vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I was not notified or given a chance to pay inquire about or anything regarding the collection prior to them plopping it onto my credit profile. They are not being helpful with this matter at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. An unauthorized account or debt has been reported in my name by XXXX XXXXXXXX XXXX. I never opened this account or authorized any charges. 

On XX/XX/year>, I sent XXXX a formal dispute and identity theft report via certified mail. My package included : An FTC Identity Theft Report A police report A copy of my government-issued ID Proof of address XXXX received this documentation but has failed to remove the fraudulent account from my credit report. Instead, they denied my dispute without providing any evidence that this account belongs to me. They did not provide any explanation of their investigation or method of verification, which is required under the Fair Credit Reporting Act ( FCRA ). 

Their refusal to block or remove this account violates : FCRA Section 605B ( identity theft blocking ) FCRA Section 611 ( reasonable investigation ) The continued reporting of this account is causing damage to my credit and financial hardship. 

I request that the CFPB require XXXX to : Immediately remove the fraudulent account from all credit bureaus Cease all collection activity Provide written confirmation of this action Provide a copy of any evidence they claim supports their denial

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 2025-07-07 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XXXX I have serval inquiries that I don't recognizes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy FCU XXXX XXXX XXXX Navy FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy FCU XXXX XXXX XXXX  I would like for these 7 inquiries to be remove to the fact I didn't authorize, and they are hoarding my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
Hard inquiry inquired with XXXX XXXXXX/XX/XXXX on XX/XX/year>XX/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 2025-07-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 2025-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Garrison Investment Group
State: MO

Complaint narrative:
I am trying to get a Heloc and was told that Foundation XXXX had a lien on my home. It has long since expired. It should have fallen off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
XXXX was a XXXX XXXX XXXX  on my credit as I had multiple health insurances during the period they are indicating. I have asked them on multiple occasions to validate the debt which they have failed to do. They also never properly notified me of the debt before placing it on my credit report. I have disputed with XXXX multiple times and the dispute is closed within hours without them even having time to view or investigate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : Creditor XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Creditor XXXX : XXXX XX/XX/XXXX TransUnion Creditor XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Creditor XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquir
y that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX I called Synchrony bank as they sent me and my mom denial letters for a SAMS credit product. Neither of us applied for any credit product from SAMS. The letters of course have no Phone # on them so this was a chore to locate online. They do have reference # on them and I gave to the girl I spoke to ( XXXX ). 
She initially said she could not process a fraud application with out my SS #, I said no way will I give this out and I had to ask her to get a supervisor. She came back and said, OK, she can process without it. She was a very nice girl so not knocking her, just their process. 

If a bank sends me a letter with a ref # on it, I should not have to provide a SS # for something they instituted, especially when this was fraud. This bank phone # is in the XXXX. I called XXXX. She wouldn't log my mothers letter ref # and wants her to call in herself which is ridiculous. She is XXXX. They are both denial letters so it should not matter as we are not applying for their credit cards.. Process is broken.

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 2025-07-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
I XXXX XXXX did not authorize these accounts to be opened in my name, nor did I give a wet signature for these accounts to be sold to a debt collector. I understand that I have a right to privacy by the provisions of the fair credit report act, I demand that theses items be removed form my report. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Please remove any information that the creditor can not verify under the 15 U.S.C Sec 1681i ( a ), FCRA Public Law 91- 506, Title VI, Subsection A-D, as well as 15 U.S.C 1681 C-2.

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 2025-07-07 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 XXXX XXXX did not authorize these accounts to be opened in my name, nor did I give a wet signature for these accounts to be sold to a debt collector. I understand that I have a right to privacy by the provisions of the fair credit report act, I demand that theses items be removed form my report. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Please remove any information that the creditor can not verify under the 15 U.S.C Sec 1681i ( a ), FCRA Public Law 91- 506, Title VI, Subsection A-D, as well as 15 U.S.C 1681 C-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank Business Bonus Denied Despite Fulfilling All Terms Misleading Statement Cycle Application. Dear Consumer Financial Protection Bureau, I am submitting a complaint against PNC Bank for failing to honor a business checking account promotion, despite my full compliance with the stated requirements. I believe I have been misled regarding the application of the promotion 's " three statement cycles '' requirement, similar to manipulative tactics I've encountered at other banks. 

Promotion Terms ( as advertised ) : Open a new PNC business checking account. 

Fund the account with a required minimum amount ( as per the promotional tier ). 

Complete 10 debit card transactions within the first 3 statement cycles. 

What Happened : I opened the account on XX/XX/year> after booking an appointment with a bank specialist. Due to the late appointment and extended account setup time, I was assured that my first statement cycle would begin the following month ( XXXX ), not in XXXX. 

However, PNC later issued a partial first statement cycle from XX/XX/year>, only 4 days long. 

I spoke directly with a PNC representative, who explicitly told me this partial XXXX cycle would NOT count toward the three promotional statement cycles. 

Based on this guidance, I funded the required amount in XXXX and completed all XXXX debit card transactions during the XXXX and XXXX cycles. 

Despite following all instructions in good faith and being told I was on track I never received the bonus. 

Why This Is Wrong : PNC applied the XXXX XXXX cycle as the first full statement cycle, even though I was told otherwise and had no reasonable opportunity to complete the required transactions during that time. 

This tactic mirrors other banks misleading practices where partial or inactive cycles are used to limit customers ability to qualify, despite fulfilling the actual intent of the promotion. 

I acted in good faith, relied on direct communication from the bank, and met every listed requirement but was denied the bonus due to what appears to be a bait-and-switch or misrepresentation of cycle timing.

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

Complaint narrative:
My name is XXXX XXXX XXXX and I am formally disputing several accounts and charge-offs reported on my credit file that are a direct result of identity theft and misconduct by an educational institution. This letter is written pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as relevant provisions under the Higher Education Act and U.S. Department of Education regulations regarding student loans. XXXX XXXX and XXXX, multiple credit card accounts were opened in my name without my consent or knowledge. These unauthorized accounts are a result of identity theft. I never applied for, authorized, or used these credit lines. I am asserting my rights under, FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires credit bureaus to block and remove information resulting from identity theft, FCRA 604 ( a ) ( 2 ), prohibiting credit pulls without my express written consent, FCRA 611 ( 15 U.S.C. 1681i ), which mandates a reasonable investigation upon dispute. Additionally, I am disputing a student loan that was fraudulently taken out in my name by a for-profit institution I had applied to. I was never provided any educational services, nor did I attend, participate, or consent to loan disbursement. This school has since declared bankruptcy and was found to have laundered federal student loan funds. 
Under the Higher Education Act, and specifically per guidance from the U.S. Department of Education, a borrower has the right to borrower defense to repayment when a school misrepresents the educational services or engages in misconduct. Under FCRA 611, I am disputing the accuracy and completeness of the following charge-offs, closed accounts, collections and student loans that are now reflecting inaccurately due to identity theft and fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation