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

Complaint narrative:
Dear XXXX I am writing to formally dispute several hard inquiries listed on my XXXX credit report, which I believe were made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent, which I did not provide to these companies. 

Below are the inquiries I am disputing : New inquiries from the most recent report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 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: LA

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXXThis CFPB complaint has\nbeen filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the XXXX \ncredit reporting agency, block information appearing on my consumer credit report that is the\nresult of identity theft and fraud within 4 business days of you receiving this complaint. This\nfraudulent, inaccurate, and false information consists of. XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in\nseveral fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO\ncredit report. I've attached a list of the hard inquiries in question as well as a copy of the\nconsumer FICO credit report maintained by you which shows the aforementioned fraudulent\nitems. I do not recognize the aforementioned accounts, collections, or hard inquiries as\nreported. The aforementioned accounts, collections, and hard inquiries appearing on my\nconsumer credit report maintained by you were not opened, made, or initiated by me. All of the\naforementioned accounts, collections, and hard inquiries are the result of identity theft and\nfraud. I have attached a copy of FTC Identity Theft Criminal Complaint #(private case number)\nas proof from the US Federal Trade Commission that all of the aforementioned consumer credit\naccounts, collections, and hard inquiries are the result of identity theft and fraud"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> a {$2500.00} charge was fraudulently made on my debit card through Chime Bank. The merchant, XXXX  or onequince, is what shows on the transaction, but when I contact XXXX, they don't see the transaction. Meaning Chime is processing payments for a scammer using XXXX 's credentials. 
I contacted Chime immediately, seconds after I saw the charge on my notifications on my phone. They couldn't do anything as the charge was still showing as pending. I was proactively trying to prevent the fraud before it can take place. In the past, Chime as contacted me if a transaction was suspicious. A {$2500.00} is way out of my range and spending habits, yet, every representative I spoke to was static. I find it strange that the beneficiary to my {$2500.00} has a zip code of XXXX and Chime Bank 's headquarters is one mile away. It's a walk from Chime 's building to XXXX XXXX building. 
I have been reading many experiences of Chime customers recently, where they are having their checking accounts drained by obvious fraud, and when they dispute the charges with Chime, they are almost immediately denied without any ample time to even had investigated the situation.

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

Complaint narrative:
Dear Equifax, I am writing to formally dispute several hard inquiries listed on my Equifax credit report, which I believe were made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent, which I did not provide to these companies. 

Below are the inquiries I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I respectfully request that you investigate these inquiries. If they can not be verified as authorized by me, please have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
Approximately five months ago, I formally submitted a request to the credit reporting agencies for a thorough investigation into the accounts in question for fraud, error and identity theft. To date, they have failed to conduct a proper and lawful investigation as required under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in the information they report. The continued presence of inaccurate or unverifiable accounts violates this statutory obligation. Furthermore, under 15 U.S.C. 1681i, consumer reporting agencies are legally mandated to conduct a reasonable reinvestigation upon receiving notice of a dispute. Failure to do so warrants the immediate deletion of the disputed account ( s ) from the consumer 's credit file. 

In addition, I contacted the original creditors or data furnishers associated with these accounts. Each has either denied any record of the accounts or stated that they no longer have access to the associated information. 

Given these facts, I will also be filing a formal complaint with the Internal Revenue Service to report potential fraud and misuse of personally identifiable information, as part of the broader harm resulting from these inaccuracies. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Issue : Inaccurate Reporting, Failure to Investigate Disputes, Violation of Tax and Consumer Protection Laws Complaint : I am filing this complaint to address several issues with TransUnion, regarding inaccuracies on my credit report and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other laws. The account originally opened in XX/XX/XXXX, XXXX XXXX original company, and amount was {$790.00}, I never gave the company my written consent to share information with Portfolio Recovery. 
1. Inaccurate Reporting by Portfolio Recovery : Under 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), consumer reports should not include information solely about transactions or experiences, such as payment history or charge-off status, between the consumer ( myself ) and the entities Portfolio Recovery providing the report.

Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), I am exercising my right to revoke any and all authorization, whether written, verbal, or otherwise, that I may have previously given to Portfolio Recovery Additionally, under 15 USC 6802, I am opting out of any further authorization for your institution to disclose my information. As outlined in 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), once a consumer notifies an entity of inaccuracies in the information being reported, they are prohibited from continuing to furnish such information to any consumer reporting agency. Portfolio Recovery are in clear violation of this provision and are required to rectify this situation immediately.

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

Complaint narrative:
XXXX XXXX XXXX Kings Hwy XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Acct. ending in * XXXX ) To Whom It May Concern, I am writing to formally dispute the XXXX XXXX XXXX  XXXX XXXX account listed on my Equifax credit report. The information being reported is incomplete, potentially inaccurate, and appears to violate the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S. Code 1681i * * and * * 607 ( b ) * *.

This account, reported as a * * charged-off credit card * *, contains several critical discrepancies and possible compliance violations : 1. The high credit is reported as * * {$650.00} * *, which exceeds the cards original limit of * * {$500.00} * *, raising concerns about inflated reporting or fee padding. 
XXXX. The account continues to report a balance of * * {$200.00} * * post charge-off, despite a * * last payment date of XX/XX/XXXX * *. This lack of ongoing updates implies the information XXXX be * * inaccurate or unverifiable * *. 
XXXX. There is no documentation of XXXX XXXX validating the accuracy and completeness of this item per * * FCRA XXXX ( a ) ( XXXX ) ( A ) * *. 
XXXX. The account is labeled as * * closed by the creditor * *, yet continues to report updates, which is * * inconsistent and misleading * * under Metro 2 standards. 

These issues render the account * * incomplete, potentially outdated, and unverifiable * *. I therefore demand that this account be * * permanently deleted * * from my credit file unless it can be fully validated and corrected. 

This is a formal dispute and not a request for correction. Please reinvestigate and notify me in writing within 30 days, as required by the FCRA. 

Sincerely, * * XXXX XXXX * * XXXX : XXXX DOB : XX/XX/XXXX [ Optional : Include copy of ID, XXXX, and proof of address ]

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 2025-07-07 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: NY

Complaint narrative:
XXXX XXXX XXXX Kings Hwy XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Acct. ending in * XXXX ) To Whom It May Concern, I am writing to formally dispute the XXXX XXXX XXXX  XXXX XXXX account listed on my Equifax credit report. The information being reported is incomplete, potentially inaccurate, and appears to violate the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S. Code 1681i * * and * * 607 ( b ) * *.

This account, reported as a * * charged-off credit card * *, contains several critical discrepancies and possible compliance violations : 1. The high credit is reported as * * {$650.00} * *, which exceeds the cards original limit of * * {$500.00} * *, raising concerns about inflated reporting or fee padding. 
XXXX. The account continues to report a balance of * * {$200.00} * * post charge-off, despite a * * last payment date of XX/XX/XXXX * *. This lack of ongoing updates implies the information XXXX be * * inaccurate or unverifiable * *. 
XXXX. There is no documentation of XXXX XXXX validating the accuracy and completeness of this item per * * FCRA XXXX ( a ) ( XXXX ) ( A ) * *. 
XXXX. The account is labeled as * * closed by the creditor * *, yet continues to report updates, which is * * inconsistent and misleading * * under Metro 2 standards. 

These issues render the account * * incomplete, potentially outdated, and unverifiable * *. I therefore demand that this account be * * permanently deleted * * from my credit file unless it can be fully validated and corrected. 

This is a formal dispute and not a request for correction. Please reinvestigate and notify me in writing within 30 days, as required by the FCRA. 

Sincerely, * * XXXX XXXX * * XXXX : XXXX DOB : XX/XX/XXXX [ Optional : Include copy of ID, XXXX, and proof of address ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am trying to do a loan assumption with my ex-husband, as we have several loans/properties to split up since the divorce. The lender always takes down our name and number if we do it over the phone, or no one responds when I submit a form online. We have been trying to do this for four months, and nobody will help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
There are several inaccuracies on my report that has not been addressed during the investigation of the company

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the accuracy of the reported 30 day late payment on my account under the Fair Credit Reporting Act FCRA 602A and 611.This account is listed as Paid or paying as agreed with no past due balance, which conflicts with the presence of any delinquency. Reporting a late payment under these circumstances is inaccurate and misleading. In accordance with the FCRA, I request a reinvestigation and removal of this inaccurate late payment from my credit file.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the accuracy of the reported 30 day late payment on my account under the Fair Credit Reporting Act FCRA 602A and 611.This account is listed as Paid or paying as agreed with no past due balance, which conflicts with the presence of any delinquency. Reporting a late payment under these circumstances is inaccurate and misleading. In accordance with the FCRA, I request a reinvestigation and removal of this inaccurate late payment from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
At some point in XX/XX/year> I discovered that a Wells Fargo credit card account had been fraudulently opened in my name without my knowledge or authorization. I did not apply for this credit card, nor did I give anyone permission to use my personal information to do so. 
I became aware of the issue when I received a statement or letter in the mail regarding a Wells Fargo account I did not open & was contacted by a collections agency regarding a Wells Fargo account I knew nothing about. After reviewing the details, I confirmed that the account had been opened using my personal identifying information, including my name, Social Security number, and date of birth. This account was opened & used without my knowledge or consent.As a victim of identity theft, I immediately took the following steps : Filed a report with the Federal Trade Commission. Contacted the three major credit bureaus to place a fraud alert and credit freeze. Requested copies of my credit report to identify any other unauthorized activity. Reported the incident to Wells Fargo and requested the immediate closure. 

I am now requesting that Wells Fargo conduct a full investigation, close the fraudulent account, and ensure that no negative marks related to this incident remain on my credit history. I have never had any legitimate business with Wells Fargo in regard to a credit card, and I am a victim in this situation.

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 2025-07-07 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: IL

Complaint narrative:
I reached out to Experian, XXXX  and Transunion asking who gave them permission to to put apply negative information on my report. I did however ask All three Credit bureaus to please verify the accuracy that they reported and placed on my accounts. I fell that I have been violated. According to FERA section 605B it is illegal to report anything on my credit report without my permission. Please remove all closed negative accounts. Thank you

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