vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: TN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>. This CFPB complaint has been filed to request under FCRA 605B, 15 U.S.C. 1681C-2 that you, the TransUnion, Experian, Equifax reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XXXX XXXX, and XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer 's FICO credit report, maintained by you, which shows the aforementioned fraudulent items I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 
The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result identity theft and fraud.

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 2025-06-08 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: TN

Complaint narrative:
reviewed my credit report and discovered multiple hard inquiries that I did not authorize. These inquiries were made by companies I have never applied for credit with, and I did not give written or verbal consent for them to access my credit file. I believe these inquiries were either made in error, without my permission, or possibly as a result of fraudulent activity. 

I contacted the companies listed and/or the credit bureaus to dispute the inquiries and requested verification that I had authorized them. However, I have not received proper documentation proving my consent. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries must be authorized by the consumer, and failure to obtain proper consent violates my rights.

These unauthorized inquiries are negatively impacting my credit score and my ability to obtain credit. I am requesting that these inquiries be fully investigated and removed from my credit reports if no valid authorization exists.

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 2025-06-08 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: TN

Complaint narrative:
reviewed my credit report and discovered multiple hard inquiries that I did not authorize. These inquiries were made by companies I have never applied for credit with, and I did not give written or verbal consent for them to access my credit file. I believe these inquiries were either made in error, without my permission, or possibly as a result of fraudulent activity. 

I contacted the companies listed and/or the credit bureaus to dispute the inquiries and requested verification that I had authorized them. However, I have not received proper documentation proving my consent. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries must be authorized by the consumer, and failure to obtain proper consent violates my rights.

These unauthorized inquiries are negatively impacting my credit score and my ability to obtain credit. I am requesting that these inquiries be fully investigated and removed from my credit reports if no valid authorization exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX credit card showing late fees in XXXX  when XXXX was here and they put late fees on my account now that the account is all caught up. They still have late fees on my 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 explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Toyota Financial Services is guilty of FRCA Law 1006.18 that's states false, deceptive or misleading representation of debt. I have sent them several emails and also spoke with them about reporting incorrect information to my consumer report. They have refused to make any changes after reaching out to them about the issue. They are reporting the payment status on XXXX  as having XXXX late payments. This is damaging my opportunity to get loans or finances for the things we are trying to accomplish. Please see screen shot attachments that shows the false information on my consumer report. 

They also violated the XXXX XXXX and provided a towing company with my personal information which is against the law. That is an invasion of privacy, and they should be panelized for engaging in an illegal act. They violated my rights and have the audacity to add charges to me after performing an illegal act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is reporting my student loans from XXXX and the department of education as 2 separate accounts when it should be only one. On my credit report from XXXX, it shows 8 accounts vs only 4 with XXXX and department of education. I contacted XXXX and it seems to be off when i go into the app but on my actual credit report, it shows the double accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
My XXXX fianc we broke up in 2020 and she had me removed from my house of residence, her new boyfriend use my information to open fraudulent accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S, Code 1681e ( b ) Accuracy of report Whatever a Consumer reporting agency prepares a consumer report. It shall follow responsible procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been notified of deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: IL

Complaint narrative:
According to FCRA section 605B, it is illegal to report information on my credit report without my permission, thank you please remove this from my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year>, I added {$610.00} from my XXXX XXXX  card to my PayPal account to purchase XXXX. I used the funds that same day, but the seller never delivered the product. I contacted PayPal, but they said I could not dispute the XXXX  transaction. So, I filed a dispute with XXXX XXXX  on the funding transaction, since that was the only available route. 

XXXX XXXX ruled in my favor and returned the {$610.00} to my card. After that, PayPal made my account negative by {$610.00}, saying I got the money back but still spent the funds. They claim the XXXX  purchase was never disputed, even though it was the entire reason for the chargeback.

I repeatedly asked PayPal to link the chargeback to the fraudulent transaction and explain why the account is still negative. Their support gave inconsistent answers and never fully acknowledged that the original XXXX  purchase was the basis of the refund. 

Ive done everything in good faith and acted to protect myself after being scammed. I should not be penalized for using my bank to resolve fraud that PayPal failed to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
They have a collection on my report and it is the same collection as another agency. I have not done any business with either of these companies. They state the account is closed but are still reporting late payments. I do not owe this debt and it needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, I received a phone call from what showed up as the official Chase Bank customer service number. The person said they were from XXXX fraud department and told me there were suspicious charges on my account. They had my name and card type, so I trusted them. They told me I needed to cancel my card and verify some things to stop the fraud. 
Following their instructions, I gave them my debit card info and was told to dial * XXXX followed by a number. I now know that activated call forwarding, which let them intercept calls from Chase including fraud alerts. I had no idea. I truly thought I was speaking with the real bank. 
Soon after, I discovered that {$4900.00} was stolen from my account. They were able to move money from my savings into my checking. I filed a fraud claim with Chase and explained the situation in full. But they denied my claim, saying it was " authorized '' because I willingly gave out my information. I only did that because I believed it was the right thing to do I thought I was protecting myself. The Chase investigation team even told me they dont cover scams, only fraud, which feels incredibly unfair given how deceptive and professional this was. 
XXXX XXXX XXXX XXXX, and this was an honest mistake made in good faith. I wasnt properly educated about spoofing or how to recognize these kinds of scams and frankly, I dont think most people my age are. The fact that Chase cant or wont block spoofed calls, and then punishes customers for falling for them, feels like a failure of responsibility. 
On XX/XX/XXXX, Chase is scheduled to withdraw {$4900.00} from my account. That is my hard-earned money, and losing it would have a serious financial impact on me. I trusted what I believed was my bank. I wasnt careless I was tricked. I just want them to take accountability and help fix what happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-08 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
b'On, XXXX. I XXXX XXXX XXXX. Spoken to, Wells Fargo Bank. Claims Assistance Rep is. XXXX XXXX XXXX  Employee ID # XXXX. Wells Fargo Bank, Call center location. XXXX XXXX open, Disputes over telephone. On, XXXX XXXX disputed, Wells Fargo Bank debit card charges. With, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputes of: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrect. Correct is XXXX XXXX XXXX XXXX incorrect. Correct is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrect. Correct is, XXXX. I disputed all above charges. During entire stay at Hotel. Breakfast food made Me. Sick. Lights go off everyday. 3 times a day. Cold water in shower. Air Conditioner is hot. Keep changing Me in various hotel rooms. Two computer in Hotel lobby dont work. No internet services. Etc...XXXX open Wells Fargo Bank, Investigation. \nCase XXXX XXXX. Claim XXXX XXXX On, XXXX. Esclalation Rep is XXXX In Texas. Closed, Case # XXXX Because of Bank written policy not to investigate hotel long term stays ! Is a written policy. Contact, Supervisor is XXXX Esclation dept. Call, XXXX XXXX. Ext # XXXX Please advise Wells Bank refund all above charges. Wells Bank does not have any written policy regarding long term hotel stays disputes restrictions not to investigate is false. Misleading. Deceptive.'

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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
I am the beneficial owner of a financial account ending in XXXX. I have discovered that XXXXXXXX XXXX, along with their legal representatives Brock & Scott PLLC, may have engaged in unauthorized use of my financial instruments including the collateralization and securitization of a promissory note without my informed consent or disclosure.

Despite multiple written notices and demands for verification, XXXXXXXX XXXX  has failed to provide : A certified copy of the original signed promissory note, Full accounting or chain of title records, Disclosure of any trust assignments, securitization transactions, or CUSIP identifiers, Proof of their legal authority to report negative information to credit bureaus. 

These omissions violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Gramm-Leach-Bliley Act ( GLBA ). 

Additionally, they have continued reporting derogatory or charged-off status to credit bureaus without verifying the legitimacy of the debt, despite possible discharge via IRS Form 1099-A or 1099-C. I have not been given the right to challenge this information through verified documentation, which is required under 15 U.S.C. 1681i and 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Account info incorrect. Some accounts were paid and other from my landlord lied because I left 4 days early and they had verbally agreed. Then she charged me {$4000.00} for leaving 4 days prior and said they were damages. I have proof and videos. Also, another landlord in Connecticut promised to disconnect the electric bill for me and never did. Ran it up to {$800.00}.

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 2025-06-08 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:
15 USC 1681 c-2 l am making a statement in regards to some fraudulent activity I have found on my credit report I never gave consent to any of these items block and remove all items mentioned on FTC & PDF I want them deleted 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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
A XXXX XXXX XXXX XXXX account is being inaccurately reported on my credit report. It shows the status as " Paid, closed '' with a charge-off amount of {$380.00}, but continues to list charge-offs monthly for over a year after closure. It also lists a 1-month term, which makes extended CO reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: OH

Complaint narrative:
A XXXX XXXX XXXX XXXX account is being inaccurately reported on my credit report. It shows the status as " Paid, closed '' with a charge-off amount of {$380.00}, but continues to list charge-offs monthly for over a year after closure. It also lists a 1-month term, which makes extended CO reporting 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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted legally sufficient identity theft documentation to all three bureaus under FCRA 605B. These included a notarized affidavit, FTC report, highlighted XXXX report dated XX/XX/XXXX, and proof of identity, all mailed via certified mail. Some accounts were removed selectively, but key violations remain. 

XXXX dropped my score nearly XXXX points and failed to add the required consumer statement. XXXX  and Experian continue reporting unverifiable accounts, inaccurate names, and false public records. 

I demand enforcement of FCRA 605Bs 4-day deletion requirement and GLBA XXXX for unauthorized reporting and improper personal data use. Please reference my XX/XX/XXXX uploads. This is my final request before initiating arbitration and pro XXXX legal action under FCRA 1681n and GLBA 6805.

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 2025-06-08 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 have identified inquires on my credit report that are a result of identity theft i did not made these inquiries ( XXXX  ( bank ) XXXX XXXX  ( XXXX  ( bank ) XXXX ( XXXX XXXX  ( bank ) XXXX ( XXXX XXXX ( XXXX ( XXXX XXXX ( finance ) XXXX please see attached FTC-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 explanation