vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fradulent, Inaccurate, and false Information consists or a phone account opened at credence resource management on XXXX XXXX XXXX  under the account number XXXX, This account have resulted in an fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im here to report my claim that got denied again. My case number is XXXX. I was a victim of fraud and got XXXX stolen from me. Stolen. I have banked with Wells Fargo for years and never did I think this would happen. This was my entire life savings that was gone in an instant due to someone having my full information. On XX/XX/XXXX I got a call of someone impersonating Wells Fargo security and they had my account number, my card number, my transactions, etc. I fell for it because how else would someone have that kind of information. When I verified that that was me XXXX was wiped out of my account. I am getting denied because Wells Fargo is saying it was authorized by me. I did not authorize this charge this transfer was fraud and robbed from me. I did not transfer almost XXXX out of my account. This was lack of security from Wells Fargo and I dont think they understand that this is someones life savings this was money I saved for school and I got robbed under the eye of my bank. I dont feel that I was protected I didnt get a text of authorization or a email. I was robbed. Please help me get my funds back I was robbed and did not authorize ANY transaction of XXXX. I will not stop fighting for my case I gained this money with years of hard work. Also to add I reported this transfer MINUTES after it happened I dont understand why the payment couldnt be stopped. I immediately filed a police report and if it was me why would I contact the police. I have the report number and it is XXXX. To add I got another text message exactly like the one I got on XX/XX/XXXX and I got it Saturday XX/XX/XXXX. Someone again impersonating Wells Fargo and again had all my information and requested me to verify. Since I knew better I again reported it blocked them and finally closed my account to open a new one. I dont know how people are having access to that information that only I shouldve had access to and because of this I was robbed of almost XXXX. Please please help me. I understand this was a lot of money and thats why this reimbursement would be difficult but I beg, this was not authorized and I am a victim. I know reimbursement is possible Ive done my research and seen that this has happened before to people and you guys were the reason they got help.

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 2025-06-17 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: CO

Complaint narrative:
I am filing this complaint because an unauthorized hard inquiry was made on my Experian credit report by XXXX XXXX XXXX on XX/XX/year>. 

I did not initiate any application for credit, nor did I authorize XXXX XXXX XXXX to access my credit file. This inquiry was made without my knowledge or written consent, and I have no existing financial relationship with this company. I discovered this entry after reviewing my credit report due to a drop in my score. I have never applied for any credit account or service with XXXX XXXX or any of its affiliates. 

This action is a violation of the Fair Credit Reporting Act ( FCRA ), which protects consumers from the unauthorized access of their credit files.

Legal grounds include : 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) A consumer reporting agency may only furnish a credit report when a consumer initiates a credit transaction.

15 U.S.C. 1681b ( c ) Requires that consumer authorization be provided for credit inquiries related to promotional or firm offers.

15 U.S.C. 1681i ( a ) Gives consumers the right to dispute any inaccurate or unverifiable information, requiring the bureau to conduct a reinvestigation.

I submitted a written dispute to Experian requesting the deletion of this inquiry unless proof of authorization is provided. To date, I have not received any documentation verifying that I gave permission for this credit pull.

Requested Resolution : Immediate removal of the unauthorized inquiry by XXXX XXXXXXXX XXXX from my Experian credit report. 

Verification from XXXX XXXX XXXX proving I authorized this inquiry ; otherwise, accountability for violating FCRA. 

An investigation into whether XXXX XXXX XXXX is conducting unauthorized inquiries into consumer credit reports. 

This inquiry has negatively impacted my credit and caused unnecessary concern. I respectfully request your assistance in correcting this violation and ensuring my rights as a consumer are upheld.

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 2025-06-17 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: IL

Complaint narrative:
This has been stressful not just to me but my family too. We are unable to move to a new house just because of this account that you kept on reporting.

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 2025-06-17 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, 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 2025-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
On XX/XX/2025, I received a letter from Toyota Financial Services confirming I am owed a refund of {$530.00} for a GAP policy on my vehicle. The letter clearly states that a refund check would be mailed. As of XX/XX/2025, I have not received the check I have updated my address three times, and Ive called Toyota Financial and GAP over 17 times with no resolution. Ive been told conflicting things that the policy couldnt be canceled because it expired, that the refund was pending, and that Id be called back but no one has followed through. Please keep in mind although I have moved all of my mail is forward, as well there has been confirmation that the original check was have never even sent in the first place. 

Timeline of Contact Efforts : XX/XX/2025 I made my first phone call to Toyota Financial Services after not receiving the check. I was told it was being processed and would be mailed soon. 

XX/XX/XXXX XX/XX/2025 I followed up every 12 weeks, sometimes multiple times per week, totaling over 17 calls to both Toyota Financial Services and the GAP provider.

I updated my mailing address three times ( from XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX ), and each time I was assured the refund would be sent to the correct address. 

I was informed the refund could not be issued because the GAP policy expired rather than being canceled which is a system limitation, not a customer error. I was then refereed to the financial department in which case they have stated its a GAP issue and they could not a cut a check and they seem to be confused on why GAP is referring me to back to me constantly getting the run-around.

I was advised to go to the original dealership ( XXXX XXXX ) to cancel the GAP manually. After confirming with a rep named XXXX that they could help, I drove 30+ minutes there only to be told in person that they could not do it. 

On XX/XX/XXXX, I was told the issue had been escalated and someone would call me back. No one did. This was not first time I was told it was escalated I was told this same information on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Each time I know it will not result in a solution at this point. 

On XX/XX/XXXX, I called again and was told to expect a callback the next day this has happened before and feels like a pattern of deflection. 

Summary : It has now been over two months since Toyota Financial confirmed in writing that I was owed a refund. I have spent dozens of hours on the phone, visited the dealership, and updated my address repeatedly all while receiving no refund. This has caused significant frustration, wasted time, and a total breakdown in trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Submitted disputes to EQUIFAX XXXX XXXX XXXX on XX/XX/year>, regarding Multiple ENTRIES provided by XXXXXXXX XXXX and the non-response of the DEBT BUYER. Equifax has returned XX/XX/year>, that on ALL disputes, they were able to VERIFY and VALIDATE the accounts of XXXXXXXX XXXX who is reporting currently on my credit report. I kindly request ALL VERFICATION AND VALIDATION METHODS/DOCUMENTATION received by Equifax during my submitted disputes with XXXXXXXX XXXX  who is reporting on my credit report. I would like to ensure all steps under FCRA have been properly followed. Thank you kindly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-17 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: NV

Complaint narrative:
Fraudulent credit card accounts were opened without my knowledge or consent under my name. Starting in the beginning of XXXX the XXXX account was opened. On XX/XX/XXXX a " XXXX XXXX XXXX  XXXX XXXX credit card was opened and reported a {$1100.00} balance. To continue, On XX/XX/XXXX a " XXXX XXXX XXXXXXXX '' account was opened reporting a {$460.00} balance. Finally, a " XXXX XXXX XXXX XXXX '' account was opened on XX/XX/XXXX reporting a balance of {$4100.00}. I never used my information to open an account at any of these company 's.

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 2025-06-17 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: NV

Complaint narrative:
Fraudulent credit card accounts were opened without my knowledge or consent under my name. Starting in the beginning of XXXX the XXXX account was opened. On XX/XX/XXXX a " XXXX XXXX XXXX  XXXX XXXX credit card was opened and reported a {$1100.00} balance. To continue, On XX/XX/XXXX a " XXXX XXXX XXXXXXXX '' account was opened reporting a {$460.00} balance. Finally, a " XXXX XXXX XXXX XXXX '' account was opened on XX/XX/XXXX reporting a balance of {$4100.00}. I never used my information to open an account at any of these company 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 : {$7200.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} INQUIRIES : XXXX Date : XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN YOU STATE BE EXACT I WANT THE NAME AND ACCOUNT NUMBER YOU ARE REFERRING TO quite being XXXX XXXX its not hard to respond to name and account number you have my personal information or you would not of sent this XXXX letter to my email respond through the CFPB

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 2025-06-17 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:
" 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I have accounts on my report that shows XXXX balance but still shows up as a collection. I have tried to reach out to the company and hire a lawyer to remove these accounts, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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