vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/year>. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Sec

tion 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. Request I request an immediate investiga
tion into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: WA

Complaint narrative:
My Chime account was hacked on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-22 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: GA

Complaint narrative:
Subject : Formal Dispute Duplicate and Indeterminate Reporting Tradelines in Dispute : Multiple DOE/XXXX & DEPT OF ED entries showing Indeterminate status and unique balances ( {$2100.00} / {$3900.00} / {$2200.00} ) not on XXXX. 
DOE/XXXX lines show 120-day lates in XXXX while status reads Pays as agreed/Deferred.

Errors Identified : Indeterminate is not a valid XXXX XXXX status code ( Field 17 ).

Duplicate/fragmented entries inflate obligations, violating FCRA 607 ( b ).

Payment status inconsistent with historical lates misleading to lenders.

Demand : Merge/remove duplicates, replace Indeterminate with correct status, reconcile balances/dates, and provide full payment ledgers for every late month. If unverifiable, delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX advertised on XXXX a {$99.00} down {$99.00} a month special, so I made contact with XXXX XXXX. Gave them personal information for a soft credit pull where I was informed that I met the pre-requisite to take advantage of the {$99.00} down payment program. I make an appointment to visit, talk to a salesman and sign a loan application. XXXX XXXX did not fully disclose relevant and appropriate information pertaining to the process and procedures. Although I made contact based on the social Media ad with the intention to enter into a {$99.00} down payment program. I learned that XXXX XXXX submitted loan applications to lenders suggesting that I agreed to pay {$2000.00} down which was not a part of any agreement or conversation I had with anyone regarding this visit. I never agreed to any more than what was discussed. So, I learned that they lied to the lender, and they lied to me. Falsifying a financial loan document in my name. 
Is that a crime or just a consumer infraction?

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 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I opened a Kohls credit card ( issued through Capital One ) after being offered a promotion. I made one purchase and immediately paid it off. I never even had a payment due, but I believe I may have entered my checking account information incorrectly when submitting the payment. Instead of being notified of this error or given a chance to correct it, Capital One closed my Kohls card and, shortly afterward, closed several of my long-standing Capital One credit card accounts as well. 
I received no warning, no chance to fix the error, and no explanation before the closures. This action has severely harmed my credit history and score. My Capital One cards were among my oldest credit lines, and their closure has drastically reduced my available credit and average account age. This is particularly damaging because I recently relocated across the country and sold my home, which already impacted my credit. 
I have always been a responsible customer with Capital One, maintained good standing on my accounts, and promptly addressed any issues such as a prior fraud incident on my XXXX card. There was no pattern of late payments or misuse to justify this outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AE

Complaint narrative:
XXXX has refused to allow me to close my account. I have made over a dozen attempts since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: Self Financial Inc.
State: IN

Complaint narrative:
" I am disputing a debt that has appeared on my credit report without my knowledge, authorization, or consent. I was never notified, billed, or provided documentation regarding this alleged debt. I believe this entry is inaccurate and potentially fraudulent. I am requesting a full investigation and removal of this item from my credit report. The creditor/debt collector has not provided proper verification of the debt as required by the Fair Credit Reporting Act ( FCRA ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I do not owe this debt .I ask for validation of the debt with landlords and my signature on lease agreement ademdeum .if not ask to take my information out of your system because that identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MO

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: CT

Complaint narrative:
I am contacting you to dispute an unauthorized hard inquiry that has been recorded on my credit file. I did not apply for credit with the reporting entity, nor did I consent to this access. This inquiry is inaccurate and harmful to my credit profile.

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 2025-09-22 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: NJ

Complaint narrative:
I am a victim of identity theft, and all three credit reporting agencies Experian, Equifax, and TransUnion have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), despite my repeated disputes, FTC Identity Theft Reports, and CFPB submissions. 

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), the credit bureaus are required to block fraudulent information within XXXX business days after receiving a valid FTC Identity Theft Report. I submitted multiple FTC reports along with proof of my identity and address, yet these fraudulent accounts remain : * XXXX XXXX XXXX XXXX {$51000.00} Auto Loan ( Acct ending XXXX ) * XXXX XXXX {$29000.00} Auto Loan ( Acct ending XXXX ) * XXXX XXXX {$660.00} Collection ( Acct ending XXXX ) These accounts were clearly identified in my FTC Identity Theft Reports ( see Exhibits A & B ). Despite my disputes, all three credit bureaus continue to report these fraudulent tradelines. This constitutes a violation of FCRA 605B. 

In addition, each bureau continues to inaccurately report minor late payment marks on XXXX and XXXX, even though my credit profile was compromised through confirmed data breaches. These inaccurate notations violate FCRA 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation of disputed information. 

I am attaching the following evidence for CFPB review and transmission to the bureaus : Exhibit A FTC Identity Theft Report ( Main ) Exhibit B FTC Identity Theft Report ( XX/XX/XXXX ) Exhibit C Experian Data Breach Notice Exhibit D XXXX XXXX Data Breach Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
15 USC 1681.602 ( A ) 15 USC 1681.602 ( 4 ) To exercise responsibilities with fairness, impartiality, and respect for the consumer right to privacy.

15 USC 1681 604 ( a ) ( 2 ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681. 623 ( a ) ( 1 ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if knows or has reasonable cause to believe that the information is inaccurate.

15 USC 6802 - A financial institution may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information 15 USC 6801 - Protection of nonpublic personal information.

15 USC 1692 - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

15 USC 1681 ( Q ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18.

18 USC 1028 - A means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment.

15 USC 1605 - Determination of finance charge. 
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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
15 USC 1681.602 ( A ) 15 USC 1681.602 ( 4 ) To exercise responsibilities with fairness, impartiality, and respect for the consumer right to privacy.

15 USC 1681 604 ( a ) ( 2 ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681. 623 ( a ) ( 1 ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if knows or has reasonable cause to believe that the information is inaccurate.

15 USC 6802 - A financial institution may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information 15 USC 6801 - Protection of nonpublic personal information.

15 USC 1692 - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

15 USC 1681 ( Q ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18.

18 USC 1028 - A means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment.

15 USC 1605 - Determination of finance charge. 
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 non-monetary relief
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation