vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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:
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 2025-05-30 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: MO

Complaint narrative:
My Equifax credit report is reflecting numerous hard inquiries that I do not recall individually authorizing, and several of them appear to be duplicates or excessive inquiries from similar lenders within short timeframes. These include : XXXX on XX/XX/XXXX ; XXXX, XXXX, XXXX, and XXXX all on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  on both XX/XX/XXXX and XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ( appearing twice ) and again on XX/XX/XXXX ; XXXX  XXXX  on XX/XX/XXXX ; and XXXX on XX/XX/XXXX. 

Several of these inquiries were made on the same day by different lendersparticularly on XXXX what appears to be a single credit-shopping event. While auto and personal loan shopping may result in multiple inquiries, Equifax has a responsibility to report only legitimate and properly authorized hard pulls. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a credit report may only be accessed for permissible purposes and with clear, verifiable consumer authorization. The pattern of inquiries shown on my credit file, including multiple identical inquiries from the same institutions ( such as repeated pulls by XXXX XXXX and XXXX ), raises serious concerns that my data may have been misused or processed without sufficient consent. 

Hard inquiries lower credit scores and misrepresent the credit-seeking behavior of consumers, particularly when duplicated or applied broadly by multiple parties during a single application window. I did not provide explicit permission for these entities to conduct separate hard pulls, and as a result, I am now being penalized for activity that may not have been properly or legally initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
They denied my application due to my XXXX status for an in-store credit card from XXXX, but the company is capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful.

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately.

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : 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 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 XXXX XXXX XXXX XXXX XXXX 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 2025-05-30 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: VYSTAR CREDIT UNION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX File Number : XXXX  # XXXX Date : XX/XX/XXXX Subject : Identity Theft Notice and Request for Permanent Block of Fraudulent Information Under FCRA 605B Dear Sir or Madam, I am writing to inform you that I am a victim of identity theft and to formally dispute and request the permanent removal of fraudulent and inaccurate information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2.

The accounts and public records listed below were opened and reported without my knowledge, authorization, or consent and are the direct result of identity theft. They do not belong to me, and I have no association with the listed transactions, addresses, or creditors. 

Pursuant to FCRA 605B, I am requesting the immediate blocking and permanent deletion of the following : Addresses Not Associated With Me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Public Record : XXXX XXXX  XXXX XXXX Case # : XXXX ( XXXX XXXX XXXX ) Reference # : XXXX Date Filed : XX/XX/XXXX Fraudulent Credit Accounts : XXXX XXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Date Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Date Reported : XX/XX/XXXX Legal Basis for My Request : Under 15 U.S.C. 1681c-2 ( FCRA 605B ), you are required by law to block any information in my file that I identify as resulting from identity theft within four ( 4 ) business days of receiving : A copy of a valid government-issued photo ID ; Proof of address ( utility bill, bank statement, or similar ) ; A police report or FTC Identity Theft Report affirming my claim of identity theft ; A written request to block the information. 

Please block this information from my credit report within FOUR business days, as mandated by federal law.

This letter satisfies the statutory requirement, and I have included all supporting documents. Once received, you are legally obligated to : Block the fraudulent information listed above ; Notify all furnishers of this data that the information resulted from identity theft ; Prevent re-reporting of the blocked information ;

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Amount Refunded : {$420.00} Date of Refund : XX/XX/XXXX Reference Number : XXXX I received above refund amount to my closed Chase credit card account ( Freedom Flex master card ending XXXX ) from XXXX recently. 

As per XXXX the refund is successfully accepted by chase and not returned to them hence they can not issue me the refund on a separate payment method. 

On reaching out to Chase customer service, they said they are unable to even find the closed credit card account in their system so let alone tracking the refund transaction and helping me resolve this issue. They are insisting I provide them with the full XXXX digit number of the credit card which I obviously dont have since the card was closed in XXXX. Ideally they should be able to find it out from their sytem records. Its not clear why are unable to. 

Bottom line is this is a deadlock situation as XXXX and Chase both are unable to help resolve this issue and get me my refund amount of {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: WA

Complaint narrative:
I am writing to file a formal complaint regarding an account handled by CKS Prime Investments on behalf of XXXX XXXX XXXX XXXX XXXX for a credit account that has already been paid in full as per a settlement agreement. 

Despite fulfilling my financial obligation and completing payment as agreed upon, the account is still showing up on my credit report as unpaid or delinquent. According to the terms of the agreement, the account should have been updated accordingly and/or removed from my credit report. The continued inaccurate reporting is negatively impacting my credit profile and causing financial harm. 

Details of the Account : Original Creditor : XXXX XXXX XXXX XXXX XXXX. 
Collection Agency : CKS Prime Investments Account Status : Paid in full as per agreement Issue : Credit reporting has not been updated to reflect payment/closure per agreement I have made several attempts to resolve this issue directly with the agencies involved but have not received a satisfactory response or resolution. I am requesting that the Consumer Financial Protection Bureau intervene to ensure this matter is resolved promptly and fairly. 

Please investigate this matter and take appropriate action to ensure that the account is : Removed from my credit report if agreed upon in writing at the time of payment. 

Attached are any relevant documents including proof of payment and agreement terms. 

Thank you for your time and attention to this matter. I look forward to a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXXXXXX XXXX * * * * Balance Owed : {$7000.00}

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 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against PORTFOLIO RC regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PORTFOLIO RC buttonoavail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against TRUEACCORD C regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : TRUEACCORD C ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with TRUEACCORD C buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-30 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: MA

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 explanation
Consumer complaint received 2025-05-30 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: AL

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 2025-05-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Request for Removal of Fraudulent Account Under the Fair Credit Reporting Act ( FCRA ) Dear TransUnion Dispute Department, I am writing to dispute the accuracy of an account that appears in my credit report. The account in question was opened fraudulently, without my knowledge or authorization, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681c-2, to request its immediate removal. 

Disputed Account Information : Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Pursuant to 15 U.S. Code 1681c-2 ( a ), I formally request that you block and remove this fraudulent account from my credit file. Under this statute, you are required to block the reporting of any information that a consumer identifies as resulting from identity theft, within four ( 4 ) business days of receiving appropriate documentation and a request from the consumer. 

As required, I have enclosed the following documentation in support of my request : 1. A copy of my government-issued photo identification 2. A copy of a recent bill ( proof of current address ) 3. A copy of a police report/identity theft report filed in accordance with 1681c-2 ( a ) ( 1 ) 4. A signed statement affirming that I did not authorize or open this account and that it is a result of identity theft or fraudulent activity, which has already been provided to youll company four times.

Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if the investigation finds the information to be inaccurate, incomplete, or unverifiable, you are required to promptly delete that item from my credit file. You must also notify me in writing of the results of your reinvestigation within 30 days of receiving this dispute. 

This fraudulent account is causing undue harm to my credit profile, and I expect full compliance with your legal obligations to investigate, block, and remove it without delay. 

Please confirm in writing when the account has been removed. I appreciate your prompt attention to this matter and expect a resolution in accordance with the timelines established under federal law. 

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 2025-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Charges were made on my Synchrony Amazon store card by someone who lives in XXXX Michigan over the last several months. That person kept changing my address, charging on my card and I never knew because I never received the billing statements or emails. My account was always kept at a XXXX balance so I had no reason to get a statement. Then I would get notice of an address change, I would call Synchrony, they would close that account, issue me a new card ( which I did not receive ) and fraud charges would eventually be removed. 
I have another case with Synchrony now that involves my checking account transactions totalling almost {$43000.00}. Those transactions I just found were made using that Amazon store card. I just got an email today saying the fraud dept found I am responsible for some of the charges ( about {$3600.00} ) because I admitted to it! 
I did not now or ever do that! My XXXX statement from Synchrony Amazon shows purchses/debits of {$50000.00}! That is definitely not me. It's my retirement savings... why would I do that? I need this fixed and I need my money back.

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 2025-05-30 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-30 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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