vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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: VA

Complaint narrative:
Dear Credit Bureau, I am writing to formally dispute and demand the immediate removal of the following unauthorized inquiries and fraudulent accounts appearing on my credit report : Account XXXX XXXX XXXX  Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items were not authorized by me and are the result of fraud. Reporting these accounts and inquiries violates my rights under federal law.

Specifically, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1. FCRA 1681b ( f ) : No person shall obtain a consumer report unless it is for a permissible purpose and authorized by the consumer.

2. FCRA 1681c-2 : I have the right to block information resulting from identity theft from appearing on my credit report.

3. FCRA 1681i : You must conduct a reasonable reinvestigation of disputed information and delete or correct inaccurate, unverifiable, or fraudulent information within 30 days.

4. FCRA 1681e ( b ) : You must follow reasonable procedures to assure maximum possible accuracy of the information you report.

Failure to remove these fraudulent items constitutes willful noncompliance, which under FCRA 1681n subjects your agency to actual damages, statutory damages, punitive damages, and attorneys fees.

I am also asserting my rights under the Fair and Accurate Credit Transactions Act ( FACTA ) to place a fraud alert and block this information from being reported any further.

I demand that you : 1. Immediately delete the unauthorized inquiries and fraudulent accounts from my credit file.

2. Provide written confirmation of the deletions.

3. Send me an updated copy of my credit report after corrections are made.

Failure to comply within 30 days will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will consider pursuing legal action for damages.

I am enclosing a copy of my government-issued ID, proof of address, and any supporting documentation to verify my identity and support this dispute.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: VA

Complaint narrative:
Dear Credit Bureau, I am writing to formally dispute and demand the immediate removal of the following unauthorized inquiries and fraudulent accounts appearing on my credit report : Account XXXX XXXX XXXX  Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items were not authorized by me and are the result of fraud. Reporting these accounts and inquiries violates my rights under federal law.

Specifically, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1. FCRA 1681b ( f ) : No person shall obtain a consumer report unless it is for a permissible purpose and authorized by the consumer.

2. FCRA 1681c-2 : I have the right to block information resulting from identity theft from appearing on my credit report.

3. FCRA 1681i : You must conduct a reasonable reinvestigation of disputed information and delete or correct inaccurate, unverifiable, or fraudulent information within 30 days.

4. FCRA 1681e ( b ) : You must follow reasonable procedures to assure maximum possible accuracy of the information you report.

Failure to remove these fraudulent items constitutes willful noncompliance, which under FCRA 1681n subjects your agency to actual damages, statutory damages, punitive damages, and attorneys fees.

I am also asserting my rights under the Fair and Accurate Credit Transactions Act ( FACTA ) to place a fraud alert and block this information from being reported any further.

I demand that you : 1. Immediately delete the unauthorized inquiries and fraudulent accounts from my credit file.

2. Provide written confirmation of the deletions.

3. Send me an updated copy of my credit report after corrections are made.

Failure to comply within 30 days will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will consider pursuing legal action for damages.

I am enclosing a copy of my government-issued ID, proof of address, and any supporting documentation to verify my identity and support this dispute.

Thank you for your immediate attention to 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 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc.
State: CA

Complaint narrative:
A creditor has violated my rights by reporting inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) mandates that furnishers and credit reporting agencies must ensure the maximum possible accuracy of the information reported. Furthermore, 15 U.S.C. 1681i requires that disputed information must be promptly investigated and corrected or deleted if found to be inaccurate or unverifiable. The continued reporting of inaccurate data violates these provisions and causes harm by affecting my creditworthiness unfairly.

I demand that all inaccurate information be deleted from my credit report immediately. Failure to do so will force me to file a claim against you for violation of my rights under the FCRA. Be advised that statutory damages, actual damages, and attorneys fees may be sought for willful or negligent violations as provided under 15 U.S.C. 1681n and 1681o. Take this demand seriously and act without delay to correct your reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
this is a collection company trying to collect a debt they do not own legally

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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 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 XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - {$1000.00} - Balance : {$1000.00} Account Name : XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - {$960.00} - Balance : {$960.00} Account Name : XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$2700.00} - Balance : {$2700.00} Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$4400.00} - Balance : {$4400.00} Account Name : XXXX # XXXX - Date Opened : XX/XX/XXXX - {$1000.00} - Balance : {$1000.00} UNAUTHORIZED INQUIRIES : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: GA

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 Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - {$55000.00} - Balance : {$55000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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 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 Equifax and XX/XX/XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/year> - {$41000.00} - Balance : {$41000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Complaint Summary : In XX/XX/year>, Ally Financial wrongfully repossessed my vehicle despite my being in compliance with a valid five-year finance contract that remains in effect. I was given no notice or legal justification for the repossession. 

Violation : This action is a breach of contract and a violation of my consumer rights. Ally Financials conduct has caused me serious harm, including : Loss of my vehicle and transportation. 
Improper fees and charges. 
Damage to my credit through false negative reporting. 

Requested Resolution : I am requesting that Ally Financial be required to : XXXX. Immediately return my vehicle. 
XXXX. Waive all repossession-related fees and charges. 
XXXX. Correct my account records and remove all negative credit reporting. 

Supporting Information : I can provide a copy of my contract and any related account documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NV

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit report is showing some inaccurate and misleading information. It lists closed accounts, collections, and duplicate personal details that arent correct. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to make sure everything on my report is as accurate as possible ( 607 ( b ) ) and to reinvestigate when I dispute something ( 611 ). Ive already disputed these items, but theyre still being reported and continue to hurt my credit, making it harder for me to access fair credit opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Ive sent numerous disputes regarding the dispute of a collection account. Acct number XXXX that has the incorrect name and other information that they can not verify. They have failed to send me validation of the debt and showing me where I signed a contract with a middle name. I DO NOT HAVE A MIDDLE NAME. I have uploaded my birth certificate and evidence that this account needs to be removed due to inconsistencies and inaccuracies. How can I have been charged anything extra if I was no longer living in the apartment? If I moved out on the XXXX how am I getting charged on the XXXX? Experian has failed to properly investigate this collection account and solely relays on public data to verify accounts. Public information is NOT always valid and needs PROPER INVESTIGATION which Experian fails to do. Failing to properly investigate inaccurate information is a violation of my consumer rights. Using public information without properly following up on inconsistencies is a violation of my consumer rights. Experian needs to follow through and properly investigate ALL documentation provided by consumer. Stop relying on public information AND DO YOUR JOB. XXXX XXXX XXXX HAVE SENT THIS TO AN ATTORNEY BECAUSE THEY REFUSED TO DELETE AND REMIVE THIS ACCOUNT. Experian has aided in that process but not properly investigating this to have it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The goal here is simply to apply whatever legal pressure is necessary to get Bank of AmericaXXXX XXXX to advise me ( the client/customer ) who has levied a freeze on my XXXX accounts and based on what? It's a simple question and one I believe the account holder/customer has every right to know.It all began on XX/XX/year> when I received an email indicating my Bank of America XXXX Account funds were low? 
I called Bank of America XXXX and was told the {$27000.00} balance was on a freeze/hold. I made some calls and all he could discover is that there is a Legal Order XXXX  XXXX. I called and found the XXXX Account has been deactivated. The XXXX # was no help at all. The Branch Manager tried to call the BofA legal department, they would not cooperate or share any information with him ( the Branch Manager, XXXX ) Since the Bank of America XXXX Account is connected to XXXX XXXXXXXX XXXX XXXX XXXX the Account # XXXX where I have a significant amount of money. This account was also frozen based on the XXXX XXXX XXXX above. Again, the B of A Branch Mgr. tried to get information regarding the reason for the freeze and who filed the Order and what the nature of the action to freeze my account. Again, he got nowhere with Merrill Lynch even though he is a Merrill Lynch Manager. The Legal Department of Bank of America would not give him any information and just told him I will hear something from them via a letter in approximately 5 business days. This is not OK and should be illegal if it isn't. Consumers have rights and I would think one of those rights is for the bank institution to tell a customer when their money is being " stolen '' from them and who is stealing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My personal data and information have been released in multiple data breaches, and this is the second time it has happened this year. I have already filed identity theft reports, but this continues to cause serious financial and personal harm to my life. 

This situation has placed a heavy burden on me and my family. I am recently married, I have a son, and these ongoing breaches are setting me back financially and emotionally. I can not continue to suffer these repeated violations. I am requesting immediate action to protect my identity, stop further damage, and hold the responsible parties accountable. 

I am a victim of identity theft, and I need this matter taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
False statement attempt to collect debt, uploaded debt validation letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX - {$55000.00} - Balance : {$55000.00} UNAUTHORIZED INQUIRIES : XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc.
State: TX

Complaint narrative:
Request for Removal of Unconfirmed Credit Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Date : XX/XX/XXXX Subject : Request for Deletion of Unconfirmed Credit Inquiry To Whom It May Concern, I am writing to request that you review and address the items listed in this letter, which contain data directly from my credit report provided by your agency. 
Unconfirmed Inquiry : American First Credit Union Please delete the unconfirmed inquiry from American First Credit Union. This inquiry lacks certifiable evidence and should be removed unless you can provide physically certified, verifiable proof. This request is made in accordance with the Fair Credit Reporting Act, specifically U.S. Code 15 U.S.C. 1681 et seq., Section 604.

Request for Updated Credit Report Upon completion of my request, please mail me an updated credit report that reflects these changes.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX  XXXX * BALANCE : {$2600.00}, XXXX XXXXXXXX XXXX XXXXXXXX * * BALANCE : {$73000.00}, XXXX XXXXXXXX XXXX XXXXXXXX * * BALANCE : {$0.00}, XXXX XXXX XXXX * * BALNACE {$5600.00}, XXXX XXXX XXXX XXXX XXXX * * * BALANCE : {$3500.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief