vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
This complaint is not a mistake. My credit report contains multiple accounts that are being reported inaccurately and do not meet the standard of maximum possible accuracy. These ongoing errors have created significant stress and continue to negatively affect my finances and overall well-being during an already difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing a hard inquiry placed by Capital One Auto Finance on XX/XX/year>. I did not provide consent or authorization for Capital One Auto Finance to access my consumer report. 

Under 15 U.S.C. 1681 ( a ) ( 2 ), a consumer report may only be accessed with a permissible purpose. No such purpose has been demonstrated.

Reporting this inquiry without proof of authorization constitutes a violation of 15 U.S.C. 1681 ( e ) ( b ) due to failure to maintain reasonable procedures ensuring accuracy.

If this inquiry was conducted in relation to any collection activity, it also violates 15 U.S.C. 1692c and 1692g, as no validation or lawful notice was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Listed below are the Collection Information that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: GA

Complaint narrative:
Delete ites as someone has been usin my identity. It was not by my consent. Can u pls remov all of these so tht the credit report can be fixed?

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 2025-12-19 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: SC

Complaint narrative:
I am writing to formally complain about multiple hard inquiries that appear on my credit report that I did not authorize, apply for, or give permission for. 

I discovered these inquiries after reviewing my credit report and immediately attempted to dispute them directly with the credit bureaus. Despite my efforts, the inquiries continue to appear on my credit file, which has caused unnecessary damage to my credit score and financial standing. 

At no time did I submit applications, provide consent, or authorize any company listed to access my credit report for a hard inquiry. I believe these inquiries were placed in error, without proper verification, or as a result of unauthorized use of my personal information. 

I took responsible steps to resolve this matter by filing an official report with the Federal Trade Commission and submitting written disputes with supporting documentation. Even after following the correct dispute process, these inaccurate inquiries have not been properly investigated or removed. 

These unauthorized inquiries have caused me financial harm, stress, and inconvenience. I am requesting a full and thorough investigation under the Fair Credit Reporting Act. If the companies that initiated these inquiries can not provide valid proof of my written authorization, the inquiries must be removed immediately. 

I am asking that all inaccurate and unauthorized hard inquiries be deleted from my credit report and that my credit file be corrected as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: SC

Complaint narrative:
I am writing to formally complain about multiple hard inquiries that appear on my credit report that I did not authorize, apply for, or give permission for. 

I discovered these inquiries after reviewing my credit report and immediately attempted to dispute them directly with the credit bureaus. Despite my efforts, the inquiries continue to appear on my credit file, which has caused unnecessary damage to my credit score and financial standing. 

At no time did I submit applications, provide consent, or authorize any company listed to access my credit report for a hard inquiry. I believe these inquiries were placed in error, without proper verification, or as a result of unauthorized use of my personal information. 

I took responsible steps to resolve this matter by filing an official report with the Federal Trade Commission and submitting written disputes with supporting documentation. Even after following the correct dispute process, these inaccurate inquiries have not been properly investigated or removed. 

These unauthorized inquiries have caused me financial harm, stress, and inconvenience. I am requesting a full and thorough investigation under the Fair Credit Reporting Act. If the companies that initiated these inquiries can not provide valid proof of my written authorization, the inquiries must be removed immediately. 

I am asking that all inaccurate and unauthorized hard inquiries be deleted from my credit report and that my credit file be corrected as required by 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 explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score.

I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed.

That promise has not been fulfilledthese inquiries still remain.

This failure to act is unacceptable.

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 2025-12-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: PR

Complaint narrative:
On XX/XX/year>, I discovered two unauthorized transactions on my XXXX XXXX/Netspend account totaling {$2100.00} from XXXX XXXX XXXX ( XXXX ) . I immediately submitted a dispute and requested provisional credit under Regulation E ( 12 CFR 1005.11 ( c ) ).

Netspend responded that to qualify for provisional credit, I needed to submit a written notice, which I provided the same day. My account is not a new account, so the 10-business-day investigation period applies.

More than 10 business days have passed, yet no provisional credit has been applied. Netspend continues to claim the investigation will conclude by XX/XX/year>, which violates federal Regulation E requirements. I have submitted all requested documentation promptly and fully complied with their instructions.

I am requesting immediate provisional credit of {$2100.00} while the investigation continues, in full compliance with federal law. If this is not resolved promptly, I expect the CFPB to take enforcement action.

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 2025-12-19 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CA

Complaint narrative:
I am submitting this complaint to report Experians continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The accounts in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Dear CFPB, please see the supporting documentation showing that TransUnion is the only consumer reporting agency still reporting an inaccurate account on my credit report, despite the account being deleted by XXXX  and XXXX  due to 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 non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am writing to formally dispute the accuracy of the following item ( s ) appearing on my credit report. This information is incorrect, incomplete, or can not be verified and should be removed or corrected pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account XXXX XXXX XXXX / XXXX I am writing to formally dispute inaccurate information being reported on my Experian credit report. 

Experian is reporting a collection account from XXXX XXXX XXXX, XXXX, related to XXXX that is inaccurate and does not reflect my true credit history. 

XXXX the original creditor, has already acknowledged that this charge was an error and should never have been billed to my account. Despite this admission, the account was sent to collections and continues to be reported inaccurately on my Experian credit report. 

This same account was previously disputed with XXXX, and after investigation, XXXX  corrected the error and removed the account from my credit report. However, Experian continues to report this invalid collection account. 

I have made multiple attempts to contact Experian by phone to resolve this issue but have been unable to obtain assistance. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure that all information reported is accurate and to conduct a reasonable investigation when a dispute is submitted. 

I am requesting that Experian immediately investigate this matter and remove the inaccurate XXXX XXXX XXXX collection account from my credit report, and provide written confirmation once the correction has been completed. 

This account is the result of a billing error acknowledged by the original creditor and should not be reported in any form.

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 2025-12-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
XX/XX/XXXX I reach out to original owner of debt, XXXX XXXX trying to seek verification and resolve account debt. After looking into the matter, they confirmed that the debt was now under True Accord and provided me an email to contact them, as well as my ID account number XX/XX/XXXX I emailed True Accord with my ID account number asking for information about the debt XX/XX/XXXX I receive response from XXXX XXXX that they received notice of my dispute and have paused collection activity until I was provided documentation of debt. I was told if I provided consent to receive documentation via email that this could get the documentation to me as fast as possible. 

XX/XX/XXXX XXXX consent to receive verification via email XX/XX/XXXX I reach out asking why this debt is still on my credit report when I have asked to resolve it XX/XX/XXXX I receive the same response from XXXX XXXX on XX/XX/XXXX that they received notice of my dispute and have paused collection activity until I was provided documentation of debt XX/XX/XXXX I reach out again frustrated inquiring why this is still on my credit report and is negatively impacting my score when I have repeatedly reached out XX/XX/XXXX I receive same automated response, this time from XXXX about receiving notice of my dispute XX/XX/XXXX I request via email for this to be escalated to a supervisor and attach screenshot of identical automated response from XX/XX/XXXX. I ask : Where is the investigation results from XXXX of XXXX when you started the investigation? Why was this added back onto my credit report causing further damage? 

XX/XX/XXXX I receive same automated response again from XXXX XXXX XX/XX/XXXX I ask if this is a joke and attach the same screenshot of the automated response. I ask my question again : What were the results of this investigation from XX/XX/XXXX for you to put this debt collection back on my credit as delinquent? 

XX/XX/XXXX XXXX emails me and says due to the nature of my request, they want to speak to me on the phone and provide me with a phone number XX/XX/XXXX I refuse to call and say I want everything in writing and that I had previously given my consent to receive results of investigation via email on XX/XX/XXXX. Again, I said to answer my question via email : What were the results of this investigation from XX/XX/XXXX for you to put this debt collection back on my credit as delinquent? 

This has harmed me, my credit score, and taken hours of my life. I want this debt removed. They are using chat bots to respond to these emails which CLEARLY is not working for them. Trying to get me to discuss this matter on the phone to not have records is extremely manipulative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: VA

Complaint narrative:
I just want to Follow up this complaint regarding inaccurate reporting on my credit reports by TransUnion, Experian, and Equifax. My addresses are inconsistently reported, including XXXX XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX in TransUnion, and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX in Experian, which misrepresents my residence and violates my rights under FCRA 611 to dispute inaccurate information, 605 ( a ), 605 ( c ) regarding obsolete information and reporting limits, 623 ( a ) ( 5 ) for accurate dates of delinquency, and 623 ( a ) ( 1 ) ( A ) for accurate reporting. Additionally, a collection account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported in Equifax with a balance of {$58.00} and last activity XX/XX/year>, but no payment history is available and it is not reported in TransUnion or Experian, violating DCPA 809 regarding debt validation rights and FDCPA 807-808 regarding misleading or unfair practices. These errors collectively misrepresent my credit obligations and personal information, creating confusion and potential financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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:
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 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 2025-12-19 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: FL

Complaint narrative:
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 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