vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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:
CFPB Complaint Unauthorized Inquiries & Fraudulent Accounts Date : XX/XX/XXXX Consumer : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX To : Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX I am filing this complaint regarding multiple unauthorized hard inquiries and fraudulent charge-off accounts that continue to appear on my credit reports. These entries were not authorized or opened by me and are damaging my credit profile. 

Despite prior disputes submitted directly to the credit bureaus, no corrective action has been taken. I now request CFPB assistance in removing these inaccurate entries from my credit files under the Fair Credit Reporting Act ( FCRA ). 

Unauthorized Hard Inquiries ( Not Authorized by Me ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not initiated or approved by me. I request that they be deleted immediately from my credit file. 

Fraudulent Charge-Off Accounts : XXXXXXXX XXXX XXXX XXXX Account ending in XXXX Balance : {$2200.00} Opened : XX/XX/XXXX Status : Charged Off This is a joint account that was never authorized or opened by me. It is inaccurately reported and should be removed. 
XXXX of XXXX ( Credit Card ) Account ending in XXXX Balance : {$2000.00} Opened : XX/XX/XXXX Status : Charged Off I did not authorize or open this account. It is fraudulent and must be removed from my credit reports. 

These accounts are the result of identity theft or reporting error. I have already sent written disputes with no resolution. As required under FCRA 15 U.S.C. XXXX ( a ), these items must be verified or deleted within XXXX days. 

I request your assistance to have these inaccurate items removed from my Equifax, TransUnion, and Experian reports. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by Transunion on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR XXXX ( D ( XXXX ), yet they have proceeded to place : XXXX XXXX XXXX XXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. XXXX. Transunion has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Equifax is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXXXXXX XXXX XXXX XXXX on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Transunion breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that Transunion remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, 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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft, someone used my information to obtain goods without my knowledge or consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
I am a victim of identity theft, someone used my information to obtain goods without my knowledge or consent

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 2025-08-03 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: TN

Complaint narrative:
I am filing this complaint against TransUnion for reporting an unverified collection account from XXXX ( Account ending in XXXX ). I have never signed a contract with this company, never authorized them to report this account, and I do not recognize this debt. 

TransUnion has not provided any validation or documentation. Reporting this without my consent or verification violates FCRA 609 ( a ) ( 1 ), 607 ( b ), 611 ( a ) and also contradicts consumer protections under TILA and FDCPA.

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 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: AR

Complaint narrative:
I have over {$9000.00} invested in XXXX on the Robinhood site. I was locked out last week and have since sent 3 emails. They advised me to change my password. I did and the app sends me back and forth between my " devices '' where it asks me over and over to enter my password, but there is never any access. I did advise Robinhood that I have contacted my attorney and am waiting on a reply from my last e mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Hi I am XXXX XXXX I was not able to find a chime account located without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: AZ

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Credit Reporting XXXX Dear GM FINANCIAL XXXX am writing to formally dispute the accuracy of the information that you have reported regarding my credit file, as referenced under 15 U.S.C. 1681. I have not provided written consent for you or any associated entities to furnish or obtain my personal information.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or without authorization. I request a thorough investigation into this matter and ask that you provide me with documentation showing how you obtained my information and your legitimate basis for reporting it.

Please confirm the specifics of my consent regarding this matter and any relevant records you may have. I appreciate your prompt attention to this issue and expect your response within 30 days, as mandated by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXXday timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-03 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:
I did not open up this chase XXXX account for {$410.00}. Remove immediately. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
Upon reviewing my credit report I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute the hard inquiries and requested their removal. unfortunately, the credit bureau refused to remove them off of my report. this issue is causing under stress and is negatively affecting my financial standings.

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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On or about XX/XX/year>, I charged a hotel room to my American Express card. The charge was an error. I spoke to the hotel and they understood and agreed to refund it and we are pending a response from the 3rd party but I have it in writing that the hotel is refunding me. The amount is {$470.00}. American Express knows the situation and wont dispute it on my behalf or credit the {$470.00} to my card even though I have written confirmation from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I am writing to formally request the immediate deletion and blocking of all accounts associated with my personal information as a result of a recent identity theft and/or data breach that has compromised my sensitive personal data. This request is made pursuant to 15 U.S. Code 1681c-2 ( a ), which provides protections for individuals who are victims of identity theft.

As someone who has been directly affected, I am deeply concerned about the misuse of my personally identifiable information. I did not authorize these accounts, and I believe they are fraudulent. I am requesting that they be permanently removed and blocked from my credit report. 

Fraudulent Accounts to Be Blocked : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX  Balance : {$0.00} ( Charged off : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} ( Charged off : {$6100.00} ) XXXX XXXX XXXX Balance : {$0.00} ( Charged off : {$33000.00}, Paid/Closed ) XXXX XXXX : {$68000.00} XXXX XXXX Balance : {$630000.00} XXXX request that Experian XXXX these items from appearing in my credit file, cease reporting them to any third parties, and send me written confirmation when this request has been fulfilled. I further request that you notify all data furnishers that these accounts were the result of identity theft and that I am not responsible for any alleged debts. 
Thank you for your immediate attention to this serious matter. Your cooperation in helping protect the integrity of my credit and personal information is greatly appreciated. 
Sincerely,

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 2025-08-03 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon checking my credit report I noticed that XXXX is inaccurately reporting the amount owed and the date the account was opened. Transunion and XXXX  both says the account was opened XX/XX/XXXX ( XXXX  months ) and the highest balance held is {$580.00} while XXXX says it was opened XX/XX/XXXX ( XXXX year, XXXX months ) and the highest balance held is {$800.00}. Also, they are both under XXXX different collection agency names. Transunion and XXXX accounts are under XXXX XXXX XXXX XXXX while the XXXX  account is under diversified adjustment this is very damaging to my account and also very illegal. I would like for these accounts to be deleted from my reports immediately!

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 2025-08-03 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I filled dispute on my credit report for fraudulent transactions and identity theft and did not get any response helping my situations. I was XXXX XXXX XXXX  during these alleged transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: HI

Complaint narrative:
In XX/XX/XXXX, a mortgage loan was originated for {>= $1,000,000}. 
On XX/XX/XXXX, an assignment was recorded ( Document No. XXXX ) transferring the mortgage to the company as trustee for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
However, this assignment occurred after the trust 's closing date of XX/XX/XXXX, violating the Pooling and Servicing Agreement ( PSA ) rules, making it invalid as confirmed by an audit report describing it as an " impossible transfer '' and " void on its face. '' The mortgage also includes unnotarized riders, violating HRS 502-41 and rendering key terms unenforceable. 
On XX/XX/XXXX, the Loan Schedule for the XXXX XXXX XXXX  was requested to verify if the loan was properly included, but the company promised to provide it and has not done so to date, suggesting concealment. 
A XXXX report dated XX/XX/XXXX, indicates no enforceable lien.

These actions led to a wrongful foreclosure process initiated over two years ago, ongoing eviction threats, and severe emotional distress.

The company has not responded to requests or corrected the issues.

I request investigation and restitution for the damages caused.

ATTACHMENTS 1. Exhibit A : Audit report detailing " impossible transfer '' ( core fraud evidence ). 
2. Exhibit B : PSA closing date ( proves post-closing violation ).

3. Exhibit C : My Request Letter For Loan Schedule 4. Exhibit D : XXXXXXXX XXXX  promise to provide the Schedule ( shows concealment ). 
5. Exhibit E : XXXX report showing no lien ( new evidence ).

6. Exhibit F : Medical letters for distress ( harm from wrongful foreclosure ).

7. Exhibit G : Mortgage pp. 21, 27, 30, 34 : Unnotarized riders ( HRS 502-41 violation ).

Company response to consumer: Closed with explanation