vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
Re : Dispute of Inaccurate Credit Reporting under FCRA 15 U.S.C. 1681s, I am writing to formally dispute inaccurate information listed on my credit report under the Fair Credit Reporting Act ( FCRA ). I have identified the following account that contains incorrect data : Creditor Name : [ exeter ] XXXX XXXX XXXX Disputed Information : This account is reported as unpaid/past due, but it has been fully paid as of [ XX/XX/year> ]. 

Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information. Furthermore, under 15 U.S.C. 1681s-2 ( b ), once a dispute is filed, the furnisher must conduct a reasonable investigation and correct any inaccuracies. 

I am including documentation that proves the account was paid in full ( see enclosed [ e.g., payment confirmation, receipt, or letter from creditor ] ). 

I request that this item be investigated, corrected, and that an updated copy of my credit report be sent to me once the changes are made. Please also provide a description of the procedure used to determine the accuracy of the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
In XX/XX/year>, I submitted a formal dispute to XXXX  via Certified Mail ( Tracking # XXXX ). The letter included disputes regarding collection accounts being reported by XXXX XXXX XXXX and other furnishers. Along with the dispute, I included all required documentation : a notarized affidavit of identity, photo ID, Social Security card, and a utility bill to confirm my identity and address. 

XXXX  acknowledged receipt, yet failed to comply with the Fair Credit Reporting Act ( FCRA ). Rather than providing documented verification of the account ( s ) from the original creditoras required by FCRA 1681i ( a ) ( 1 ), 1681i ( a ) ( 2 ) ( B ), and 1681i ( a ) ( 5 ) XXXX  responded with a vague confirmation that the furnishers verified the information, without supplying any supporting documentation. 

Additionally, the data furnisher ( XXXX XXXX XXXX ) directed me to a login portal that showed a balance but explicitly stated No Supporting Documents. No contract, billing history, or legally sufficient proof was provided. According to the FCRA, digital references or internal logs are not valid verification. 

As of XX/XX/year>, XXXX  was confirmed to have received my dispute via certified mail and failed to provide a legally compliant response within the XXXX reinvestigation window. This delay and failure to supply evidence violates multiple sections of the FCRA and undermines my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
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 2025-05-07 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: IL

Complaint narrative:
I recently received my updated credit report for the month of XXXX, and I have noticed that the negative fraudulent accounts that do not belong to me have reappeared. I have not authorized any one to pull or place anything on my credit report. The credit bureau has done nothing but respond with automated system messages and have not supplied me with any of the requested information validating that these accounts belong to me. 

These credit card accounts do not belong to me and should be blocked from my report and not reinstated for any reason : XXXX ( XX/XX/XXXX ) - Acct # XXXX - {$4900.00} XXXX ( XX/XX/XXXX ) - Acct # XXXX - {$2000.00} XXXX ( XX/XX/XXXX ) - Acct # - {$2000.00} XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ) - Acct # XXXX  - {$7000.00} - XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) - Acct # XXXX  - {$19000.00} The following inquiries do not belong to me either : XXXX XXXX XXXX XXXX The following collection account is not mine either. It needs to be deleted immediately as I have not given any permission for this to be furnished on my credit report nor do I know what or who it is. 

XXXX XXXX XXXX ( XX/XX/XXXX ) - Acct # XXXX - {$7000.00} Lastly the middle name " XXXX  '' should not be on my report as it does not belong to me, and the employment of XXXX  is not mine. Please delete both of these as well. 


I was a victim of identity theft due to an XXXX  and Transunion data breach as well as a XXXX one. This led to accounts being opened that did not belong to me which is why they have been constantly disputed. I have attached my identity theft report, drivers license, and scc. I also have attached my lease for proof of address.

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 2025-05-06 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX RE : Formal Complaint Unauthorized Hard Inquiries on My Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo Whom It May Concern, This letter is a formal complaint regarding unauthorized and unverified hard inquiries that have appeared on my credit reports from XXXX XXXX XXXX XXXX These inquiries were not authorized by me, and I never applied for credit with many of these entities, nor did I provide consent for them to access my credit file.Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), no entity may access a consumers credit report without a valid permissible purpose and express authorization. The presence of these inquiries without supporting authorization documentation is a clear violation of federal consumer protection laws. Despite attempts to address this directly with the credit reporting agencies, the inquiries remain and continue to negatively affect my credit profile.Unauthorized Hard Inquiries ( Sample Full List Attached ) XX/XX/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 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 XXXXLegal Grounds and Supporting Case LawPer FCRA 604 , credit inquiries are only lawful with consumer authorization and a legitimate purpose. I was never presented with any disclosure or application related to many of these creditors. Therefore, these inquiries were made unlawfully.Case Law References : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) bureaus must remove unverified data.Middleton v. Equifax, XXXX XXXX XXXX. XXXX XXXX failure to remove unverifiable inquiries creates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) accessing a consumer report without consent violates FCRA.Requested ActionI respectfully request that the CFPB investigate this matter and : Require documentation from each credit bureau verifying that each listed inquiry was properly authorized.Direct the removal of all inquiries that lack proper signed authorization or permissible purpose.Provide a full written response and resolution from each credit reporting agency involved.Thank you for your attention to this matter. I appreciate your assistance in enforcing federal consumer protections on my behalf.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX RE : Formal Complaint Unauthorized Hard Inquiries on My Credit Reports ( XXXX XXXX XXXX XXXX XXXX  ) To Whom It May Concern, This letter is a formal complaint regarding unauthorized and unverified hard inquiries that have appeared on my credit reports from XXXX XXXX and XXXX. These inquiries were not authorized by me, and I never applied for credit with many of these entities, nor did I provide consent for them to access my credit file.Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ), no entity may access a consumers credit report without a valid permissible purpose and express authorization. The presence of these inquiries without supporting authorization documentation is a clear violation of federal consumer protection laws. Despite attempts to address this directly with the credit reporting agencies, the inquiries remain and continue to negatively affect my credit profile.Unauthorized Hard Inquiries ( Sample Full List Attached ) XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( multiple entries ) 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 XXXXLegal Grounds and Supporting Case LawPer FCRA XXXX , credit inquiries are only lawful with consumer authorization and a legitimate purpose. I was never presented with any disclosure or application related to many of these creditors. Therefore, these inquiries were made unlawfully.Case Law References : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) bureaus must remove unverified data.XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX failure to remove unverifiable inquiries creates XXXX XXXX XXXX Bank, XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) accessing a consumer report without consent violates FCRA.Requested ActionI respectfully request that the CFPB investigate this matter and : Require documentation from each credit bureau verifying that each listed inquiry was properly authorized.Direct the removal of all inquiries that lack proper signed authorization or permissible purpose.Provide a full written response and resolution from each credit reporting agency involved.Thank you for your attention to this matter. I appreciate your assistance in enforcing federal consumer protections on my behalf.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
My credit report contains incorrect personal information, and its directly affecting my ability to get approved for credit. This has been extremely frustrating and unfair, as these inaccuracies are creating unnecessary obstacles in my financial life.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I received XXXX mail pieces in my home mailbox : XXXX was a Credit Score Disclosure from Truist, the second was a new credit card from Truist. I immediately called Truist because I did not request or authorize this account to be opened in my name. Truist never alerted me or tried to verify this request was legit. I spoke with XXXX XXXX who assured me she had canceled the card and blocked it. She opened a fraud/identity theft referral and gave me the case number of XXXX. XXXX weeks later, XX/XX/XXXX, I received another letter from Truist dated XX/XX/XXXX stating " Good news, We received your request for a balance transfer to your Truist credit card. As you requested, we have paid XXXX XXXX XXXX XXXX in the amount of {$3000.00} on XX/XX/XXXX and adjusted your Truist credit card account balance accordingly. '' I immediately called again and the lady told me she could see the notes in my file from my previous call and my request to cancel the account. However, immediately after the card was blocked, ANOTHER CARD WAS RE-ISSUED! She had no explanation as to WHY the second card was issued. I have never had a Truist account of any type, nor have I ever requested one. Neither could she give me any type of guarantee this would not happen again. All she did was read what I can only describe as a script, and in closing, she thanked me for banking with Truist ... WHICH I HAVE NEVER DONE.

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 2025-05-06 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:
This CFPB complaint is submitted pursuant to FCRA Section XXXXB ( 15 U.S.C. XXXX ) to request that TransUnion promptly block the following fraudulent and unauthorized accounts from my consumer credit report within XXXX business days of receiving this complaint. Additionally, under FCRA Section XXXX ( 15 U.S.C. XXXXi ), I formally dispute the accuracy and completeness of these accounts and demand a full reinvestigation as required by law. 

The fraudulent accounts currently reported on my credit file include : A credit account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$690.00} A collection account with XXXX XXXX XXXX  opened on XX/XX/XXXX, with a balance of {$210.00} Under FCRA Section XXXX, I demand that TransUnion provide me with complete reinvestigation details, including the specific method of verification used for each account and physical proof showing how these accounts were verified as accurate. Without such evidence, these entries constitute prima facie evidence of fraudulent 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 non-monetary relief
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
On XX/XX/XXXX, I discovered that someone has been using my name to open vehicle financing accounts without my permission. These accounts are not mine, and I never authorized them. This is a clear case of identity theft. The following accounts appear to have been fraudulently opened and need to be reviewed and addressed as soon as possible XXXX XXXX XXXX -Installment Auto Loan - Opened in XXXX, XXXXXXXX XXXX XXXX XXXX - Installment Auto Loan - Opened in XXXX, XXXX XXXX XXXX - Installment Auto Loan - Opened in XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Installment - Opened in XXXX, XXXX and the following inquiries were also never authorized by me and are fraud as well : XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX OF XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX 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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I do not have any knowledge of this account. This account does not belong to me. This account contains inaccurate or missing information. Due to the FTC and CFPB, by law, the account must be remove at once from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NV

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-06 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-07 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XX/XX/year>2021 {$1400.00} Credit Collection Services I saw this pop up on my XXXX XXXX out of no where. I called them to see what this was, they said I never paid something that I never had anything to do with. I tried claiming fraud, but they never did anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief