vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

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 2025-05-21 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: First Help Financial, LLC
State: MA

Complaint narrative:
Subject : Unauthorized Multiple Credit Inquiries from XXXX XXXX XXXX XXXX : When I applied for an XXXX loan at my local dealership for my first car, I was unaware that they would pull my credit multiple times. I explicitly asked if this would count as a single inquiry, and I was told it would, but they failed to disclose how many times they would actually pull my credit. 

Here are the lenders they contacted on XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I only authorized XXXX inquiry. 

When I returned to get another car in XXXX, the same dealership again pulled my credit multiple times without my authorization. These are the inquiries reported on XX/XX/XXXX and XX/XX/year> : XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO Out of all these, I only authorized a single credit pull per visit, but my credit was pulled repeatedly. 

Additionally, since these inquiries were all made on the same day during each loan application, they should have been grouped and counted as XXXX inquiry each time, per credit reporting standards. However, some inquiries are labeled as unspecified instead of auto loan, which has caused them to be counted separately and unfairly harmed my XXXX XXXX. 

I am requesting the removal or correction of these unauthorized and misclassified inquiries so my credit report accurately reflects only the authorized credit pulls. 

This issue is causing significant damage to my credit, and I am seeking a prompt resolution. 

Dealerships were XXXX XXXX XXXX XXXX XXXX  And IRA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: AZ

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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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 2025-05-21 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: Central Research Inc
State: CA

Complaint narrative:
Account # XXXX This loan was recently deleted from my credit report, but the company still demands information for me to provide them proof of who I am, before they would take any action to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, XXXX credit reporting agency , remove 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 BALANCED {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These items have resulted in several 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 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 XXXX 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 2025-05-21 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: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/scrub>, 2025 l contacted the company to lower the interest rate from 31.99 % annual percentage rate to previous 26.99 % annual percentage rate. The company refused to lower to previous 26.99 % annual percentage rate. The company also refused to acknowledge combination package of refrigarator, stove, and microwave under special financing. The 12 months no interest was rejected by me and l asked lowes at the time of purchase for a 7 year special financing that the store clerk didn't put in my request. A floor model XXXX match up wasn't availiable on display. I had to order by phone or computer.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against American Express for their continued reporting and collection efforts related to a fraudulent account that I did not authorize or open. The account in question was charged off on XX/XX/year>2020, and has since been reported as delinquent, closed, and sent to collections despite my repeated efforts to have it removed as a result of identity theft. 

I have filed multiple disputes and provided extensive documentation, including : An FTC Identity Theft Report A signed affidavit affirming I did not open this account A copy of my government-issued ID Proof of residency Despite this, American Express has failed to remove the account and continues to report it to XXXXXXXX as delinquent and charged-off. More egregiously, the account was sent to a third-party collection agency, further damaging my credit and violating my rights under federal law.

Attempted Legal Action : I even filed a small claims lawsuit in Kentucky against American Express regarding this matter. Unfortunately, the case was dismissed due to being filed in the wrong court division. Despite this effort to resolve the issue through legal channels, American Express has still taken no corrective action.

Additionally, American Express has claimed the account was verified as mine yet has provided no documentation or substantiated proof that I opened this account. To date, they have failed to produce any signed contract, application, IP address log, or other verifiable evidence showing that I authorized this account.

Legal Violations : American Express is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ( where applicable through third-party collections ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

15 U.S.C. 1681s-2 ( b ) Failing to properly investigate a dispute after being notified by a credit bureau .

15 U.S.C. 1681c-2 ( FCRA 605B ) Failing to block fraudulent tradelines after receiving identity theft documentation.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1681n & 1681o Willful and/or negligent noncompliance with the FCRA, subjecting the furnisher to liability for actual and punitive damages.

15 U.S.C. 1692e & 1692f ( FDCPA ) Engaging in unfair or deceptive practices through continued collection efforts on a debt not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against American Express for their continued reporting and collection efforts related to a fraudulent account that I did not authorize or open. The account in question was charged off on XX/XX/2020, and has since been reported as delinquent, closed, and sent to collections despite my repeated efforts to have it removed as a result of identity theft. 

I have filed multiple disputes and provided extensive documentation, including : An FTC Identity Theft Report A signed affidavit affirming I did not open this account A copy of my government-issued ID Proof of residency Despite this, American Express has failed to remove the account and continues to report it to XXXX as delinquent and charged-off. More egregiously, the account was sent to a third-party collection agency, further damaging my credit and violating my rights under federal law.

Attempted Legal Action : I even filed a small claims lawsuit in Kentucky against American Express regarding this matter. Unfortunately, the case was dismissed due to being filed in the wrong court division. Despite this effort to resolve the issue through legal channels, American Express has still taken no corrective action. 

Additionally, American Express has claimed the account was verified as mine yet has provided no documentation or substantiated proof that I opened this account. To date, they have failed to produce any signed contract, application, IP address log, or other verifiable evidence showing that I authorized this account. 

Legal Violations : American Express is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ( where applicable through third-party collections ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

15 U.S.C. 1681s-2 ( b ) Failing to properly investigate a dispute after being notified by a credit bureau .

15 U.S.C. 1681c-2 ( FCRA 605B ) Failing to block fraudulent tradelines after receiving identity theft documentation.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1681n & 1681o Willful and/or negligent noncompliance with the FCRA, subjecting the furnisher to liability for actual and punitive damages.

15 U.S.C. 1692e & 1692f ( FDCPA ) Engaging in unfair or deceptive practices through continued collection efforts on a debt not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is XXXX XXXX XXXX involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance : {$840.00} Open Date XX/XX/XXXX XXXX XXXX BA Balance : {$170.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$2400.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$910.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX XXXX : {$400.00} Open Date XX/XX/XXXX XXXX XXXX, XXXX XXXX : {$280.00} Open Date XX/XX/XXXX Inquiries : XXXX  Date XX/XX/XXXX XXXX CARD Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX AXXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX NA Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/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 2025-05-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
Subject : Unauthorized Multiple Credit Inquiries from XXXX XXXX XXXX XXXX : When I applied for an XXXX  loan at my local dealership for my first car, I was unaware that they would pull my credit multiple times. I explicitly asked if this would count as a single inquiry, and I was told it would, but they failed to disclose how many times they would actually pull my credit. 

Here are the lenders they contacted on XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only authorized XXXX inquiry. 

When I returned to get another car in XXXX, the same dealership again pulled my credit multiple times without my authorization. These are the inquiries reported on XX/XX/XXXX and XX/XX/year> : XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO Out of all these, I only authorized a single credit pull per visit, but my credit was pulled repeatedly. 

Additionally, since these inquiries were all made on the same day during each loan application, they should have been grouped and counted as XXXX inquiry each time, per credit reporting standards. However, some inquiries are labeled as unspecified instead of auto loan, which has caused them to be counted separately and unfairly harmed my XXXX XXXX. 

I am requesting the removal or correction of these unauthorized and misclassified inquiries so my credit report accurately reflects only the authorized credit pulls. 

This issue is causing significant damage to my credit, and I am seeking a prompt resolution. 

Dealerships were XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
S

ubject : Dispute of Inaccurate Personal Information Under FCRA and Request for Correction Per Metro 2 Guidelines To Whom It May Concern, I am writing to formally dispute inaccurate personal identification information currently appearing in my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ) 611, I am exercising my right to request a prompt investigation and correction or removal of the following erroneous entries. Additionally, I request that any updates or deletions be made using the industry-standard Metro 2 Format to ensure that accurate, uniform data is reflected across all reporting systems. The following personal information is incorrect : 1. Incor
rect Name ( s ) : o XXXX XXXX XXXX XXXX XXXX o Correct Full Legal Name : XXXX XXXX XXXX 2. Incorrect Address ( es ) : o XXXX XXXX XXXX XXXX, CA XXXX o XXXX XXXX XXXX XXXX, CA XXXX o XXXX XXXX XXXX XXXX XXXX, CA XXXX o Correct Current Address:XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 3. Incorrect Employer ( s ) : o XXXXXXXX XXXX XXXX o XXXX XXXX o Correct Employer ( if applicable ) : NONE Incorrect or outdated personal information can negatively impact my credit profile and does not reflect my true identity or background. As required by the FCRA, I am providing supporting documentation to verify my correct information and to assist with your investigation. 
Enclosed Documents : A copy of my government-issued photo identification A recent utility bill, bank statement, or lease showing my correct address Optional : Any additional documents proving legal name Please complete your investigation within the legally mandated 30-day window and send written confirmation of the corrections. I also request an updated copy of my credit report showing the corrected personal data.

Thank you for your time and attention to this matter. I look forward to your confirmation and the updated report. 
Sincerely, 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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a charge off capital one credit card. It was sold to portfolio recovery associates who I paid for the debt. That was never reported back to capital one and it still shows as delinquent in capital one preventing me from qualifying for any new cards now that I have a more responsible payment history and better credit score

Company response to consumer: Closed with explanation