vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am writing to formally dispute certain hard inquiries on my credit report that I believe were made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate or incomplete. 

Upon reviewing my credit report, I noticed the following unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, and I request that you investigate these entries and remove them from my credit report. I have attached any supporting documentation to assist in your investigation. 

Please confirm the removal of these unauthorized inquiries in writing. If you need any further information, feel free to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this 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 2025-11-20 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: LA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-20 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: MS

Complaint narrative:
XXXX credit card has been reporting to my credit file with Equifax, Transunion and Experian without my consent. I DID NOT AGREE to be an authorized user on my sons XXXX XXXX account. XXXX is violating my rights and I want this XXXX credit card account removed from all three credit bureaus immediately. I did not authorize to be added as an authorized user remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: OH

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-11-20 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: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 non-monetary relief
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: NH

Complaint narrative:
This is a follow-up to CFPB XXXX # XXXX. 

Oliphants latest response only further demonstrates their ongoing violations of the FDCPA and FCRA. Their statements are factually inconsistent with their prior CFPB submissions, unsupported by documentation, and fail to address any of the core issues raised in my complaints. 

1. Their responses now directly contradict each other.

Across three CFPB filings, Oliphant has provided mutually inconsistent claims regarding : the date of the alleged debt, when validation was supposedly sent, and the basis for their credit reporting. 

Their newest response claims they never stated the debt originated in XXXX, yet their earlier submissions repeatedly relied on a XXXX letter to justify continued collection and reporting. These contradictions are evidence of false, deceptive, and misleading representations in violation of FDCPA 1692e. 

2. Oliphant has still failed to provide ANY legally required validation.

The validation package from XXXX XXXX contains : no original creditor documentation, no signed agreement, no itemization, no chain of title, no proof that my alleged account exists in the purchased pool, and no connection between me and the alleged debt. 

This is NOT validation under FDCPA 1692g ( b ), and continued reporting without verification violates both the FDCPA and FCRA.

3. Their claim of a judgment is unverified and appears fabricated.

Oliphant repeatedly references a judgment allegedly entered on XX/XX/XXXX, yet they have refused to provide : The court, docket number, jurisdiction, copy of judgment, amount, or anything establishing that such a judgment exists or applies to me. 

Making representations about a judgment without proof is a serious FDCPA 1692e ( 2 ) ( A ) violation. Their refusal to supply any documentation suggests the claim is either incorrect or intentionally misleading.

4. Their continued credit reporting violates the FCRA.

Despite multiple disputes filed with : Oliphant, XXXX, the credit bureaus, and the CFPB, the company continues to furnish unverifiable information. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) duty to report accurate information, FCRA 623 ( a ) ( 3 ) duty to report disputed accounts accurately, FCRA 623 ( b ) duty to conduct a reasonable investigation, FCRA 1681i duty of reinvestigation when validations are defective. 

A company can not continue reporting a debt they can not validate. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WAFD BANK
State: OR

Complaint narrative:
So I had opened it a XXXX XXXX account and I was working for a lady and her name was XXXX XXXX and I was working for her and she ended up giving me some fraudulent checks I guess and now I owe $ XXXX XXXX XXXX  XXXX and XXXX would like to fix that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I closed my American Express account earlier this year and, at the time of closure, I paid what I was told was the full remaining balance. American Express will not allow you to close an account with an active balance, so I paid the amount shown and believed my balance was {$0.00}. 

After the account was closed, American Express did not send me any mailed billing statements or written notices showing that a balance still existed. They only sent email alerts, which I did not receive. I was never provided physical statements or proper written notifications of any additional balance, residual interest, or new charges after closure. 

Under Regulation Z ( Truth in Lending Act, 12 CFR 1026.5 ( b ) ( 2 ) ), the creditor is required to provide periodic billing statements for any cycle in which a balance is due, even if the account is closed. They must send statements in a form that the consumer can reasonably receive. Email alone does not satisfy this requirement, especially after an account is closed. 

Because I was never mailed a billing statement or provided proper written notice, I was unaware that any amount was still owed. American Express then reported two late payments to the credit bureaus ( 30- and 60-day late ), which severely and unfairly damaged my credit score. 

These late payments were caused by American Expresss failure to send the required billing statements after account closure. I paid the balance immediately once I finally learned about it. 

I am requesting the CFPBs assistance to have American Express correct and remove the inaccurately furnished late payments from XXXX, XXXX, and XXXX  because the delinquency resulted directly from the creditors failure to provide legally required notices and mailed statements. 



What resolution I want : I am requesting that American Express : Correct the inaccurate credit reporting, and Remove both late payments from all three credit bureaus ( XXXX XXXX XXXX  ). 

These late marks are the direct result of AMEXs failure to provide required written billing statements after account closure. 



Company : American Express Product : Credit Card Account Status : Closed, balance paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ChexSystems XXXX ID : XXXX CHEXSYSTEMS, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern, I am writing to formally dispute several items that appear on my ChexSystems XXXX XXXX I do not recognize the following accounts in question. I am a victim of identity theft, and these accounts were opened and reported without my knowledge, authorization, or consent. Because these entries are fraudulent, I am requesting that they be deleted from my ChexSystems report immediately. 
Fraudulent Account ( XXXX ) Reported : Source : XXXX XXXX  Routing Number : XXXX Account Number : XXXX Date of Closure : XX/XX/XXXX Charge Off Amount : {$21000.00} Status : Unpaid Reported As : Account Abuse Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am requesting immediate reinvestigation and deletion of all fraudulent information under the following sections : FCRA 602 ( A ) : Consumer reports must be fair and accurate. 
FCRA 611 ( A ) : Unverified or inaccurate information must be corrected or deleted. 
FCRA 605B : Identity-theft-related information must be blocked upon notification. 
Accordingly, I request the following : 1. Immediate deletion of all fraudulent accounts appearing on my ChexSystems file ; 2. Written confirmation of all deletions ; 3. Notification to any institutions that previously accessed or relied on the inaccurate information.

I affirm under penalty of perjury that I am a victim of identity theft, and the accounts listed do not belong to me. 
Thank you for your prompt attention to this matter. 
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
Consumer complaint received 2025-11-20 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: OH

Complaint narrative:
I am disputing two unauthorized hard inquiries on my credit report. I did not give permission or authorization for any company to pull my credit. These inquiries were made without my consent and without a valid permissible purpose under the FCRA. 

The companies are : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
on XX/XX/XXXX, I was scammed out of {$1500.00}. It was a XXXX scam for a car. I immediately realized that it was a scam and canceled the transaction with my bank so that funds could not be withdrawn. Venmo tried to complete the transaction but they couldnt therefore they extended credit to me without my authorization they are requesting that I pay them {$1500.00} to cover the debt which I never approved. They also seized {$250.00} that was deposited into my account after the date of this transaction. I submitted a dispute with them but they have denied by this new. I am now following up with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was scammed out of {$20000.00} yesterday. I got a call from a guy saying he was with Bank of America fraud department. He said a XXXX XXXX had initiated a {$20000.00} wire transfer from my account to her XXXX XXXX acct. 
As I was talking to him I looked up the number he was calling me from and it is actually the number for Bank of America in XXXX. I even called it later yesterday and confirmed it was their number. That is what made me believe it was legit. He instructed me that I needed to go to the bank and deposit that amount of money into a new acct he had set up for me. I did that and then asked the bank and they said it was a scam He said I had to do that because even though my acct was frozen now he couldnt help me with the {$20000.00} that was already being processed and it needed to be deposited in a seperate account. The fraud department was called and I was on the phone with them going over all of this. At the end of the conversation I was told I would not get my money back and that she was not even going to file a claim or investigate!!! Even though the transaction had just been completed I was told it was too late and they could not reverse it due to a lawsuit that person might file if they took the money back. REALLY! They are afraid of a lawsuit from a criminal! That is a huge amount of money for me! I am just hoping there is something that can be done.

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 monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-20 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief