vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
I have no knowledge of this inquiry I did not authorize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: VA

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 2025-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
This is a complaint against XXXX XXXX XXXX and the debt collection agency CONTRACT CALLERS INC. 

On XX/XX/XXXX, I received a notification from multiple credit card companies that I had a negative mark on my credit report and quickly checked to see that my credit score had decreased by XXXX points. I rushed home to request my credit report from all major bureaus to verify the authenticity of this mark and found a report of an unpaid bill of {$60.00}. 

As noted on my report, the date assigned was XX/XX/XXXX and the date of first delinquency was XX/XX/XXXX. 

I lived in XXXX from XXXX to XX/XX/XXXX and have not missed a single payment, and have always had my bill set to auto-pay. I have had an active account with XXXX the entire time and did not receive a single email, account notification, or letter indicating that my account had an unpaid balance. Their system is also so entirely garbage I can no longer view any billing history on their website, as it just reports my account is closed. The last email I received from them is from XX/XX/XXXX indicating my final bill is available and that I am enrolled in AUTOPAY so my bill would be deducted automatically. Amazing. I also did not receive any notification or documentation from this other garbage company Contract Callers Inc ( yes, definitely not a scam company name btw ) that I had an unpaid balance from assignment to now ( which has been LESS THAN THREE MONTHS ). Furthermore, both companies do not have customer service available today so I will need to spend further time on this nonsense over the weekday during working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have no knowledge of this inquiry I did not authorize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: Carvana Group, LLC
State: CA

Complaint narrative:
I did not authorize this inquiry I have no knowledge of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: United PanAm Financial Corp.
State: CA

Complaint narrative:
I did not authorize this inquiry I have no knowledge of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-19 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:
Subject : Formal Complaint Unauthorized Hard Inquiries - Experian Information Solutions , Inc. ; Equifax Information Services , LLC, TransUnion LLC To Whom It May Concern : 1. I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized hard inquiries appearing on my Experian credit report. These inquiries were made without my knowledge or consent, and are not tied to any approved credit account, in violation of the Fair Credit Reporting Act ( FCRA ).

Disputed Hard Inquiries : 1. COMPANY : XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX REASON FOR DISPUTE : No credit application submitted or authorized by me. 

2. COMPANY : XXXX XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX REASON FOR DISPUTE : No permissible purpose ; unauthorized access. 

These inquiries are inaccurate, misleading, and harmful to my creditworthiness and reputation. Experian has failed to maintain maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Legal Basis 15 U.S.C. 1681b ( a ) Consumer reports may only be furnished for a permissible purpose.

15 U.S.C. 1681i ( a ) Duty to reinvestigate disputes within 30 days and verify information with the requesting entity. 
Federal Trade Commission XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) Obtaining or maintaining consumer report data without a valid permissible purpose is a direct FCRA violation. 
15 U.S.C. 1681n & 1681o Agencies may be liable for willful or negligent noncompliance.

Relief Requested I demand that the CFPB ensure Experian : 1. Deletes each hard inquiry that can not be verified with competent evidence from the requesting entity.

2. Provides documentation showing a valid permissible purpose for each inquiry, including the name, address, and certification of the entity that accessed my report.

3. Issues written confirmation detailing the results of the reinvestigation. 

Notice of Intent If Experian fails to comply within 30 days, I will escalate to : CFPB Federal Trade Commission ( FTC ) Florida Attorney Generals Office I also reserve the right to pursue civil action under the FCRA for actual, statutory, and punitive damages, including attorneys fees, for willful or negligent noncompliance.

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 2025-10-19 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: FL

Complaint narrative:
Subject : Formal Complaint Unauthorized Hard Inquiries - Experian Information Solutions , Inc. ; Equifax Information Services , LLC, TransUnion LLC To Whom It May Concern : 1. I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized hard inquiries appearing on my Experian credit report. These inquiries were made without my knowledge or consent, and are not tied to any approved credit account, in violation of the Fair Credit Reporting Act ( FCRA ).

Disputed Hard Inquiries : 1. COMPANY : XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX REASON FOR DISPUTE : No credit application submitted or authorized by me. 

2. COMPANY : XXXX XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX REASON FOR DISPUTE : No permissible purpose ; unauthorized access. 

These inquiries are inaccurate, misleading, and harmful to my creditworthiness and reputation. Experian has failed to maintain maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Legal Basis 15 U.S.C. 1681b ( a ) Consumer reports may only be furnished for a permissible purpose.

15 U.S.C. 1681i ( a ) Duty to reinvestigate disputes within 30 days and verify information with the requesting entity. 
Federal Trade Commission XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) Obtaining or maintaining consumer report data without a valid permissible purpose is a direct FCRA violation. 
15 U.S.C. 1681n & 1681o Agencies may be liable for willful or negligent noncompliance.

Relief Requested I demand that the CFPB ensure Experian : 1. Deletes each hard inquiry that can not be verified with competent evidence from the requesting entity.

2. Provides documentation showing a valid permissible purpose for each inquiry, including the name, address, and certification of the entity that accessed my report.

3. Issues written confirmation detailing the results of the reinvestigation. 

Notice of Intent If Experian fails to comply within 30 days, I will escalate to : CFPB Federal Trade Commission ( FTC ) Florida Attorney Generals Office I also reserve the right to pursue civil action under the FCRA for actual, statutory, and punitive damages, including attorneys fees, for willful or negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: NC

Complaint narrative:
Upon reviewing my credit reports, I discovered multiple accounts that I did not open or authorize. These accounts include auto loans, collection accounts from telecommunications companies, and various lines of credit. The existence of these accounts indicates that I am a victim of identity theft and/or widespread credit reporting errors. 

Detailed Timeline and Description : On or around XX/XX/XXXX : An auto loan account appeared on my credit report from XXXX XXXX XXXX did not apply for, authorize, or receive any funds from this loan. The account immediately reported as severely delinquent, which is consistent with fraudulent activity. 

Between XXXX and XXXX : Multiple collection accounts from debt buyers including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX appeared on my report. These accounts reference original creditors including XXXX XXXX XXXX XXXX XXXX and XXXX. I have never had accounts with these original creditors for the amounts listed and did not incur these debts. I have never been contacted by these collection agencies prior to seeing them on my report. 

In XXXX : An installment loan from XXXX appeared on my report with a balance of over {$1300.00}, reporting as charged off. I did not open this account. 

Prior to XXXX : A telecommunications account from XXXX was opened and subsequently charged off with a balance of over {$2800.00}. I did not open or use this account. 

In XXXX : A line of credit from XXXX, XXXX was opened and quickly charged off. I did not apply for or authorize this line of credit. 

Actions Taken by Me : I first became aware of these issues upon obtaining my credit report in XX/XX/XXXX. 

I have placed extended fraud alerts and security freezes on my credit files with all major consumer reporting agencies to prevent further fraudulent activity. 

I am in the process of filing a report with my local law enforcement agency regarding this identity theft. 

I am formally disputing all of these accounts with the credit bureaus and corresponding data furnishers as fraudulent and not mine.

Resolution Requested : I request that the involved companies : Conduct a full investigation into these accounts.

Provide me with all application and transaction records, including any signed contracts or proof of my authorization, to verify the legitimacy of these debts.

Permanently remove all these fraudulent accounts and their associated negative payment history from my credit file.

Cease all collection activities and reporting on these accounts immediately.

This pattern of accounts is not consistent with my financial behavior and is the result of either systemic errors or identity theft. I look forward to your prompt investigation and resolution.

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 2025-10-19 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I opened a new bank and had a credit report done and noticed a charge or XXXX on my credit report I contacted the companys immediately I notice last month XX/XX/year>. I talked to XXXX the company that was used in this fraudulent transaction. They have no record of me haveing service they said my name doesnt exist with a phone ever. I need this off my credit report the company coming after me is Jefferson capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo charged me an excessive amount when it came to applying fees for overdrafts.

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 2025-10-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-19 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX I tried to use my debit card at an atm overseas. Cashapp suspended my account, lost access to my money ( {$1200.00} ). I cant spend it or withdraw. They stopped responding to my emails on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
I recently discovered that ( XXXX XXXX XXXX Address XXXX, MN XXXX Phone number ( XXXX ) XXXX ) is attempting to collect a debt that does not belong to me. I first became aware of this when I received [ a collection notice/ a call/ saw an entry on my credit report ] on XX/XX/2025. I have never had an account, service, or contractual relationship with the creditor listed, and I have no knowledge of this debt. I immediately contacted XXXX XXXX  to dispute the claim and requested written verification under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, they have continued to report or attempt to collect the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
b'My father got a call on XXXX  that his Chase Account was blocked due to fraud. His online account was locked. He saw the number was a Chase branch in the city (he XXXX  it).\n\nOne of the bank tellers was stealing account info is what he was told. "Please deposit money into 2 different accounts". He did. He then realized almost all the money in my account, to which he was an authorized user, was gone. He doesnt know how it happened. He opened a fraud investigation with Chase. \n\nOn XXXX XXXX XXXX XXXX, my father told me that, due to his compromising his bank details, his Chase account was hacked. This affected me because my father was an authorized user on my bank account, which once held over XXXX. That amount was now missing, taken out of the ATM. My father\'s credentials were used to access the money. He did not make these withdrawals. \n\nOn XXXX XXXX, I called Chase. Had to talk to 6 or 7 different people. My notes: \n\nI asked Chase: \n1.  Is my account [XXXX] still safe? \n2. How can I get my XXXX  back? \n3. What happened to my money? \n\nI called the following Chase Phone Numbers: \n\nXXXXXXXX XXXXnChase Fraud Department - XXXX\n\nWhen I spoke with the fraud department, they told me they had denied investigating the claim. Issue us outside of Chase. But the fraud happened at their bank. They are responsible for investigating. \n\nThese are exact quotes: \n\nThe fraud department is not doing anything.\n\nThere is no investigation.\n\nIt is the opinion of Chase Bank that XXXX  made the withdrawals; he was at the branch. (He did not)\n\nYou should contact Cybercrime or the Police."\n\nThey were not even able to tell me if my account was safe now or still compromised. They had mentioned that in Chase\'s Opinion all the money was taken out legally. It was not. XXXX was stollen from my checking account. \n\nMy parents spoke to the Bergenfield Police Department and opened a case. \n\nCase Number: XXXX'

Company response to consumer: Closed with explanation