vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, Capital One Auto Fin via Dealer placed a hard inquiry on my XXXX, XXXX, and XXXX XXXX reports as part of a shotgun pull initiated by XXXX XXXX ( XXXX XXXX ). XXXX XXXX submitted my auto loan application to multiple lenders without my direct authorization for each inquiry. I did not provide individual consent for Capital One XXXX XXXX to access my credit file. 

I am requesting that this unauthorized inquiry be removed under the Fair Credit Reporting Act ( FCRA ). I am also contacting Capital One Auto directly and have submitted disputes to the credit bureaus. 

Please also note that I legally changed my name to XXXX so some records may appear under XXXX, XXXX XXXX, or XXXX XXXX XXXX depending on the institution. I am in the process of aligning my records across all systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Experian refuses to allow me access to my credit report and score, and also to dispute accounts posted on my credit report through Experian. 

I tried multiple times to sign into my Experian account but when it was time to receive the verification code via text, it does not go through in order for me to move forward with signing in. 

Experian is not XXXX  accredited. 
Link : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MD

Complaint narrative:
They still haven't fully answered my question on why did cash app offer me a better return then Chime did? I contacted their partner XXXX who said this guarantee of matching the return to other services is only by Chime themselves -- -so what the heck?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-21 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Was laid off due to XXXX and wife had XXXX also had my credit compromised XXXX removed it XXXX removed it having issues with XXXX doing so as I do not recognize collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-21 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: TX

Complaint narrative:
Experian requires that I call go dispute hard inquiries but everything I have called I have been kept on hold for hours with no possible way to interact with a live person. This has been the case for months now.

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 2025-03-22 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX and the collections agency XXXX Asset Solutions regarding a billing error that has negatively impacted my credit report. 

Prior to switching mobile carriers, I needed to unlock my phone. XXXX required me to pay the remaining balance of {$430.00} on the device in order to receive the unlock code. I complied with this request, paid the full amount, and XXXX proceeded to unlock the phone, providing the necessary passcodes. This clearly indicates that the balance was paid in full and the account was settled. 

I am now requesting access to Comcasts records from the date of that transaction, including : Payment confirmation Customer service notes Call/chat logs ( specifically the recorded voice calls they routinely collect ) Despite settling the account in full, XXXX later engaged XXXX Asset Solutions to collect on the same debt and reported it to the credit bureaus. This dropped my credit score by over 40 points. I was never contacted by XXXX or XXXX Asset Solutions prior to this action despite the fact that I am still an active XXXX internet customer, and they have my updated contact information. 

The phone number associated with the original mobile account was XXXX. My current contact number is XXXX. 

I respectfully request the following : A full investigation into this error Immediate removal of the derogatory mark from my credit report Full access to all account records and call recordings for transparency Written confirmation that my account was settled in full at the time of the unlock This is a clear case of miscommunication or mismanagement that has caused unnecessary and unjustified harm to my credit profile. I would like this matter resolved fairly and quickly. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please review the attached documentation. 

XXXX reported me as delinquent on my payments but failed to notify me of this. They claim to have several attempts, but I have documentation from XXXX XXXX and XXXX without any evidence of phone or mail attempts. This has negatively impacted my credit report. I am trying to purchase my first home and need this removed from the credit report.

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 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/year>, I was notified that my account with paypal credit had been sent to collections by synchrony bank. The debt amount is {$830.00}. 

I contacted the original creditor and collection agency. On XX/XX/year>, I reached out to synchrony Bank to address this issue, but they did not provide validation of the debt and refused a payment arrangements. 

Thank you.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
This account should have been removed as it was included in bankruptcy. The creditors continues to update account on credit report as well as add missed payments

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have never had any contract or agreement with hunter Warfield. This company is reporting an open collection account on my rental history report. This company also continues to call me all times of the day and night harassing my even though I dont know them nor do I have any affiliation or contact with them. I asked them to send me an assignment contract and they have failed to do so. I have filed a dispute and had this taken off my personal credit report for this very reason. This is a violation of FCRA regulations and should also be taken off my rental history report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had an Auto Loan with JP Morgan Bank-Auto . I was never late on a payment with them for the 36 month lease. I turned the car in to the dealer and got a bill in the mail a month later regarding overage on miles ( which I knew ) for ~ $ XXXX. Then I got a bill for damages ~ $ XXXX. I called in to dispute the damages as there wasn't anything close to that amount, more like some minor things that could be easily fixed ( in my opinion ). I asked them to # 1 if they can send me pictures of the damages and # 2 if those damages were actually fixed. They said they would MAIL me the pictures, but didn't need to disclose if the damages were actually fixed. I waited 2-4 weeks for the pictures to come and nothing. I called them back again to inform them I haven't received any pictures. They pulled my info and again said they would MAIL the pictures. Another 2-4 weeks go by, and I call them again. This time on the phone they said they couldn't see any damages for ~ $ XXXX so they reduced my bill. I said great thanks, but please send me the pictures of the damages you do have documented. I asked them this time to EMAIL the pictures because it would be quicker and could verify while they were on the phone that I received them + I have already called in multiple times and they said they would MAIL them, but the pictures never showed up. 
They said they can't email, but would mail them. Another 2-4 weeks go by and I call them again. Same scenario. I tell them that this better not effect my credit because I've tried to get this paid for 2-3 months. I finally get the pictures, although horrible quality, reluctantly pay the bill. Then I get a credit notice that my credit went from over XXXX to around XXXX. This has already impacted me getting a small business loan and a mortgage for my home. I have never asked them for compensation, rather reverse their fraudulent reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-21 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: TX

Complaint narrative:
_On XX/XX/XXXX I summited a Request to extended fraud alert form to Experian with the proof of identity they required, which was a photocopy of the driver 's license ID and a proof of address which was an up-to-date statement from an account I own in a financial services platform. In addition, I have also handed the evidence of an Identity theft report that happened in the past to support my concern, such as the document provided by the Federal Trade Commission and the letters of account closure by fraud from the bank that issued the fraudulent credit card in the past. All of these were submitted online through the link suggested in the form : experian.com/upload. 

_So far, I have not gotten my request to extend the fraud alert answered. Instead, an internal dispute report number was generated along with Experian 's credit report, stating that the item on the FTC report has already been deleted. 

_Not only my request to extend the fraud alert has not been answered, but the credit report that was handed to me on XX/XX/XXXX has a new Item I do not recognize ; a XXXX XXXX XXXX soft inquiry made on XX/XX/XXXX. This soft inquiry has not appeared earlier in my credit reports, and I did not solicit it myself. I have tried to open a new dispute about this item, but Experian suggests disputing directly with this store. This store is not even open in my area or anywhere near me ; As a matter of fact, It seems this store went out of business nationally. Experian also suggests that soft inquiries do not affect the credit score, but I am worried about whatever could have come out of it since I did not solicit any product with this store. Too many phone numbers appear to call and try to resolve this issue, which I don't consider reliable, traceable, or safe. 

XXXX XXXX XXXX XXXX item, or any item from this store, needs to be further investigated and deleted from my report. And Experian needs to answer my extended fraud alert request.

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 2025-03-21 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, AL XXXX ( XXXX ) XXXX XXXX XX/XX/2025 Experian Subject : Formal Dispute of Inaccurate Personal Information under the Fair Credit Reporting Act ( FCRA ) Experian, I am writing to formally dispute the inaccurate personal information that appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any incorrect or unverifiable information, and you are required by law to conduct a reasonable investigation and correct or remove any inaccurate or unverified data. 
Inaccurate Information on My Credit Report 1. Incorrect Address : I have noticed an incorrect address listed on my credit file. This address is not associated with me, and I request its immediate removal : Incorrect Address to Be Removed : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Correct Address to Be Added : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect Employers : Additionally, my credit report lists incorrect employment information. Under the FCRA ( 15 U.S.C. 1681c ), credit bureaus are required to ensure the accuracy of consumer reports. The following employers should be removed as they are incorrect and not associated with me : Incorrect Employers to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I request that all employer information be removed from my credit report, as employment history is not required for credit reporting purposes. 
Legal Basis for My Request Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), credit bureaus must investigate disputed information within 30 days and remove or correct any inaccurate, incomplete, or unverifiable information. Failing to do so is a violation of federal law.

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in consumer reports. Allowing false personal data to remain on my file is a direct violation of this provision.

Requested Action I request that you : Remove all incorrect addresses and employers listed above.

Update my credit file with my correct address. 
Provide written confirmation that these corrections have been made. 
I have attached copies of my government-issued ID and a recent utility bill as proof of my correct address. If these errors are not corrected within the legally required 30-day period, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please confirm the corrections in writing at your earliest convenience. If you need additional information, you may contact me at the details above.

Thank you for your prompt 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