vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXX XX/XX/XXXX I am submitting this formal complaint regarding multiple unauthorized hard inquiries that appear on my credit reports, which I did not initiate or authorize. These inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ) and 1681i.

The following inquiries are fraudulent and must be removed immediately : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX TransUnion, experienced & equifax I have never applied for credit, goods, or services with these entities and did not authorize any such access to my credit file. Under FCRA 1681b, a hard inquiry requires my express written consent, which I did not provide.

I have already contacted the credit bureaus, and now I am escalating this issue through the CFPB to demand proper resolution. I am requesting the following : 1. Immediate removal of all unauthorized inquiries from my credit reports with TransUnion, Equifax, and Experian.

2. A detailed investigation report showing what verification process ( if any ) was conducted with my written consent documentation.

3. Confirmation that these inquiries will no longer impact my credit score or reports.

Under FCRA 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to verify disputed information within 30 days or delete it if unverifiable.

Please treat this as a formal complaint and take immediate action. I am attaching a copy of my ID, proof of address, and a copy of my credit report highlighting the fraudulent inquiries. 

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 2025-06-27 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: FL

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXX XX/XX/XXXX I am submitting this formal complaint regarding multiple unauthorized hard inquiries that appear on my credit reports, which I did not initiate or authorize. These inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ) and 1681i.

The following inquiries are fraudulent and must be removed immediately : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX TransUnion, experienced & equifax I have never applied for credit, goods, or services with these entities and did not authorize any such access to my credit file. Under FCRA 1681b, a hard inquiry requires my express written consent, which I did not provide.

I have already contacted the credit bureaus, and now I am escalating this issue through the CFPB to demand proper resolution. I am requesting the following : 1. Immediate removal of all unauthorized inquiries from my credit reports with TransUnion, Equifax, and Experian.

2. A detailed investigation report showing what verification process ( if any ) was conducted with my written consent documentation.

3. Confirmation that these inquiries will no longer impact my credit score or reports.

Under FCRA 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to verify disputed information within 30 days or delete it if unverifiable.

Please treat this as a formal complaint and take immediate action. I am attaching a copy of my ID, proof of address, and a copy of my credit report highlighting the fraudulent inquiries. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: TX

Complaint narrative:
Mortgage company keeps raising my mortgage payment original amount was XXXX it is now XXXX dollars company states escrow account shortage. But will not produce documents supporting claim

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Open account at NAVY FEDERAL CREDIT UNION. Transfer money by XXXX in the amount of {$2500.00} into the account. I applied for a secured credit card. A couple of days later I was knocked out of the app. I was told I need to submit a form and appeal form to Security fraud department. I submitted the form twice provided all the documentation that they have requested. Now theyre claiming I have an old account and want me to merge the account which I refuse to do. The account was closed on their behalf however NAVY FEDERAL CREDIT UNION refuses to allow me to withdraw my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I am writing to sincerely request a goodwill adjustment regarding my XXXX  account, which was opened on XX/XX/XXXX ( Account # XXXX ). I greatly appreciate the opportunity to have done business with you. 

In XXXX and XXXX, I experienced late payments that were reported to the credit bureaus ( specifically in XXXX and XX/XX/XXXX, and XX/XX/XXXX ). These occurred during a time of significant personal hardship due to the loss of a close family member. The emotional toll and unforeseen responsibilities during that period regrettably impacted my ability to stay on top of my obligations. 

I take full responsibility for these oversights, and as you can see from my history, I have since made consistent efforts to bring my account current. I am committed to maintaining good credit practices moving forward. 

I respectfully ask if you would consider removing the reported late payments from my credit report as a gesture of goodwill. This would truly help me as I continue to recover financially and emotionally from that difficult period. 

Thank you very much for your time and consideration. I look forward to your positive response. Please let me know if any additional documentation or information is required. 

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 2025-06-27 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: Nelnet, Inc.
State: MI

Complaint narrative:
I was scammed out of my college degree by my own government. COVID happened while attending a school over XXXX miles away from home. They closed the school, took away my campus, forced to live in XXXX XXXX ( somewhere I could not afford ) and still report negatively on credit report. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 explanation
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-27 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
b'I am excited for the new opportunity with your company. I have experience in a variety of different fields. I worked on complex issues like XXXX XXXX XXXX as well as worked on tedious projects, like setting up hundreds of users in XXXX XXXX XXXX XXXX  When I worked for XXXX, we fully supported our clients. I supported software, performed server moves, XXXX XXXX, and helped end users with workflow. We resolved any issue with our XXXX software. I closely worked with our development department to XXXX XXXX XXXX XXXX XXXX XXXX.\n\n\nXXXX XXXXn\nOur bunny loves your. Products. I made a Commercial for you on XXXX XXXX XXXX would love to make more commercials for you or join an affiliate program you may have.\n\n\nXXXX XXXX XXXXXXXX XXXX\n\n\n\nXXXX XXXX  old friend, I talked to your uncle today At XXXX. I dropped off my son At archery practice, and was looking around the highlands.\n\nXXXX XXXXXXXX\nHand lotion\n\n\nXXXX XXXXollars flat no tax and I can get 1 line free for a year. After that its XXXX but I can call back and get it for XXXX\n\n\nClaim number XXXX XXXXXXXX  \n\nXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said the fee would be waved canceled XXXXn\n\n\n\nWhen signing up for the credit card, there was no mention of the annual fee. When I noticed the fee through the app I called. The first person I spoke to said I had to pay the fee even if I canceled the card. I just opened the account and have not had the card for a month. I asked to speak to a supervisor and was transferred me to XXXX XXXX XXXXXXXX XXXX said they could not wave the fee and there was no way of getting around paying the fee.I told him I was going to file a complaint with the CFPB. He then said if I canceled the card I would not have to pay the fee. This is a dishonest practice and needs to be stopped. Until I said I was going to file a compliant they were trying to make me pay a XXXX fee to use the card. I asked to speak to a supervisor because he told me something different. I spoke to Stella (employee XXXX  She said she was a supervisor. I asked her to wave the fee and she said she would not be able to do that. I asked if I canceled the card now would I have to pay the fee. We went back and forth. She finally said I would not have to pay the fee if I canceled now. She went over a lot of verbiage but I could not understand half of what she said. She said I would get a refund in a couple months. I said I have only had the card less than a month. She said I would not have to pay the fee and would not have to pay interest on the fee. This Is a predatory practice. They are trying to force people to keep their credit card.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: VA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit scoreXXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-06-27 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: CA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NV

Complaint narrative:
Upon reviewing my consumer reports, I had discovered some instances on late payments on an account for which I have always maintain timely payments. Consumer reporting agencies play a critical role in accuracy, reporting consumer information. It is imperative that this information be reported with utmost accuracy I have never missed a payment on the following account [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX  ] I requested thoroughly investigation into the discrepancies and encourage you to provide the evidence such as statements demonstrating the lateness of these payments if unable to furnace, such proof or demand these payments be permanently updated to reflect their true status as on time I have consistently appealed my payment, obligations without delay

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 2025-06-27 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:
The bureaus are reporting conflicting and inaccurate data in violation of FCRA 1681e ( b ). Metro 2 formatting and reporting dates are inconsistent, including : Different open/closed/last activity dates Incorrect payment history Incomplete account remarks Lack of verification or monthly reporting Ive submitted letters to TransUnion, Equifax, and Experian XXXX plus a highlighted screenshot of the errors. This account has not been properly verified and should be removed unless full Metro 2compliant evidence can be produced. I request CFPB support to resolve 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 non-monetary relief
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-27 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: NV

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: FL

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 non-monetary relief
Consumer complaint received 2025-06-27 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief