vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: WI

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-27 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: SC

Complaint narrative:
I am filing a complaint regarding an unauthorized hard inquiry that appears on my credit report. I did not apply for credit, nor did I authorize The companies listed below to perform a hard credit pull.

Company Name Listed on Credit Report : XXXX XXXX Inquiry Date : XXXX XXXX Company Name Listed on Credit Report : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX Company Name Listed on Credit Report : XXXX XXXX Inquiry Date : XXXX XXXX Company Name Listed on Credit Report : XXXX XXXXXXXX Inquiry Date : XXXX XXXX This

hard inquiry is damaging to my credit profile and was done without my knowledge, consent, or permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. Legal Basis : Under the FCRA, a hard inquiry may only be performed if there is a permissible purpose, such as : A credit application initiated by the consumer, Employment purposes with written consent, A firm offer of credit or insurance, etc. I have not engaged in any activity that would justify this inquiry, nor have I had any recent interactions with this company that would provide a valid legal basis for a hard pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-27 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
These 2 accounts are not mine LVNV FUNDING LLC XXXX XXXX XXXX Balance : {$110.00} XXXX LNV FUNDING LLC XXXX XXXX XXXX Balance : {$730.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
I bought a XXXX XXXX XXXX  XXXX, paid outright with an XXXXXXXX XXXX XXXX 
Later that afternoon I received notice of a hard inquiry on my credit report, specifying a XXXX XXXX XXXX XXXX 
I didnt even know this was a thing, and never gave anyone the right to use my information to attempt to take this card out in my name. 
I called the customer service, it took a few calls for them to even find the information, however the representative told me the application was made in error, and was thus unauthorized. 
They then informed me that XXXX will be sending information that same day ( first week of XXXX ) to all the credit bureaus that this inquiry was unauthorized and fraudulent. Additionally, they have confirmed that the application no longer exists in their system. 

All that being said, and after several requests and documentation provided by both myself and XXXX XXXX, Equifax continues to refuse to remove the inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am filing this complaint in reference to a court-ordered property settlement following my divorce, in which I was legally awarded sole ownership of the marital home. This order was finalized and recorded in 2022. As part of the settlement, I was to assume the existing mortgage on the property. The deed has been properly transferred into my name, and all court directives have been followed. 

However, despite my repeated attempts since 2022 to work with the lender to complete the mortgage assumption, I have been met with continuous delays, conflicting information, and lack of resolution. I am not seeking to refinance, only to assume the loan, which is my legal right under the court order and as outlined in FHA guidelines for successor-in-interest and assumable loans. 

This delay is causing significant harm. The lenders failure to process the assumption in a timely and fair manner has now resulted in me being brought back to court for noncompliance through no fault of my own. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter promptly and intervene to ensure the lender complies with federal regulations and honors the court-ordered transfer. Time is of the essence, as further legal and financial consequences are imminent due to the lenders inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: IL

Complaint narrative:
As I was reviewing my credit report I came across unauthorized activity. 

XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 requesting that Equifax either remove the dispute comment Consumer disputes after resolution from this account or update it to reflect the accurate and final status of the account. The account has a {$0.00} balance, no past due amounts, and shows a current status. There is no ongoing dispute, and the account is in good standing. Removing the dispute remark will ensure my credit report accurately reflects the current situation and does not negatively affect my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-06-26 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 listed as an authorized user on a credit card account that was opened on XX/XX/XXXX, with a credit limit of {$1300.00}. The account has consistently maintained a {$0.00} balance and has never had any late payments or amounts past due. The account status is open and current. On XX/XX/XXXX, the account was last reported as active with no negative information. I am requesting a review to ensure that all information being reported to Equifax is accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/2025, I deposited {$9300.00} into my Citizens Bank checking ac

count. I was told at the time of deposit that the hold would last 2 business days. However, without any prior or timely written notice, the hold was extended by 7 additional days. Under Regulation CC ( 12 CFR 229.13 ( g ) ), a bank is required to provide a written notice of any hold extension no later than the next business day following the deposit. I never received such notice within that timeframe, and Citizens Bank has refused to confirm when the notice was mailed or provide a copy of it. I sent two formal emails to Citizens Bank ( including the Executive Ethics Office and CEO ) requesting a copy of the notice and the mailing date. I have received no response at all. As a result of this unexplained and improperly communicated delay, six checks are at risk of bouncing, causing serious financial harm and potential fees. I am requesting that the CFPB investigate this matter, ensure Citizens Bank complies with Regulation CC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I reached out to the Wells Fargo claims department as I was getting unknown chargers taken out of my checking account from an 'Extended Warranty Company , ' XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX Does the 3rd party money transactions; according to what XXXX  says ) I was getting their service for a vehicle I just purchased last year, my first car. When I first recently found out about these unusual chargers, I immediately reached out to my local XXXX dealership company to find out more about this extended warranty company, XXXX XXXX XXXX, and the service representative stated to me they have never heard of this company. That's when I instantly got ahold of Wells Fargo Banking on XX/XX/XXXX to start my dispute ( s ) and to start my claim that this company is Fraud and scamming me. The Wells Fargo representative that day on XX/XX/XXXX helped insert the notes and concerns with this claim on its end, letting me know everything was going to get handled and we will certainly get your money back. 

I'm coming to found out the claims that were being process are getting denied for a " unknown reason '' as I called Wells Fargo and their telling me I have a 90 DAY window to report this to them. I was never told that or addressed about this. Wells Fargo is unwillingly wanting to help get my money back from this company that they stole from me. I tried explaining to them I was unaware of this and if it wasn't for me to find out about the random charges from that company I would never know this! 

I have provided ALL my bank statements dating back since XX/XX/XXXX, for the past 9 months, XXXX XXXX XXXX has taken from my account {$200.00} every month from XXXX continuing now in XXXX. Total of {$1800.00}. 

Wells Fargo has denied most of my claims due to their unknown policy, that was never addressed. They stated they cant get my money back due to the 90 days of it being passed. 

I'm so lost and broken from a company that I spent the last 10 years as a customer just for them not caring at all about my finances nor me. I really wish I could go to the right place to figure this out and explain my side of the story. Regardless, it's my own hard-working money I'm not getting back because of a timing issue. This was not in my control. This is only for 1 company and the reoccurring payments are the same. This was fraud and I was scammed. 
Thank you for your time, if you have questions or concerns, please reach out to me. 

Thank you, 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 2025-06-26 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-26 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:
I recently reviewed my credit report and found an inquiry I do not recognize. I did not apply to this company, nor did I authorize or consent to them accessing my credit file. This unauthorized inquiry is causing me serious stress and 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 2025-06-26 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: CA

Complaint narrative:
This letter serves as a formal demand for immediate correction and deletion of inaccurate, unverified, and undocumented information currently appearing on my credit report. You are required by federal law to ensure all data reported is accurate, verifiable, and in full compliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

Unsubstantiated derogatory claims and unverifiable records constitute a willful violation of 15 U.S.C. 1681i and 1681e ( b ). I am not obligated to prove a negative. The burden of proof lies with the furnisher and the bureau. If you are unable to provide verifiable proof from the original creditorincluding contracts, applications, and full account historythen you are legally obligated to DELETE the items in question.

I hereby demand the permanent deletion of all unverifiable information and the immediate mailing of updated credit reports and all documentation you relied on in your reinvestigation.

Items Being Challenged Personal Information ( Delete/Correct ) : 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 Incorrect DOB : XXXX  Employer : XXXX XXXX XXXX Employer : XXXX XXXX XXXX Unauthorized Inquiries ( 15 U.S.C . 1681b Violation No Permissible Purpose ) : 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 These inquiries were made without my knowledge, consent, or a signed application, and therefore lack permissible purpose under the FCRA. You are required to DELETE them.

Failure to comply will result in immediate complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. I am prepared to take legal action under 15 U.S.C. 1681n for willful noncompliance, which includes monetary damages and attorneys fees.

I expect a written response, physical documentation of all actions taken, and updated copies of my credit report mailed to the address above within 15 days of receipt of this notice.

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