vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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:
Urgent Request for Removal of Unauthorized Hard Inquiries from Credit Report To Whom It May Concern, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple unrecognized and unauthorized hard inquiries that have appeared on my credit report. These inquiries were not initiated or authorized by me and may constitute a violation of federal law and a breach of my consumer rights.

- I have identified one or more hard inquiries on my credit report that I did not authorize.

- These inquiries may have been made without a permissible purpose or valid consent.

- I have contacted the credit reporting agency/agencies and the companies responsible for the inquiries, but the inquiries remain.

Under the FCRA, the following provisions apply to this situation : - 15 U.S.C. 1681b ( a ) : Limits access to consumer reports to entities with a permissible purpose, such as a credit application initiated by the consumer.

- 15 U.S.C. 1681b ( f ) : Prohibits any person from obtaining a consumer report without a permissible purpose.

- 15 U.S.C. 1681e ( a ) : Requires credit reporting agencies to maintain procedures to avoid furnishing reports to unauthorized parties.

- 15 U.S.C. 1681e ( b ) : Mandates that agencies follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of disputed information within 30 days of receiving notice.

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the disputed information can not be verified, it must be promptly deleted.

These unauthorized inquiries violate my rights under the FCRA and may also expose me to identity theft or fraud.

Hard inquiries appearing on my credit report are attached below. 

Sincerely, XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Im XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 2025-07-04 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: NV

Complaint narrative:
my legal rights under 15 usc and 1681EB as of XX/XX/XXXX of XXXX have been violated by false inaccurate information by transunion, Equifax, Experian and i would like all if them cleared none of the information was done by myself ive been a victim of identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
i have notice several inaccuracies with credit report that i have dispute

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 2025-07-05 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: GA

Complaint narrative:
i have notice several inaccuracies with credit report that i have dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: MN

Complaint narrative:
I began the purchase process with Carvana and a down payment plus transfer fee were taken from my account. Carvana then cancelled the purchase and I have not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Since XX/XX/2025, I have been requesting that Synchrony Bank sends me confirmation that a payment Plan exists between us. Currently, I owe Synchrony Bank a little over {$8000.00} and they agreed that I can pay them monthly {$200.00} but they refuse to send me written confirmation of this payment plan. There is no way for me to keep track how much of the balance I have paid off or paying off, there is no start date or end date. I have no way to monitor when a payment or how much of a payment has reduced my principal balance. I feel this is unethical because it opens me up to fraud, paying more than I owe. Synchrony Bank should allow me a way to see how much I am paying off, as it is reflected on their end and they should provide confirmation of the payment plan we agreed to to make it official. I do not have my card number but my ss XXXX XXXXXXXX.

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 2025-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
i was told and signed contract sale of vehicle to be 10.24 %, after 6 years of paying and struggling, being unable to keep up due to divorce proceedings i noticed my interest rate was not as i thought was agreed on after 5 years of payments i had already paid finance charges off with still little over 15 months left to pay ... when i asked i was told i was on a adjustable interest rate loan, though i was never told this when signing.. 
I believe my credit was high enough at time to get a lower interest then i was given, being out of state and needed a car i was taken advantage of .. no help at all or a real answer from alli auto.. I was scammed and seems with no help in resolving this situation. 
please help me it has destroyed my credit and now with divorce at a end chances of getting a loan to buy beck family farm look hopeless .. even though i stuck to what i assumed was a set interest rate ... XXXX yrs is up and i still owe XXXX $!! how can that be?? 
thank for ur time and please get back with me, with any help at all XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NV

Complaint narrative:
my legal rights under 15 usc and 1681EB as of XX/XX/XXXX of XXXX have been violated by false inaccurate information by transunion, Equifax, Experian and i would like all if them cleared none of the information was done by myself ive been a victim of identity fraud

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 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hope this finds you well I am writing to bring to your attention a significant error regarding my recent rent payments and to request immediate correction of my account records. 

As per my usual practice, I paid my XXXX rent early on XX/XX/XXXX, using Capital One check ( XXXX XXXX ). 

XX/XX/XXXX - Check XXXX XXXXXXXX cashed for {$1100.00} ( XXXX rent ) XX/XX/XXXX - XXXX from Capital One ( {$1100.00} ) and XXXX XXXX  ( {$1100.00} ) was not authorized by me XX/XX/XXXX, I immediately disconnected my account from the Rent Cafe portal set up for tenants to pay rent which i was going to put on Auto Pay and was specifically told by management ( XXXX XXXX of XXXX XXXX and Associates ) that it only takes rent on the 1st of the month. 

Rent Cafe reflects that XXXX was paid for XXXX - taken in XXXX- but my Capital ONe statement shows the " true ' amount taken for XXXX on XX/XX/XXXX for XXXX. 

Additionally, I have received a 30-day " Notice to Pay or Quit. '' Given that my XXXX, XXXX and XXXX rent was already paid ( albeit early and without my authorization twice in one month ), I respectfully request that my account be updated to accurately reflect this payment and a revised " Notice to Pay or Quit '' reflect the accurate months and amounts. 


XX/XX/XXXX - 30 day notice to pay or quit XXXX tells me that XXXX XXXX took funds from XX/XX/XXXX and XX/XX/XXXX that they held on to .. they are showing NSF checks from their account but the funds were in my accounts to cover these payments. there's a major problem with them not processing checks and i believe it's illegal for them to take my funds without my knowledge or authorization. I'm filing a complaint and would like to press charges to the full extent of the law and any and all banking policy. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TN

Complaint narrative:
Inaccurate information on my credit report, please investigate and remove from my credit report. Account # XXXX  amount {$2500.00}

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 2025-07-05 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 2025-07-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to piivacy 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-07-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to piivacy 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

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 2025-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Purchased XXXX XXXX XXXX XXXXXXXX during covid ( when the dealerships inflated the prices of the cars ) and the dealership that sold the car sold me the card for 3 times the price of the vehical, I did a voluntary surrender after numerous attempts of having capital one correct this issue as the car was XXXX XXXX XXXX and was still owed XXXX that is more than the car would cost new, capital one bank sold the car for XXXX what the car was worth I also contacted XXXX XXXX XXXX and asked them to refund the gap insurance which they still have not with the inflation and crazy intrest rates I asked Capital One to please white this off as a good faith write off as this is consumer abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UMB FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I sent domestic wire to XXXX XXXX for recipient account XXXX XXXX XXXXXXXX XXXX XXXX indicated funds not receive. We issued recall request and issued hold harmless UMB Stalled and continued no to respond to my bank XXXX XXXX XXXX Response from XXXXXXXX XXXX XXXX We confirmed UMB Bank sent us service messages on XX/XX/XXXX advising they were reaching out to their client and asked us for the fraud details. On XX/XX/XXXX, they advised the funds would be released to their client on XX/XX/XXXX if they did not receive the fraud details from us. We confirmed we sent them a XXXX message on XX/XX/XXXX advising the recall was requested because the goods were not delivered. UMB Bank has not responded to our recalls. 

based on my information UMB Bank its employee XXXX XXXX worked in conjunction with XXXX XXXX and its employees or affiliates to scam me and probably others out of our hard-earned funds. 

I am out {$30000.00} due to UMB Bank failure to replay to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: AR

Complaint narrative:
I was previously listed as an authorized user on a XXXX  XXXX XXXX credit card ( account ending in XXXX ). I requested to be removed, and XXXX  XXXX XXXX confirmed I was removed on [ XXXX XXXX ]. Despite this, the account is still reporting on my credit report, and I am not financially responsible for it. I have disputed the account with [ ExperianXXXXXXXX ] XXXX but it remains. I am requesting the CFPB to assist in having this account removed from my credit reports.

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 2025-07-05 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: AR

Complaint narrative:
I was previously listed as an authorized user on a XXXX  XXXX XXXX credit card ( account ending in XXXX ). I requested to be removed, and XXXX  XXXX XXXX confirmed I was removed on [ XXXX XXXX ]. Despite this, the account is still reporting on my credit report, and I am not financially responsible for it. I have disputed the account with [ XXXX/Equifax/XXXX  ] XXXX but it remains. I am requesting the CFPB to assist in having this account removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
Banking errors related to billing and reporting are negatively affecting my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are legally required to apply payments accurately and reflect correct account information. However, payments I made were not properly credited, and there are evident calculation errors in the reported amounts. Furthermore, I did not receive the required 21-day advance notice prior to the due date, rendering any reported late payments invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Subject : Formal Debt Validation Request WESTLAKE XXXX  Account I am disputing a debt reported by WESTLAKE XXXX  on my credit report. The account shows a charge-off with a balance of {$18000.00}, and 97 % of the loan is still unpaid according to my XXXX XXXX report . I do not recognize this debt in full, and I am formally requesting validation of the following : 1. Proof that this debt is accurate and belongs to me 2. A copy of any signed agreement or contract for this loan 3. A breakdown of the total amount owed ( including interest, fees, and principal ) 4. Full payment history and date of default 5. Proof that your organization has the legal right to collect this debt Until this information is provided, I request that this account be marked as disputed on my credit file. Please investigate and respond under your obligations outlined by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MO

Complaint narrative:
I received multiple notifications that my social and name and info was part of two large data breaches. When I pulled a credit report there are multiple small credit cards and a personal loan it looks like that are not mine that show charged off on my credit. I disputed this info with Experian transunion and equifax three times and three times I got back that the accounts were verified but this is not correct and could not have been verified because I never applied for or used any of them. So it can not be me. I am the victim of identity theft and I ask that these be removed from my credit report as they are not mine and definitely do not belong to me and they are hurting me and my credit ability.

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