vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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:
I am a victim of identity theft and of the Equifax data breach ( XXXX XXXX. XXXX ). Multiple fraudulent charge-off/collection tradelines are reporting and the bureaus keep replying verified without providing a method of verification. The items are also inconsistent across bureaus, showing different balances/statuses and even different reporting bureaus. 
Accounts to remove/block under FCRA 605B ( 15 U.S.C. 1681c-2 ) and cease furnishing under 1681b ( no permissible purpose ) : XXXX XXXX XXXX ( Public Storage ) Acct # XXXX * * {$250.00} listed as TransUnion open collection/chargeoff, placed for collection ( XX/XX/XXXX ). 

XXXX XXXX XXXX Acct # XXXX {$22.00} reported derogatory/chargeoff ( see report ). 

XXXX XXXX ( XXXX XXXX  ) Acct # XXXX * * shows different statuses across bureaus ( open vs. closed ; meets FCRA language ) and varying balances/dates. 


XXXX XXXX ( XXXX XXXX XXXX ) Acct # XXXX appears on Experian only with different amounts/dates. 

Hard inquiries created by or related to the fraud should also be deleted ( XXXX ) : XXXX  ( XX/XX/XXXX, Equifax ) ; XXXX  ( XX/XX/XXXX, TransUnion ) ; XXXX XXXX XXXX ( XX/XX/XXXX, Experian ) ; XXXX XXXX  ( XX/XX/XXXX, TransUnion ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
I am a victim of identity theft and of the Equifax data breach ( XXXX XXXX. XXXX ). Multiple fraudulent charge-off/collection tradelines are reporting and the bureaus keep replying verified without providing a method of verification. The items are also inconsistent across bureaus, showing different balances/statuses and even different reporting bureaus. 
Accounts to remove/block under FCRA 605B ( 15 U.S.C. 1681c-2 ) and cease furnishing under 1681b ( no permissible purpose ) : XXXX XXXX XXXX ( Public Storage ) Acct # XXXX * * {$250.00} listed as TransUnion open collection/chargeoff, placed for collection ( XX/XX/XXXX ). 

XXXX XXXX XXXX Acct # XXXX {$22.00} reported derogatory/chargeoff ( see report ). 

XXXX XXXX ( XXXX XXXX  ) Acct # XXXX * * shows different statuses across bureaus ( open vs. closed ; meets FCRA language ) and varying balances/dates. 


XXXX XXXX ( XXXX XXXX XXXX ) Acct # XXXX appears on Experian only with different amounts/dates. 

Hard inquiries created by or related to the fraud should also be deleted ( XXXX ) : XXXX  ( XX/XX/XXXX, Equifax ) ; XXXX  ( XX/XX/XXXX, TransUnion ) ; XXXX XXXX XXXX ( XX/XX/XXXX, Experian ) ; 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 2025-08-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : [ Insert Date ] Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate Reporting XXXXXXXX XXXX XXXX Account To Whom It May Concern, I am formally disputing the accuracy of the information being reported on my Equifax credit file regarding the XXXX XXXX XXXX account. 
Between XX/XX/XXXX, and XX/XX/XXXX, a remark was added to this account stating : Redeemed or reinstated repossession. 
This is factually inconsistent with the prior status of this account, which has been reported as a charge-off. A single account can not legally be reported as both : a charge-off ( debt written off as uncollectible ), and a redeemed or reinstated repossession ( loan reinstated or redeemed after repossession ). 
Reporting both is contradictory and misleading to potential creditors and constitutes a violation of : FCRA 607 ( b ) : Requiring consumer reporting agencies to assure maximum possible accuracy. FCRA 611 ( a ) : Mandating reinvestigation and correction/deletion of any inaccurate or unverifiable information. FCRA 602 ( A ) : Prohibiting reporting that creates an unfair or misleading impression about a consumers creditworthiness.

I demand that Equifax conduct a full reinvestigation and delete this account entirely from my credit file if XXXX XXXX can not provide verifiable documentation to support both of these conflicting statuses. 
Partial correction or leaving the remark intact will not resolve the inaccuracy. 
Please provide me with the results of your investigation within the 30 days required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I am a long-term Citi cardmember XXXX XXXX XXXX  ) and hold multiple Citi accounts , including : Citi XXXX Mastercard XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citi XXXX Mastercard ( ending in XXXX XXXX XXXX XXXX XXXX Citi XXXX XXXX Mastercard XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Over the past year, despite financial challenges, I have worked consistently to pay down balances and reduce debt. My payment history shows I am actively lowering balances and responsibly managing my accounts. 

Recently, Citi has lowered my credit limits across multiple accountsreducing the limit to only slightly above my current balance. These actions have : Artificially inflated my credit utilization ratio, which has severely damaged my credit score despite my ongoing repayment progress. 
Undermined my ability to recover financially by making it appear as though I am maxed out, even when I am steadily paying down debt. 
Created unnecessary hardship, punishing me for responsible repayment rather than supporting my efforts. 

I want to note that while I did have one late payment with another creditor in the past year, it was an oversight that I quickly corrected and brought current. This isolated incident has no bearing on my Citi accounts. In fact, I have never had a single late payment with Citi in all my years as a customer since XXXX. Despite this perfect payment history, Citi has chosen to repeatedly penalize me with aggressive credit limit reductions that artificially harm my credit profile and negate my repayment efforts. This treatment of a loyal customer is both disproportionate and unfair. 

The repeated reductions across several Citi accounts demonstrate a systemic pattern that unfairly harms my credit profile. This practice directly contradicts the purpose of credit scoring, which is meant to reward repayment and responsible use.

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 2025-08-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX VA XXXXDate of Birth: XXXXSSN: XXXXXXXXTO: EXPERIAN, TRANSUNION, EQUIFAX\nSubject: Unauthorized Hard Inquiry Dispute & Removal Request\n\nI am writing to dispute several unauthorized hard inquiries on my credit file. These inquiries were not approved by me and do not reflect any credit application I initiated.\n\nPursuant to my rights under the Fair Credit Reporting Act (FCRA) 604(a)(2), a consumer reporting agency may only furnish my credit report for a permissible purpose, such as a credit application, employment screening, or insurance underwriting. Any inquiry made without my knowledge or consent is considered impermissible and must be removed immediately.\n\nAdditionally, under FCRA 611 (15 U.S.C. 1681i), I have the right to dispute inaccurate information, and the credit reporting agency must conduct a reasonable investigation and remove any unverifiable or unauthorized inquiries.\n\n Case Law Supporting My Dispute\XXXX XXXX XXXX XXXX XXXX XXXX (257 F.3d 409, 4th Cir. 2001)  Reinforces the duty of consumer reporting agencies to ensure maximum possible accuracy.\XXXX v. TransUnion Corp. (246 F.3d 359, 5th Cir. 2001)  Establishes liability for failure to remove inaccurate or unverifiable informationXXXX v. Equifax, Inc. (602 F.2d 811, 8th Cir. 1979)  Confirms a consumers right to dispute and have erroneous credit data corrected.\n\nThese cases collectively support my position that credit bureaus are obligated to remove impermissible or unverifiable inquiries to maintain accuracy.\n\n Unauthorized Inquiries to RemoveXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Action\nI am formally requesting that you:\n\nInvestigate these inquiries to verify if there was a permissible purpose.\n\nRemove any inquiries that cannot be verified as authorized by me.\n\nProvide written confirmation of the deletion of these unauthorized inquiries.\n\nUnder the FCRA, if the inquiries cannot be verified, they must be removed within 30 days and you must send me written notice of your actions.\n\nI have enclosed copies of my ID and proof of address for verification purposes.\n\nThank you for your prompt compliance with this request.\n\n\n\nSincerelyXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX VA XXXXDate of Birth: XXXXSSN: XXXXXXXXTO: EXPERIAN, TRANSUNION, EQUIFAX\nSubject: Unauthorized Hard Inquiry Dispute & Removal Request\n\nI am writing to dispute several unauthorized hard inquiries on my credit file. These inquiries were not approved by me and do not reflect any credit application I initiated.\n\nPursuant to my rights under the Fair Credit Reporting Act (FCRA) 604(a)(2), a consumer reporting agency may only furnish my credit report for a permissible purpose, such as a credit application, employment screening, or insurance underwriting. Any inquiry made without my knowledge or consent is considered impermissible and must be removed immediately.\n\nAdditionally, under FCRA 611 (15 U.S.C. 1681i), I have the right to dispute inaccurate information, and the credit reporting agency must conduct a reasonable investigation and remove any unverifiable or unauthorized inquiries.\n\n Case Law Supporting My Dispute\XXXX XXXX XXXX XXXX XXXX XXXX (257 F.3d 409, 4th Cir. 2001)  Reinforces the duty of consumer reporting agencies to ensure maximum possible accuracy.\XXXX v. TransUnion Corp. (246 F.3d 359, 5th Cir. 2001)  Establishes liability for failure to remove inaccurate or unverifiable informationXXXX v. Equifax, Inc. (602 F.2d 811, 8th Cir. 1979)  Confirms a consumers right to dispute and have erroneous credit data corrected.\n\nThese cases collectively support my position that credit bureaus are obligated to remove impermissible or unverifiable inquiries to maintain accuracy.\n\n Unauthorized Inquiries to RemoveXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Action\nI am formally requesting that you:\n\nInvestigate these inquiries to verify if there was a permissible purpose.\n\nRemove any inquiries that cannot be verified as authorized by me.\n\nProvide written confirmation of the deletion of these unauthorized inquiries.\n\nUnder the FCRA, if the inquiries cannot be verified, they must be removed within 30 days and you must send me written notice of your actions.\n\nI have enclosed copies of my ID and proof of address for verification purposes.\n\nThank you for your prompt compliance with this request.\n\n\n\nSincerelyXXXX 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 2025-08-18 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/Information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$560.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) 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 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 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
To Whom It May Concern, I am filing a complaint against Equifax, Experian, and TransUnion for willful non-compliance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611.

I disputed the following accounts : Auto now financial Per FCRA Section 609, I requested original signed contracts proving the debts. The bureaus failed to provide this documentation. Per Section 611, unverifiable information must be deleted within 30 days. This did not occur. I am requesting immediate deletion of these accounts fro
m all credit reports. Exhibits AG document the timeline, my requests, and the bureaus failure to comply. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convections of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-17 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: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
On XX/XX/year>2025, XXXX XXXX withdrew {$5000.00} from my Schwab account via ACH. I provided my account information only on the condition that certain terms were met : ( 1 ) closing no later than XX/XX/scrub> 2025, ( 2 ) participation in an FHA buy-down program, and ( 3 ) inclusion of required closing disclosures. None of these conditions were satisfied. 

The contract itself ( Section 38 ) required both the signed agreement and the earnest deposit to be delivered simultaneously for the agreement to become binding. Schwab allowed XXXX to debit my account four days after the contract was signed, without a valid binding agreement in place.

Following inspections, multiple serious structural and habitability defects were identified ( foundation cracks, wall deflection, nonconforming hallway entry ). Under Section 21 of the purchase agreement and Texas law, I had the right to terminate and receive a refund of my deposit. XXXX refused and instead offered to apply the deposit toward a future purchase. 

I filed a dispute with Schwab under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq. However, Schwab denied my claim without conducting a reasonable investigation or addressing the evidence I provided.

This was an unauthorized transaction because : - The conditions under which I gave my account information were not met.

- No binding contract was in effect.

- The seller engaged in material nondisclosure and misrepresentation.

- I properly exercised my right to terminate and demand a refund.

Company response : - Schwab failed to conduct a reasonable investigation into my dispute.

- Schwab denied my claim even though the ACH debit lacked valid authorization under EFTA.

Company response to consumer: Closed with explanation