vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
i recently reviewed a copy of my credit report and noticed a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-23 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: AR

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CA

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 2025-09-23 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681B AND 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. Please address this matter promptly and confirm the removal of the disputed entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company is violating my rights. They have not provided validation information under XXXX CFR XXXX ( b ) ( XXXX ), yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute of Inaccurate Hard Inquiries on My Credit Report FCRA Violation and Potential Liability Dear Experian : I am writing to formally dispute multiple hard inquiries listed on my Experian credit report that are inaccurate, incomplete, and/or have already been removed by other credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), Sections XXXX ( XXXX U.S.C. XXXX ) and XXXX ( a ) ( XXXX ) ( XXXX U.S.C. XXXX ( a ) ), Experian is legally required to : XXXX. Investigate any disputed information on a consumers credit report. 
XXXX. Correct or delete any information that is inaccurate, incomplete, or unverifiable. 
XXXX. Maintain only accurate information, as reporting false or misleading information can result in legal liability, including statutory damages. 

Hard inquiries need to be delated and proof it that those hard inquiries was mine and signed for me. Prove it and mail me all you have. 

Ally financial XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX svc XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached is evidence demonstrating that these inquiries have already been removed from my XXXX  credit report, including updated credit report copies and correspondence from XXXX. 

I formally request that Experian : XXXX. Conduct an immediate and thorough investigation into these inquiries. 
XXXX. Delete all inaccurate or previously removed inquiries from my Experian credit report. 
XXXX. Provide a corrected credit report reflecting these updates. 

Failure to comply may constitute a violation of federal law under the FCRA, exposing Experian to potential legal liability, including statutory damages, for reporting false information. I also reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies as allowed under federal law. 

Please respond in writing within the XXXX XXXX period. 

Sincerely, XXXX XXXX XXXX XXXX XXXX last XXXX XXXX XXXXXXXX

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Late payment entries on my credit report appear to be inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should be included. I request verification of these entries, and if they can not be confirmed, they should be corrected or 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 non-monetary relief
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am disputing the following accounts on my credit report due to inaccurate and unverifiable information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-23 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:
FCRA Unauthorized Inquiry, Identity Theft, & Non-Compliance Complaint Respondents ( Credit Bureaus ) : TransUnion LLC Experian Equifax Information Services LLC XXXX XXXX XXXX  XXXX. Background : Identity Theft & Data Breach Impact I am a victim of identity theft and multiple data breaches ( Equifax XXXX, XXXX XXXX, Experian XXXX ). My personal identifiers were compromised and misused to open fraudulent accounts and generate unauthorized hard inquiries. 

Despite submitting disputes, an FTC Identity Theft Report and a police case report, the credit bureaus failed to : Update and correct my personal information ( 609 ( a ) ( 1 ), 605B ).

Block fraudulent inquiries and tradelines under 605B.

Provide a lawful Method of Verification ( MOV ) ( 611 ).

Prevent improper reinsertion without certification ( 611 ( a ) ( 5 ) ( B ) ).

2. Issues in Dispute a ) Unauthorized Hard Inquiries Multiple inquiries remain on my report that I did not authorize. These lack permissible purpose under 604 and must be deleted or blocked.

Examples include but are not limited to : Major credit card issuers Banks and credit unions Department stores and private lenders These inquiries were never authorized, nor do I have applications with these creditors.

b ) Identity Theft Accounts Fraudulent tradelines and collection accounts tied to identity theft remain despite my FTC and police identity theft filings. These must be blocked under 605B.

c ) Personal Information Errors The bureaus continue to report outdated addresses, name variations, and other identifiers tied to fraudulent accounts. This is misleading, contributes to a mixed file, and violates 607 ( b ) accuracy requirements.

d ) Non-Compliance with FCRA Timelines I previously requested corrections and blocking of fraudulent items more than 30 days ago. The bureaus failed to respond properly, violating FCRA reinvestigation timelines under 611.

3. FCRA Rights Invoked I am invoking my rights under the following : 604 : Permissible purpose ( inquiries must have legal basis ).

605A : Fraud alerts.

605B : Identity theft blocking.

607 ( b ) : Maximum possible accuracy.

609 ( a ) ( 1 ) - ( 3 ) : Disclosures of source information.

611 : Reinvestigation & Method of Verification ( MOV ).

611 ( a ) ( 5 ) ( B ) : Reinsertion requirements.

623 : Furnisher duty to report accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted BMO twice, and on both occasions, the representative abruptly ended the call without any explanation. It appears that, rather than addressing questions they are unable to answer, the standard response is to simply disconnect the call. My inquiry was straightforward : I wanted to confirm whether I would be eligible for the current checking account promotion if I were to open a new account. For context, I previously held a BMO account over a year ago, which was opened and closed without any activity. 

It seems your customer service representatives are either not equipped to handle this type of inquiry or are unsure of how to proceed and their solution is to hang up. This behavior is unacceptable and reflects poorly on your support operations.

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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I have a PayPal account for 7 years and had started a small savings account with them. I used them to pay for things I bought online regularly. I had $ 5 monthly transferred from my bank account to the PayPal savings account, so my bank account is connected. On XX/XX/year>, I had a notice that {$650.00} was transferred from my bank account to my PayPal account and I knew that I had not made that transaction. It was too late to stop the transfer and I notified my bank immediately. They said the funds were sent already and couldn't be reversed. I checked my PayPal account again after the conversation with the bank and the hacker had put their debit card into my PayPal account and TOOK THE {$650.00} AND MY SAVINGS ACCOUNT OF {$260.00}! They removed their card after stealing my money. I took some screenshot of the different messages from my PayPal account. I filed a dispute on XX/XX/year> with PayPal and didn't get an answer until XX/XX/year> and they DENIED MY CLAIM TO REFUND MY MONEY! Their reason was " it was an authorized transaction! '' No. It was not. It wasn't a transaction, it was THEFT. Meanwhile, while waiting for their decision, I can't pay my bills and have returned items from my bank, late fees, damage to my credit, have to use credit cards for living expenses like groceries, and ran up credit card balances! I am XXXX XXXX XXXX next week, disabled, single, no spouse or partner to help, live in senior subsidized housing for low income, and I live solely on social security benefits! My social security money is what the hacker STOLE FROM ME. Next week, the first of XXXX, I will have next month 's bills due and I need a resolution to this in my favor! PayPal should be responsible for this in my opinion. I couldn't keep an eye on my account 24 hours daily! No one could. They're saying that the hackers email was in my account before XX/XX/year> and yes, I told them I saw it in there and I removed it and put mine back in my account. I had sent them a message earlier in the summer about someone messing with my account. All they did was tell me to change my password, which I did, a couple of times like recommended. I STILL got hacked and it is wrong on their part to not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
After having my account locked and then the bank demanding I verify my identity, which I did successfully, the bank informed me that they were making a " business decision '' to close my account. They then told me that the funds in my account, which were deposited via a check that was cashed and successfully cleared through the system, would not be refunded to me and instead i was to ask the maker of the check to recall the funds to their bank account and pay me in a different manner. This is unreasonable by any stretch of the imagination the check was sitting in my account and cleared for well over XXXX weeks without issue and now they want to tell me I cant have the funds in my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC
State: LA

Complaint narrative:
XXXX XXXX Breach Several credit cards accounts I have no knowledge of opening them. I have submitted a dispute with XXXX. I am under a XXXX XXXX bankruptcy and I cant have any new accounts and I dont want them to dismiss my case

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 2025-09-23 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: MD

Complaint narrative:
i recently reviewed a copy of my credit report a noticed a fraudulent inquiry.

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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Apple Financing LLC
State: TX

Complaint narrative:
I contacted Apple to see why my account was closed. They couldnt provide me a feasible answer the lady just kept saying it is now closed and is restricted and can not be open. She was no help and would not unrestricted my account. My Apple ID XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Finance Direct LLC.
State: MI

Complaint narrative:
b'On XXXX XXXX XXXX i submitted a dispute requesting validation and ownership of debt, on XXXX XXXX XXXX i received correspondence that included a copy of contract from the original debtor not including payments previously made and a letter from collector only stating a reference number, contact info and a payment coupon with no amount stated. I try reaching collector on XXXX and XXXX XXXX XXXX via phone at XXXX XXXX  extension XXXX also email manager, XXXX XXXX at XXXX\ntoday XXXX XXXX XXXX Ive try reaching them again at XXXX\nI obtained contact email from companys response on previous complaint made on XXXX where it stated resending validation debt but has fail to do so. It has been impossible to reach collector \nI ask that this is deleted from my credit records as you there has been many violations of the fair debt collection practices act.\nFailed to provide proper debit validation with in the 30 day period, failed to provide correct amounts, ownership of debt and failed to inform of consumers right to dispute collection.\nOriginal collection cut complete communication, discontinue treatment and suggested to seek treatment elsewhere, making them liable of contract breach.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: NY

Complaint narrative:
XX/XX/year> somebody deposited an fraud check into my account stating it was form of payment from a online job I conducted I never was aware of any fraudulent activity, the person name was XXXX

Company response to consumer: Closed with explanation