vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am challenging the reporting of fraudulent accounts that have been added to my credit profile. I did not authorize or open these accounts, and their inclusion is entirely inaccurate and harmful. These entries distort my financial standing and undermine the accuracy of my 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 non-monetary relief
Consumer complaint received 2025-09-16 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding multiple wrong addresses and unauthorized inquiries that are being reported on my credit file. These errors are inaccurate, misleading, and harmful to my credit standing. 
Wrong Addresses XXXX XXXX XXXX, XXXX, PA, XXXX Once again, this is a completely false and inaccurate address. Such repeated mistakes demonstrate negligence in data handling and serious lapses in compliance. This error is damaging to my reputation, my creditworthiness, and my financial stability. 
Story : When lenders see multiple addresses, they sometimes consider it as a red flag for instability or fraudulent behavior. This has negatively impacted my ability to qualify for fair credit terms and has also caused suspicion during employment background checks. 
XXXX XXXX XX/XX/2024 This inquiry was performed without my application, consent, or any legitimate business transaction. 
Story : I did not apply for any XXXX product. Yet this inquiry gives the false impression that I was seeking excessive credit. This misrepresentation XXXX lead to lenders assuming I am a higher-risk borrower. 
XXXX XX/XX/2024 This is also unauthorized. I never sought credit through XXXX Mortgage nor any service that would justify this hard pull. 
Story : Having a mortgage-related inquiry appear creates the false narrative that I attempted to purchase or refinance property. This is not only false but also harmful to my XXXX score and future lending opportunities. 
Requested Resolution : Immediate removal of all wrong addresses from my credit file. 
Permanent deletion of all unauthorized hard inquiries listed above. 
Written confirmation of the corrections made. 
Failure to address these violations will result in further escalation and legal action for damages under FCRA 1681n and 1681o.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: TX

Complaint narrative:
I've never held an account with them ; they are allowing people to just create accounts without identification verification. I HAVE GIVEN THEM A POLICE REPORT STATING I WAS A VICTIM OF IDENTITY THEFT. {$180.00} BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am filing this complaint against Discover Bank regarding its improper and unlawful actions concerning a recently approved credit card. 
Discover ran my credit report, approved me for a credit card, and mailed me the physical card. However, before I was even able to activate it, they abruptly closed the account within approximately XXXX weeks. This action is both harmful and unlawful. 
Importantly, Discover was already aware of prior identity theft issues involving a Discover card under my name. I had contacted them directly months before this incident, and my attorney had also reached out on my behalf. Despite this knowledge, Discover still initiated a hard inquiry, extended me credit, and then rescinded it without cause after approvaldamaging my credit standing and consumer rights. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., creditors must act fairly, transparently, and without deceptive or adverse actions once credit is extended and accepted. By running my credit, issuing an approval, and mailing me a card, Discover created a binding expectation of credit availability. The abrupt closure before activation constitutes : An adverse action under XXXX, which requires notice and a legitimate reasonnone was properly provided. 
Unfair damage to my credit profile through an unnecessary inquiry and cancellation, in violation of FCRA protections. 
Bad faith practices, since Discover was fully aware of the identity theft history and still chose to run my credit and extend approval. 


I've attached a FTC report from months ago with a previous address. Since then I have moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
I am requesting my full consumer discloure report and to freeze my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Block, Inc.
State: TN

Complaint narrative:
XX/XX/year> between XXXX on XX/XX/year> money was stolen out of my account by play station. I filed a report and cash app refused to give me my money back along side closing my account out before I clicked to verify my identity after I called the day I realized my money was stolen all while my card was locked .. and XX/XX/year> I had noticed that morning my funds were missing. I have proof I did not authorize the transactions and cash app after closing my account refused to give me my money back all while claiming I have permission and I DID NOT give permission. Thats why my card was locked while it happened I knew nothing about it. XXXX also was contacted about it as well because thats who charged my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Makes Cents, Inc. dba Advance.Cash
State: PA

Complaint narrative:
Wasn't aware that the interest accrued was a daily interest rate and not a monthly interest rate. It is borderline usury charging the interest rate they do. Interest rate is estimated at 380 %. 
Original loan of {$1800.00}. XXXX payments at XXXX per pay period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nTransUnion Credit Bureau\nXXXX XXXX XXXX XXXX XXXX  \nSubject: Request for Removal of Unauthorized Hard and Soft Inquiries\nDear Sir/Madam,\nI am writing to formally dispute certain inquiries listed on my credit report that I did not authorize. According to the Fair Credit Reporting Act (FCRA), I have the right to dispute unauthorized inquiries, and I am exercising that right.\nThe following inquiries appear on my report without my consent:\n1.\tXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSoft Inquiry: XXXX\nPlease investigate these inquiries and remove any that you find were made without my authorization. I request that you update my credit report accordingly and provide me with written confirmation once the disputed inquiries have been removed.\nEnclosed are copies of my identification and any relevant documentation to assist with your investigation.\nThank you for your prompt attention to this matter.\nSincerely,\nQuindece Smart'

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 2025-09-16 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: MD

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of XXXX XXXX, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
For some reason a XXXX payment was not due so on XX/XX/year> I determined to make a principal payment of {$1400.00} on XX/XX/year> and it was suspect because you can only make payments on a XXXX party platform XXXX. So I called because I started to pay extra dollars every month because the new automobile was not worth the {$35000.00}, it was only worth {$25000.00} and I was over debit vs the value, with close to 15 % interest rate. 

My goal is to pay the principal so I can sell or trade in the vehicle to have a loan to value reasonable ratio. In essence, I was given a loan on a vehicle where the vehicle was undervalued. 

XXXX. Santander XXXX would not accept principle payments on line, there is no capability through there XXXX party technology partner XXXX. The only way to make a principle payment is by making it inconvenient, have to call into the Loan Center. Then they will take a principle payment but will deduct interest first ; they also disappoint customers by stating verbally to make double payments, so if you only have, for example, {$200.00}, they will take interest first and its sways to make the consumer feel they are more indebited to them XXXX. I have tried to make XXXX ( XXXX ) principle payments this month XXXX. Customer Service Representatives and the Executive Offices do not tell customers consistent messaging XXXX. On the initial call I asked to have my payments reapplied and they would not XXXX. They called me today, not the other way around and I still do not have sound reasons why except that I mentioned CFPB escalation XXXX. They are auditing my account but have not received the results XXXX. Still no resolve why I didnt have a XXXX payment due XXXX. They insinuated there back office would determine the split between early principle payments then another representative stated I never asked XXXX. They had me on hold, disconnected, never called back and I had to call them XXXX. Santander will not refinance at lower rates even with good payment history, you have to go apply at another company XXXX. I cant until XXXX payoff {$7000.00} to {$10000.00} in cash to be above water XXXX. I am renting the automobile on XXXX to make the extra money to pay it off, but they wont accept a full principle payment XXXX. I do not have all the documentation XXXX. These are the employee numbers nor could I active the account email encryption to download loan disclosures to read

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I received a letter from CBE XXXX stating they have the right to collect a debt never owed, No proof of contract I signed. I never did business with they, Mean while my husband is receiving collection also due to the fact XXXX, XXXX  and XXXX  have had a cyber data breach. causing all information to get mixed up and crossing my name with other people. XXXX  sent me a letter, XXXX  sent a letter saying they don't know who is who..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
What Happened Cavalry Portfolio Services continues to send me the same form letter in response to my validation requests. Despite my certified mail dispute ( and follow-up email ), they have never provided the original signed agreement or chain of title showing they own the alleged debt. Instead, they recycle a generic statement claiming the information is 'accurate ' or 'verified, ' which does not meet the requirements of XXXX U.S.C. XXXX. 
Why This Is a Problem- This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires a debt collector to provide proper validation of a debt upon request. 
- It is also a violation of the Fair Credit Reporting Act ( FCRA ) if Cavalry continues reporting the account without marking it as disputed or providing documentation. 
- Their refusal to supply the requested documents has caused confusion, wasted time, and threatens harm to my credit standing. 
What I Want I request a full investigation into XXXX failure to provide proper validation. Specifically, I request : - Removal of the alleged debt from my credit reports unless Cavalry provides competent evidence, including : Original signed agreement, Complete chain of title from the original creditor to Cavalry, Full account history with itemized transactions.

- Confirmation that Cavalry will cease collection activity until validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-16 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally challenging the fraudulent accounts appearing on my credit report. These accounts were not authorized by me and are not associated with my financial activity. Their presence is false, misleading, and damaging, creating an inaccurate picture of my financial history.

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 2025-09-16 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing inaccurate late payment entries reported by Wells Fargo. 

These lates are the direct result of bank error, not consumer fault. I made the payments on time my bank statements clearly show funds were available and transactions were attempted. Wells Fargo failed to properly process these payments and is falsely reporting them as delinquent. 

Despite multiple disputes and providing documentation, Wells Fargo has refused to conduct a reasonable reinvestigation, which violates FCRA XXXX ( 15 U.S.C. 1681i ) and FCRA XXXX ( 15 U.S.C. 1681s-2 ). Their continued reporting of inaccurate negative information is damaging my credit history and preventing me from accessing fair credit opportunities. 

This is a fraudulent practice and a clear violation of my consumer rights. I demand the immediate deletion of all inaccurate late payment entries. 

If Wells Fargo does not correct this, I will pursue every legal remedy available, including further regulatory complaints, escalation to executive offices, and legal action for willful noncompliance under the FCRA. 

Sincerely, 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