vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: PA

Complaint narrative:
: Unauthorized Hard Inquiries on My Credit Report Report Date : [ Insert Report Date ] SSN ( last 4 digits ) : XXX-XX- [ # # # # ] To Whom It May Concern : I am writing to formally dispute unauthorized hard inquiries that appear on my credit report maintained by your bureau. These inquiries were made without my knowledge or explicit consent, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, and Pennsylvanias Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 et seq. ).

The following hard inquiries are unauthorized and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 604 ( a ) ( 3 ), a credit reporting agency may only furnish a consumer report if the party requesting it has a permissible purpose. I did not authorize any of the above entities to access my credit file, and I demand proof of permissible purpose in accordance with FCRA 609 ( a ) ( 1 ).

Furthermore, Pennsylvania law prohibits the use of deceptive or misleading practices in connection with credit extensions. Unauthorized inquiries may constitute an unfair credit practice under 73 P.S. 2270.4.

I am asserting my rights under both state and federal law. If you can not provide documented proof of my authorization or the permissible purpose for each inquiry listed above, these inquiries must be removed within 30 days as required by FCRA 611 ( a ).

If this matter is not resolved, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. I am also prepared to pursue legal remedies for willful noncompliance, which may include statutory damages under FCRA 616 and 617.

Please confirm in writing when the unauthorized inquiries have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IA

Complaint narrative:
I got a peak at my recent credit report and notice a lot of accounts that are not mine. I am disturbed that my account is being used the way it is.

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 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist All Communication Regarding Alleged Debt Account XXXX XXXXXXXX To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with the above-referenced account number. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all further contact with me. 

You are hereby notified to immediately cease and desist all communication with me, whether by phone, mail, or any other means, regarding this matter. Failure to comply with this request will constitute a violation of the FDCPA and may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as possible legal action. 

Please be advised that this letter does not constitute an acknowledgment of the validity of the alleged debt. I am requesting verification of this debt under 15 U.S.C. 1692g ( b ) if you intend to pursue collection efforts through legal channels. 

Thank you for your immediate attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO

Complaint narrative:
On XX/XX/year> I took my vehicle in to the XXXX XXXX XXXX in XXXX, AZ for service. I was not provided with the service I went in for, i received my vehicle back in worse condition. I disputed the charge with Security Service Federal Credit Union, submitted a statement with supporting evidence that the shop did not perform what I went there for. I called several times and the credit department that handles disputes gave me the runaround over and over. Finally I was told they couldnt do anything because the shops merchant services company stated that the shop submitted sufficient evidence and the dispute was closed. If they would have read the information I sent in they would clearly see this wasnt the case. They put the charge back in my card. I paid off the card with a XXXX payment however this charge and its interest has been reported to all bureaus as several late payments having a severely adverse impact on my credit score and ability to get new credit. SSFCU closed my account with negative remarks as well. Every single time Ive called they transfer around from department to department with each saying theres nothing they can do.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fair Credit Act all 3 credit bureau address inaccurate still on my credit report. XXXX XXXX XXXX XXXX XXXX Pa XXXX is not my address never lived there cosigner for a loan please remove from my credit. XXXX XXXX XXXX XXXX  XXXX pa XXXX my parents home no longer live there XXXX. XXXX XXXX XXXX XXXX Pa no longer at that location. Family please remove these address from my 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 2025-07-27 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: PA

Complaint narrative:
Fair Credit Act all 3 credit bureau address inaccurate still on my credit report. XXXX XXXX XXXX XXXX XXXX Pa XXXX is not my address never lived there cosigner for a loan please remove from my credit. XXXX XXXX XXXX XXXX  XXXX pa XXXX my parents home no longer live there XXXX. XXXX XXXX XXXX XXXX Pa no longer at that location. Family please remove these address from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This company has written this loan as a charge off profit loss and refused to send me the 1099c form which is a violation of the fcra.

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 2025-07-26 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: CL Holdings LLC
State: FL

Complaint narrative:
This company has written this loan as a charge off profit loss and refused to send me the 1099c form which is a violation of the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Self Financial Inc.
State: FL

Complaint narrative:
This company has written this loan as a charge off profit loss and refused to send me the 1099c form which is a violation of the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX XXXX {$3400.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX Ga XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-26 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX XXXX {$3400.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX Ga XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NC

Complaint narrative:
I was disregarded & given no response for an on going attempt to correct my credit file. This information is hindering me from providing a financial institution & assistance for me & my family.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was disregarded & given no response for an on going attempt to correct my credit file. This information is hindering me from providing a financial institution & assistance for me & my family.

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 2025-07-27 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: IL

Complaint narrative:
XXXXm writing in regards to these 3 inquirys on my report Requested On XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX i made an inquiry which they denied all 3 times so i never got anything from them so they should not show on 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 2025-07-26 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: IA

Complaint narrative:
I got a peak at my recent credit report and notice a lot of accounts that are not mine. I am disturbed that my account is being used the way it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: IA

Complaint narrative:
I got a peak at my recent credit report and notice a lot of accounts that are not mine. I am disturbed that my account is being used the way it is.

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 2025-07-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/year> Subject : Dispute of Inaccurate Credit Card Entry Request for Removal Re : Account XXXX XXXX XXXX XXXX XXXX XXXX reported by XXXX  XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of a credit card account appearing on my credit report. The entry, reported by XXXX  XXXX, under account number XXXX XXXX XXXX XXXX XXXX is either : Incorrectly reported Past the reporting limit for negative information ( over XXXX XXXX XXXX ) I respectfully request that you investigate this entry and remove it if it can not be verified or if it is outdated and should no longer be reported under the Fair Credit Reporting Act ( FCRA ). 
Reasons for Dispute : The account contains outdated or inaccurate information. 
The account is negatively reported and more than XXXX XXXX XXXX. 
Attached are documents supporting my dispute, including : A copy of my photo ID and proof of address Please complete your investigation within XXXX  days and provide written confirmation of the outcome. Also, please send me a copy of my updated credit report reflecting any changes made. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Everything I fill out applications noone can verify my identity I've called all 3 credit companies to report this problem but nothing has changed I've been told that my credit is frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The vehicle was purchased in 2018. The vehicle needed a new engine, and I was unaware of the repairs needed at the time of purchase. Being that I needed a car and couldn't afford to make payments on a car that I could n't drive, the car was repossessed. The loan has been open ever since, and I don't have the car. They have the car and won't close the loan.

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 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, TRANSUNION credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS - XXXX XXXX {$5600.00} INQUIRIES - XXXX  XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent inquiries and accounts on my consumer XXXX report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Dennis Dillon Auto Park and Truck Center, Inc.,
State: ID

Complaint narrative:
Ads state that your income is your credit and it is a fresh start program that they dont run credit they instead go by your income if you make XXXX XXXX  a month live in XXXX  and can get full coverage insurance then you qualified this is not the case as they run credit to multiple institutions just to tell you no

Company response to consumer: Untimely response
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following account from my credit report. This account was previously deleted and has since been reinserted without proper notification or verification, in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 3 ), 611 ( d ), and 607 ( b ).

Account Information : Account Name : XXXX XXXX Account Number : XXXX Original Date of Removal : XX/XX/year> Date of Reinsertion : XX/XX/year> Background : On XXXX XXXX XXXX, I disputed this XXXX  XXXX account due to inaccurate reporting. Following your investigation, Experian deleted the account and issued a deletion notice, which I have attached as proof.

However, on XX/XX/year>, I discovered that the same account had been reinserted into my credit file without any written notification or certification of its accuracy, as required by the FCRA.

Violations of the FCRA : Section 611 ( a ) ( 5 ) ( B ) : Reinserted items must be verified as accurate and complete by the furnisher. I received no such certification. Section 623 ( a ) ( 3 ) : The furnisher must correct or update information. This was not done before reinsertion.

Section 611 ( d ) : Experian must notify the consumer in writing within 5 business days of reinsertion. I received no such notice.

Section 607 ( b ) : You are required to maintain procedures to ensure maximum possible accuracy. This reinsertion violates that standard.

Harm Caused : The reinsertion of this inaccurate account has resulted in : A drop in my credit score Emotional distress and wasted time Potential loss of mortgage eligibility, as I am currently in the process of purchasing a home for my family Requested Action : I demand the following actions be taken immediately : Permanent removal of the reinserted XXXX  XXXX account Written confirmation that the account has been deleted and will not be reinserted without full verification Internal investigation of your reinsertion procedures Assurance that my rights under the FCRA will be respected moving forward Compensation for any damages caused, including credit score impact and financial harm.

Please confirm receipt of this dispute and provide written notice of the steps you are taking. I expect this matter to be resolved within the time required by the FCRA.

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a debit card in the mail for an account I did not open. It has my correct name and my correct address. I called Wells Fargo immediately and they transferred me to their identity theft department. They checked the account number, and said they locked the account. They took some of my information and said they would be in contact with us over the next few days. They would not verify if there had been any activity with the account or if my social had been used to apply for the account.

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