.S.C. 1681i: Mandates credit bureaus to reinvestigate disputed data and delete or modify entries that cannot be substantiated.\n 15 U.S.C. 1681n & 1681o: Establish liability for negligent or willful noncompliance with these federal laws.\n2. Dispute Details\n This account is paid and closed as of XXXX.\n The negative late payment history is no longer accurate or reflective of my current standing.\n Any unverifiable or outdated data must be deleted immediately.\n3. Requested Action\n Remove all late payment notations and derogatory marks from this account; OR\n Update the account to reflect Paid as Agreed or Never Late; and\n Provide me with written confirmation of your actions within the 30-day period required by law. \n\n4. Notice of Rights\nFailure to comply with these statutes may result in complaints to the CFPB, FTC, and other relevant authorities, as well as legal action.\nThank you for your immediate attention to this matter.\nSincerely,\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Goodwill Adjustment XXXX XXXX XXXX  Credit Department,\nI am writing regarding my auto loan account (Account #XXXX), which was opened on XXXXXXXX XXXX XXXX XXXX XXXX This account is reported as paid and closed, but late payment notations remain on my credit report.\nI respectfully request a Goodwill Adjustment for the removal of these late payments. Since the closure of this account, I have demonstrated consistent and responsible financial management. Removing the derogatory entries would greatly assist me in rebuilding my credit profile.\nThis is not a dispute of the accuracy but rather a goodwill request for consideration.\nThank you for your time and understanding.\nSincerely, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
b'Subject: Formal Dispute under 15 U.S.C. 1666, 1666(b), and 1681  Request for Deletion or Update of Late Payments\nDear Credit Bureau,\nI am submitting this letter as a formal dispute under the Fair Credit Billing Act (15 U.S.C. 1666 and 1666(b)) and the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), regarding inaccurate and potentially unverifiable late payments reported on my credit file for the following account:\n Creditor Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds for Deletion or Update\n 15 U.S.C. 1666 & 1666(b): Requires creditors to fully investigate any billing or reporting error within 30 days. If accuracy cannot be verified, the disputed entry must be corrected or removed.\n 15 U.S.C. 1681s-2: Prohibits reporting information that is inaccurate, incomplete, or unverifiable.\n 15 U.S.C. 1681i: Mandates credit bureaus to reinvestigate disputed data and delete or modify entries that cannot be substantiated.\n 15 U.S.C. 1681n & 1681o: Establish liability for negligent or willful noncompliance with these federal laws.\n2. Dispute Details\n This account is paid and closed as of XXXX.\n The negative late payment history is no longer accurate or reflective of my current standing.\n Any unverifiable or outdated data must be deleted immediately.\n3. Requested Action\n Remove all late payment notations and derogatory marks from this account; OR\n Update the account to reflect Paid as Agreed or Never Late; and\n Provide me with written confirmation of your actions within the 30-day period required by law. \n\n4. Notice of Rights\nFailure to comply with these statutes may result in complaints to the CFPB, FTC, and other relevant authorities, as well as legal action.\nThank you for your immediate attention to this matter.\nSincerely,\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Goodwill Adjustment XXXX XXXX XXXX  Credit Department,\nI am writing regarding my auto loan account (Account #XXXX), which was opened on XXXXXXXX XXXX XXXX XXXX XXXX This account is reported as paid and closed, but late payment notations remain on my credit report.\nI respectfully request a Goodwill Adjustment for the removal of these late payments. Since the closure of this account, I have demonstrated consistent and responsible financial management. Removing the derogatory entries would greatly assist me in rebuilding my credit profile.\nThis is not a dispute of the accuracy but rather a goodwill request for consideration.\nThank you for your time and understanding.\nSincerely, 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 2025-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
This account has popped up on my credit reports although it was paid in full. This account needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts hindering my ability to obtain credit. They have been reinstated without my consent or notification after being removed and deleted FOUR TIMES. This is an ONGOING act of AGGRAVATED IDENTITY THEFT. PLEASE REFER TO THE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had 8 late payments on an account that I was never late for and also this account was closed involuntarily with no form of notification to me the consumer. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) : account # ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. Thanks,

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 2025-07-27 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EQUIFAX credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS - XXXX XXXX {$5600.00} INQUIRIES - XXXX  XXXX, XXXX XXXX, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent inquiries and accounts on my consumer XXXX report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: PA

Complaint narrative:
b'Consumer Financial Protection Bureau\nXXXX XXXX XXXX XXXX XXXXSubject: Request for Investigation of Potentially Unlawful Reporting and Collection Practices\n\nDear CFPB Representative,\n\nI am writing to formally file a complaint and request a thorough investigation into multiple accounts being reported on my consumer credit reports that I believe are inaccurate, unverified, or being reported in violation of federal consumer protection laws. These accounts are negatively affecting my credit profile and do not reflect lawful debt collection or reporting practices as outlined in the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, and the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692.\n\nUnder the FCRA, credit reporting agencies and furnishers of information are legally obligated to report only accurate and verifiable information. Section 609(a)(1) and Section 611 require full verification upon consumer request. Under the FDCPA, debt collectors are prohibited from reporting debts that are not validated or are being collected through misleading or deceptive practices.\n\nI am requesting that the CFPB investigate the following accounts for possible violations:\n\n List of Disputed AccountsXXXX XXXX XXXXn\nBalance: XXXXDate Opened: XXXXDate Reported: XXXXType: FHA Real Estate Mortgage\n\nReason: No validation or verification of debt provided per 15 U.S.C.  1681g and  1692g.\n\XXXX XXXX XXXX*\n\nBalance: XXXXate Opened: XXXXn\nDate ReportedXXXX XXXX\n\nReason: No notice of collection; unverified reporting in violation of FCRA.\n\XXXX XXXX XXXX Multiple Entries\n\nXXXX XXXX   Opened XXXXXXXX XXXX  Opened XXXX XXXX   Opened 0XXXX XXXX   Opened XXXXnReason: Repeated and multiple listings without validation or consumer communication, potentially violating  1692e for misleading collection practices and  1681s-2 for inaccurate reporting.\n\nXXXX XXXX XXXX XXXX\n\nBalancXXXX XXXXDate Opened: XXXXn\nDate Reported: XXXXnReason: No supporting documentation or validation notice received.\n\nXXXX XXXX XXXX XXXX\n\nBalance: XXXX\nDate Opened: XXXX\n\nDate Reported: XXXXn\nReason: Failure to provide validation per  1692g(b); questionable collection methods.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
b'Consumer Financial Protection Bureau\nXXXX XXXX XXXX XXXX XXXXSubject: Request for Investigation of Potentially Unlawful Reporting and Collection Practices\n\nDear CFPB Representative,\n\nI am writing to formally file a complaint and request a thorough investigation into multiple accounts being reported on my consumer credit reports that I believe are inaccurate, unverified, or being reported in violation of federal consumer protection laws. These accounts are negatively affecting my credit profile and do not reflect lawful debt collection or reporting practices as outlined in the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, and the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692.\n\nUnder the FCRA, credit reporting agencies and furnishers of information are legally obligated to report only accurate and verifiable information. Section 609(a)(1) and Section 611 require full verification upon consumer request. Under the FDCPA, debt collectors are prohibited from reporting debts that are not validated or are being collected through misleading or deceptive practices.\n\nI am requesting that the CFPB investigate the following accounts for possible violations:\n\n List of Disputed AccountsXXXX XXXX XXXXn\nBalance: XXXXDate Opened: XXXXDate Reported: XXXXType: FHA Real Estate Mortgage\n\nReason: No validation or verification of debt provided per 15 U.S.C.  1681g and  1692g.\n\XXXX XXXX XXXX*\n\nBalance: XXXXate Opened: XXXXn\nDate ReportedXXXX XXXX\n\nReason: No notice of collection; unverified reporting in violation of FCRA.\n\XXXX XXXX XXXX Multiple Entries\n\nXXXX XXXX   Opened XXXXXXXX XXXX  Opened XXXX XXXX   Opened 0XXXX XXXX   Opened XXXXnReason: Repeated and multiple listings without validation or consumer communication, potentially violating  1692e for misleading collection practices and  1681s-2 for inaccurate reporting.\n\nXXXX XXXX XXXX XXXX\n\nBalancXXXX XXXXDate Opened: XXXXn\nDate Reported: XXXXnReason: No supporting documentation or validation notice received.\n\nXXXX XXXX XXXX XXXX\n\nBalance: XXXX\nDate Opened: XXXX\n\nDate Reported: XXXXn\nReason: Failure to provide validation per  1692g(b); questionable collection methods.'

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 2025-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/year>, I was scammed by someone pretending to be someone else that was selling a vehicle.The XXXX payments of {$250.00} were for a security deposit. I used the XXXX XXXX service in the Chime application. At the time we were supposed to meet & I pay the remainder in cash, that didnt come to past & they continued to request funds. I attempted to request the money back but the scammer blocked my account by then. I alerted Chime with proof of the conversion & they seen the payment transaction in my history. Then explained they would put it in their notes pertaining to the other account & there was nothing they could do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year> I was illegally charge a service charge on my cash app debit card in the amount of XXXX cents. I have reached out to my bank to let them know of the illegally charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have a XXXX  account, tried to send {$460.00} to XXXX XXXX on XXXX XXXX. 
I received a box that stated my card issuer declined the transaction. I contacted my credit union and learned XXXX  took {$2300.00} from my visa account and XXXX XXXX received NO funds! I contacted XXXX  XXXX, explained the issue and supplied a screen shot of the transaction from my account. She showed nothing and referred me back to my credit union. I called my credit union again, they could not help me! I have experienced FRAUD on the XXXX  site! They took my money ( way too much ) and XXXX XXXX received none. I am a senior citizen. 
Can you please help me get my money returned. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I electronically transferred {$100.00} on XX/XX/XXXX to a Capital One online savings account to open the account. All of my info was verified, the account opened successfully, and I did not have any issues. I then transferred {$10000.00} to the same saving account on XX/XX/XXXX and shortly thereafter I received the notice on the app that " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I proceeded to call the number, they asked for my driver 's license to confirm my identity, I submitted my driver 's license, and they said that it was not valid and asked if I had any other forms of ID ( like a passport ), and I said I did not ( also my driver 's license was just renewed so it not being valid can not be true ). Capital One proceed to say my account would be under investigation and that Capital One would no longer do business with me ( I would no longer be able to open accounts with them ) and there was no timetable for when my funds would be available. I have called multiple times since the initial conversation and I still receive the same runaround with none of my questions being answered. Capital One would not allow me to know what the issue was so I could help resolve it ( seems more than just identification ). I also allowed Capital One to call my bank I had transferred the money from to confirm the transfer, and the other bank confirmed it with me and the Capital One representative on the phone. Capital One will also not transfer the money back to where it initially came from either. As I am writing this, it has been 3 months with my funds frozen, not able to access or withdraw, without any notices or updates from Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the following inaccurate information that appears on my credit report maintained by XXXX XXXX XXXX as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a Secondary bureaus XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the following inaccurate information that appears on my credit report maintained by XXXX XXXX XXXX as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a Secondary bureaus LCI, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation