vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to report a serious issue involving an unauthorized credit card account that was opened under my name through Best Buy. I did not authorize this account, and I believe I may be a victim of identity theft. 

I became aware of the account when I saw a new credit line from Best Buy on my credit report. I immediately filed a dispute, but to date, it has not been resolved. As a result, my credit score has been negatively impacted through no fault of my own. 

Here are the relevant details : Date noticed : XX/XX/XXXX account opened without my consent on XX/XX/year> I am requesting : XXXX. Immediate closure of the fraudulent account. 
XXXX. Removal of any related entries from my credit report. 
XXXX. Reversal of any impact on my credit score. 
XXXX. Written confirmation that this matter has been resolved. 

Ive also reported this incident to the FTC and placed a fraud alert with the credit bureaus. Please treat this as a high-priority case and respond as soon as possible. 

Thank you for your urgent 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 2025-07-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXXXXXX  SSN ( last 4 digits ) XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Cease and Desist Removal of Fraudulent Accounts and Inquiries from My Credit Report Dear Whom it May Concern, I am writing to formally demand that you immediately cease and desist from reporting, retaining, or disseminating fraudulent and unauthorized inquiries and accounts associated with my credit profile. 

I, XXXX XXXX XXXX, have not authorized or initiated any of the following inquiries or accounts. They are a result of identity theft, and I am requesting immediate investigation and permanent removal from my credit file : Unauthorized Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Fraudulent and Disputed Accounts : XXXX {$9200.00} Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$420.00} Reported XX/XX/XXXX ( Closed ) XXXX XXXX XXXX XXXXXXXX {$460.00} Reported XX/XX/XXXX ( Closed ) XXXX XXXX XXXX XXXX {$0.00} Reported XX/XX/XXXX ( Closed ) XXXX {$0.00} Reported XX/XX/XXXX ( Closed ) XXXX XXXX XXXX  {$790.00} Reported XX/XX/XXXX ( Closed ) XXXX  {$420.00} Reported XX/XX/XXXX ( Closed ) XXXX {$0.00} Reported XX/XX/XXXX ( Closed ) XXXX {$1000.00} Reported XX/XX/XXXXXXXX  ( Closed ) These items are fraudulent, and I did not authorize them at any time. I have already filed a formal identity theft report and submitted complaints to the FTC via IdentityTheft.gov. I am also pursuing legal options as necessary. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my right to dispute inaccurate, unauthorized, and fraudulent information. 

I demand that : 1. All listed fraudulent inquiries and accounts be deleted immediately from my credit file.

2. A confirmation letter be sent to me in writing verifying their permanent removal.

3. My credit report be corrected and updated across all three credit bureaus. 

Please consider this a formal notice and Cease and Desist from reporting these accounts and inquiries, which were made without my consent and constitute a serious violation of my consumer rights. 

Sincerely, XXXX XXXX XXXX Signature :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I am submitting this complaint against TransUnion regarding multiple unauthorized hard inquiries listed on my credit report dated XX/XX/XXXX. These inquiries were not initiated or authorized by me. I did not apply for credit with the companies listed below, and I have no prior relationship with many of them. 

Despite not granting permission, the following companies accessed my TransUnion credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require explicit consumer consent, typically through a signed application or written authorization. I have requested that TransUnion investigate and remove these inquiries, as they are causing unnecessary harm to my credit standing. 

To date, these inquiries remain on my report without resolution or adequate explanation. I am requesting that the CFPB assist in ensuring these inquiries are properly investigated and permanently removed from my TransUnion file if they are found to be unauthotheorized.

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 2025-07-13 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 reviewed my credit report and found one or more hard inquiries that I did not authorize or initiate. These inquiries are damaging my credit profile and were not tied to any application I submitted. 

I contacted the credit reporting agency and the furnisher of the inquiry, but they failed to provide proof of authorization. Under the Fair Credit Reporting Act ( FCRA ), no company or agency is allowed to place a hard inquiry on my credit report without my explicit consent or a permissible purpose. 

I am requesting that these unauthorized inquiries be investigated and permanently removed from my credit file, as they violate my rights under the FCRA. 

I have attached documentation and screenshots showing the inquiries in question, and I respectfully ask the CFPB to help enforce my rights and hold the credit bureau accountable. 

I have attached my FTC Identity Theft Report and other supporting documents to confirm that I am actively addressing this fraud. I respectfully ask the CFPB to help enforce my consumer rights and hold the credit bureau accountable for correcting this violation. 
Equifax, TransUnion, and Experian are all reporting unauthorized inquiries that are the result of identity theft. '' TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian you refuse to follow the law and show a contract where I granted permission for said companies to report to you, you cannt read because collecting information from just furnisher is not verification where is the contract stating I allow these accounts to be reported : THERE ISNT ANY you are in violation of the fair credit reporting act 3 times now I requested the information you do not have or refuse to give making this felony fraud on your part. Im not asking for verification just where I signed to allow reporting you state you contacted furnisher but did not get contract stating where I allowed reporting, respond through the CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
Someone opened a XXXX XXXXXXXX XXXX XXXX in my Name without my consent. Late Payments are on my credit report hindering me from getting anything. Please delete this account from my credit 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 explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
RE : Account Name : CAINE & WEINER Account # XXXX Amount : {$720.00} Subject : Formal Demand for Immediate Deletion of All Accounts from Credit Report RE : Violation of 15 U.S. Code 1681b ( a ) ( 2 ), 1692c, 1692g, and 1681e ( b ) This serves as a formal dispute and demand for the immediate deletion of all accounts listed on my credit report as they are being reported and maintained in violation of federal law. The following statutes support my request and outline your responsibilities and liabilities under the law : Violations of Federal Law 15 U.S. Code 1681b ( a ) ( 2 ) You are prohibited from furnishing my credit report without my written instruction or permissible purpose. I have not granted authorization for any third-party to access, review, or report any account under my name. Any account listed without my direct consent constitutes a clear violation of this section.

15 U.S. Code 1692c ( FDCPA - Communication with Consumer ) Debt collectors and furnishers are restricted in how and when they may contact a consumer. Continued reporting or communication of these accounts without verified validation or my permission is in violation of this section. You are legally obligated to ensure that communication was conducted lawfully before allowing such data to be included on my report.

15 U.S. Code 1692g Under this section, debt collectors must provide full validation of any alleged debt within XXXX days of initial contact. If a debt is not validated or is disputed, it must not be reported. These accounts lack verified, lawful validation and must be deleted from my credit file.

15 U.S. Code 1681e ( b ) Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Failing to verify and validate accounts before including them in my file violates this section. Any unverified, inaccurate, or unauthorized account is a breach of this statute.

Demand for Action I hereby demand that you : Immediately delete all accounts listed on my credit report, as they were reported unlawfully and without my consent.

Provide me with an updated and corrected copy of my credit report reflecting zero accounts within XXXX days as required by 15 U.S. Code 1681i. 
Notice of Liability If these accounts are not removed within the required time frame, I will consider your agencies to be in continued violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ) File complaints with the Federal Trade Commission ( FTC ) Seek legal remedy and damages for negligent and/or willful noncompliance under 15 U.S. Code 1681n and 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: EdFinancial Services
State: SC

Complaint narrative:
The debt has been settled and paid the debt in full, and I would like to have it removed from my credit history as I believe this will help accurately reflect my current credit standing. 
Here are the details of the paid debt : XXXX. XXXX Account Number : XXXX Date of Debt Payment : XX/XX/XXXX Amount Paid : {$19000.00} & {$26.00}, XXXX XXXX. XXXX XXXX XXXX Account Number : Date of Debt Payment : XX/XX/XXXX Amount Paid : {$23.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called them regarding linking a secondary new credit card to my existing account. They provided me steps to take, all of which I performed seven or more times with different representatives from the digital and standard department. These steps did not resolve the issue and they stated the issue would be escalated and someone would be contacting me by phone which has yet to happen. I called again to discover they had never escalated the issue two weeks later on address the concern in the notes. I explained how dire my situation was and I needed that card or I would lose my home. I am now homeless in XXXX, XXXXXXXX XXXX with no access to my virtual card nor have I received my physical copy. I have spoken to tech support and supervisors and they are all seemingly incapable of resolving this issue with any sense of urgency or care. This all began mid XXXXXXXX XXXX XXXX  I am beyond upset and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want someone to answer for this and I am taking this beyond just gaining access to my card, they need to make this right by me and my health and safety. I am a XXXX XXXX XXXX woman with no children, no criminal history, no substance issues, and now XXXX XXXX XXXX XXXX XXXXXXXX XXXX  because some tech people don't care to follow through with their promises and job description? I think not. Someone needs to answer for this. I will be contacting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi, XXXX XX/XX/year> Experian XXXX. XXXX XXXX, XXXX, TX XXXX To Whom It May Concern : I am writing to dispute the following inaccurate information on my credit report under Section 611 of the Fair Credit Reporting Act. Please reinvestigate and delete or correct the information if it can not be verified. 

XXXX. Creditor : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : This account was paid in full on XX/XX/year>XXXX  yet it continues to show as open and past due. 


Enclosed are copies of my credit reportwith the disputed items circled/highlightedand supporting documents such as payment records, receipts, or identity proofs. I have also included a copy of my drivers license and a recent utility bill. 

Please complete your investigation within 30 days of receiving this letter, as required by FCRA. If you can not verify the accuracy of any of these items, I request their permanent deletion from my credit file and notification to all recipients of my credit report within the past six months.

I am sending this letter via certified mail, return receipt requested, and will keep copies of all correspondence. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX To Whom It May Concern : I am writing to dispute the following inaccurate information on my credit report under Section 611 of the Fair Credit Reporting Act. Please reinvestigate and delete or correct the information if it can not be verified. 

XXXX. Creditor : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX XXXX, Avant________________________ Account # : XXXX Balance : XXXX $ XXXX Date Opened/Reported : XXXX Reason : This account was paid in full on XX/XX/year> yet it continues to show as open and past due. 


Enclosed are copies of my credit reportwith the disputed items circled/highlightedand supporting documents such as payment records, receipts, or identity proofs. I have also included a copy of my drivers license and a recent utility bill. 

Please complete your investigation within XXXX  days of receiving this letter, as required by FCRA. If you can not verify the accuracy of any of these items, I request their permanent deletion from my credit file and notification to all recipients of my credit report within the past six months. 

I am sending this letter via certified mail, return receipt requested, and will keep copies of all correspondence. Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hunt & Henriques
State: CA

Complaint narrative:
I became permanently XXXX in XXXX  due to XXXX  health issues, XXXX  XXXX, and XXXX, and receive SSXXXXI as my sole income, protected from collection under 42 U.S.C. 407 ( a ). I disputed a delinquent account with XXXX, but the status remains unchanged, which is incorrect given my protected status. Continued harassment from a debt collector, including legal threats, severely worsens my XXXX  health, violating 15 U.S.C. 1692c ( c ). I request XXXX  correct or remove the account status. 

Ive contacted them through phone, and as well there online portal i submitted MULTIPLE times on there dispute system, its not my responsibility to babysit them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
Eastern Account system reported that I owed XXXX  for a bill which is {$260.00}, and some equipment for {$400.00}. I inquired about this debt asking for proof. It was returned verified which is impossible because I have never had XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
I am writing to formally dispute the validity of a collection account that appears on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The account in question is as follows : Creditor Name : XXXX XXXX XXXX  XXXX  XXXX  : Aldous and Associates Account Number : # XXXX XXXX XXXX Amount : {$130.00} Date Opened/Reported : XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/year>, I submitted a request online with navy fcu for an auto refinance. Navy fcu was advertising a low interest rate for a used auto loan, per qualifying requirements, my situation seemed to fall right into that category. Upon submitting my info I attempted to review the disclosures on how my credit and my husbands credit would be utilized in determining if we qualified and what the final rate would be, unfortunately I was unable to locate that specific info. unbeknownst to me. I suspected that if I had any questions or concerns, I can call and speak with a loan officer. After application was submitted not only did we qualify, but it returned with a rate of 8 % APR where they were advertising as low as 5.59 %. So when I called to discuss this, I was informed there are absolutely no way know how any individuals that XXXX will speak with me that our loan representatives that review these applications I ended up speaking with a supervisor during my first phone call and a representative the second phone call both calls were witnessed by my husband who can vouch for what Im telling you. The supervisor informed me that although they requested credit information for both myself and my husband that only the primary applicant would be reviewed via credit score little did I know they requested both of our credits to be run yet? They were only using mine, which doesnt make any sense to me because they shouldve never ran my husbands if theyre not gon na consider it for the application Upon speaking with the representative on the second phone call, she advised me and admitted that Navy Federal credit union does not disclose how the credit factors into the qualifications for the auto loans nor can they share with me any information pertaining to that. 
I am filing this complaint for the fact that I dont believe that this credit inquiry should remain on my credit report as there is nothing disclosing how my credit would be utilized therefore, they should not have been allowed to run my information without having that available to me to review first. 
They should also inform the customer that there will be no loan officer available to review and discuss the application once completed before they should run my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation