vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The below attached notice was received. identiefied with XXXX it did not enclose the purported attachment it does not identify the address that was rejected They never answered with and therefore this complaint FOR THE RECORD, this has occurred in the past as well * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * uinanswered XXXX XXXX XXXX Sun, XX/XX/XXXX, XXXX ( XXXX days ago ) to wellsfargoecmo Where is the ATTACHMENT who is the Wells addressee that you bounced do I need to resend ALL todays, about XXXX ( XXXX ) again because of your failure to provide the addressee OR ATTACHMENT ================================================================== REJECT NOTICE Mail Delivery System <MAILER-DAEMON@wellsfargo.com> to : XXXX date : XX/XX/year>, XXXX subject : Undelivered Mail Returned to Sender mailed-by : XXXX signed-by : wellsfargo.com security : Standard encryption ( TLS ) Learn more : Important according to 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 2025-06-14 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Request for Removal of Unauthorized Credit Inquiries Under 15 U.S. Code 1681b and 1681n To Whom It May Concern, I am writing to formally dispute certain inquiries that appear on my credit report issued by your agency. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish a consumer report only under certain permissible purposes.

Upon review of my credit report, I have identified one or more inquiries for which I did not authorize or initiate a credit transaction, nor did I grant permission for these entities to access my credit file. These inquiries were made without a permissible purpose as defined by 15 U.S. Code 1681b. As such, their presence on my report is a violation of federal law.

Furthermore, under 15 U.S. Code 1681n, any person or entity that willfully obtains a consumer report under false pretenses or knowingly without a permissible purpose is liable for damages. This statute provides for civil liability against entities that violate a consumers rights under the FCRA, including actual damages, statutory damages, punitive damages, and attorneys fees. 

Therefore, I am requesting the immediate removal of the following unauthorized inquiries from my credit file : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I request that your office investigate this matter and provide me with written confirmation of the results of your investigation, as well as an updated copy of my credit report reflecting the removal of the disputed inquiries. 

If the inquirers claim to have had permissible purpose, I request documentation of the authorization I allegedly provided. If such documentation can not be provided, these inquiries must be removed in accordance with federal law.

Please consider this a formal dispute under the FCRA. You are obligated to complete your investigation within 30 days of receiving this notice, as per 15 U.S. Code 1681i. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX of Birth : XXXX Social Security Number : 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX claims to have reported my account information to XXXX, Trans Union XXXX, and XXXX  on XX/XX/year>. Unfortunately my account information has not been reported to Transunion correctly because I can not see the information on my score.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The dates on the report from National credit systems are inaccurate showing two different dates. one for XX/XX/XXXX & Another for the XXXX. Not making sense on when this was opened which is a failure to report accurate information making this inconclusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: WV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
I went to a dealership in XXXX, Michigan to get a car the dealership sold me a car that was a lemon. The truck had many problems. I tried to return the truck within XXXX weeks and they wouldn't allow me to so I had to deal with it until the transmission went out on the truck and now I owe the credit people I've been paying them monthly payments on a regular. I started off on him XXXX now I only owe XXXX and I just can't afford it no more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I received a text from Credit Collection Services claiming I owed a {$150.00} debt from XXXX XXXX XXXX ( I had car insurance through XXXX ), followed by a voicemail from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX My last electronic communication from XXXX XXXX was XX/XX/2025. I am unaware of any further communications. 
I am unaware of this debt and did not have the opportunity to dispute. If they sent proper notification, please provide a Certified Mail receipt displaying my signature. 
If not, please remove ref XXXX XXXXXXXX from my account or I will take legal action. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-14 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. 
I. Unauthorized Inquiries Names of Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each.

II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

III. Supporting Evidence ( To be Submitted if Available ) Copy of government-issued ID Social Security card Police report ( if identity theft ) Prior dispute letters Screenshots or report excerpts showinginaccuracies

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 2025-06-14 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 file a complaint regarding unauthorized hard inquiries that appear on my credit report without my knowledge, permission, or a permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S. Code 1681b ]. 
The following hard inquiries are listed on my credit report without my authorization : XXXX. XXXX XXXX o Issue : I did not apply for any credit or authorize XXXX to access my credit file. This inquiry was made without my written or verbal consent. 
o Violation : FCRA 604 ( a ) ( 3 ) requires a permissible purpose and consent to access a consumers credit file. 
XXXX. XXXX XXXX o Issue : I never applied for any loan or credit with XXXX  around that time, nor did I give permission to run my credit. 
o Violation : This inquiry appears to be a violation of FCRA 604 as no permissible purpose exists. 
These unauthorized inquiries are damaging my creditworthiness and lowering my credit score without justification. I attempted to resolve this issue directly with the credit reporting agencies, but the inquiries remain. These inquiries violate my consumer rights under the FCRA and amount to a breach of privacy. 
Requested Resolution : I am requesting the Consumer Financial Protection Bureau ( CFPB ) to : Investigate both XXXX XXXX XXXX regarding their reason for accessing my credit file. 
Provide proof of a signed application or permissible purpose. 
Direct the credit reporting agencies to permanently remove these unauthorized inquiries from my credit file if no proper authorization is provided. 
Impose any appropriate penalties on the data furnishers for violating the FCRA. 
Applicable Law Citations ( FCRA ) : FCRA 604 ( a ) ( 3 ) A consumer reporting agency may furnish a consumer report only under specific circumstances and with consumer consent.

FCRA 616 and 617 Civil liability for willful or negligent noncompliance with FCRA, including damages.

FCRA 609 ( a ) ( 1 ) The consumer has a right to know who accessed their credit report and why.

Please take immediate action to protect my rights and remove these unauthorized inquiries from my credit profile. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: WV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
Total Visa claims to have reported my account information to XXXX, XXXX XXXX XXXX, and XXXX  on XX/XX/year>. Unfortunately my account information has not been reported to Transunion correctly because I can not see the information on my score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized hard inquiries that appear on my credit report without my knowledge, permission, or a permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S. Code 1681b ]. 
The following hard inquiries are listed on my credit report without my authorization : XXXX. XXXX XXXX o Issue : I did not apply for any credit or authorize XXXX to access my credit file. This inquiry was made without my written or verbal consent. 
o Violation : FCRA 604 ( a ) ( 3 ) requires a permissible purpose and consent to access a consumers credit file. 
XXXX. XXXX XXXX o Issue : I never applied for any loan or credit with XXXX  around that time, nor did I give permission to run my credit. 
o Violation : This inquiry appears to be a violation of FCRA 604 as no permissible purpose exists. 
These unauthorized inquiries are damaging my creditworthiness and lowering my credit score without justification. I attempted to resolve this issue directly with the credit reporting agencies, but the inquiries remain. These inquiries violate my consumer rights under the FCRA and amount to a breach of privacy. 
Requested Resolution : I am requesting the Consumer Financial Protection Bureau ( CFPB ) to : Investigate both XXXX XXXX XXXX regarding their reason for accessing my credit file. 
Provide proof of a signed application or permissible purpose. 
Direct the credit reporting agencies to permanently remove these unauthorized inquiries from my credit file if no proper authorization is provided. 
Impose any appropriate penalties on the data furnishers for violating the FCRA. 
Applicable Law Citations ( FCRA ) : FCRA 604 ( a ) ( 3 ) A consumer reporting agency may furnish a consumer report only under specific circumstances and with consumer consent.

FCRA 616 and 617 Civil liability for willful or negligent noncompliance with FCRA, including damages.

FCRA 609 ( a ) ( 1 ) The consumer has a right to know who accessed their credit report and why.

Please take immediate action to protect my rights and remove these unauthorized inquiries from my credit profile. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized hard inquiries that appear on my credit report without my knowledge, permission, or a permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S. Code 1681b ]. 
The following hard inquiries are listed on my credit report without my authorization : XXXX. XXXX XXXX o Issue : I did not apply for any credit or authorize XXXX to access my credit file. This inquiry was made without my written or verbal consent. 
o Violation : FCRA 604 ( a ) ( 3 ) requires a permissible purpose and consent to access a consumers credit file. 
XXXX. XXXX XXXX o Issue : I never applied for any loan or credit with XXXX  around that time, nor did I give permission to run my credit. 
o Violation : This inquiry appears to be a violation of FCRA 604 as no permissible purpose exists. 
These unauthorized inquiries are damaging my creditworthiness and lowering my credit score without justification. I attempted to resolve this issue directly with the credit reporting agencies, but the inquiries remain. These inquiries violate my consumer rights under the FCRA and amount to a breach of privacy. 
Requested Resolution : I am requesting the Consumer Financial Protection Bureau ( CFPB ) to : Investigate both XXXX XXXX XXXX regarding their reason for accessing my credit file. 
Provide proof of a signed application or permissible purpose. 
Direct the credit reporting agencies to permanently remove these unauthorized inquiries from my credit file if no proper authorization is provided. 
Impose any appropriate penalties on the data furnishers for violating the FCRA. 
Applicable Law Citations ( FCRA ) : FCRA 604 ( a ) ( 3 ) A consumer reporting agency may furnish a consumer report only under specific circumstances and with consumer consent.

FCRA 616 and 617 Civil liability for willful or negligent noncompliance with FCRA, including damages.

FCRA 609 ( a ) ( 1 ) The consumer has a right to know who accessed their credit report and why.

Please take immediate action to protect my rights and remove these unauthorized inquiries from my credit profile. 
Thank you.

Company response to consumer: Closed with explanation