vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
In XX/XX/XXXX, I made a shocking discovery. Someone has stolen my identity and used my name to open a fraudulent account without my knowledge. I never authorized any of this. I feel violated and afraid. This situation has caused me deep stress and sleepless nights. This is the account mentioned : XXXX  XXXX - Credit card - Opened on XXXX. I dont know that company. Please act fast. I need this nightmare to end.

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 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report is showing inaccurate information and errors

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 2025-08-11 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:
My credit report is showing inaccurate information and errors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am a victim of identity theft, and multiple unauthorized credit inquiries have been made without my consent. These inquiries are damaging my credit profile and were not initiated by me. I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) and am disputing these inquiries under my rights granted by the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Inquiries : - 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations : - * * FCRA 1681b * * : A consumer reporting agency may only furnish a consumer report for a permissible purpose. These inquiries were not authorized and do not meet the permissible purpose requirement.

- * * FCRA 1681i * * : Requires a reasonable reinvestigation of disputed information within 30 days.

- * * FCRA 1681c-2 * * : Requires blocking of information resulting from identity theft within 4 business days upon receiving proof. 
- * * 15 U.S.C. 1681n & 1681o * * : Establish civil liability for willful or negligent noncompliance with the FCRA.

Resolution Requested : I am requesting the * * immediate and permanent removal * * of the above-listed unauthorized inquiries from all of my credit reports with Equifax, Experian, and TransUnion. I also request written confirmation that these inquiries have been removed, and that my file is flagged to prevent future unauthorized access without proper verification.

Attachments : - FTC Identity Theft Report This matter is urgent, and I request resolution without delay to prevent any further harm to my credit and financial standing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ragan & Ragan, P.C.
State: GA

Complaint narrative:
XXXX XXXX  I received a letter from Ragan & Ragan about a debt owed back about 8 or 9 years ago about a vehicle that was purchased and repossessed. I spoke with someone today from that debt collector. He told me that they requested my bank statements from my bank. He also said that whomever purchased the vehicle that I owed them {$13000.00}. I told him that I couldn't afford it and didn't make much. He also stated that they were going to take out 25 % from my check. I need to know what I can do to prevent this from happening. I'm barely making it myself and I can't afford to pay this money back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, I purchased something for {$100.00}, but I never received the service. Later, I realized it was a fraud, and I filed a dispute. They told me it would take XXXX  days to get my money back, so I waited. I called the customer service for Chime debit and asked why so long ; they had no answer. I found out today, XX/XX/XXXX, XXXX, that they closed my claim. I said so, you are just going to let them commit fraud and keep my money. I asked for a supervisor and was told they need more evidence. I said it was fraud, but they are not going to send me an answer. And then we were told we can not help you unless you can give us more information. They did not call or email me about anything, just denied and closed my claim even though I did not receive the service I paid for. Because of fraud. They did not seem to care that my money was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have over XXXX inquiries on my credit report that arent somebody stole my identity and have been using my name for things

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 2025-08-11 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I was at work and got several hits on my credit report for inquiry and i was not aware of this

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 2025-08-11 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: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I was at work and got several hits on my credit report for inquiry and i was not aware of this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have provided documentation that I was in a mortgage forbearance and that No payments were due and for XXXX, XXXX, and XXXX proof that the payments were drafted from my account and was never XXXX, or more late. However the credit report agency continued to report my account as over 120 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as a formal complaint regarding inaccurate, obsolete, and unauthorized personal identifying information appearing on my credit report. I am writing to you under the protections of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus maintain accurate and current consumer information.

I have reviewed my credit report from [ Name of Credit Bureau, e.g., Equifax, Experian, TransUnion ] and have identified several pieces of personal information that are incorrect and must be immediately removed and corrected to reflect only my accurate current information. The presence of this misinformation is damaging and may lead to identity theft or other adverse financial actions. 

The following personal identifying information is incorrect and must be removed : Wrong Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Aliases/Wrong Names : 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 Former/Incorrect Employers : XXXX XXXXXXXX I am requesting that your office initiate an immediate investigation into this matter and order the credit bureau to remove this inaccurate, obsolete, and unauthorized information from my file. Please take the necessary steps to ensure that only my correct and current personal information is listed. 

I expect a response from your office regarding the outcome of this complaint. Thank you for your time and attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as a formal complaint regarding inaccurate, obsolete, and unauthorized personal identifying information appearing on my credit report. I am writing to you under the protections of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus maintain accurate and current consumer information.

I have reviewed my credit report from [ Name of Credit Bureau, e.g., Equifax, Experian, TransUnion ] and have identified several pieces of personal information that are incorrect and must be immediately removed and corrected to reflect only my accurate current information. The presence of this misinformation is damaging and may lead to identity theft or other adverse financial actions. 

The following personal identifying information is incorrect and must be removed : Wrong Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Aliases/Wrong Names : 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 Former/Incorrect Employers : XXXX XXXXXXXX I am requesting that your office initiate an immediate investigation into this matter and order the credit bureau to remove this inaccurate, obsolete, and unauthorized information from my file. Please take the necessary steps to ensure that only my correct and current personal information is listed. 

I expect a response from your office regarding the outcome of this complaint. Thank you for your time and attention to this important 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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-11 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: FL

Complaint narrative:
XXXX XXXX ) has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law. 
FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted.

Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.

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 2025-08-11 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: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc.
State: CO

Complaint narrative:
There are two issues here, I am complaining about Avant. I had a personal loan with Avant, original loan was for {$15000.00}. I know owe approximately {$10000.00}. In XXXXXXXX XXXX XXXX I took out a personal loan with XXXX XXXX to consolidate some debt. XXXX XXXX directly sent a check for {$10000.00} to Avant with my Contract ID number listed on the check. XXXX XXXX has verified that the Check was cashed by Avant on XX/XX/year> and XXXX XXXX has provided me with the check number. 

I originally check with Avant on XX/XX/year> to see why my account had not been credited with the {$10000.00}. Avant indicated they don't show a payment to the account. So I contacted XXXX XXXX who informed me that the check had been cashed by Avant on XX/XX/year>. After several phone calls with Avant and being told someone would contact me I have heard nothing. I then started eamailing the company on XX/XX/XXXXXXXX XXXX XXXX All I get is a response that the " email has been received '' and a second and third email with a " please feel free to contact customer service '' for assistance. I called Avant again today, XX/XX/year> and after nothing being indicated in my file, according to the person on the phone, I asked to speak with a supervisor at Avant. I was placed on hold and then was told no supervisor was available to assist me. I then emailed the company with an update of today 's conversation and informed them I would be filing with CFPB. 

I wish I had asked to recieve the money and pay the loan directly myself, but XXXX XXXX offered a lower interest rate if they could pay the loans directly. I will never do this again. 

I do feel like this is theft or some type of fraud on Avant 's end and the lack of help or assistance from Avant just reinforces this. I am not sure how a company loses {$10000.00}. If they weren't sure where to credit the check they should not have cashed it. 

Please let me know what my next steps are to take in this matter of locating my {$10000.00}. I know owe on the loan to Avant and to XXXX XXXX. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Global Lending Services LLC
State: TN

Complaint narrative:
Spoke with XXXX, XXXX  advised me to contact creditor in order to remove unauthorized inquiry. I contacted creditor and they have no record of me. Advised me that removal is up to the XXXX  credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Hard inquiry on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-11 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: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation