vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: NV

Complaint narrative:
The following hard inquiries were done without my consent. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX  Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX  Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX  Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

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 2025-05-29 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 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 - Incorrect XXXX XXXX XXXX  - XXXX Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXXXXXX XXXX XXXX  - Incorrect Personal XXXXXXXX XXXX XXXXXXXX - Incorrect Personal 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am a retired consumer and was the victim of an elaborate online relationship scam that involved emotional manipulation and coercive control. On XX/XX/year>, I reported the resulting financial abuse to Chase after realizing that the charges on my Chase Freedom card were the result of this exploitation. 

While I technically made the charges, they were done under extreme emotional distress, deception, and manipulation by a criminal posing as a romantic partner. I was misled into believing I was supporting someone in need, when in fact I was being financially abused. Chase did reverse the charges on another account tied to this situation, but denied my claim on the Freedom account, which feels inconsistent and unfair. 

I am requesting that Chase reconsider and reopen this fraud case, and that the CFPB review the broader pattern of abuse and coercion. Victims of romance scams often feel ashamed, but I have acted in good faith to correct this and should not be forced to carry the burden of debt created through emotional exploitation. 

I am a retired individual on fixed income and do not have the means to repay coerced debt. Please assist in ensuring this situation is reviewed with compassion, consistency, and justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NV

Complaint narrative:
The following hard inquiries were done without my consent. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX  Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX  Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX  Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

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 2025-05-29 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: NV

Complaint narrative:
The following hard inquiries were done without my consent. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX  Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX  Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX  Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am disputing XXXX late payment entries that are currently reporting inaccurately on my Equifax credit report. The XXXX XXXX XXXX XXXX account ( Account XXXX. XXXX ) reflects a late payment from XX/XX/XXXX with a balance of {$15000.00}, which is inconsistent with how the same account is reported by other credit bureaus and may reflect erroneous data. Given the differences in balance reporting and payment history across agencies, it is evident that Equifax has failed to ensure the consistency and accuracy of this account. In addition, the XXXX XXXX XXXX account ( Account XXXX. XXXX ) shows a derogatory late payment from XX/XX/XXXX, even though the account is closed and has a {$0.00} balance and no past due amount. The continued reporting of derogatory history on closed and fully paid accounts is not only misleading but likely a result of poor data maintenance or reporting errors that Equifax has not corrected. 

Pursuant to 15 U.S.C. 1681e ( b ), Equifax must maintain the maximum possible accuracy of all information in a consumers file, and under 15 U.S.C. 1681i, it must reinvestigate disputed items in a timely and effective manner. Inaccurate and outdated derogatory data can have devastating consequences on a consumers creditworthiness, particularly when it appears on accounts that have been closed and should no longer impact the report. These issues may stem from prior data breaches or reporting inconsistencies that Equifax has failed to properly address, further compounding the damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Consumer Name : XXXX XXXX Social Security Number : [ XXXX ] Date of Birth : [ XXXX  ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ XXXX XXXX XXXX ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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 2025-05-29 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ XXXX ] Date of Birth : [ XXXX  ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ XXXX XXXX XXXX ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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 non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is currently reporting a variation of my name as " XXXX XXXX XXXX, '' which is inaccurate and does not reflect my full legal name. I have never used this version of the name, and its presence on my credit file is both misleading and potentially harmful. Incorrect personal identifying information creates confusion during the credit review process and increases the likelihood of misattributed accounts or unauthorized inquiries being linked to my profile. 

As a consumer, I am entitled to accurate personal information under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681e ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information it includes in consumer reports. Including an incorrect name variant that I have never used does not meet this legal standard and raises serious concerns about the integrity of the data Experian maintains. It also presents a significant risk that this inaccurate name entry could be associated with accounts or activities that do not belong to me, which is particularly concerning in light of increasing data security breaches and cross-filed information errors.

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 2025-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westcreek Financial
State: IN

Complaint narrative:
The Company Koalafi did not make sure I received the lease car before charging me money and reporting to credit report bureau, my credit went down for a lease vehicle I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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.

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 2025-05-29 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: PA

Complaint narrative:
To whom this may concern my name is XXXX XXXX XXXX and this is not a third party filing this notice. I have a Fraudulent account being reported on my credit report that does not belong to me. Please remove it thank you. 
XXXX XXXX  XXXX Potentially negative Date opened Balance Status XX/XX/year> {$0.00}

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 2025-05-29 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: TN

Complaint narrative:
b'I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section\n605B of the Fair Credit Reporting Act (15 U.S.C.  1681c-2(a)), please block and delete them\nwithin 4 days:\nAlso, would like to have all addresses and names REMOVED from my credit report, except\nfor my only name and address listed below:\nName: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nPlease delete and block the following accounts from my credit report\nAccounts\nXXXX  - Account Number: XXXX, Date Opened: XXXX , Balance: 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 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

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 2025-05-29 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: GA

Complaint narrative:
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 XXXX business days of you receiving this complaint. 

These fraudulent, inaccurate, and false information consists of a personal credit card accounts and other fraudulent collection accounts since 2021. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the identity theft report filed that details the fraudulent accounts on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

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. I have attached a copy of FTC Identity Theft Criminal Complaint 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