vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 am disputing several inaccurate items on my credit report that resulted from identity theft following a data breach. These include fraudulent accounts, unauthorized inquiries, and inaccurately reported late payments. I am providing my government-issued ID, proof of address, and an FTC Identity Theft Report. These items were not authorized by me and are being reported incorrectly, which violates FCRA 605B, 611, and 623. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 

Unauthorized Inquiries : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX I did not authorize this inquiry. Please remove it from my credit report Inaccurate Late Payments : XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never late ; please correct the record to reflect Paid as Agreed.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been negatively affecting my life and damaging my credit score. These inaccuracies are preventing me from achieving financial freedom and stability, and the ongoing impact has become unbearable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
Dear CFPB, I am filing this complaint regarding multiple unauthorized and inaccurate credit inquiries that have appeared on my credit reports. I did not authorize any of these inquiries, and I have no knowledge of or relationship with the companies listed below. Their presence is damaging my creditworthiness and causing undue stress. 
Disputed Inquiries : XXXX XX/XX/XXXX I never applied for any credit with XXXX on this date. This inquiry is unauthorized and fraudulent, and it should be deleted from my credit report immediately. 
XXXX XXXX XX/XX/XXXX I did not authorize XXXX XXXX to pull my credit. This is an unauthorized inquiry. Its presence on my credit file is unacceptable and damaging. Please remove it immediately. 
XXXX XX/XX/XXXX I have no knowledge or relationship with XXXX  that would justify this inquiry. This is fraudulent and must be deleted without delay. 
XXXX XX/XX/XXXX I never initiated any credit request with XXXX on this date. This inquiry is completely unauthorized and must be permanently removed. 
XXXX XX/XX/XXXX I did not authorize XXXX to access my credit report on this date. This inquiry is invalid and must be immediately deleted from my file. 
Issue Summary : The continued presence of these unauthorized credit inquiries is negatively affecting my credit score and financial reputation. I request CFPB to investigate these violations, contact the credit bureaus and the companies involved, and ensure that all unauthorized inquiries are permanently removed from my credit reports. 
Action Requested : Investigation of each unauthorized inquiry.

Permanent deletion of all invalid inquiries.

Written confirmation of corrective actions taken.

This matter is urgent, and the failure to resolve it properly may constitute a violation of my rights under federal credit reporting laws.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  Consumer Financial Protection Subject : Request for Full Validation of Alleged Debt Dear To whom it may concern, I am writing in response to your recent communication about an alleged debt. Before I consider any further action, I need complete and accurate validation of the account you referenced. At this time, I am unable to move forward without proper documentation. 
To properly review this matter, please provide the following : The name and address of the original creditor The original account number A detailed breakdown of the amount you are claiming Documentation establishing that I am the responsible party Proof that your agency is authorized to collect this debt The date of the last payment and confirmation that the account is not time-barred Until the information above is provided, I respectfully request that all collection activity be paused. Once I receive and review the documentation, I will determine the appropriate next steps. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or about XX/XX/year> {$43000.00} was fraudulently taken from my Wells Fargo Account. In Wells Fargo 's response dated XX/XX/year>, Wells Fargo denies multiple fraud claims. They indicate that although the transfer of {$43000.00} from my savings account to my checking account was unauthorized, the funds were not in my checking account and thus could not be returned. They state that transactions withdrew the funds but did not explain how the transactions were determined not to be fraudulent despite the fact that I was in a different state during the time of certain transactions and the transferred balance did not appear on the ending balance of my checking account ending in XXXX. Additionally, Wells Fargo Verified fraudulent activity on my account, reference number : XXXX and reference number : XXXX, and issued credit for these transactions. There are others transactions that Wells Fargo identified as fraudulent during this time as well. 

It is unclear how Wells Fargo can verify some transactions as fraudulent and others as not being fraudulent during the same period of time. The letter dated XX/XX/year> also states that multiple claims were submitted for transactions on cards ending in XXXX, XXXX, XXXX, XXXX. And it each case it was confirmed that the card was either mailed to me or in my possession at the time of the transactions. This is an insufficient explanation and doesn't indicate the evidence used to determine the transactions were not fraudulent. In reference to the cards listed above, card numbers XXXX, XXXX, XXXX were not activated and although may have been mailed, had not been actually received by me. Because of the reported fraud, a restriction was placed on my ability to activate these cards which required me to physically go into a Wells Fargo branch location to activate which was not done. And especially in the instance of any transaction that was done using card number ending in XXXX, there were transactions being made at an ATM location while I was sitting in the branch with an account representative reviewing claims.

The Wells Fargo response is neither complete nor accurate. The letter contradicts itself, doesn't provide accurate information and doesn't address the inconsistencies where fraud was found regarding some transactions and not others during the same time period of the fraud claims outlined in this complaint. Wells Fargo has made this process confusing to the point, where as a consumer trying to navigate the system, they have made it so convoluted that I am unable to track what they have done to date. Additionally, they have not responded to my request for the investigation file with the evidence they used to make their determination.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
I am disputing inaccurate and misleading credit reporting related to my mortgage with United Wholesale Mortgage and several other accounts. United Wholesale Mortgage instructed me not to make payments from XX/XX/XXXX through XX/XX/XXXX while they restructured a repayment plan, yet they still reported repeated late payments and serious delinquencies for that same period as if I simply chose not to pay. I believe this is inaccurate and misleading under the FCRA and XXXX XXXX guidelines because I was following their instructions during an active workout process. In addition, other furnishers ( including XXXX XXXX, XXXX XXXX, and XXXX ) appear to be reporting duplicate or inconsistent chargeoffs and dates, and my credit reports show addresses I do not recognize even though my only correct current address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX. My reports also list multiple hard inquiries ( such as XXXX, XXXX XXXX XXXX  XXXX, XXXX, and XXXX XXXX on XXXX ) that I do not recall authorizing and do not recognize. These issues have driven my FICO scores into the XXXX and are preventing me from accessing fair credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-19 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:
b'GREETINGS I APPRECIATE YOUR ATTENTION TO THIS MATTER MY NAME IS XXXX XXXX. I HAVE SOME UNFORTUNATE NEWS I HAVE BEEN NOTIFIED I AM A VICTIM OF THE XXXX DATA BREACH WHICH HAS RESULTED IN THE THEFT OF MY IDENTITY I AM SEEKING GUIDANCE PLEASE. I SEEK THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA SECTION 605B (15 U.S.C. 1681-c2). AS AN INDIVIDUAL IMPACTED BY IDENTITY THEFT, I AM ENTITLED TO REQUEST THE REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY CREDIT REPORT THANK YOU. THIS REGULATION MANDATES THAT CREDIT. HERE ARE THE ITEMS I AM ASKING YOU TO VERUFY AS ACCURATE:\n\nExperian: [Account name: XXXX] [Account number: XXXX                [Account Name: XXXX XXXX XXXX XXXX] [Account Number: XXXX                [Account Name: XXXX] [Account Number: XXXX                [Account Name: XXXX [Account Number: 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 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
This is the email I sent to Walgreen credit card : ========================= Hello, About a week ago, I received this big postcard offering 10 % for Walgreens brand items, and everything else is 5 % until end of 2025. 
So I activated by scanning the QR code on the card, but it's not reflecting and some transactions are getting just 1 % and so on. 
So I tried activating again a few days ago. But nothing changed. So I called XXXX on XXXX. The girl I talked to said the offer isn't reflected yet. So she told me to either wait, or try reactivating again. I decided to wait. But it seems like the transaction I made yesterday still isn't 5 % reward. 

Then I started wondering if this was a scam, and I signed up for some scammer 's QR code. 
I'm sending you photo copies of this card I received. 
Please investigate this and let me know if this offer is rigid or scam ASAP. 
==================== And they replied with no specific answer to what I'm asking about, which is 5 % reward until XXXX 

I only get 1 % of non-walgreen items. What they promised me isn't there at all.

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 2025-11-19 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-20 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : 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 2025-11-19 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
On XXXX XXXX XXXX Rausch Sturm LLP contacted me attempting to collect an alleged XXXX XXXX debt that had been fully disputed since XXXX XXXX At the time they contacted me, the account remained unvalidated and legally uncollectible under the FDCPA and Regulation FXXXX XXXX never provided the required documentation, and Rausch Sturm initiated new collection activity despite having no legal basis or substantiation to support their claims. 

Rausch Sturm sent a written notice implying attorney involvement, legal authority, and documentation they did not possess. Their letter attempted to collect a balance that had never been validated, and they represented the debt as legally enforceable without reviewing any underlying records. This violates Regulation Fs substantiation requirements ( 12 C.F.R. 1006.30 ( a ) ), the FDCPAs prohibition on misrepresentation, and the FCCPAs ban on asserting rights that do not exist. 

As a law firm, Rausch Sturm is under heightened professional and legal obligations. Attorneys must maintain competency, comply with federal regulations, and understand the regulatory restrictions imposed on their clients. Despite this, Rausch Sturm accepted and acted upon a disputed, unverified account from XXXX debt buyer under CFPB consent orders restricting the transfer and collection of unsubstantiated accounts. Rausch Sturms decision to engage in collection activity without verifying XXXXs compliance directly contributed to new violations. 

XXXX XXXX conduct also reflects a pattern documented in the CFPBs Complaint Database, where consumers have reported similar issues involving deceptive letters, improper legal threats, and lack of documentation. This indicates that the firms actions are not isolated errors but part of an ongoing practice inconsistent with federal law. 

These are new violations, independent from my prior complaint against XXXX. Rausch Sturm initiated unlawful collection, misrepresented the status of the debt, implied legal action without substantiation, and failed to meet the requirements imposed on attorneys and licensed collectors. Their actions constitute new and separate violations of the FDCPA, Regulation F, and Floridas FCCPA.

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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I contacted the company, Hyundai Finance, a number of times via telephone most recently on XX/XX/XXXX and XX/XX/XXXX. On the last date I spoke to an XXXX and she assured me that she started the process of getting me my title for my XXXX XXXX XXXX. I was told this several times before and nothing happened.

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