vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: ID

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: 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 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 2025-10-10 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Last 4 of social : XXXX Subject : Unauthorized Inquiry I am writing to formally address a serious matter regarding an unauthorized inquiry made on my credit report on XXXX XXXX. I have recently been informed of this matter which is holding me back from buying my family a home. I believe this action constitutes a violation of my rights under applicable federal and state laws. 
Specifically, this unauthorized inquiry may violate the following U.S. regulations : Fair Credit Reporting Act ( FCRA ) Under the FCRA, access to an individual 's credit report or financial information is only permissible under certain conditions. This includes when the individual has provided explicit consent, or when there is a legitimate, permissible purpose for the inquiry. Any access outside of these conditions is prohibited. 
Right to Financial Privacy Act ( RFPA ) If this inquiry relates to financial information or records held by a financial institution, the RFPA prohibits unauthorized access to such records without the customers consent or a legal order.

Gramm-Leach-Bliley Act ( GLBA ) If this inquiry involves personal financial data, the GLBA mandates that financial institutions must establish privacy policies to protect consumer data from unauthorized access or disclosure.

I hereby request the following actions : Deletion of the inquiry ASAP A full explanation of the nature and purpose of this inquiry, including who authorized it and the specific information accessed.

Confirmation that any data obtained through unauthorized means has been deleted or destroyed.

Assurance that no further unauthorized inquiries will be made into my personal or financial 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 2025-10-10 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: WA

Complaint narrative:
I am submitting this follow-up to report that I previously disputed inaccurate and misleading information being reported on my credit file, and the matter has not been properly corrected in compliance with the Fair Credit Reporting Act ( FCRA ). The disputed items include multiple inaccurate addresses and an account that do not belong to me : XXXXXXXX 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 Balance Owed : {$0.00} I have confirmed through my own records that I have never resided at any of these addresses and have no connection to the above account. Despite submitting supporting documentation. Under FCRA 605 ( a ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ), I am entitled to an accurate and verifiable credit file. Equifax, Experian and TransUnion has a legal obligation to maintain maximum possible accuracy and to delete or correct unverifiable or erroneous data following a proper reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: WA

Complaint narrative:
I am submitting this follow-up to report that I previously disputed inaccurate and misleading information being reported on my credit file, and the matter has not been properly corrected in compliance with the Fair Credit Reporting Act ( FCRA ). The disputed items include multiple inaccurate addresses and an account that do not belong to me : XXXXXXXX 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 Balance Owed : {$0.00} I have confirmed through my own records that I have never resided at any of these addresses and have no connection to the above account. Despite submitting supporting documentation. Under FCRA 605 ( a ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ), I am entitled to an accurate and verifiable credit file. Equifax, Experian and TransUnion has a legal obligation to maintain maximum possible accuracy and to delete or correct unverifiable or erroneous data following a proper reinvestigation.

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 2025-10-10 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX | Email : XXXX XX/XX/year> Consumer Financial Protection Bureau Attn : Consumer Response Center ( XXXX XXXX XXXX XXXX XXXX ) Re : Complaint against XXXX XXXX XXXX ( XXXXXXXX XXXX ) and XXXX XXXX XXXX approved credit with term options withheld ; multiple hard inquiries for a single transaction ; failure to provide required finance disclosures ; improper card charges Dear CFPB Consumer Response Team, I authorized credit inquiries for the purpose of receiving my approved financing term options and was told the dealer was too busy to provide them until I arrived. The dealer then ran my credit several times over multiple days before my arrival and again on the day of sale, represented that I was approved, but still refused to provide my XXXX XXXX XXXX term options either before or during my visit. I arrived with a bank check and waited approximately XXXX hours ; the vehicle was detailed only after that delay, returned with fresh damage, and the dealer refused to consummate the sale while attempting/placing significant charges. 
Requested CFPB actions : Require XXXX XXXX XXXX and the dealer to produce my full creditapplication file, the specific approved term options, the Notice to Vehicle Credit Applicant, and any riskbased pricing or creditscore disclosures. 
Removal of all hard inquiries related to the transaction since all terms were withheld Confirm whether any required notices were triggered and require delivery if applicable. 
Confirm reversal of erroneous charges tied to the disputed transaction. 
Refer any unfair, deceptive, or abusive acts or practices as warranted. 
Investigation of fraud in sales tactics, marketing, and refusal to honor advertised pricing. 

Respectfully, 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 2025-10-10 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : XXXX | Email : XXXX XX/XX/2025 Consumer Financial Protection Bureau Attn : Consumer Response Center ( XXXX XXXX XXXX XXXX XXXX ) Re : Complaint against XXXX XXXX XXXX ( XXXXXXXX XXXX ) and XXXX XXXX XXXX approved credit with term options withheld ; multiple hard inquiries for a single transaction ; failure to provide required finance disclosures ; improper card charges Dear CFPB Consumer Response Team, I authorized credit inquiries for the purpose of receiving my approved financing term options and was told the dealer was too busy to provide them until I arrived. The dealer then ran my credit several times over multiple days before my arrival and again on the day of sale, represented that I was approved, but still refused to provide my XXXX XXXX XXXX term options either before or during my visit. I arrived with a bank check and waited approximately XXXX hours ; the vehicle was detailed only after that delay, returned with fresh damage, and the dealer refused to consummate the sale while attempting/placing significant charges. 
Requested CFPB actions : Require XXXX XXXX XXXX and the dealer to produce my full creditapplication file, the specific approved term options, the Notice to Vehicle Credit Applicant, and any riskbased pricing or creditscore disclosures. 
Removal of all hard inquiries related to the transaction since all terms were withheld Confirm whether any required notices were triggered and require delivery if applicable. 
Confirm reversal of erroneous charges tied to the disputed transaction. 
Refer any unfair, deceptive, or abusive acts or practices as warranted. 
Investigation of fraud in sales tactics, marketing, and refusal to honor advertised pricing. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Financial / CO GMA unlawfully ran my credit, although I did not authorize or apply with Ally Financial for any lines or loans. 

This occurred twice on XX/XX/year>, and twice on XX/XX/year>. My XXXX credit file has a total of 4 hard inquiries from Ally Financial. I requested Ally Financial to remove all of the inquiries from XXXX credit report pursuant to 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. ( negligent noncompliance )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: UT

Complaint narrative:
Subject : Request Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Immediate Deletion of Fraudulent Accounts from My Credit Report Dear Sir or Madam, I am writing to dispute inaccurate information on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), and to formally request the blocking of all information resulting from identity theft. 
According to federal law, upon submission of an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from fraud or identity theft within a maximum of four ( 4 ) business days from receipt of this request.

Pursuant to FCRA 605B, I request that Experian block and delete the information appearing on my credit report that is the result of fraud and identity theft within four business days of receiving this letter.

The fraudulent, inaccurate, and false information consists of a personal loan account opened under the name XXXX, with the account number ( XXXX ). This account has caused several false entries and unauthorized inquiries to appear on my credit history. I have attached a copy of the credit report maintained by your agency showing the fraudulent item in question. 
I do not recognize the reported account. This account was not opened, requested, or authorized by me. It was the result of identity theft and financial fraud. I have not granted written authorization or consent to share my non-public personal information. Reporting or disclosing my information without consent constitutes a violation of 15 U.S.C. 1681b ( Permissible Purposes ) and of my privacy rights under 15 U.S.C. 1681a ( 4 ).

Therefore, I request that this account and the related inquiries be immediately blocked or deleted from my credit file, in accordance with FCRA 605B. 
All necessary documentation is included in this package and has also been sent by certified mail. 
Listed below are the Collections that are being challenged 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 * * * * Listed below are the Inquiries that are being challenged 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 2025-10-10 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:
After review of my credit report, I have found addresses that do not belong to me. I have also found numerous amount of inquiries on my report that I did not authorize or inquire at all. Experian Trans Union and Equifax have been sued so many times for bad investigations, data, breaches, and so forth and so on and these things that are on my report should not be here. I did not authorize any of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
After review of my credit report, I have found addresses that do not belong to me. I have also found numerous amount of inquiries on my report that I did not authorize or inquire at all. Experian Trans Union and Equifax have been sued so many times for bad investigations, data, breaches, and so forth and so on and these things that are on my report should not be here. I did not authorize any of them.

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 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Dear Portfolio Recovery Associates, I am writing in response to your recent communication regarding the alleged debt referenced in your correspondence. This letter is a formal request for validation and verification of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized statement of interest, fees, and other charges.

3. A copy of the original signed agreement or contract creating the obligation.

4. Verification that you are authorized to collect this debt in my state.

5. Documentation proving your ownership or legal right to collect the debt. 

Until the requested information is provided, I request that you cease all collection activities, including reporting this alleged debt to any credit bureaus, contacting me by phone, or pursuing any further collection efforts. 

Be advised that any failure to provide the required documentation within the statutory time frame will be considered a violation of the FDCPA and may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. 

Please direct all future communications regarding this matter in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am writing to formally express iny concerns regarding chime 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to 1 : 3investigate my claime adequatelyXXXX XXXX informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I was approved for 4-5 cards from Synchrony bank in XXXX of XXXX. ( When my credit was worth applying for these accounts ). On XXXX, XX/XX/XXXX, my credit score dropped substantially. I had no idea why seeing that all of my credit cards are paid manually at specific times of the month ( I record each in my calendar ). I have nearly no missed payments since ive established credit. ( Credit age is at least 10 years ). Ive also had no accounts arbitrarily closed for being in bad standing. Anyway, my score dropped and on XXXX I noticed One of the cards, a PayPal master card, was closed through my XXXX wallet. I figured it had something to do w the credit score dropping significantly at this point, I called PayPal and they actually said they saw it still open. They told me to call synchrony bank. I did. I spoke to them, asked if I could speak to a manager ( no was their reply at that time ) and they said they closed this account And the 4 other accounts! One of which I havent used in a few years. The only account with any extended credit was the PayPal account I had just opened! However due to significant decrease in my credit limit ( nearly {$20000.00} ), my score dropped XXXX points. I still wasnt allowed to speak to anyone in charge, I personally dont want to at this point. ( The accounts werent going to be used- they were there for utilization ). Seeing that synchrony has been forced to pay investors millions of dollars starting XXXX, due to deceptive marketing practices I feel that they really missed the mark here. I share the belief that their marketing is absurdly irrational as they essentially allowed me to open 4 accounts which I did when my score was good. Now Im stuck w the hard inquiries I strategically accepted as a cost to benefit analysis. Im further burdened w a drop of XXXX credit points AND A closure of an older card ( sams club, making it a total of 5 accounts closed ) NOT part of my decision. On the phone They basically stated that I WAS a risk, and the letter will tell me more when I receive it in a week. The score drop had nothing to do with my consistent payments on nearly 40 total accounts!! Instead it had to do with their algorithm? And they caused this by improper oversight - after all what is the point of credit if you can not strategically use it when you know you work hard for a sense of worth? Theyre the risk, as their now having to pay back investors for deceptive marketing practices,, what really is the point to to allow me to open new accounts when my oldest account was in good standing for MANY years? If Not but for THEIR deceptive practices to only CANCEL the new accounts AND the oldest one just a month after I opened them.

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation