vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint due to numerous and repeated violations on my credit reports that have caused me emotional distress, financial harm, and potential exposure to identity theft. I am disputing incorrect personal address, inaccurate payment history, and multiple unauthorized hard inquiries. These entries are severely damaging my creditworthiness and were not corrected despite previous efforts. 
XXXX XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/year> Issue : No authorization was given by me to initiate this hard inquiry. 
Law Violated : FCRA 15 U.S.C. 1681b requires that all inquiries must have a permissible purpose and consumer consent.

Statement : I am concerned that my personal information may have been used or sold without my consent, potentially exposing me to identity theft or fraud. 
XXXX XXXX XXXX Inquiry Date : XX/XX/year> Issue : I did not initiate any credit application with XXXX on this date. This inquiry was made without any legal or permissible basis. 
Law Violated : As per FCRA, inquiries made without consumer consent are illegal and damaging.

Statement : These unauthorized inquiries have caused me emotional distress and have impacted my credit utilization ratios and risk scores. 
XXXX XXXX Inquiry Date : XX/XX/year> Issue : I never applied for any credit with XXXX XXXX during this period, yet this inquiry appears. 
Law Violated : This violates FCRA guidelines on permissible purpose and consented access to consumer credit files.

Statement : This inquiry is part of a pattern of unauthorized and suspicious activity on my report, which I fear may be the result of data breach or identity manipulation. 
I am requesting that the CFPB investigate these violations of the Fair Credit Reporting Act. I have suffered financial harm, emotional stress, and fear of identity theft due to these false, outdated, or unauthorized credit entries. I respectfully demand deletion of the wrong address, removal or correction of inaccurate accounts, and removal of all unauthorized hard inquiries listed above. I am attaching identification documents and supporting dispute materials with this submission.

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 2025-07-15 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:
Dear [ Equifax / Experian / TransUnion ], I am writing to formally dispute an unauthorized hard inquiry listed on my credit report. The inquiry in question is from XXXX XXXX, dated XX/XX/2025. 

I did not authorize this inquiry, nor do I have any existing or pending relationship with XXXX XXXX that would warrant such an action. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries can not be made without my explicit written consent. Therefore, I request that this inquiry be removed immediately from my credit file. 

Please investigate this matter and provide written confirmation that the inquiry has been deleted. If XXXX XXXX claims I authorized the inquiry, I request that you provide proof of written authorization as required by law. 

Enclosed are copies of my identification and a utility bill as proof of identity and residence.

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 2025-07-15 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-15 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-15 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-15 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Dear XXXX  I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XXXX  jpmcb bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Dear XXXX  I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXXXX/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 explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I received a call with the caller ID Wells Fargo. A man stated that they were a Wells Fargo banker from the fraudulent department. He claimed that somebody from XXXX was trying to drain my entire account and he mentioned the exact amount in my checking account. I stated that transaction was not mine. He told me we would have to cancel my debit card and open a new one. When create new debit card he somehow linked it to his XXXX XXXX. He then drained my account of XXXX dollars. I went to Wells Fargo that day a opened up a claim. They were well aware that the action was fraudulent as I showed them the number that called me and they traced it back to somewhere in XXXX. The money was credited to my account in about a week. On XX/XX/year> Wells Fargo denied XXXX was removed from my bank account. I spoke with the fraudulent department on the phone with a woman from the XXXX that had a heavy accent. She didn't have any legitimate reasonings and just stated that the decision was final. It was clearly fraudulent and even the bankers could see that when I was at Wells Fargo but seems at the company as a whole does not. I've read online of others running into this issue before with Wells Fargo.

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 monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX .RE account XXXX Portfolio recovery associates. To whom it may concern : this letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 
By provisions of 15 US section1681i of the fair credit reporting act, these items need to be investigated. Please provide me with proof of these items, Specifically the contract bearing my signature .Failing that, please update the record to show as Paid in Full/As Agreed or Remove this from my credit as soon as possible. this is a very serious matte affecting my everyday life. The out lined item as a very serious error in reporting. please update this information. This account is listed as charged off account on my credit report but i have never received a 1099c for this charged off/ closed debit. can you please provide me with a 1099c to accurately reflect this charge off for tax purposes and please update my credit report and delete immediately.

Pursuant to 15 US section 1681i { 6 } { a } of the fair credit reporting act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be XXXX days of completion of your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C 1681 ( a ), which states that consumers reporting must be fair, accurate, and respect the privacy of consumers. My credit report contains several inaccuracies that violate the purpose and specific provisions of the FCRA : 1. Accounts that were closed are now being reports as late and sent to collections after closure, which is misleading and damaging to my credit history. 2. Incorrect personal information, such as invalid or outdated addresses and names appear on my credit report, which raises concerns about identity mix-ups or potential file merging errors. U.S.C 1681i and U.S.C 1681s-2 These issues appear on my reports from XXXX XXXX  and XXXX I have attempted to dispute these items through the credit bureaus directly but have not received a satisfactory resolution. I'm requesting the removal or correction of the inaccurate collections, late payments, and deletion of invalid personal information from my credit file. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
I applied for and was approved for the XXXX XXXX XXXX American Express credit card based on an advertised offer of XXXX bonus miles after spending {$3000.00} within the first XXXX XXXX ( attached ). I carefully tracked my spending using American Expresss official website and mobile app, both of which consistently reported that I had spent {$3000.00} during the eligibility window. 

However, when I contacted Amex after not receiving the bonus, I was informed that I did not qualify because I had allegedly not met the spending requirement. I was shocked, as the Amex dashboard ( attached ) and my official XXXX Year-End Summary ( attached ) confirm that I exceeded the required threshold. 

Upon speaking with customer support, I learned that approximately {$10.00} of the reported spend was for a late fee. To date I am not sure where the late fee is mentioned in my account. This was not visible or transparent in any of the Amex account tracking tools. The Amex system continued to show that I had spent over {$3000.00} when, according to Amex 's internal systems ( as confirmed by representatives ), I technically had not. 

This discrepancy created a false sense of meeting the requirement and deprived me of the opportunity to correct the issue in time. I made purchases in good faith, relying on Amexs own tools. If the tools had accurately excluded the fee or clearly warned that I was under the threshold, I would have easily adjusted my spending. 

Adding further concern, Amex customer service agents confirmed that their internal system shows a different total spend than what is displayed to the customer. This inconsistency strongly suggests the system was misleading by design, appearing to inflate progress toward the bonus and then disqualifying customers on a hidden technicality. This practice is deceptive and may violate consumer protection laws. 

Additionally, I am currently undergoing XXXX XXXX  and had intended to use the bonus miles to support essential XXXX XXXX XXXX. Losing the bonus due to an obscure, unflagged technicality that I could not have reasonably anticipated has caused significant stress during a difficult time. To date the total spend shown in my account is {$3000.00}. Despite this, Amex declined to apply the bonus, stating that the XXXX window had passed even though I attempted to resolve the issue promptly after learning of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX  - XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX Georgia XXXX United States XXXX Court ( XXXX XXXX ) that they do not report or furnish XXXX proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this XXXX on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-07-15 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: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX  - XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX Georgia XXXX United States XXXX Court ( XXXX XXXX ) that they do not report or furnish XXXX proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this XXXX on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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