vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
FEB Destiny ( CONCORA ) Credit card company issued me a credit card circa XX/XX/year>. Since XXXX of 2024, without my permission or authorization, they drafted or paid themselves from my bank account over a period of XXXX months cash amounting to {$2000.00} ( see attached list of unauthorized payments from my bank account ). The company never sent me any monthly invoices/statements or any explanations of the transactions, but they still helped themselves with payments from my bank account in amounts of their choice which I found extremely aggressive and invasive for them to do. Every time I requested details to explain the withdrawals they failed to provide them. 

In XXXX, I noticed yet another UNAUTHORIZED CONCORA payment of {$780.00} from my bank account and called them to get an explanation for the payment. The customer service representative told me that the payment ( s ) were web payments authorized by someone else and not them. I protested that it wasnt me making or authorizing those payments and demanded that they return my money. In the discussion, they asked to verify my information and it didn't match their records, the email and physical mailing address in their records did NOT match mine. The REFUSED to tell me whose email and physical address they had in file. Meanwhile, a few days prior, on Sunday XX/XX/XXXX, I received an email alert of an email address update ( change ) from XXXX of Destiny Mastercard Confirmation of Email Address Update from the company ( see attached ). I had NOT made any changes to the account let alone have access to the account, someone else had access to and control of the account. They advised me that my account was compromised and sent my profile to their FRAUD department to fix it. On my request for a return of the UNAUTHORIZED payments, they advised me to dispute them with my bank, which I did. 

Retaliation : The bank returned XXXX of the last payments to CONCORA. Days later, FEB Destiny ( CONCORA ), in RETALIATION, FALSELY reported to the Credit Bureaus that I was 60 days late in payments which is FALSE. Because of the false reporting, my credit worthiness went down by about XXXX points. I tried multiple times to get this resolved and the company has REFUSED to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  with a balance of {$74000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On or about XX/XX/XXXX I called TD bank to notify them that there were approximately {$620.00} of unauthorized charges while I was on vacation in California. I informed the representatives that I had used my debit card at certain locations and that my debit card was not lost or stolen, my debit card was in my possession at all time and I did not give or authorized anyone to use my card. They took a dispute claim. 

on or about XX/XX/XXXX I received a letter from TD bank stating " our review concluded that an error did not occur. The reason for this decision was base on the fat that you advised your chip card was in your possession, during an in person transaction '' On or about XX/XX/XXXX I called TD to complaint about my disagreement their decision. TD bank later on credited half of the unauthorized charges. Approximately {$310.00} On or about XX/XX/XXXX I called TD Bank to notify them about {$210.00} of unauthorized charges made in several places in New York. I informed the representative that I had not traveled to New York and my debit card was not lost or stolen. They took a dispute claim. 

on XX/XX/XXXX TD wrote again that there was no error as I advised that my card was not lost or stolen. I immediately called to let them know that I disagreed with their decision as I had not traveled to New York. A supervisor stated " we are not honoring a credit, it does not matter what you do. You can file an appeal in person and see what happens '' on XX/XX/XXXX I visited a bank location and file an appeal. 
on XX/XX/XXXX I received a letter stating that there was no error as I informed that my debit card has been in my presence. The representative stated that I could had duplicated the debit card. And, that a representative had already called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-17 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-17 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Subject : Request for Removal of Unrecognized Hard Inquiries Dear CFPB, I hope this message finds you well. I am writing to request the removal of certain hard inquiries from my credit report that I do not recognize and believe are impacting my credit score negatively.

Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : 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  AND SO MANY OTHERS THAT I'M NOT WARE OF. MORE THAN 40 HARD INQUIRES.

I kindly ask for your assistance in investigating these inquiries and removing them from my credit report if they are found to be unauthorized. Attached to this message are copies of my identification documents and any relevant information that may assist in verifying my identity and addressing this issue.

Please let me know if there are any forms or additional documentation required to process this request. I appreciate your prompt attention to this matter and look forward to resolving it swiftly.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR 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 2025-07-17 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Subject : Request for Removal of Unrecognized Hard Inquiries Dear CFPB, I hope this message finds you well. I am writing to request the removal of certain hard inquiries from my credit report that I do not recognize and believe are impacting my credit score negatively.

Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : 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  AND SO MANY OTHERS THAT I'M NOT WARE OF. MORE THAN 40 HARD INQUIRES.

I kindly ask for your assistance in investigating these inquiries and removing them from my credit report if they are found to be unauthorized. Attached to this message are copies of my identification documents and any relevant information that may assist in verifying my identity and addressing this issue.

Please let me know if there are any forms or additional documentation required to process this request. I appreciate your prompt attention to this matter and look forward to resolving it swiftly.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-07-17 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: MD

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: VA

Complaint narrative:
I was contacted by JEFFCAPSYS, a debt collector for XXXX XXXX, regarding a collection account with a reported balance of {$1600.00}. The account was opened on XX/XX/year> and last reported on XX/XX/year>. 

I dispute this debt as it is inaccurate and not owed by me. I have attempted to resolve this with JEFFCAPSYS by requesting validation of the debt and detailed billing statements from the original creditor, but I have not received sufficient proof or documentation to verify the legitimacy of this debt. 

Additionally, I have asked JEFFCAPSYS to stop contacting me, but they continue to call persistently from the phone number XXXX, causing undue stress. 

I request that JEFFCAPSYS and the credit reporting agencies investigate this matter fully and remove this erroneous collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On this date, XXXX XX/XX/year>, I received a Wells Fargo XXXX XXXX XXXX Credit Card addressed to myself at my home, however, I have no Wells Fargo accounts and have never applied for any new accounts or cards recently. 
I called WF to voice my concern and have the account closed immediately. I also asked about how the account was opened, specifically asking for them to send the application to the same address they sent the card, but they refused my request.

At this moment, I am unsure whether they proceeded to close the account and report the fraud.

Each person I spoke to from WF was generally dismissive and refused to claim any accountability for processing the fraudulent application.

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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: AL

Complaint narrative:
I made a purchase through the kraken app on XX/XX/XXXX. I used plaid because it was an XXXX deposit of {$150.00}. Shortly after XXXX showed a pending charge of {$150.00} from payward XXXX XXXX On Monday XX/XX/XXXX at XXXX the pending charge was removed and shortly after I received an email saying the ach deposit failed but the {$150.00} never got back to my account. I know it didnt because I transferred the XXXX from my XXXX XXXXredit builder to my XXXX checking account. On XX/XX/XXXX kraken allocated a credit for {$150.00} usd to my account and after I got the denial email, I recieved another email saying that my kraken account was gon na be debited {$150.00} for the failed deposit. I called XXXX to dispute it but it being a pre authorization hold, when it fell off Monday at XXXX nobody could see it. Kraken doesn't just issue credits without a preauthorization hold because I tried it and the transaction automatically failed because the funds weren't in my account. Ive messaged kraken support and now they won't message me back so im not sure what I should do because nobody can see the transaction at 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