vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: GA

Complaint narrative:
Im making a complaint against CarMax Auto Finance regarding an account by them that was charged off on my credit report. According to public records from the Utah Division of Corporations, the entity known as CarMax Auto Finance is a registered entity in the state of Utah, but doesnt come up in the Georgia Division of Corporations . Since the company doesnt operate as even as a foreign entity to Georgia , the account should be fully removed from all of my credit accounts ( XXXX XXXX XXXX XXXX ) immediately. 

Below are documents from the Utah Division of Corporations and my credit report showing CarMax Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: LA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : SXXXX 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 non-monetary relief
Consumer complaint received 2025-08-18 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:
Under USC 1681g, you are obligated to resolve and remove these inaccurate accounts within XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint against the nationwide consumer reporting agencies Equifax, Experian, and TransUnion for inaccurate, incomplete, and unverifiable information being reported on my credit files in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq.

- Inaccurate Personal Information : My reports contain multiple name variations and addresses that are not accurate or current. This creates confusion and risks mixed-file errors.

- Unverified/Incorrect Accounts : Several accounts are reported with incorrect balances, statuses, or dates. For example, accounts from XXXX XXXX, XXXX XXXX, and others show inconsistent reporting across bureaus. Collection entries such as XXXX, XXXX XXXX, and XXXX remain despite disputes and lack proper validation. 
- Duplicate and Inconsistent Reporting : Some accounts appear duplicated across different furnishers or report conflicting balances/statuses ( open vs. closed, charged-off vs. paid ). 
- Failure to Investigate Disputes : I have previously disputed multiple accounts. The bureaus marked them as 'meets FCRA requirements ' or 'consumer disputes ' without providing proof of validation from the original creditor, in violation of FCRA 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year> an unauthorized charge to my Chime checking account was made in the amount of {$260.00} for XXXX using my debit card, which was still in my possession, where my card number was most likely stolen online. There were numerous other attempts to withdraw more money from my account for the same merchant so I froze my card and called Chime. They had me get a new card and open a dispute with evidence that the charge was not mine. I provided what I had at the time, which was screenshots of the many declined transactions within 1 minute of each other. My dispute was denied. I was told it would be the most successful if I got a police report and sent that in. I did so and opened a XXXX dispute. I contacted XXXX and filled out an unauthorized charge complaint form and had received the proof that someone else had used my card. It showed the name of the person who made the XXXX purchase, their address, telephone number, email, their whole purchase, who picked up the online order, the last 4 digits of my card and expiration date, and the date and time the order was made and picked up. This person lives in Texas and I live in North Carolina. I was on the road to visit my mom who lived 3 hours away as this order was being made. I have since opened 5 more disputes with the police report, email correspondence with XXXX, a screenshot of my GPS history showing I was in North Carolina at the time the order was placed in Texas, and the whole XXXX order that XXXX had sent me. My last claim on XX/XX/year> was just denied again. XXXX has already said they will not refund me, that I need to send the proof to my bank for reimbursement. I have done that and hav been denied 6 times now with complete proof of the fraud. I just want my money back and Chime refuses to give it to me, and XXXX wont either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX -- -- Opened : XX/XX/year> XXXX XXXXXXXX XXXX XXXXXXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
I am exercising my rights under 15 USC 1692c ( c ) of the FDCPA and the Fair Credit Reporting Act ( 15 USC 1681 et seq. ) to demand the immediate deletion of the following inaccurate, unverifiable, fraudulent, and negatively reported items from my credit file. 

These entries represent violations of my consumer rights and are being challenged for validity. You are hereby ordered to cease reporting, sharing, or otherwise maintaining these items on my consumer credit profile. 

Negative Accounts to Be Deleted Immediately ( within 48 Hours ) XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX Inquiries to Be Deleted Immediately All inquiries associated with the above-listed accounts must be removed as they were not authorized by me and are in direct violation of 15 USC 1681b. 

Fraudulent / Incorrect Personal Information to Be Deleted Names to Delete : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Addresses to Delete : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2025-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this dispute to address the fraudulent inclusion of an account on my credit report. I did not authorize or initiate this account, and it has no connection to me. The reporting of this account is an error that is damaging 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Hi I received a loan from credit acceptance in XXXX. I paid on the loan for 2 and a half years. The vehicle blew up I then called them and told them to come get it. They then sent me a lien release in mid XXXX and then a few months later sued me. I was unaware and this XXXX I received a judgement for garnishment. And the loan is still in my credit score.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX , do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient 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 2025-08-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX , do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Subject : Request to Reopen or File New Complaint Against Citizens Bank NA To Whom It May Concern, I previously filed a complaint with your agency against Citizens Bank NA, which was closed without a satisfactory resolution. I am now requesting that my case be reopened, or alternatively, that a new complaint be filed, based on newly discovered information that is material to the original matter.

I recently learned that at the time Citizens Bank NA initiated foreclosure proceedings against my property, they were not the actual creditor of record. In fact, Citizens Bank NA had transferred its credit interest to another creditor back in XXXX  but failed to disclose this transfer to me, to the court, or to your agency. Despite no longer being the rightful creditor, Citizens Bank NA continued to act as the plaintiff in the foreclosure action, ultimately foreclosing on my property.

This information only came to light after prolonged litigation with the bank and its two law firms involved in the foreclosure process. Based on section 15 U.S.C.A. 1692a ( 6 ) Citizens Bank NAs role was, at best, that of a debt collector. As such, their actions should be subject to debt collection laws and oversight. Accordingly, I request the reopening of my case to address this clear misrepresentation.

Beyond my individual matter, I am gravely concerned that this may represent a broader pattern of misconduct by Citizens Bank NA. It appears they may be routinely misrepresenting themselves as the creditor in foreclosure actions when, in fact, they are acting as a debt collector. This conduct not only misleads courts and regulatory bodies but also allows Citizens Bank NA to improperly obtain property titles to which they have no legal right. If true, this constitutes a fraudulent scheme that could be affecting numerous homeowners.

In support of this request, I am attaching two motions to reopen judgmentone filed in state court and the other in federal court. These filings outline in detail the fraudulent acts and actions of Citizens Bank NA and its law firms in my case. I urge your agency to review these documents and investigate Citizens Bank NAs conduct as a potential pattern of fraudulent behavior requiring immediate oversight and enforcement.

Thank you for your attention to this matter. I look forward to your response and to the opportunity for a proper review of my complaint. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I reviewed my credit report and found inaccurate information related to this account. This is affecting my ability to get credit. I'm requesting a proper investigation into the following items : Experian : [ XXXX XXXX ] [ Account # XXXX ] [ Date Opened : XX/XX/XXXX ] Equifax : [ XXXX XXXX ] [ Account # XXXX ] [ Date Opened : XX/XX/XXXX ] TransUnion : [ XXXX XXXX ] [ Account # XXXX ] [ Date Opened : XX/XX/XXXX ] The information is inaccurate because the account is being re-aged illegally. 

Experian : [ XXXX BANK XXXX ] [ Account # XXXX ] [ Date Opened : XX/XX/XXXX ] Equifax : [ XXXX BANK XXXX ] [ Account # XXXX ] [ Date OpenedXXXX  ] TransUnion : [ XXXX BANK XXXX ] [ Account # XXXX ] [ Date Opened:XXXX ] The information is inaccurate because the account resulted from identity theft. 

Experian : [ XXXX XXXX XXXX  XXXX ] [ Account # XXXX ] [ Date Opened : XX/XX/XXXX Equifax : [ XXXX XXXX XXXX  XXXX ] [ Account # XXXX ] [ Date XXXX ] TransUnion : [ XXXX XXXX XXXX XXXX  ] [ Account # XXXX ] [ Date Opened:XXXX ] The information is inaccurate because the account is being reported incorrectly.

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 2025-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
* * * NOTE * * * THIS IS INVOLVING THREE OF MY ACCOUNTS ( CHECKING, SAVINGS AND GROWTH ) WHICH ARE ALL CONNECTED.

I opened a student account ( I am a XXXX XXXX XXXX  now ) with PNC. My student account was somehow connected to my mother 's account. My mother disputed a charge with PNC and her account was overdrawn for a time while she waits for the dispute to be settled. PNC took all of my money out of my account BEFORE my mother 's account was even closed, without my consent. I NEVER agreed to any policy like this. I have all of the signed documents from when I opened my account, and NOTHING in those documents says that I would be responsible for someone else 's debt, or that they would have the right to withdraw my money without my consent. 

They should have sent my mother to collections if that were the case. I worked hard for my money, and PNC just took it. I start school tomorrow, and all of my accounts are at a {$0.00} balance and they refuse to give it back. THIS IS WRONG! I have nothing to do with anyone else 's debt. I never agreed to this, and neither did my mother. 

The merchant that my mother disputed the charge with, has agreed to give her-her money back, but said it would take time. My mother has sent PNC all of the emails about this, but instead of PNC waiting, they took all of the money from my account. Please help me. THIS IS NOT RIGHT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX BANK XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$17000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX 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 explanation
Consumer complaint received 2025-08-18 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> - Balance {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient 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 2025-08-18 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting the removal of inaccurate personal information from my credit report that does not belong to me. The information appears to be incorrectly associated with my account and may have been filed under my name or identification in error.

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