vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: DC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MT

Complaint narrative:
To Whom It May Concern, I am formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing Disputed Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This address is not mine and has no connection to my identity or credit usage Law : Under FCRA 602A and 605B, inaccurate personal identifiers must not be reported Story : I have never lived at this address and do not recognize it in any capacity. Its presence is misleading and causes confusion for lenders and contributes to the appearance of fraudulent activity Disputed Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This is not my address and is inaccurately linked to my credit profile Law : FCRA 607 ( b ) requires credit bureaus to ensure maximum possible accuracy Story : I have no relationship to this residence and its reporting may indicate identity mix-up or data error, which can impact my creditworthiness and personal security Disputed Inquiry : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized hard inquiry Law : FCRA 604 ( a ) ( 3 ) Story : This duplicate or misattributed inquiry was not initiated by me. Such duplicate entries lower my credit score without justification Disputed Inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Duplicate or fraudulent inquiry Law : FCRA 604 ( a ) ( 3 ) Story : This appears redundant with XXXX  and other Capital One entries. I did not authorize this pull Disputed Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA 604 ( a ) ( 3 ) Story : I have no relationship with this lender and never submitted an application that would justify this hard inquiry Disputed Inquiry : XXXX XXXX XXXXXX/XX/XXXX Issue : No consent given Law : FCRA 604 ( a ) ( 3 ) Story : I have never applied for credit or financing from Ally Financial. This is harming my credit and needs to be removed Disputed Inquiry : XXXX XXXX XXXX XX/XX/XXXX Issue : Unfamiliar and unauthorized inquiry Law : FCRA 604 ( a ) ( 3 ) Story : I did not apply for a XXXX credit card and did not consent to a credit pull Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NV

Complaint narrative:
I am writing to formally report that i am a victim of identity theft and credit card fraud. Recently i discovered that someone has used my personal information and credit card without my permission.These unauthorized actions were done without my knowledge or consent and have caused serious concern regarding my financial security and personal information. I am writing to dispute fraudulent information on my credit report as a result of identity theftXXXX XXXX XXXX XXXX XXXX XXXX This account is fraudulent and was opened without my permission and used too!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
After examining my credit report, I found a hard inquiry that was made without my consent or knowledge. I did not apply for any credit products related to this inquiry, and I am deeply concerned about the accuracy and security of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 formally dispute fraudulent information that has been reported under my credit file. I did not open or authorize the accounts in question, and I do not accept any association with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
Before joined the military I received my orders PCS orders and I moved my family to this apartment including my cousins, before I left with my orders I sent the apartment multiples email about not staying and not renew lease my cousins will take lease they violated my right and let my cousins stay on a month to month pay now when I gave them my orders they said they will remove my name from the account since I gave them my order and they never done so and sent it to collection for {$10000.00} which I will not pay I sent all the attachment I gave them when I left the apartment on XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a closed XXXX XXXX account ( ending in XXXX ) that is being reported with the status : Paid in settlement. {$710.00} written off. This phrasing is inaccurate and misleading. It implies a charge-off or derogatory write-off, even though the account was resolved and there is no outstanding balance. 

This account continues to harm my credit profile despite being resolved, and the wording is unnecessarily punitive. I request that XXXX XXXX either : 1. Provide full verification that this amount was charged off as part of a default, or 2. Remove this account from my credit report entirely, as required under FCRA 611 ( a ) ( 5 ) if they are unable to fully validate the reporting I have attached my ID, proof of address, and a dispute letter requesting this account be removed or updated to avoid continued negative impact from a settled and resolved account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a closed XXXX XXXX account ( ending in XXXX ) that is being reported with the status : Paid in settlement. {$710.00} written off. This phrasing is inaccurate and misleading. It implies a charge-off or derogatory write-off, even though the account was resolved and there is no outstanding balance. 

This account continues to harm my credit profile despite being resolved, and the wording is unnecessarily punitive. I request that XXXX XXXX either : 1. Provide full verification that this amount was charged off as part of a default, or 2. Remove this account from my credit report entirely, as required under FCRA 611 ( a ) ( 5 ) if they are unable to fully validate the reporting I have attached my ID, proof of address, and a dispute letter requesting this account be removed or updated to avoid continued negative impact from a settled and resolved account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited {$2000.00} in cash into a Bank of America ATM on XX/XX/XXXX, at the location : XXXX XXXX XXXX XXXX XXXX XXXX  using my debit card ending in XXXX. 

The ATM accepted the cash, but it has not posted to my account. I reported the issue immediately, and I was told by customer service that it may take until XX/XX/XXXX to investigate and return the funds. This is an unreasonably long delay. 

I am currently experiencing financial hardship and urgently need access to this money for essential expenses. 

Ive called support multiple times and even requested a provisional credit, but I havent received any resolution or clear update. 

Bank of America has not handled this claim with the urgency required for a large cash deposit issue, and the timeline provided is unacceptable. 

I respectfully request CFPB intervention to ensure that this issue is resolved immediately and that either the funds are returned or a provisional credit is issued.

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 monetary relief
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
I am filing this complaint because the collection account from XXXX XXXX XXXX ( Account ending in XXXX ) was previously removed from my Experian credit file, but has reappeared without proper legal notice as required under FCRA 611 ( a ) ( 5 ) ( B ). 

I disputed this account on XX/XX/year>, and Experian has now responded ( on XX/XX/year> ) stating the furnisher certified the information as accurate without providing any supporting documentation to validate the debt. I have not received : A detailed explanation of the reinvestigation Proper written notice of reinsertion Validation of the debt under 15 U.S.C. 1692g Proof that the account was not reinserted in error This is a direct violation of the FCRA and I am requesting immediate deletion of the account from my Experian file. I am seeking CFPB assistance before pursuing legal remedies under FCRA 616 and 617.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUSTis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am disputing a XXXX XXXX XXXX account ( ending in XXXX ) that is listed as Paid in settlement. This language is vague and may negatively affect my credit report. I am requesting verification of the account status, and correction to Settled - {$0.00} Balance or removal entirely if it can not be substantiated. Supporting documents have been uploaded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a XXXX XXXX XXXX account ( ending in XXXX ) that is listed as Paid in settlement. This language is vague and may negatively affect my credit report. I am requesting verification of the account status, and correction to Settled - {$0.00} Balance or removal entirely if it can not be substantiated. Supporting documents have been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year> while trying to log in into my WELLS FARGO XXXX banking in my personal computer and after changing internet provider, a message in the " Wells Fargo '' website said that " the system needed to " attestate '' my device and that it might take few minutes '' after this, in the same window supposed code sent to my phone number ( the last XXXX digits of my phone number showing in this window ) needed to be inserted, I received the code from the same XXXX WF phone number I get messages from WF directly, after typing in this " code '' and still without being able to log in to my account, another text message from the same WF number said I have " Added '' a " XXXX XXXX '' as a Wells Fargo XXXX wire transfer recipient. A second later, I received another message saying that I HAVE SENT A WELLS FARGO WIRE TRANSFER OF {$19000.00} while I was still unable to log in to my online account on my end. I called the XXXX phone number right away to claim this as an UNAUTHORIZED wire transfer and asked to be cancelled ASAP - this transaction was still in pending status. 
Name of WF receiver XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While on the phone with the customer service rep I had what looked like a " Wells Fargo look-alike website '' with a weird glitch with a window message saying " Your device attestation profile has been successfully created and saved to your device storage! The synchronization of your device with database usually takes from XXXX to XXXX hours. You will be able to access online banking after the synchronization is completed. We apologize for the inconvenience. '' I WAS NEVER ABLE TO ACCESS ONLINE BANKING DURING ALL THIS PROCESS AND NOR AFTER. I HAVE CANCELLED SUCH BANK ACCOUNT AS I WAS INSTRUCTED AND YET THEY DENIED THE CASE. I offered to send the screenshot of what I was seeing on my screen to the customer service rep, and he denied it. Their system CAN BE HACKED while they assure it is safe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: EMBRACE HOME LOANS
State: DC

Complaint narrative:
I applied for a mortgage loan and provided documentation showing that the debts related to an investment property are paid by a third party. Under XXXX XXXX guidelines ( XXXX XXXX XXXX ), these liabilities should be excluded from the debt-to-income ( DTI ) ratio if there is documentation proving that another party has made the payments consistently for 12 months. I submitted documentation confirming this, including records showing timely payments. 

Despite this, the lender included the investment property debts in the DTI calculation and denied the loan based on an inflated ratio. I received the following written response from the lender : Hope you are well and you had a great XXXX of XXXX weekend. I understand you had reached out to our underwriting team and want you to know that we really want to be able to approve your loan request. However, given the manner in which you report your rental income, as a sole proprietor, we need to be able to show that all mortgage payments over the last year have been made from your business accounts and in a timely manner. The information you provided did identify most of the mortgage payments, but not all of them. If we were able to identify all of the timely payments over the last XXXX months, then we could eliminate the debt from your monthly expenses, but without it, we can not. We even reached out to XXXX XXXX and XXXX XXXX to make sure that we were understanding correctly, which they confirmed. In addition, we escalated your loan to underwriting management as well as upper management. 

This response inaccurately suggested that not all payments could be verified and implied a delinquency, which is incorrect. I was never delinquent, and I did provide documentation verifying all XXXX months of payments. 

I am requesting that the Consumer Financial Protection Bureau review this matter to determine whether the lender followed XXXX XXXX guidelines correctly and acted fairly in evaluating my application. I also request that the CFPB consider whether this practice reflects a broader issue that may warrant regulatory oversight or enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 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 non-monetary relief
Consumer complaint received 2025-07-11 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: CT

Complaint narrative:
This letter is to inform you that I am the victim of identity fraud and have discovered entries on my credit file that I did not authorize. I am formally disputing this information and requesting that it be removed immediately.

Company response to consumer: Closed with non-monetary relief