vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: MD

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department c Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Departent of Education, including financial aid dataset that contains the personal informaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

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 2025-04-13 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2025-04-13 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:
All of my hard inquires on my Transunion, Equifax, and Experian were not authorized. Iwas only seeking a rate quote or prequalification, not a formal application. I did not consent to a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: FL

Complaint narrative:
All of my hard inquires on my Transunion, Equifax, and Experian were not authorized. Iwas only seeking a rate quote or prequalification, not a formal application. I did not consent to a hard inquiry.

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 2025-04-13 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Ive been getting phone calls from this company called synchrony bank. Never heard of them in my life so I thought it was a scam. apparently they are charging me for an overdue account Ive never opened and even seen before. Im not going to pay them for something I didnt do and even if I did I have no account so its not even possible for me to pay it. I dont even have an account with them. makes no sense and its some sort of fraud or scam. how does my dispute deem to be accurate when I have zero knowledge of synchrony bank?!

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Violation of FCRA 1681i ( a ) No investigation or response within 30 days. Its been more than 30 days and still no updated information or verification.

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 2025-04-13 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: IL

Complaint narrative:
I recently reviewed my credit report and discovered multiple inaccuracies that are negatively impacting my credit profile. These errors include unauthorized credit inquiries, an incorrect derogatory account. These inaccuracies are misleading and must be corrected immediately to ensure my credit report accurately reflects my financial history. 
INACCURATE PERSONAL INFO Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting inaccurate or unverifiable information. I have never opened or authorized this account, nor have I received validation of the debt per FDCPA 809 ( 15 U.S.C 1692g ). If this account is verified, provide the original signed contract and complete payment history ; otherwise, remove it from my report immediately.

Action Requested Under the FCRA, credit bureaus must complete an investigation within 30 days. I demand written confirmation that these items have been removed or corrected. Failure to comply with federal law will result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office. 
Resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: IL

Complaint narrative:
I recently reviewed my credit report and discovered multiple inaccuracies that are negatively impacting my credit profile. These errors include unauthorized credit inquiries, an incorrect derogatory account. These inaccuracies are misleading and must be corrected immediately to ensure my credit report accurately reflects my financial history. 
INACCURATE PERSONAL INFO Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting inaccurate or unverifiable information. I have never opened or authorized this account, nor have I received validation of the debt per FDCPA 809 ( 15 U.S.C 1692g ). If this account is verified, provide the original signed contract and complete payment history ; otherwise, remove it from my report immediately.

Action Requested Under the FCRA, credit bureaus must complete an investigation within 30 days. I demand written confirmation that these items have been removed or corrected. Failure to comply with federal law will result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office. 
Resolution

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 2025-04-13 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: FL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Immediate Blocking and Deletion of Fraudulent Account Due to Identity Theft To Whom It May Concern, I am writing to formally dispute the accuracy of information contained in my credit report maintained by Equifax. Specifically, I am requesting the immediate blocking and deletion of an account listed as being in collections under the name XXXX XXXX XXXX, which claims I owe a balance of {$310.00}. According to the report, the original creditor is listed as the XXXX XXXX XXXX 

I must emphasize that I have never attended, applied to, or entered into any contractual agreement with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of this alleged debt, and I believe this is a clear case of identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, when a consumer notifies a credit reporting agency that information on their report is the result of identity theft, the agency is legally required to block the fraudulent information within four ( 4 ) business days of receiving : Proof of identity, A copy of an identity theft report ( such as one filed with the FTC or a law enforcement agency ), A written statement from the consumer identifying the fraudulent account, and A request for the information to be blocked. 

Please consider this letter a formal request under 15 U.S.C. 1681c-2 to block and delete the XXXX XXXX XXXX account from my credit file. I have attached the following supporting documentation : A copy of my government-issued ID A utility bill confirming my current address A copy of my FTC Identity Theft Report ( or police report ) A written statement ( this letter ) detailing the fraudulent nature of the account I further believe that my personal information may have been compromised as a result of the XXXX XXXX XXXX, which increases the likelihood that this account was fraudulently opened by an identity thief. 

You are legally obligated to block and remove this account from my credit report within four business days of receiving this documentation. Failure to comply may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) or a potential legal action to enforce my rights under the FCRA. 

Please confirm in writing that the account has been blocked and removed from my file. If you require any additional information or documents, please contact me at the address, email, or phone number listed above. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is not my account, I been going thru this for the last few years. plz remove this account from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
XX/XX/year> To : XXXX, XXXX, and TransUnion Subject : Request for Removal of Unverifiable Account Compliance with FCRA & FDCPA To Whom It May Concern, I am writing to formally request the removal of an unverifiable charge-off account from Ally Financial, originally reported on my credit file. The details of the disputed account are as follows : Creditor : Ally Financial Account Number : XXXX Amount : {$26000.00} On XX/XX/year>, I submitted a dispute regarding this account with XXXX, as I believed it was inaccurate and/or unverifiable. XXXX completed their investigation on XX/XX/year> and subsequently deleted the account from my credit report. Due to this deletion, it is evident that the account could not be verified, and as such, I am requesting that XXXX, TransUnion, and XXXX immediately remove this unverifiable account from my credit report as well. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account is disputed and subsequently found to be unverifiable, it must be deleted from the consumers credit report. If XXXX, a recognized nationwide specialty consumer reporting agency, was unable to verify the account and therefore removed it, XXXX, TransUnion, and XXXX are also required to follow suit to ensure compliance with the law. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX prohibits any false or misleading representation of debt. Keeping an account on my credit file that has been proven unverifiable constitutes a violation of this provision. 

I formally request that XXXX, TransUnion, and XXXX remove this account within 30 days, as required by law. Failure to comply may result in further legal action, including but not limited to a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential litigation under FCRA 15 U.S. Code 1681n and 1681o, which provide for statutory damages, actual damages, attorney fees, and punitive damages for non-compliance.

Please confirm in writing when this unverifiable account has been removed from my credit report. If this request is denied, please provide a detailed explanation and the method used to verify the accuracy of the account. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
On XX/XX/year>, I sent a dispute letter to a collection agency requesting validation of a debt. In this letter, I stated that I required the collection agency to send me a letter validating the account within 30 days or you would report them to the CFPB. They never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
The vehicle was repossessed on XXXX the XXXX of XXXX and was sold on XXXX the XXXX of XXXX. At that time I believe that XXXX may have been what was owed on the vehicle, but I'am not positive of the balance.When the vehicle was taken from me believe it or not I was current on my payments, but they said I was not current. Two weeks after they took my vehicle they found the so called missing payments, and they applied them to my account, but they kept the vehicle and later sold it. I tried everything I could to get my vehicle back or to be fairly compensated for my loss, but nothing that I did was helpful or successful.The total loan was XXXX when I first purchased the vehicle and I think it was XXXX, when it was repossessed. When it was first repossessed I contacted the Financial Regulation consumer Office of Maryland. I supplied them with my proof of the payments that were in question and any other documents that I had. They contacted the finance company and filed a injunction to prevent the vehicle from being sold, they also got a contact person and a number for the person, in which I called at least 50 times, but the person never returned any of my calls. later on the finance company filed in junctions against itself so that they could not sell the vehicle.At the same time ; even after they were aware that they made a mistake they still would not return my vehicle to me. As of today I'am without a vehicle to be honest two vehicles and all the money I spent and my personal property that was in my vehicle.The company gave me the run around and eventually sold my vehicle and moved on as if none of the following ever happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: SC

Complaint narrative:
I have asked for a copy of my wet signature with no response for any of the companies that I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXXXXXX XXXX  is reporting a {$510.00} collection account to Experian only XXXX XXXX and XXXX do not report this item. I have disputed this tradeline with Experian and requested verification from the furnisher. No proper documentation has been provided. This selective and unsupported reporting may be a violation of FCRA 1681e ( b ) ( accuracy ), 1681i ( failure to properly reinvestigate ), and FDCPA 1692g ( lack of validation ). I request the FTC investigate this reporting practice and take enforcement or corrective action as appropriate.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
This account was charged off in XX/XX/XXXX. It continues to report on my credit report as a Charge off every month after XX/XX/XXXX. I never received a 1099 C from Wells Fargo. I disputed it on XX/XX/XXXX and the results of the dispute stated Information on this item has been updated. Please review your report for the details.

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 2025-04-13 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: VA

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 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 2025-04-13 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: VA

Complaint narrative:
On both XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Experian 1 ) Issued my credit report to unknown persons or entities without my knowledge or permission.

2 ) Charged my credit card {$26.00} each of the two dates, a total of {$53.00} without my permission, request or authorization.

I tried to contact Experian via its website, but to do so I was required to create an account. However, to create an account it was mandatory to provide a mobile phone to receive texts. Like many senior citizens and other low-income Americans, I do not have a mobile phone. Therefore, Experian 's policies prevented me from contacting Experian to complain about its ILLEGAL and CRIMINAL actions.

Either Experians sloppy operations allowed unauthorized parties to obtain my credit report, or, employees of Experian fraudulently billed me.

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 2025-04-13 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: CORELOGIC INC
State: VA

Complaint narrative:
I requested to opt out of all third-party data sharing and reporting. Please suppress my information from future use and remove it from active databases.

Your agency is obligated to comply with the following federal mandates : 15 U.S.C. 1681b ( a ) Limits use and disclosure of consumer data to permissible purposes only.

15 U.S.C. 1681e ( a ) Requires you to maintain strict procedures to ensure lawful and accurate use of consumer data.

15 U.S.C. 1681g ( a ) ( 1 ) Grants me full rights to request and receive a disclosure of all personal data you possess.

15 U.S.C. 1681c ( a ) Prohibits retention of obsolete consumer information beyond federal limits.

15 U.S.C. 1681i ( a ) ( 5 ) Restricts reinsertion of any previously deleted data without certification and written notification.

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