vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
Your Full Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX, State ZIP : XXXX, XXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX Date : XX/XX/XXXX Experian / Equifax XXXX TransUnion ( You must send a separate copy to each bureau ) Re : Unauthorized Hard Inquiry Request for Removal Under FCRA XXXX & XXXX XXXX : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Removal Date : XX/XX/XXXX To Whom It May Concern, I am contacting you to dispute an unauthorized hard inquiry that appears on my credit report. The inquiry from XXXX XXXX XXXX, dated XX/XX/XXXX, was not authorized by me.

Under 15 U.S.C. 1681b, a company may only access my credit report with a permissible purpose. I did not apply for credit, open an account, request membership, or give written authorization to this business. Therefore, this inquiry violates the permissible-purpose requirements of the FCRA.

I am exercising my rights under 15 U.S.C. 1681i, requesting an immediate reinvestigation into this inquiry. 
Please contact XXXX XXXX XXXX and obtain verifiable proof ( including my signed authorization ) that I permitted this credit pull. If they can not provide valid documentation, the FCRA requires that this inquiry be removed from my credit file.

Requested Action Reinvestigate this inquiry as required by FCRA 1681i Verify whether permissible purpose existed under 1681b Delete the inquiry if no written authorization is produced Provide written confirmation of results within 30 days Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-11-20 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: DC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX - XX/XX/XXXX - {$930.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5600.00} XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX - XX/XX/XXXX - {$2600.00} XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX - XX/XX/XXXX - {$5800.00} XXXX XXXX XXXX  - {$9100.00} Hard Inquiries : XXXX CARD - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 am submitting this dispute regarding the following accounts on my Equifax credit report : Charged Off Accounts : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$36.00}. 

XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, XXXX : {$2500.00}. 

Inquiries : XXXX Inquiry Date : XX/XX/XXXX. 

XXXX Inquiry Date : XX/XX/XXXX. 

XXXX Inquiry Date : XX/XX/XXXX. 

XXXX XXXX Inquiry Date : XX/XX/XXXX. 

XXXX Inquiry Date : XX/XX/XXXX. 

Late Payment : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I signed a lease in XXXX Illinois back in XX/XX/year> .the total length of the lease was for 12 months.i vacate the unit prior to the end of the lease, on the original lease that I signed there was anywhere on the lease stating that if I moved out the unit the remaining amount will become due .I informed them in XXXX XXXX that aim moving out of the unit and they informed that if I moved out of the unit I will be responsible to pay the remaining amount of the lease .itold them that, that was not the agreement .I moved out of the unit in XX/XX/XXXX and moved out of the state a month later they put that on my credit report .and decreased my XXXX  score about XXXX point with XXXX XXXX XXXX I have my credit file lock and frozen and thought that will stop them but it didn't .iam seeking a legal help through the cfbp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I am writing to dispute the accuracy of the following accounts reported by Experian. These accounts are marked as " charged off, '' but I believe there are discrepancies in the reporting that need to be addressed. The details are as follows : Account Name : DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account Name : DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Account Name : DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Account Name : DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Account Name : DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Account Name : DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00}

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 2025-11-20 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: IL

Complaint narrative:
I am writing to formally dispute several unauthorized auto loan inquiries that appear on my XXXX  credit report. I am a victim of identity theft, and someone attempted to use my Social Security number and personal information to apply for credit without my authorization. I do not recognize these inquiries, nor did I authorize any credit applications related to auto loans or other accounts during the time frames in which they were made. 
Below is a list of the unauthorized inquiries and dates in question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: CO

Complaint narrative:
My hippa rights were violated by The XXXX XXXX XXXXXXXX XXXX. They shared my medical records with a third partybdebt collector United collection bureau, Inc without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I am writing to dispute the accuracy of the following accounts reported by Equifax. These accounts are marked as " charged off, '' but I believe there are discrepancies in the reporting that need to be addressed. The details are as follows : Account Name : DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account Name : DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Account Name : DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Account Name : DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Account Name : DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Account Name : DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MS

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I bought {$20.00} worth of items on XXXX and paid via XXXX with my credit card. I noticed a {$10.00} transaction fee on my credit card bill. When I called they explained that XXXX had paid via a cash advance, something I never have experienced before and certainly did not want. My understanding is that credit cards are not allowed to use cash advances this way. I was able to get the charge reversed but many many others have been similarly affected by this snafu between XXXX, XXXX, and their credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance is reporting a repossession account on my credit report that is inaccurate, incomplete, and unverified. I previously requested validation and documentation regarding this account more than 40 days ago, and Exeter Finance has completely failed to respond. XXXX  has also failed to provide any response or investigation results. 

This lack of response violates FCRA 609/611 and prevents Exeter from furnishing any information to the credit bureaus. They have not provided : A signed contract or agreement Proof of the validity of the repossession Any itemized billing A notice of intent to repossess A notice of sale A deficiency letter Proof that the amount reported is accurate Any documentation showing proper notice was sent to me Because Exeter Finance has failed to validate the account within the legally required time frame, and because XXXX  has failed to investigate or respond to the dispute, the information being reported is unverified and must be removed. This continued reporting without validation is causing significant and ongoing harm to my credit report. 

I am requesting that this repossession account be removed from all three credit bureaus immediately due to Exeters failure to validate and XXXX  failure to investigate or provide a response within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MOHELA
State: TX

Complaint narrative:
MOHELA has violated the Federal Debt Collect Fair Practices act by repeatedly calling me regarding a private student loan that I cosigned. They have called 8 times over the past 3 consecutive days ; this violates the rules of calling more than 7 times in 7 days. This is the 3rd time this has happened with this company. They are repeatedly violating FDCPA and need to be held accountable/fined. This is causing me a great deal of unnecessary stress, as I have asked them to initiate a co-signer release process, which they have refused. They have called me on the following times/dates ( all in CST ) : XX/XX/year> at XXXX XXXX XXXX XXXX and XXXXXXXX XXXX on XX/XX/year> at XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  and again today, XX/XX/year> at XXXXXXXX XXXX. Again, this is a total of 8 times in less than a XXXX hour span. I have asked them not to call me this much as it is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX Balance : {$1500.00}, RXXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX Balance : {$340.00},

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 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I paid {$6100.00} dollars the most I could pay to the credit card company. The following month I paid off the account again. Again, the most I could pay. The third month I could not login to my account because I did not change my password. I called the phone number on the back of the credit card and it called a number trying to sell me something like life alert. I had paid off the credit card the maximum amount I could pay two months in a row and I could not sign in or contact them one month. Some how I still owed them {$4.00}. For that amount even though I had paid almost {$6200.00} dollars and I could not login to my account or call them with the number on the back of my credit card. They made my account delinquent. Took my credit line from {$5500.00} to {$250.00} and damaged my credit score XXXX points all for {$4.00}. I would like to take legal action against Care Credit and file a class action lawsuit that credit card companies should have to calculate interest for the next month immediately when you are trying to close a balance. If this happened to me. I can assume it has happened to millions of other Americans and it is not right. Thank you for your time and any help in helping me and millions of other Americans of the wrong the credit card companies are doing to hard working people in the USA.

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 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank closed my XXXX 's XXXX account that I was still paying on. I still had over {$2000.00} left to pay on the account and they closed it without my permission. Once I called to see what happened they told me they can not reopen the account and that I would need to get another account. This went on my credit score as a closed account which I did not do nor accept which negatively affected my score and age. The bank then proceeded to add the remaining balance of the XXXX account to my CareCredit account where the credit limit was only {$1000.00}. This shows up now as me exceeding my credit limit for that account and is saying I am using 168 % of the credit for that card and I am unable to use that card for any purchases because of that.

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 2025-11-20 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: TN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-20 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: TN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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