vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I was alarmed to discover that multiple companies have accessed my credit report and submitted applications in my name without my knowledge or authorization. I have never applied for credit with these entities, nor have I given them permission to pull my report. These fraudulent inquiries are a clear violation of my consumer rights and an abuse of my personal information. It is deeply upsetting and insulting to experience this as someone who takes their financial integrity seriously and abides by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NV

Complaint narrative:
I am submitting to formally dispute the inaccurate accounts reported on my credit report and request the immediate correction of the following credit accounts that do not reflect my current financial situation. Upon reviewing my credit report, I identified several discrepancies regarding accounts that have been incorrectly reported as late and overdue, which are in violation of the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Specifically, I would like to correct the following. 
DPT EDXXXXXXXX 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 DPT EDXXXX 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 DPT EDXXXX 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 DPT EDXXXX 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 DEPT OF EDXXXX 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 DEPT OF EDXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
While shopping for a car, I was told by the dealership that checking financing options would not affect my credit. I consented to a single soft check, not multiple hard pulls. 

However, my credit reports now show numerous hard inquiries that I did not authorize or understand due to a language barrier XXXX is my first language, and the dealership never provided XXXX-language paperwork or a full explanation. 

These inquiries were submitted without my explicit written consent and are harming my credit score. I believe this violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b Permissible Purpose ), which requires consumer authorization before a lender or dealer accesses a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CT

Complaint narrative:
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by Federal Law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a consumers credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. Therefore, I hereby demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.

To my knowledge, I have not signed any documents authorizing any of the organizations below to view my credit history, therefore the accounts below which are listed on my credit report are fraudulent and violate Title 15, Chapter 41, Subchapter III, 1681b ( c ) ( 1 ) ( A ) of the US Code : Transactions Not Initiated by Consumer.

Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. Under the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( A ) ( i ), if you are unable to provide me with such Verifiable Proof ( an original Consumer Contract with my Signature on it ), then you must DELETE the fraudulent accounts disputed here and listed below immediately : FRAUDULENT ACCOUNTS TO BE DELETED : XXXX XXXX XXXXXXXX. Account XXXX XXXXXXXX. Fraudulently Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX /COLLECTION ACCOUNT. FRAUDULENTLY OPENED ON XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Subject : Request for investigation and refund of unauthorized ATM withdrawal Dear Wells Fargo, I am writing to file a formal complaint regarding an unauthorized withdrawal of {$200.00} from my Wells Fargo checking account at one of ATMs on XX/XX/year>. Despite my multiple attempts to resolve this issue directly with the bank, Wells Fargo refused to review the security camera footage, which I believe would clearly show that I was not the person who made this withdrawal. 

On the day of the incident, I first went through the drive-thru, but the security personnel told me it was unavailable, so I parked and used the ATM located in front of the branch. It was drizzling outside. I accessed the ATM using XXXX XXXX not my physical debit card, because I was only trying to deposit a work check, as I usually do. My account history clearly shows that I rarely ever make cash withdrawals I almost always make deposits. 

The ATM screen froze during my transaction, and I couldnt complete my deposit or properly log out of my session. I went inside the branch, but there was a long line, so I decided to leave and went to another Wells Fargo branch nearby about XXXX minutes later, where I successfully deposited my check. 

Later that evening, I checked my account and saw that {$200.00} had been withdrawn in cash, which is something I did not authorize and never do. It is very likely that the person using the ATM after me took advantage of the frozen screen and my open session to make the withdrawal. 

When I called Wells Fargo to report it, I was told that the transaction was valid simply because my PIN was used. However, that does not prove that I personally made the withdrawal, especially since the ATM malfunctioned. Reviewing the security camera footage from that day would clearly confirm what happened yet the bank refused to review it. 

I would also like to point out that during my entire time as a Wells Fargo customer, I have never filed a claim or received any refund from the bank. This is my first and only complaint, and I am simply asking for a fair investigation and reimbursement of the {$200.00} that was withdrawn without my authorization. 

I respectfully request that Wells Fargo reopen my case, review the security footage from that day, and issue the refund for the unauthorized withdrawal. 

Sincerely, XXXX XXXX XXXX XXXX Last four digits XXXX XXXX XXXXXXXX GA 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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

My complaint is regarding inaccurate and inconsistent reporting by XXXX on my credit reports. This creditor is reporting my account with different statuses and balances across the XXXX major credit bureaus XXXX, XXXX, and XXXX. For example, XXXX bureau shows the account as Charge-Off with a remaining balance, while another shows it as Closed, Paid, or Included in Bankruptcy. This inconsistency misrepresents the true status of the account and violates the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( b ) and XXXX ( b ), which require furnishers to provide accurate, complete, and consistent information to all credit reporting agencies. I have already contacted the creditor directly and requested a reinvestigation to verify and correct the reporting. 


XXXX/CBNA 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 non-monetary relief
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-30 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 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 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 UNAUTHORIZED INQUIRIES XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-10-30 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: NC

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-10-30 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: NV

Complaint narrative:
This company keeps reporting items that has already been removed and refuses to remove accounts that have been proven to be fraudulent. If the companies can not prove with an ID or signature they can not keep adding it as being verified using an address, family member name, etc..... They also refuse to remove inquiry 's that I have specifically asked not to be done. 

They have received an FTC report on all these issues and have refused to remove them. 

I need all this removed from my credit report immediately. Or send me a detailed report and proof of investigation not the generic email and letters. I am requesting exactly how the investigation was done who it went through at the company. Also I am requesting for my investigation to be done with the companies not using another credit company you own such as XXXX XXXX or XXXX. I need to see existing contracts they are basing there verification on. If i can not receive these things these accounts need to be removed. 

Fraudulent Account : XXXX XXXX XXXX Fraudulent Inquiries : 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

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XX/XX/XXXX XXXX want to purchase festival tickets from XXXX and the scammer give me their zellewhen I transfer itI feel a little bit weirdso I call the bank and zelle immediately to cancel the transaction. But they just ignored menow I have lost XXXX dollars in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

My credit reports contain inaccurate and inconsistent information in Equifax. Several accounts are being reported with conflicting statuses, balances, and remarks, such as showing charge-off on one bureau but closed, paid, or included in bankruptcy on another. These discrepancies create a misleading and damaging picture of my credit history and violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681s-2 ( b ), which require furnishers and credit reporting agencies to maintain and report accurate, complete, and consistent information. I have already submitted dispute letters to all three bureaus requesting a reasonable reinvestigation of these accounts and verification of all data directly with the furnishers. 

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 Bankruptcy XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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 a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
After reviewing my credit file, I believe these accounts are being reported inaccurately and/or in violation of the Fair Credit Reporting Act ( FCRA ). 

Here are the issues I am disputing : The reporting of this account is inconsistent across all three bureaus The account status and creditor type differ between credit reports There is no verification of the validity of this debt as currently reported The balance and loan details appear incorrect or unsubstantiated

Company response to consumer: Closed with explanation