vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-10-29 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-10-29 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: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westcreek Financial
State: NY

Complaint narrative:
I am filing a formal complaint and dispute regarding inaccurate and misleading credit reporting by West Creek Financial DBA, as reflected on my credit report. 

This account is being reported as an auto loan/lease account, which is factually inaccurate. I have never held any automobile-related financing, lease, or auto loan with this company. My understanding is that West Creek Financial provides point-of-sale or retail financing, not automotive lending. Therefore, the tradeline classification is incorrect and misrepresents the nature of the account. 

In addition, the account is reported as a collection/charge-off in the amount of {$1200.00}, with a date reported of XX/XX/year>. I was never provided with written notice of charge-off, validation of debt, or opportunity to cure any alleged delinquency before derogatory reporting occurred. This omission violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires accurate and complete data furnishing to credit bureaus. 

Furthermore, the reporting inaccurately implies continuing delinquency, showing a past-due balance even though the account is closed as of XX/XX/year>. This constitutes re-aging, an FCRA violation that unfairly damages my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft this will be my XXXX time sending in my proof of identity theft since XXXX. The proof of letters will be attached below with the dates listed. I havent received a response from Equifax. 

XXXX XXXX XXXX XXXXAccount number XXXX amount {$360.00} Date open XXXX XXXX XXXX XXXX Account number XXXX -amount {$600.00} XXXX XXXX XXXX XXXX XXXX XXXXAccount number XXXX Amount- {$4200.00} date open XXXX XXXX. XXXX number XXXX {$830.00} Date open XXXXXXXX XXXX XXXX XXXXAccount number XXXX Amount {$440.00} Date open XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN, TRANSUNION AND XXXX  ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$41000.00}

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 2025-10-29 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease see attachments. Supporting documents.\nUSC 1681a (2) (a) (i)'

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 2025-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Re : Wells Fargo- Carrier account Wells Fargo has issued at least XXXX rounds of late fees on my account for " missed payments ''. A call was made to the bank to ask about why paper statements have not been sent since XXXX and the response was that the terms of the account changed and with that paper statements changed to e-statements. 

Wells Fargo has made arbitrary changes without the proper notification to customers and has created a scheme for generating late fees on accounts. Since their arbitrary change, it was reported to the bank that our XXXX statement was an email notification the " day of when the payment was due '' and no XXXX e-statement was sent. This generated a late fee added to the account. on XX/XX/XXXX another e-statement was sent now with the notification that the account was XXXX payments behind and an additional late fee '' Our banking is through Wells Fargo and our bill payment is through the bank 's bill pay platform. Their tactics are deceiving, they are intentional in misleading customers and misinforming them and this entity is using any means necessary to generate revenue through late fees. During the call with customer service it was requested that a copy of the statements that have been sent to us through US mail and e-statements is sent to us, the bank replied that they have no records. 

It is my goal that CFBB intervenes and stops these arbitrary practices and prevent the financial abuse to consumers. For more details I can be reached at XXXX. 

Thank you for your 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 monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I understand that I opted in the being able to overdraft feature. I understand that there are over draft charges. But to triple them in XXXX evening even before I can deposit the money is ridiculous. My account was negative XXXX dollars which I understood. And I was getting paid the next day. Which is today. My account is now XXXX dollars negative because of the triple of the overdraft fees. Its quite excessive and the fact that I had the money in the account the next day, I should have recieved a reversal for the overdraft fees. I contacted citizens and they would not revere the fees, because I was granted XXXX in XXXX. But this is getting to be ridiculous when they have the grace period to place the money back into the account and then charged you XXXX times the amount. O

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding LVNV FUNDING LLC in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the LVNV FUNDING LLC containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in ________?

Without proof of ownership or a chain of title, LVNV FUNDING LLC has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account. 

2. Cessation of all collection activity unless and until full validation and legal standing are established.

3. A complete investigation by your agency into LVNV FUNDING LLC 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : LVNV FUNDING LLC Original Creditor : XXXX XXXX XXXX XXXX Alleged Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of alleged charge-off or transfer : [ Month/Year ] Date of collector 's first contact : [ Month/Year ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Information that is XXXX years or older from reported date of first delinquency is not being removed in accordance with the FCRA time limit that negative information can be reported. 

XXXX  or Chase is re-aging the date of first delinquency from XXXX of XXXX to now on my latest report, XXXX of XXXX. 

This is causing damage, injury, and restricting my access to credit with this old negative information being reported. 

Starting in XXXX of XXXX they started dropping XX/XX/XXXX as the oldest date of delinquency. All of a sudden there is " None Reported '' for XX/XX/XXXX. This omission is misleading and illegally extends the time this item can report. The item should have been removed XX/XX/XXXX since they only report the month. Soon as XXXX started this item should have been removed. It is still reporting. 

I have included multiple reports since XXXX of XXXX up to the most recent report pulled in late XX/XX/XXXX ; They show XX/XX/XXXX as the date of first delinquency until we get into XX/XX/XXXX where the funny business with the re-aging of the delinquency date starts to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Global Lending Services LLC
State: FL

Complaint narrative:
XXXXWhile shopping for a car, I was told by the dealership that checking financing options would not affect my credit. I consented to a single soft check, not multiple hard pulls.XXXXHowever, my credit reports now show numerous hard inquiries that I did not authorize or understand due to a language barrier  Spanish is my first language, and the dealership never provided Spanish-language paperwork or a full explanation.XXXXThese inquiries were submitted without my explicit written consent and are harming my credit score. I believe this violates the Fair Credit Reporting Act (15 U.S.C.  1681b  Permissible Purpose), which requires consumer authorization before a lender or dealer accesses a credit report.XXXXUnauthorized inquiries to be deletedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple late payment entries that have been inaccurately reported by certain furnishers and credit reporting agencies. These entries are false, misleading, and have caused unjust harm to my credit reputation and financial standing. Despite my consistent payment record, these accounts were reported with delinquency marks that are not supported by any verifiable record of late payment. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are obligated to ensure maximum possible accuracy in reporting ( FCRA XXXX ( b ) ) and must conduct a reasonable reinvestigation of any disputed information ( FCRA XXXX ( a ) ( XXXX ) ( A ) ). Additionally, furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate ( FCRA XXXX ( a ) ( XXXX ) ( A ) ). However, in my case, the reporting entities have failed to uphold these federal standards by continuing to report unverified negative information despite prior disputes and requests for validation. 

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 non-monetary relief
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
Experian marked my dispute as completed within about one hour of submission without conducting a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The account in question is a medical collection for a date of service when I was insured under SSDI ( Medicare/Medicaid ) . I provided valid proof of coverage showing that I am not responsible for this debt. Experian failed to review or forward my evidence to the furnisher and closed the dispute improperly. I am requesting a full reinvestigation, verification of my documentation, and removal of this inaccurate medical collection.

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 2025-10-30 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: NY

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The credit reporting agencies and your company are in violation for furnishing and reporting an account that does not belong to me. The account I.C. SYSTEM, INC XXXX is not mine. 

Your company is claiming that you purchased a debt from XXXX XXXX XXXX XXXXXXXX, which is completely false. This account was sold to XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, and I have proof of this directly from the original creditor, along with documentation of the active payment plan I currently have with XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is already reporting this same account on my credit report, so I have no idea why I.C. System is attempting to take ownership of an account that is already being handled by another collection agency. This is misleading, deceptive, and unlawful. 

Additionally, your company has engaged in harassing collection activity, which violates the Fair Debt Collection Practices Act ( FDCPA ). The credit reporting agencies are also in violation for double jeopardy and for failing to conduct a proper investigation into 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 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: KY

Complaint narrative:
I was approved for a loan of XXXX on XX/XX/year> and then they deposited an additional XXXX on XX/XX/year> that I wasn't aware of. My payments were supposed to be XXXX biweekly. On XX/XX/year> XXXX, XX/XX/year> XXXX, XX/XX/year> XXXX, XX/XX/year> XXXX. I called them last week and the lady didn't give her name and that is when I was told that only XXXX was applied to the loan amount that was borrowed and the rest was for fees. I told her I was not aware of this, or I wouldn't have taken the loan. 
I have paid a total of 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 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
My wife and I took care of money owed from a XXXX account a while back and Southwest Credit Systems is calling me several times per week. My wife has talked to someone and taken care of it. It is {$100.00} dollars owed and it was paid. They continue to call and they have emailed me as well. This is harassment and its frustrating.

Company response to consumer: Closed with non-monetary relief