vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CORELOGIC INC
State: GA

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. The inquiry from XXXX dated XX/XX/year> was not authorized by me and should not be reported on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate and verifiable. Since I did not authorize this inquiry, I am requesting that it be removed immediately from my credit report. 

Please investigate this matter and provide me with written confirmation of the results of your investigation. If the creditor can not verify that I gave permission for the inquiry, the inquiry must be deleted. 

Thank you for your prompt 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 explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have been paying every week something to go up-to-date on my payments. I just made a payment this week and was told now on the end of the week I could call to do a financial hardship because it wasnt past due the amount of time that it was before then I dont know where it comes. Take my car right after I did that and they know I was gon na apply for the financial hardship and Im only behind technically one month they took my car on a Sunday. I can not contact or find anything to even be able to get my car released. No one told me this when I spoke to the Pnc bank on Tuesday and made my payment. This was not told to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Zip Co US Inc.
State: TX

Complaint narrative:
Zip has taken more then XXXX dollars from my checking account when it wasn't supposed to. I don't even see where they were coming out first of all. I tried calling chase for fraud and they said there's nothing they can do. I don't know how to stop this or what to do it's taken all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NC

Complaint narrative:
I received a copy of my credit report and find the following Account on my Credit report unfamiliar the account of theXX/XX/XXXX BANK Credit Card reported on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX et seq. ), I have the right to dispute any information that is unrecognizable, incomplete, or unverifiable. to my records the information they are reporting on my credit profile is unrecognizable. Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the identity of this information within the XXXXday period required by law, you must delete it from my credit report. Additionally, under the Truth in Lending Act ( 15 U.S.C. XXXX ), I request validation of this debt, including the original account number, the amount owed, and the date of last activity. Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information. 
Enclosed are copies of any relevant documents supporting my position. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: NC

Complaint narrative:
I received a copy of my credit report and find the following Account on my Credit report unfamiliar the account of theXX/XX/XXXX BANK Credit Card reported on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX et seq. ), I have the right to dispute any information that is unrecognizable, incomplete, or unverifiable. to my records the information they are reporting on my credit profile is unrecognizable. Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the identity of this information within the XXXXday period required by law, you must delete it from my credit report. Additionally, under the Truth in Lending Act ( 15 U.S.C. XXXX ), I request validation of this debt, including the original account number, the amount owed, and the date of last activity. Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information. 
Enclosed are copies of any relevant documents supporting my position. Thank you for your prompt 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 explanation
Consumer complaint received 2025-09-28 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - {$940.00} - Balance : {$940.00} Account Name : XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - {$670.00} - Balance : {$670.00} Account Name : XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/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 2025-09-28 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: MI

Complaint narrative:
My credit report is showing late payment statuses that are not correct. I have always made my payments on time, but the bureaus are reporting them as late. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and furnishers must ensure maximum possible accuracy ( XXXX ( b ) ) and properly reinvestigate items when I dispute them ( XXXX ). Even after my prior disputes, the late marks are still on my report and are bringing down my score unfairly, which makes it harder for me to qualify for credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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 a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX UNAUTHORIZED INQUIRIES : DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE ; Formal Dispute and debt validation request under the FCRA and FDCPA ( account number XXXX ) To XXXX XXXX  I XXXX XXXX is writing this to formally dispute the account referenced above that is being reported by your company on my credit report this is a request for debt validation pursuant to the FDCPA and FCRA 15 U.S.C 1681i. I have the right to request full validation of all debt being reported on my credit and to dispute all information that I believe is inaccurate and incompetent or unverifiable.

A full accounting and itemization of the alleged debt includung how the balance was calculated A copy of the original signed contract or agreement bearing my signature the name and address of the original creditor any other documentation used to verify and report the debt you have 30 day to receipt to this so in the meantime I want this removed ASAP. This account is officially in
dispute until this matter is resolved failure to comply with these federal laws may result in complaints being filed with the CFPB and the FTC and my state attorney generals office 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 2025-09-28 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - {$700.00} - Balance : {$700.00} Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$460.00} - Balance : {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, TO WHOM IT MAY CONCERN : My name is XXXX XXXX : I have never had a credit card before. I want to see my credit report. I also might be a victim of Identity Theft. 

I do not have a truck and I need a truck and something about {$100000.00} missing... 

Thank you for your concern, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing inaccurate, misleading, and unverified credit reporting by Experian, XXXX, XXXX, XXXX, and several specialty agencies XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX 

Despite multiple disputes, these agencies continue to report : Contradictory closure dates ( e.g., XXXX XXXX closed as of XX/XX/XXXX in XXXX  and XXXX, but Experian reports closure in XX/XX/XXXX ). 
False late payment history ( e.g., XXXX  reports XXXX late marks for XXXX despite a {$0.00} balance XXXX XXXX  reports none ). 
Inflated balances/utilization ( e.g., XXXX Bank shows {$220.00} balance against a {$200.00} limit at XXXX, creating a false 110 % utilization ). 
Misleading derogatory notations such as Charged Off or Profit and Loss Write-Off on accounts that were closed with {$0.00} balances ( e.g., XXXX  XXXX, XXXX, XXXX  Bank ). 
Inconsistent derogatories where one bureau shows Paid/Closed/OK while another bureau continues to show derogatory remarks. 

Additionally, I have requested validation and the Original Purchase Agreement ( OPA ) for each account reported. None of the agencies or furnishers have produced this documentation, despite my formal demands. Without an OPA signed by all parties, these debts are unverified and should not be reported. 

Key examples : XXXX XXXX ( # XXXX ) : Different bureaus report different closure dates and false late payments despite {$0.00} balance. 
XXXX : Paid in full at XXXX, but reported as charge-off/derogatory at XXXX  and Experian. 
XXXX  XXXX : TransUnion shows {$0.00} balance, no derogatories ; XXXX  and Experian report false late payments and balances. 
XXXX : Reported both Paid/Closed and Charged Off across bureaus. 
XXXX  Bank ( # XXXX ) : Reports false 90119 day late history and inflated balance vs. credit limit. 

These contradictions are materially misleading, damaging, and in violation of the FCRA and FDCPA.

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 2025-09-28 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 a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX UNAUTHORIZED INQUIRIES : DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2025-09-28 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: NY

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. 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 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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got approved for a Bank of America credit card ending XXXX which was shipped on XXXX but never arrived. I got an email notification from Bank of America on XXXX informing the delivery status is unavailable thus i went to mailbox to check but unable to locate the card in the mailbox. 

I called Bank of America to inquire on XXXX, only to be told the card had been used at multiple stores including XXXX ( {$100.00} )XXXX XXXX  ( XXXX and {$180.00} ), XXXX XXXX XXXX ( {$150.00} ), XXXX XXXX  ( {$380.00} ), and XXXX ( {$42.00} and {$200.00} ), all transacted on XXXX and XXXX. 

I opened dispute with Bank of America on XXXX, and submitted the XXXX Police Report ( # XXXX ) to Bank of America over phone around XXXX. I have been informed the re-evaluation was unsuccessful on 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 2025-09-28 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: OH

Complaint narrative:
My credit report is showing some inaccurate and misleading information. It lists closed accounts, collections, and duplicate personal details that arent correct. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to make sure everything on my report is as accurate as possible ( 607 ( b ) ) and to reinvestigate when I dispute something ( 611 ). Ive already disputed these items, but theyre still being reported and continue to hurt my credit, making it harder for me to access fair credit opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I became XXXX  in 2021. This doesn't belong to myself i have explained to the company, and asked for validation of this debt. They have sent statements which does not indicate it belongs to me. I also disputed this with the credit report agencies. I have sent proof i was XXXX, the location all information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX attempted to send XXXXXXXX XXXX with my Citibank mastercard debit card. I received an alert that citibank declined the transaction. I have spent over XXXX hours on the phone with Citibank customer service and fraud as well as XXXX XXXX and apple pay with no resolution. Citibank acknowledges the alert but says it is not declining the transaction.

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
I was not allowed to make an online payment when that is the only way ive ever made them. EVER! I know It was the last day but I still had time to make a payment and stay in the program. There was no valid reason why I wasnt allowed to make my payment. This was the 2nd time I was removed from the program. The 1st time was because I made 2 payments in 1 month. 1 on the 1st and one on the 31st of XXXX. I had missed calls from Mr Cooper and voicemail asking me to make my payment so I did and I was removed from the program. Also I had to pay thousands of dollars in foreclosure fees when I never should of been in foreclosure. They still never produced any documentation on where my money went and why. Im allegedly in foreclosure all of a sudden then paid almost {$5000.00} in foreclosure fees when my house was never foreclosed on. Please Help me with this Corporate Giant scamming hard working Americans

Company response to consumer: Closed with explanation