vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: Thaxton Investment Corporation
State: TN

Complaint narrative:
I am disputing multiple hard inquiries that appear on my credit reports without my clear and direct authorization. These inquiries may be excessive, duplicate, or linked to applications I did not complete. Im requesting that the companies involved provide verification or remove these inquiries from my credit reports if they can not be verified. 

Below is a list of the inquiries I am disputing, including the creditor name and inquiry date : From Experian : XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX From XXXX : XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX From XXXX  : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REPUBLIC/ NC XX/XX/XXXX XXXX. FIRST SOUTH XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX I would like these inquiries to be investigated. If any of them are determined to be unauthorized or unverifiable, I am requesting their removal under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX, XXXXwhile using my computer it was taken over by a scammer unknown to me at that time. He caused a security breach ( bells and whistles ) and there was a number for XXXX which i called. A XXXX XXXX ID-XXXX XXXX did a scan of my computer which showed several compromising transaction purchasing child XXXX. I waas scrutinizing making me feel that I was guilty of the purchase. However, XXXX XXXX called the Maryland XXXX department and referred me over to a XXXX XXXX at XXXX, XXXX and XXXX. In addition to requesting myself to withdraw money XXXX XXXX XXXX  XXXX bank and XXXX MD XXXX, he also tricked me to use my wells Fargo credit card to purchase XXXX dollars at XXXX XXXX and XXXX dollars at XXXX. He stated once all of the money is secured he would put it back in a recreated checking with my social security number protected. I followed all of his steps because I ffelt because he was a XXXX XXXX XXXX XXXX  agent and was working a federal agent that he had my best interest. 
On XXXX Wells Fargo denied my dispute in terms of refunding my XXXX dollars. Please advise me what the next step will be.

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 2025-07-29 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am reporting numerous unauthorized hard inquiries that have appeared on my credit reports from various lenders, auto financing companies, student loan providers, credit card issuers, and mortgage/credit checking services. I did not apply for credit, loans, auto financing, or student loans with any of the companies listed below on or around the dates the inquiries were made. These inquiries were made without my knowledge or permission, and I believe they may be the result of identity theft, application bundling by auto dealers, or reporting errors.

These unauthorized inquiries are harming my credit score and do not reflect any legitimate financial activity initiated by me. The inquiries in question include : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX Barclays Bank Delaware ( BRCLYSBANKDE ) XX/XX/XXXX XXXX XXXX XXXX XXXXe ( XXXX  ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX I am actively disputing these inquiries with the credit bureaus and have taken steps to protect my identity and credit file. I am also in the process of filing an FTC Identity Theft Report.

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 2025-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am reporting numerous unauthorized hard inquiries that have appeared on my credit reports from various lenders, auto financing companies, student loan providers, credit card issuers, and mortgage/credit checking services. I did not apply for credit, loans, auto financing, or student loans with any of the companies listed below on or around the dates the inquiries were made. These inquiries were made without my knowledge or permission, and I believe they may be the result of identity theft, application bundling by auto dealers, or reporting errors.

These unauthorized inquiries are harming my credit score and do not reflect any legitimate financial activity initiated by me. The inquiries in question include : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Capital One Auto Finance ( COAF ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX I am actively disputing these inquiries with the credit bureaus and have taken steps to protect my identity and credit file. I am also in the process of filing an FTC Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. regarding four ( 4 ) collection accounts reported under U.S. Department of Education XXXX XXXX XXXX all linked to account number XXXX, but showing different balances and inconsistent data : * {$2600.00} Status updated XX/XX/year> * {$2500.00} Status updated XX/XX/year> * {$1800.00} Status updated XX/XX/year> * {$4300.00} Status updated XX/XX/year> Each of these tradelines is inaccurate, duplicative, and unverifiable, and must be permanently deleted from my consumer report. 

Legal Violations Identified : XXXX. FCRA 1681e ( b ) Inaccurate, misleading, and incomplete reportingThese accounts are duplicative, all referencing the same account number and servicer, but each shows a different balance and payment history. This confuses creditors and artificially inflates my collection debt.

2. FCRA 1681i ( a ) Failure to reasonably investigate disputed dataNo documentation has been provided to validate these tradelines or justify reporting multiple versions of the same account with contradictory amounts and terms.

3. FCRA 1681s2 ( b ) Furnishers duty to correct or delete inaccurate dataThe data furnisher has not corrected these duplicative accounts despite clear inconsistencies. This violates their obligations to ensure accuracy and completeness. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Guidance on Student Loan ReportingThe CFPB has advised that duplicate tradelines, split loans, or inconsistent histories materially misrepresent the consumers credit profile and must be resolved in favor of the consumer. 

Demand for Deletion : Because these accounts are : * Inconsistent in balance and status, * Derived from the same original loan, * Unsupported by original documentation, and * Unlawfully duplicating derogatory data, I demand their immediate and permanent deletion under FCRA 1681i ( a ) ( 5 ) ( A ).

Should these tradelines remain after 30 calendar days, I will file formal complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney General, and I will seek legal remedies under FCRA 1681n & 1681o for damages due to willful or negligent noncompliance.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing, Inc No evidence of original or contractual obligation, missing original creditor name and account detail, no validation provided despite derogatory reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I traveling at XXXX  XXXX  ergo my bank summary statement I lost. The incident occurred around XXXX to XXXX. .my last bank summary statement was never recover. Chang of bank vault never recovered.

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 2025-07-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
As a fair and lawful resolution to this identity theft case, I am requesting the following actions be taken immediately : Permanently delete the following fraudulent account and unauthorized inquiry from my credit report : XXXX XXXX Unauthorized Inquiry on XX/XX/2024 XXXX Fraudulent Account # XXXX Block all identity theftrelated information associated with the accounts listed above, as required by 15 U.S.C. 1681c2, within 4 business days of receiving my documentation, which has already been submitted and includes : Government-issued photo ID Social Security card Proof of current address FTC Identity Theft Report Provide written confirmation that : The fraudulent account and inquiry have been permanently deleted and blocked A corrected and updated copy of my consumer credit report has been mailed or sent to me Stop sending template stall letters. I am the direct consumer. This is not a third-party matter. You now have all required documentation, and under FCRA 1681i ( a ), you are obligated to verify or delete unverifiable information. 

If these actions are not completed within the legal timeframe, I will file additional complaints with the CFPB, FTC, XXXX, and Attorney General 's offices. I also reserve my right to pursue civil damages under FCRA 616 for each violation. 

This is a serious identity theft matter and I expect full resolution without further delay.

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 2025-07-29 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: 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} INQUIRIES : XXXX XXXX Date : XX/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 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief