vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
I am submitting a complaint because multiple fraudulent accounts and unauthorized hard inquiries were added to my credit reports with Experian, Equifax, and TransUnion. I am a confirmed victim of identity theft. I already filed an FTC Identity Theft Report, and the official report number is XXXX. 

The fraudulent accounts were opened without my knowledge or consent, and several companies reported activity in locations where I have never lived. These accounts do not belong to me and were created using my stolen personal information. 

Despite not authorizing any of these accounts or inquiries, they continue to appear on my credit reports and are damaging my credit standing. Under federal law, specifically FCRA Sections 605B and 611, credit bureaus are required to block and remove fraudulent information once an FTC Identity Theft Report is provided. 

I have already taken action by gathering evidence that confirms my true identity and address, including W-2 documents from XXXX and bank statements. These documents clearly show that I did not live in the locations connected to the fraudulent accounts. 

I am requesting that all companies involved stop reporting fraudulent information and that all identity-theft-related accounts and inquiries be blocked, deleted, and permanently removed from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
I am submitting a complaint because multiple fraudulent accounts and unauthorized hard inquiries were added to my credit reports with Experian, Equifax, and TransUnion. I am a confirmed victim of identity theft. I already filed an FTC Identity Theft Report, and the official report number is XXXX. 

The fraudulent accounts were opened without my knowledge or consent, and several companies reported activity in locations where I have never lived. These accounts do not belong to me and were created using my stolen personal information. 

Despite not authorizing any of these accounts or inquiries, they continue to appear on my credit reports and are damaging my credit standing. Under federal law, specifically FCRA Sections 605B and 611, credit bureaus are required to block and remove fraudulent information once an FTC Identity Theft Report is provided. 

I have already taken action by gathering evidence that confirms my true identity and address, including W-2 documents from XXXX and bank statements. These documents clearly show that I did not live in the locations connected to the fraudulent accounts. 

I am requesting that all companies involved stop reporting fraudulent information and that all identity-theft-related accounts and inquiries be blocked, deleted, and permanently removed from all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX XXXX  and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Card was used to make a fraudulent purchase to my address and then the package was stolen. Creditor refuses to refund ne

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX XXXX and XXXXXXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: WA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Heres the item Im asking you to verify accurate. 

XXXX XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SEVERAL INQUIRIES ON MY CREDIT REPORTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The Fair Credit Reporting Act, under 15 USC 1681 Section 602, mandates that consumer reporting agencies and information furnishers must carry out their significant duties with equity, neutrality, and full regard for consumer privacy. As a consumer, I am entitled to ensure that my personal information remains confidential, a right further supported by 15 USC 6801, which obligates financial institutions including XXXX XXXX, as the furnisher of this information to maintain, honor, and protect the confidentiality of their customers personal data. 

Under 15 USC1681 Section 604 ( a ) ( 2 ), consumer reporting agencies such as XXXX  may only release consumer reports with the express written authorization of the consumer. I have not granted such authorization. Any form of consent previously given to XXXX  or XXXX XXXX, whether expressed or implied, is hereby withdrawn. 

Furthermore, under 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from sharing private consumer information with third parties without notifying the consumer of their right to prevent such disclosure. I was never informed of this right regarding the reporting of my XXXX account. 

The account furnished by XXXX XXXX, contains derogatory payment history, including XXXX and XXXX late payments reported for XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. These items have been furnished and shared without proper consumer authorization, and their repeated appearance raises concerns under 15 USC 1681e, which requires reasonable procedures to ensure maximum possible accuracy, as well as 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishers from providing information they know or reasonably should know is inaccurate. 

Additionally, 15 USC1681c ( a ) ( 5 ) prohibits the reporting of outdated negative information older than XXXX years unless expressly permitted by law. The negative reporting furnished by XXXX XXXX  is being shared without proper authorization and without adherence to required procedural safeguards. 

As provided under 12 CFR 1016.7, consumers hold a perpetual right to opt out of the disclosure of their nonpublic personal information. I am now exercising that right with respect to XXXX XXXX, and XXXX. Therefore, I formally revoke any implied, verbal, or written authorization to report, share, or furnish any of my personal or financial information. 

Given the violations and statutory protections outlined above, I request an immediate reinvestigation and removal of the XXXX XXXX  account information, as its reporting is non-compliant with federal law, was disclosed without proper consumer authorization, and contains inaccuracies and procedural deficiencies. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I reviewed my credit report and found information being reported that I believe is inaccurate, incomplete, or can not be verified under the Fair Credit Reporting Act. I contacted the credit reporting agency and the furnisher to request verification and documentation for the accounts being reported. However, the company did not provide any original signed contracts, account-level documentation, or evidence proving the accuracy or ownership of the information. 

Despite my disputes, the items continue to be reported without proper investigation or validation. The company failed to provide the required level of detail, did not confirm the accuracy of the information, and did not demonstrate compliance with the FCRAs verification and reinvestigation requirements. 

Because the furnisher has not provided documentation to support the reporting, and the credit bureau has continued to report the information without proper verification, I believe the information is unverifiable and inaccurately maintained in my file. 

I am filing this complaint because I have followed the dispute process and the companies involved have failed to conduct a proper investigation, failed to provide proof, and failed to correct or remove the disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
Violations of Federal Law : Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) & Verification Requirements : 15 U.S.C. 1681i ( 7 ).

I am a XXXX  Vet and writing to file a complaint against Equifax Inc for repeatedly violating the Fair Credit Reporting Act ( FCRA ) by reinserting deleted accounts onto my credit report without proper verification. As a Texas consumer, I have disputed multiple credit card accounts that Equifax Inc removed from my report due to their inability to verify the accuracy of the information. However, XXXX  has repeatedly reinserted these same accounts after deletion, despite the fact that they were originally removed because the creditors could not provide proof of accuracy. These accounts are : 1. XXXX  XXXX XXXX : Account # XXXX : Balance : {$2000.00} : Fraud Established : XX/XX/XXXX 2. XXXX XXXX : Account # XXXX : Balance : {$2600.00} : Fraud Open Date : XX/XX/XXXX 3. XXXX XXXX : Account # XXXX : Balance : {$5000.00} : Fraud Open Date : XX/XX/XXXX 4. XXXX : Account # XXXX : Balance : $ : Fraud Open Date : XX/XX/XXXX Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ), Equifax Inc is prohibited from reinserting deleted information into my credit file unless the furnisher of the information certifies that the information is complete and accurate. Equifax Inc has failed to provide me with any evidence that these disputed accounts have been re-verified or that any new documentation has been obtained to substantiate their accuracy. This pattern of deletion and reinsertion appears to be a violation of my rights under the FCRA and causes ongoing harm to my creditworthiness and financial reputation. I am requesting that the CFPB investigate Equifax Inc 's practices and require them to permanently remove these unverified accounts from my credit report. I also request that Equifax Inc be prohibited from reinserting any disputed information that was previously deleted for lack of verification unless they can provide documented proof of accuracy. This repeated violation of federal law has caused me significant stress and has damaged my ability to obtain credit on favorable terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TX

Complaint narrative:
I recently received several notices regarding credit denial letters for a auto loan that I never applied for. Upon reviewing my consumer reports I noticed several inaccuracies and unauthorized inquiries with no permissible cause. INQUIRIES : XX/XX/XXXX 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, {$1600.00} XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX {$290.00} Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX  XXXX ( Acct ending XXXX ; Credit Limit {$300.00} ; Amount Past Due {$66.00} XXXX XXXX shown as Late XXXX  Days ) : - I dispute the accuracy and completeness of late-payment reporting, timing, and balance figures. Verify with original source records ( contract, statements, full payment history ). Delete if unverifiable. XXXX XXXX XXXX / XXXX ( Collection ; Acct XXXX ; Balance {$1600.00} ; Date Opened XX/XX/XXXX ) : - I dispute the entire collection for lack of complete validation and chain of assignment/authority to collect. Provide itemization, original creditor agreement, and notice of assignment, or delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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:
I recently received several notices regarding credit denial letters for a auto loan that I never applied for. Upon reviewing my consumer reports I noticed several inaccuracies and unauthorized inquiries with no permissible cause. INQUIRIES : XX/XX/XXXX 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, {$1600.00} XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX {$290.00} Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX  XXXX ( Acct ending XXXX ; Credit Limit {$300.00} ; Amount Past Due {$66.00} XXXX XXXX shown as Late XXXX  Days ) : - I dispute the accuracy and completeness of late-payment reporting, timing, and balance figures. Verify with original source records ( contract, statements, full payment history ). Delete if unverifiable. XXXX XXXX XXXX / XXXX ( Collection ; Acct XXXX ; Balance {$1600.00} ; Date Opened XX/XX/XXXX ) : - I dispute the entire collection for lack of complete validation and chain of assignment/authority to collect. Provide itemization, original creditor agreement, and notice of assignment, or delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I disputed charges made for {$5000.00} and {$6000.00} on XXXX XXXX. Claimed was denied today even though I told them that I did not authorize transactions in question. When I filed claim I told agent that I did not give permission for anyone to use my account at hard rock for my money to be taken and that somehow either my debit card information was stolen or leaked somehow for this transactions to occur. Chime has never been a help at protecting me as a customer even though they assured that I would be ok and receive my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX opened a credit card in my name without my informed authorization, and Barclays approved the account without clear, affirmative consent. During the course of a XXXX XXXX presentation they asked for my ID and my wife 's ID and said that they needed to run a credit check. Shortly thereafter we received an email notifying us that we had been approved. We questioned this and the sales people said it was a standard process and then they processed a deposit of {$3600.00} on that card. They used the wrong address so we had to call Barclay 's update the address and ask for a replacement card so that we could then dispute the charge and cancel the card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NV

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! 


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 INQUIRIES : XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  XXXX - XX/XX/year>

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