vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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 a victim of identity theft and already filed an FTC Identity Theft Report. I am asking for help because fraudulent accounts, a fraudulent collection, and numerous unauthorized inquiries are being reported on my credit files, and they are harming my credit and my ability to obtain housing and credit. There is a private student loan account reporting across TransUnion, Experian, and Equifax that I did not apply for, did not authorize, and am not associated with and has an account number listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Experian and Equifax and an account number listed as XXXX XXXX XXXX XXXX XXXX with Transunion all three are reporting a balance of XXXX and were assumed to be opened on or around XXXX of XXXX. I have never opened any student loan or educational financing account. There is also a collection account allegedly from XXXX XXXX, placed by XXXX XXXX XXXX, showing a balance of XXXX on or arpund XXXX. XXXX with an account number as XXXX XXXX XXXX XXXX XXXX XXXX I never opened a XXXX XXXX account, never received service, and never authorized this collection. My credit reports also show numerous hard inquiries from auto dealers on or around XXXX lenders, and financial institutions that I did not authorize. I did not apply for credit with many of these companies, and I did not give permission for my credit to be pulled. These inquiries appear to be related to the same identity theft and are further damaging my credit. Please help me utilize my given rights under FCRA, and Texas State Laws to give me the justice I deserve. I am attaching my Identity theft report and my credit report that with said accounts and inquieries.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and XXXX XXXX U.S. CodXXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-11-22 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: Credit Control, LLC
State: NC

Complaint narrative:
XX/XX/XXXX Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account : XXXX Reference : XXXX CFPB Complaint : Credit Control , LLC XXXX XXXX XXXX XXXX XXXXCredit Control, LLC is attempting to collect and furnish a debt that is the result of identity theft and hascontinued reporting without providing legal validation. I disputed the debt in writing and requested fulldocumentation including original signed contract, complete chain of assignment from XXXX to XXXX, XXXX accounting, billing statements, and evidence that I authorized or used the account.Instead of providing documentation required under XXXX U.S.C. XXXX ( b ), the company continuedcollection activity and credit reporting.This company is furnishing inaccurate information to consumer reporting agencies without proof, inviolation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ). They continue to attempt collection on afraudulent identity theft account and failed to cease collection after dispute, violating XXXX ( a ) .Requested XXXX : Provide full written debt validation including original signed contract, chain ofassignment, itemized accounting, billing history, and identity verification records, or permanently deletethe account. Cease all collection activity until validation is completed. Remove any reporting toconsumer reporting agencies. Provide written confirmation of investigation results and actions taken.Laws Violated : XXXX U.S.C. XXXX ( b ) XXXX XXXX. XXXX ( a ) XXXX XXXX XXXX ( a ) XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Fields v. XXXX XXXX Firm ( XXXX ) FTC XXXX XXXX XXXX ( XXXX ) Contact Info : Name : XXXX XXXX Email : XXXX DOCUMENTSIDENTITY THEFT AFFIDAVIT : I, XXXX XXXX, declare that I did not open or authorize the XXXXaccount referenced by Credit Control , LLC. This account is fraudulent and the result of identity theft. Idid  not sign any contracts or authorize any services. I request immediate cessation of reporting andcollection activity.REQUEST FOR CHAIN OF ASSIGNMENT : Provide proof that XXXX legally transferred, sold, orassigned this account to Credit Control , LLC XXXX including transfer contracts, ownership records, and fullchain of custody.REQUIRED VALIDATION DOCUMENTS : Original signed contract Chain of assignment Itemizedaccounting Usage logs ( XXXX, IP logs ) Billing statements Identity verification records Proof ofpermissible purpose under FCRANOTICE OF ONGOING IDENTITY THEFT : Multiple fraudulent accounts have occurred in my name.This account is part of that pattern and must be handled consistent with XXXX U.S.C. XXXX. 

NO PHONE CONTACT : All communication must be in writing via email : 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 explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Family and I lived aXXXX XXXX XXXX XXXX XXXX XXXX  from XXXX. Complex gave us nothing but problems. Thieves, homeless, filthy, bugs, etc. They reimburse people {$45.00} from move in fees to write a good review for them without even seeing your unit. We constantly received random charges on our account with out explanation when we would ask for elaboration it was ignored. We moved out XX/XX/year>. Company sent out move out letter with charges dated XXXX XXXX almost XXXX months after move out, under Texas XXXX XXXX XXXX XXXX, a landlord must return a tenants security deposit or provide an itemized list of deductions within XXXX  days after the tenant surrenders possession of the property. Charges have now been sent to collections and have decreased credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and XXXX XXXX5 U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc
State: IN

Complaint narrative:
I can't sign into my time card account because it says I need a code but you guys never send it I have spoken to XXXX customer service people today and all XXXX have really hung up on me I'm locked out of my card and I need my money they won't send me a code

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: IL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed a few accounts that are not reporting accurately. I see a total of three late payments on these accounts that in fact were paid on time. Per FCRA 15 CODE 1681A ( 2Xi ) and 15 US CODE 1666b The consumer reporting agencies need to report all information with complete accuracy. These accounts : XXXX and XXXX have not been late on payments for the following dates : XXXX, XXXX, XX/XX/year>. I am requesting an immediate update to ON TIME PAID AS AGREED. Thank you for your promptness.

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 2025-11-22 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: FL

Complaint narrative:
Upon reviewing my credit report in preparation for purchasing a home, I identified several hard inquiries that do not belong to me. I would like someone to investigate and validate them. If you are unable to verify these inquiries, I request that they be removed from my credit report as soon as possible.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MS

Complaint narrative:
Discover is inaccurately reporting a balance on a closed account. I was told by Discover that if I paid {$16.00}, the account would be settled and closed. I paid the amount in full, Discover accepted it, and the account is now showing as closed. 
However, the account still shows an outstanding balance on my XXXX credit report, which is incorrect and harmful to my credit. A closed account can not legally report a balance, and the reported status does not match the agreement or the payment made. 
I am requesting that Discover : Report the account accurately as Closed {$0.00} Balance Settled Provide XXXX with the corrected information Provide documentation confirming the update I am also requesting XXXX reinvestigate this account due to inaccurate reporting. 
I am attaching proof of payment, my XXXX dispute result, and a screenshot of the incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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 a victim of identity theft and already filed an FTC Identity Theft Report. I am asking for help because fraudulent accounts, a fraudulent collection, and numerous unauthorized inquiries are being reported on my credit files, and they are harming my credit and my ability to obtain housing and credit. There is a private student loan account reporting across TransUnion, Experian, and Equifax that I did not apply for, did not authorize, and am not associated with and has an account number listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Experian and Equifax and an account number listed as XXXX XXXX XXXX XXXX XXXX with Transunion all three are reporting a balance of XXXX and were assumed to be opened on or around XXXX of XXXX. I have never opened any student loan or educational financing account. There is also a collection account allegedly from XXXX XXXX, placed by XXXX XXXX XXXX, showing a balance of XXXX on or arpund XXXX. XXXX with an account number as XXXX XXXX XXXX XXXX XXXX XXXX I never opened a XXXX XXXX account, never received service, and never authorized this collection. My credit reports also show numerous hard inquiries from auto dealers on or around XXXX lenders, and financial institutions that I did not authorize. I did not apply for credit with many of these companies, and I did not give permission for my credit to be pulled. These inquiries appear to be related to the same identity theft and are further damaging my credit. Please help me utilize my given rights under FCRA, and Texas State Laws to give me the justice I deserve. I am attaching my Identity theft report and my credit report that with said accounts and inquieries.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 non-monetary relief
Consumer complaint received 2025-11-22 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: TN

Complaint narrative:
I am writing to file a formal complaint and request your assistance in removing the following unauthorized hard inquiries from my credit report. These inquiries were not authorized by me, nor were they associated with any application for credit that I knowingly submitted. 
Upon reviewing my credit report from the three major credit reporting agencies, I identified the following hard inquiries that I am disputing.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit inquiry may only be made with my express consent or in connection with a credit transaction initiated by me. Since I did not authorize or initiate these transactions, these inquiries are not permissible and should be removed. 
I have already submitted disputes to the credit bureaus and creditors involved ; however, the inquiries remain on my credit report, negatively affecting my creditworthiness. I respectfully request that the CFPB investigate this matter and assist in the immediate removal of the unauthorized inquiries from my credit file. 
Please look at the attached files they are all inquiries that I didnt authorize.

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 2025-11-22 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:
I have no ties to these accounts and am requesting their elimination within 15 days under 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 2025-11-22 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: FL

Complaint narrative:
XXXX BANK Account XXXX. XXXX Status Reported : Charged off with 23 negative months Balance Reported : {$420.00} Account Status : Closed Last Payment Date : XX/XX/XXXX Dispute Basis : The reporting contains repeating charge-off notations that do not correctly reflect the account 's timeline. 

The date-of-first-delinquency and the milestones of delinquency appear inaccurate and inconsistent across months. 

The balance and past-due information appear incorrect after charge-off designation. 

The information is incomplete and not properly updated. 

Requested Action : Please delete or correct this tradeline because the reported information is inaccurate, incomplete, and unverifiable pursuant to FCRA 1681i ( a ) ( 5 ) ( A ). 

Additional Supporting Information I request that : All relevant information I have provided be forwarded to the furnishers, as required under FCRA 1681i ( a ) ( 2 ). 

You conduct a reasonable reinvestigation, not merely rely on automated XXXX responses. 

You provide me with a complete written explanation of the results of your reinvestigation as required under FCRA 1681i ( a ) ( 6 ). 

Notice Regarding Experians Known Systemic Failures The CFPBs XX/XX/XXXX federal complaint against Experian alleges that Experian : Fails to forward consumer-submitted documentation to furnishers, Uses incorrect dispute codes that misrepresent consumers disputes, Relies unreasonably on furnishers even when responses are illogical or inconsistent, Issues unclear and inaccurate results letters. 

Because of these failures, I demand that my dispute not be processed using inaccurate dispute codes or incomplete XXXX transmissions. Any reinvestigation that does not comply with FCRA requirements will be considered inadequate. 

Required Response Under federal law, you must : Investigate within 30 days, delete all information that is inaccurate, incomplete, or can not be verified, Provide me with an updated credit report after the reinvestigation. 

Thank you for your prompt attention to this matter. Please send all responses to the mailing address listed above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
XXXX BANK Account XXXX. XXXX Status Reported : Charged off with 23 negative months Balance Reported : {$420.00} Account Status : Closed Last Payment Date : XX/XX/XXXX Dispute Basis : The reporting contains repeating charge-off notations that do not correctly reflect the account 's timeline. 

The date-of-first-delinquency and the milestones of delinquency appear inaccurate and inconsistent across months. 

The balance and past-due information appear incorrect after charge-off designation. 

The information is incomplete and not properly updated. 

Requested Action : Please delete or correct this tradeline because the reported information is inaccurate, incomplete, and unverifiable pursuant to FCRA 1681i ( a ) ( 5 ) ( A ). 

Additional Supporting Information I request that : All relevant information I have provided be forwarded to the furnishers, as required under FCRA 1681i ( a ) ( 2 ). 

You conduct a reasonable reinvestigation, not merely rely on automated XXXX responses. 

You provide me with a complete written explanation of the results of your reinvestigation as required under FCRA 1681i ( a ) ( 6 ). 

Notice Regarding Experians Known Systemic Failures The CFPBs XX/XX/XXXX federal complaint against Experian alleges that Experian : Fails to forward consumer-submitted documentation to furnishers, Uses incorrect dispute codes that misrepresent consumers disputes, Relies unreasonably on furnishers even when responses are illogical or inconsistent, Issues unclear and inaccurate results letters. 

Because of these failures, I demand that my dispute not be processed using inaccurate dispute codes or incomplete XXXX transmissions. Any reinvestigation that does not comply with FCRA requirements will be considered inadequate. 

Required Response Under federal law, you must : Investigate within 30 days, delete all information that is inaccurate, incomplete, or can not be verified, Provide me with an updated credit report after the reinvestigation. 

Thank you for your prompt attention to this matter. Please send all responses to the mailing address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Line Financial, PBC
State: TX

Complaint narrative:
I asked them to verify my card they completely ignored me and didnt fix it immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I financed a 2014 XXXX XX/XX/XXXX through Santander Consumer USA after purchasing it from XX/XX/XXXX in XXXX, AL. I paid a down payment, but the dealership did NOT deduct my down payment from the loanthey added it INTO the loan amount. This increased the amount financed without my consent. 

The vehicle also had an odometer cluster that had been replaced. The actual mileage was not disclosed to me, and the documents say the mileage shown was NOT the actual mileage. I was never given the true odometer reading, and this affected the value of the vehicle. 

My loan through Santander Consumer USA has a 26.7 % interest rate, which is extremely high and predatory. The loan is structured so that the interest must be paid off BEFORE the principal, and the total interest I am being charged is more than 125 % of the vehicle 's value. There is also an early payoff fee. 

I believe this is a predatory auto loan and that I was misled by the dealership and the lender. I am requesting a full review of the loan, the improper financing of my down payment, the inaccurate odometer disclosure, and the excessive interest rate.

Company response to consumer: Closed with explanation