vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-18 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: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Demand for Immediate Removal Dear Consumer Financial Protection Bureau, I am writing to formally dispute multiple unauthorized hard inquiries that have appeared on my consumer credit report. I did not initiate or authorize these inquiries, and as such, I believe they constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n ( a ), which provides for remedies against willful noncompliance, including statutory damages of up to {$1000.00} per violation.

The following hard inquiries were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without any signed authorization or permissible purpose as required under 15 U.S.C. 1681b. Their presence on my credit report has adversely impacted my credit score and constitutes fraudulent access to my consumer report.

I demand that these inquiries be immediately removed from my credit file. Failure to take corrective action within a reasonable period will result in legal remedies including, but not limited to, seeking statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n ( a ).

Please provide written confirmation that these inquiries have been removed, or that a full investigation has been initiated. I am requesting a response within 30 days from the date of this letter, as required by the FCRA. 

Attached are copies of my government-issued ID and a recent utility bill to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Demand for Immediate Removal Dear Consumer Financial Protection Bureau, I am writing to formally dispute multiple unauthorized hard inquiries that have appeared on my consumer credit report. I did not initiate or authorize these inquiries, and as such, I believe they constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n ( a ), which provides for remedies against willful noncompliance, including statutory damages of up to {$1000.00} per violation.

The following hard inquiries were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without any signed authorization or permissible purpose as required under 15 U.S.C. 1681b. Their presence on my credit report has adversely impacted my credit score and constitutes fraudulent access to my consumer report.

I demand that these inquiries be immediately removed from my credit file. Failure to take corrective action within a reasonable period will result in legal remedies including, but not limited to, seeking statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n ( a ).

Please provide written confirmation that these inquiries have been removed, or that a full investigation has been initiated. I am requesting a response within 30 days from the date of this letter, as required by the FCRA. 

Attached are copies of my government-issued ID and a recent utility bill to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Chime Financial Inc
State: MS

Complaint narrative:
early XXXX but XXXX let me submit my documents abt my XXXX loan I was trying to get

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
I am writing to formally dispute several accounts that are currently being reported on my credit report. I believe these items to be inaccurate, incomplete, or unverifiable. I request a thorough investigation into each of the following accounts under the Fair Credit Reporting Act ( FCRA ) and that any unverifiable or incorrect information be corrected or removed from my credit file. 
The accounts in question are as follows : XXXX. Creditor XXXX XXXX Account Number : Ending in XXXX Reported As : Collection/Charge Off Dispute Reason : I believe this account is being inaccurately reported and request validation of the debt, including all supporting documentation. 
XXXX. Creditor : XXXX Account Number : Ending in XXXX Reported As : Unknown Dispute Reason : This item is unclear and lacks proper identification or explanation. I request clarification and supporting documentation for this listing. 
XXXX. Creditor : XXXX Account Number : Ending in XXXX Reported As : Collection/Charge Off Dispute Reason : I dispute the accuracy of this account and request a full investigation and proper validation of the debt. 
XXXX. Creditor : XXXX XXXX  Account Number : Ending in XXXX Reported As : Collection/Charge Off Dispute Reason : I do not believe this debt is accurate. Please provide verification and proper documentation for this account. 
XXXX. Creditor : XXXX Account Number : Ending in XXXX Reported As : Collection/Charge Off Dispute Reason : I challenge the accuracy of this reporting and request a complete investigation and documentation supporting this entry. 
Please conduct a reasonable investigation into these accounts. If the information can not be verified, it must be removed from my credit file. I am including a copy of my ID and proof of address to assist with the process. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Credit Dispute Under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to dispute the accuracy and legality of the information being reported to your bureau regarding an account with XXXX, account number XXXX. This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Upon reviewing my credit report, I have identified the following inaccuracies related to this account, which appear across all three major credit bureaus : Incorrect or inconsistent Date Opened Inaccurate Account Status Unverified or erroneous Date of Last Payment Multiple discrepancies among the credit reporting agencies These inconsistencies violate my rights under the FCRA, which requires all information furnished to consumer reporting agencies to be accurate, complete, and verifiable. 
Additionally, this account involves a vehicle repossession that was conducted by a third-party agent without my consent or approval. I did not authorize the release of my personal information to any third party, which I believe is a violation of my privacy rights. The manner in which this repossession was executed raises serious legal and ethical concerns. 
Therefore, I am requesting that Experian initiate a full reinvestigation of this account and provide the following : XXXX. A copy of the original loan agreement and contract XXXX. The complete payment history on the account XXXX. All documentation related to the repossession, including : o Notice of default o Right to cure letters o Repossession order o Identity and authority of the repossessing party o Proof that I authorized the release of my personal information If the accuracy of this information can not be verified in full and with original documentation, I request that it be immediately removed from my credit file. 
Enclosed are copies of my government-issued ID, proof of address, and the relevant portion of my credit report highlighting the disputed entry. 
Please respond with the results of your investigation and any corrections made to my credit file within the XXXX timeframe required by law. 

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 2025-05-19 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
On XX/XX/year>, I received a letter from XXXX  informing me that a previously blocked account related to identity theft was reinserted into my personal credit report. The account is for a Wells Fargo Auto Loan that I had previously disputed as fraudulent and was successfully blocked under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. 

Experian claims the account was reinserted because of XXXX of the following : The request was based on a material misrepresentation ; I agreed in writing the block was in error ; or I knowingly obtained goods or services tied to the fraudulent transaction. 
I dispute these claims in their entirety. 

I have not made any material misrepresentations. 
I have not signed any document agreeing the block was in error. 
I did not open or authorize this auto loan, nor did I benefit from it.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I disputed XXXX bankruptcy records that were being reported on my credit file. On XX/XX/year>, I submitted proof to XXXX, including official XXXX  case details, that both bankruptcies should not have been reported. 

XXXX investigated and confirmed both records were inaccurate. They permanently deleted both from their system and stopped furnishing them. However, both bankruptcies are still being reported by the credit bureau, despite XXXX no longer supplying that data. 
This violates the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( a ) ( 5 ) : unverifiable data must be deleted 607 ( b ) : credit reporting must be maximally accurat

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NC

Complaint narrative:
6th Notice XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Good day, My name is XXXX XXXX XXXX XXXX and I am disputing/disagreeing with all negative items listed on my credit report. I have spoken to two separate customer service representatives/individuals in the weeks of XX/XX/XXXX and XX/XX/XXXX. I have disputed several items ; credit cards, charge-offs and personal loans hard and soft inquiries which do not belong to me, nor have I given my consent to anyone to open accounts in my name. I understand that there is/was a Security Breach, via Equifax, and now someone is using my Identity by Theft.

There are several inaccurate and negative items listed on my credit report, incorrect name, inaccurate addresses, telephone numbers, and employment. Listed below are the accurate/negative items of creditors, that needs to be deleted : All Hard and Soft Inquires. 
XXXX, XXXX, & XXXX ( XXXX XXXX XXXX ) - {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - {$940.00} XXXX XXXX XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  - {$1500.00} XXXX XXXX XXXX  {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15.U.S.C.6802 ; 15.U.S.C1681 ( 4 ) ; 15. U.S.C. 1681B2 ; 15. U.S.C.16881B2, these are not my accounts, nor hard/soft inquires and I did not authorize anyone to open accounts in my name. I want all negative items listed deleted : charge-offs, collections, soft and hard inquiries removed from my report.

Also, my name is incorrect : This is my correct/legal Name : my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my correct address for 10 /Yrs : - XXXX XXXX XXXX - XXXX, NC XXXX This is my correct telephone number : - XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Thank you in advance for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
6th Notice XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Good day, My name is XXXX XXXX XXXX XXXX and I am disputing/disagreeing with all negative items listed on my credit report. I have spoken to two separate customer service representatives/individuals in the weeks of XX/XX/XXXX and XX/XX/XXXX. I have disputed several items ; credit cards, charge-offs and personal loans hard and soft inquiries which do not belong to me, nor have I given my consent to anyone to open accounts in my name. I understand that there is/was a Security Breach, via Equifax, and now someone is using my Identity by Theft.

There are several inaccurate and negative items listed on my credit report, incorrect name, inaccurate addresses, telephone numbers, and employment. Listed below are the accurate/negative items of creditors, that needs to be deleted : All Hard and Soft Inquires. 
XXXX, XXXX, & XXXX ( XXXX XXXX XXXX ) - {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - {$940.00} XXXX XXXX XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  - {$1500.00} XXXX XXXX XXXX  {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15.U.S.C.6802 ; 15.U.S.C1681 ( 4 ) ; 15. U.S.C. 1681B2 ; 15. U.S.C.16881B2, these are not my accounts, nor hard/soft inquires and I did not authorize anyone to open accounts in my name. I want all negative items listed deleted : charge-offs, collections, soft and hard inquiries removed from my report.

Also, my name is incorrect : This is my correct/legal Name : my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my correct address for 10 /Yrs : - XXXX XXXX XXXX - XXXX, NC XXXX This is my correct telephone number : - XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Thank you in advance for your immediate attention to this matter.

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 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's This is a violation of 15 U.S Code 168i ( 5 ) Removal of inaccurate/ invalidated credit information. Please do not share any information here, like my SSN Account numbers or other unique and identifying info. Please remove immediately.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts.

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 2025-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the validity of the debt you claim I owe. Pursuant to 15 U.S.C. 1692g ( b ), I request that you provide me with proper verification of the debt, including the name and address of the original creditor, and a copy of any judgment if applicable.

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I request that you cease all communication with me, except as permitted by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: MA

Complaint narrative:
When I went to renew my license on XX/XX/XXXX I noticed there was a " non-renewal '' flag for an unpaid Pay By Plate invoice. I followed the instructions and paid it on-line expecting the " hold '' to be lifted in XXXX - XXXX business days as stated on their website. There was a charge for {$170.00} which I found odd because I have a transponder but I went ahead to pay the invoice since I needed to renew my license which was set to expire on XX/XX/XXXX. 

Several weeks later and the hold is still there. I called the number listed on the invoice for Collections Agency Penn Credit XXXX to find out what the story is and ask why I have any " pay by plate '' invoices as I have an active transponder that has been active since XXXX. I have been unable to renew my driver 's license due to this fraudulent hold on my account. The XXXX  XXXX is unable to renew my license until this collections mess is lifted. Even though I know I was not responsible for the invoice, it has been paid yet the account is still listed as unpaid. 

When he pulled up my account he said I had a XXXX account that is past due and has been sent to collections. My XXXX account ( with the same license plate and vehicle ) has my correct address and I have always received my paper statement with XXXX balance. He wasn't sure WHY, but the XXXX accounts were never linked, even though it is the same registration and vehicle. Why am I getting a XXXX invoice when I have an active and funded XXXX account? This feels like an attempt to collect money twice when money is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation