vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN ( last XXXX ) : XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Credit Bureaus Refusing to Remove Unauthorized Inquiries ( FCRA Violations ) To Whom It May Concern, I am submitting this complaint because TransUnion, Equifax, and Experian have refused to remove fraudulent and unauthorized hard inquiries that I did not authorize. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These companies had no permissible purpose under FCRA 604 ( a ) ( 2 ). Despite disputes, the bureaus wrongfully verified them and left the harmful data on my reports. The negative impact includes : Increased APR offers Credit denials Significant harm to my financial stability I am requesting that CFPB require the credit bureaus to : 1 Delete these unauthorized inquiries 2 Provide documentation showing proof of my authorization 3 Prevent further unauthorized access to my credit files I appreciate your immediate attention to this matter. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN ( last XXXX ) : XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Credit Bureaus Refusing to Remove Unauthorized Inquiries ( FCRA Violations ) To Whom It May Concern, I am submitting this complaint because TransUnion, Equifax, and Experian have refused to remove fraudulent and unauthorized hard inquiries that I did not authorize. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These companies had no permissible purpose under FCRA 604 ( a ) ( 2 ). Despite disputes, the bureaus wrongfully verified them and left the harmful data on my reports. The negative impact includes : Increased APR offers Credit denials Significant harm to my financial stability I am requesting that CFPB require the credit bureaus to : 1 Delete these unauthorized inquiries 2 Provide documentation showing proof of my authorization 3 Prevent further unauthorized access to my credit files I appreciate your immediate attention to this matter. 

Respectfully, 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 2025-11-04 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:
I am submitting this complaint to formally dispute several unauthorized and inaccurate credit inquiries appearing on my consumer credit report. These inquiries were conducted without my consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

The following inquiries appear on my credit report and are in question : XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> ( appears twice ) XXXX XXXX Date : XX/XX/year> I have no prior relationship, application, or authorization with any of these companies that would justify these hard inquiries. These entities had no permissible purpose under FCRA 604 ( a ) to access my credit file. 

These inquiries have negatively impacted my credit score and misrepresent my credit-seeking behavior. I have already disputed these inquiries with the credit reporting agencies, but they have failed to provide documentation proving my consent or a valid business relationship with these companies. 

I am requesting that the CFPB conduct a full investigation into these unauthorized inquiries and compel the credit bureaus ( Equifax, XXXX XXXX XXXX ) to : Remove all of the above unauthorized inquiries from my credit report immediately ; and Provide written confirmation of the removal ; and Hold the entities accountable for violating my consumer rights under the FCRA. 

Please ensure this matter is thoroughly reviewed and resolved promptly. These unauthorized inquiries have caused measurable harm to my creditworthiness and peace of mind. 

Thank you for your attention to this serious matter. I expect a written response detailing the steps taken to resolve my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-04 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: TX

Complaint narrative:
Dear CFPB Representative, I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by the credit bureaus and the listed furnishers of information. My credit report contains false, inaccurate, and unverified data, which has significantly damaged my credit reputation and financial stability. Despite my right to accurate reporting, these items continue to appear on my report without proper verification. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$9700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I never made any late payments on this account. The report is inaccurate and must be corrected under FCRA 602 ( A ) and 611 ( A ). 
Unauthorized/Unverified Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me. Please provide documentation of my consent or remove them immediately under FCRA 604 ( a ) and 607 ( a ).

I request the CFPB to direct the credit bureaus and furnishers to : Provide documentation showing my written or electronic consent for each inquiry ; or Immediately delete all unauthorized inquiries from my credit file.

Relief Requested : 1. Removal or correction of all inaccurate information from my credit reports.

2. Written confirmation from the credit bureaus showing all changes made.

3. Enforcement actions against any furnishers or agencies violating the FCRA. 
I am submitting this complaint to ensure my consumer rights under the FCRA are protected and enforced. These repeated violations have caused emotional distress, reputational harm, and financial hardship. I request that the CFPB investigates and holds the responsible entities accountable. 
Thank you for your attention and prompt action on 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 2025-11-04 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 filing a dispute with TransUnion regarding the following accounts and inquiries that are inaccurately reported : Charged-Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I was approved for the Citi XXXX XXXX credit card. However, before I even received my physical card, Citi blocked my account and requested that I submit a XXXX form ( IRS income verification ). I provided the requested form promptly and in full, but despite my compliance, I later discovered that my account had been closed without any explanation. 
I contacted Citi multiple times to understand the reason for the closure, but no clear reason was provided. This situation seems to be affecting other customers as well, as many people report having their Citi credit card accounts closed after submitting the same XXXX form, without any detailed explanation or transparency.

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 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
This complaint is connected to previously closed CFPB case XXXX ; new evidence and additional entities are involved. 
This matter is also under review by the Office of the Comptroller of the Currency ( OCC XXXX XXXX ) regarding PNC Bank. PNC referred me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a U.S. Treasury-certified CDFI lender XXXX which denied my application in a manner that raises the same access-to-credit concerns. 

On XX/XX/XXXX I applied to XXXX for a business working-capital loan under my companys EIN. I chose XXXX because it advertises CDFI-aligned and flexible-documentation programs for underserved entrepreneurs. I uploaded my XXXX business tax return and was preparing my Executive Summary and Use-of-Funds statement when, on XX/XX/XXXX, I received an automatic denial based solely on my personal credit score. No business documents were reviewed. I never authorized a personal-credit decision for this EIN-based loan. The denial was issued before the file was complete. 

I emailed XXXX Director of Lending, XXXX XXXX, requesting written disclosure of ( 1 ) whether XXXX offers any low-document CDFI business loans under XXXX  ; ( 2 ) which credit bureau was used and whether the inquiry was coded as personal or commercial ; ( 3 ) XXXX policy for appeal or re-review ; and ( 4 ) how long XXXX retains applicant credit data. ACE did not answer ; instead, it refunded my XXXX application fee and closed the file. 

On XX/XX/XXXX XXXX XXXX confirmed in writing that all XXXX loan programs require a minimum personal credit score of XXXX and that my application was declined solely on personal credit score eligibility. When I spoke with him by phone, he limited the discussion to unrelated topics and ended the call after I requested that all communication remain in writing. 

XXXX process contradicts the public mission of a CDFI lender and fails to provide required transparency under the Fair Credit Reporting Act and Equal Credit Opportunity Act. I request that CFPB require XXXX to : ( 1 ) disclose in writing its lending criteria and credit-reporting practices for EIN-based applications ; ( 2 ) confirm whether its XXXX-score rule applies to all borrowers regardless of business structure ; and ( 3 ) clarify whether the credit inquiry was personal or commercial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing this complaint regarding my closed JPMCB account that is being reported with late payments and a charge-off status. 

This account was closed and settled, yet JPMCB continues to report it with multiple late payments and a charge-off balance that I do not owe. I have contacted JPMCB to resolve the issue and to request verification of the information being reported, but I have not received proper documentation to support the accuracy of these entries. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate and verifiable information. Reporting late payments and a charge-off on an account that is closed and has a {$0.00} balance is inaccurate and misleading. This continued reporting is negatively impacting my creditworthiness and does not reflect the true standing of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 contacted XXXX XXXX XXXX and informed them that the account they are reporting on my credit report was not mine.They tried to get me to pay debt or payment plan even thou I informed them that it wasnt my debt.

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 2025-11-04 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 contacted XXXX XXXX XXXX and informed them that the account they are reporting on my credit report was not mine.They tried to get me to pay debt or payment plan even thou I informed them that it wasnt my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am submitting this follow-up complaint regarding my previous CFPB case ( # XXXX ) against Citibank. The response I received from Citibank was a generic form letter that did not address the details of my case or the evidence provided. On XX/XX/2025, I was the victim of a scam and {$9200.00} was wired from my XXXX XXXX XXXX account to a Citibank account controlled by the scammer. Both I and XXXX  XXXX XXXX contacted Citibank immediately requesting that the receiving account be frozen. A Citibank representative confirmed to me by phone that the account had been flagged, that the funds were visible, and that they were frozen. However, weeks later, Citibank informed XXXX XXXXXXXX XXXX that the account holder ( the scammer ) had simply declined to return the funds, which makes no sense and suggests that Citibank either mishandled the freeze request or allowed a criminal to retain stolen funds.

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 2025-11-04 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: NC

Complaint narrative:
I believe the following accounts on my Experian report are inaccurately reported, and I request a full review and correction where necessary : XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} This account is inaccurately reported as a charged-off item. I dispute this account based on its incorrect status and request a thorough investigation of its reporting. 

XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Duplicate entry for the same account. Please verify the accuracy of this entry and correct or remove the duplicate. 

XXXX  XXXX ( Account # XXXX  ) Date Opened : XX/XX/XXXX Balance : {$140.00} I dispute the balance and reporting of this account. Please review and correct any inaccuracies. 

XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} This account is incorrectly reported. Please investigate its accuracy and update accordingly.

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 2025-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
As quoted from Complaint # XXXX which was closed with Wells Fargo doing NOTHING : " I was in bankruptcy for almost seven years. The bankruptcy court allowed me to keep the mortgage OUT of the bankruptcy and the court ordered Wells Fargo to treat the account as a regular account and not as a bankruptcy account. Wells Fargo complied with this order for the first XXXX years of the bankruptcy. But, without any notice, they started treating it as a bankruptcy account, which included no longer reporting my payments to the XXXX credit bureaus. This caused my credit score to plummet!!! I have fought with Wells Fargo for the last XXXX years over this and XXXX of their customer service agents were not very friendly with me at all. Now, I have been out of XXXX  since XX/XX/year>. Every month since then, I have had to call and complain about my account still being treated as if it is still in bankruptcy, including failing to report my payment. Just last month, XXXX MONTHS AFTER the XXXX  was XXXX, they finally decided to convert my account to a regular account. Yet, they are STILL refusing to report my payment history over the life of the current mortgage and the previous mortgage. ''

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