vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I just recently looked on my report XX/XX/XXXX. I am writing to dispute multiple unauthorized hardcredit inquiries on my consumer credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). On XX/XX/XXXX I applied for auto financing at XXXX which I understood would result in one inquiry. However, my Equifax/XXXX/TransUnion report as of today XX/XX/XXXX shows eight separate hard inquiries from lenders I never directly contacted or authorized. 

I request that you investigate and remove all unauthorized inquiries except the single inquiry I did authorize. Please : Conduct a reasonable investigation of each inquiry listed below. 
Delete any inquiry that can not be fully verified as having been authorized by me. 
Please send me confirmation of your findings and an updated copy of my credit report reflecting the deletions. 

Lender Name XXXX Inquiry Date XX/XX/XXXX Lender Name XXXX XXXX XXXX XX/XX/XXXX [ Lender Name XXXX XXXXXXXX XXXX  XX/XX/XXXX [ Lender Name XXXX XX/XX/XXXX [ Lender Name XXXX XXXX XXXX XXXXXX/XX/XXXX [ Lender Name XXXX XXXXXXXX XXXX XXXX XXXXXXXX [ Lender Name XXXX XXXX XXXXXX/XX/XXXX [ Lender XXXX Name ] XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XXXX of XXXX, I discovered multiple inaccurate and unauthorized accounts and hard inquiries on my credit reports, which I obtained from XXXX XXXX, and XXXX. These entries were not initiated or approved by me and appear to be the result of identity theft. The fraudulent accounts include : Barclays Bank Delaware ( opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), three XXXXXXXX XXXX accounts ( opened XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXXXXXX XXXX  ( opened XX/XX/XXXX ), and XXXX XXXXXXXX ( opened XX/XX/XXXX ). The following hard inquiries also appeared on my reports without my consent or any permissible purpose : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). 

I submitted a notarized affidavit identifying each of these accounts and inquiries as fraudulent and violations of the Fair Credit Reporting Act. These accounts were inaccurately reported in violation of Section 623 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information. The inquiries breached Sections 1681b and 1681q, as they were made without my authorization and lack a permissible purpose. Despite this formal dispute, these inaccuracies remain on my 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 2025-05-01 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, I was notified by XXXX XXXX ( XXXX ) via mail that my personal and financial information may have been compromised in a data breach that occurred between XX/XX/XXXX, and XX/XX/XXXX. The breach exposed sensitive data including my health insurance details, medical records, and financial/payment information. I am concerned that this breach may have contributed to inaccuracies on my credit report. I previously disputed certain accounts and also submitted a debt verification letter, but I have not received proper verification or resolution. I am requesting that the CFPB investigate and that the company involved either verify the debt with proper documentation or remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
Please check the information concerning the Equifax data breach in attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MI

Complaint narrative:
PLEASE SEE SUPPORTING DOCUMENTATION PERTAINING TO XXXX  DATA BREACH

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Experian, I am writing to formally dispute the accuracy and validity of several items reported on my credit file. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i. I am requesting that you investigate and delete or correct the following entries : XXXX. XXXX XXXX XXXX XXXX Voluntary surrender is reported ; however, there are inconsistencies in the payment history and balance information that appear inaccurate or incomplete. 
Please conduct a full investigation and provide documentation. 
XXXX. XXXX XXXX XXXX XXXX separate accounts are listed, both showing charge-offs or multiple late payments. I dispute the accuracy of these derogatory entries and request validation under 15 U.S.C. 1681i. 
XXXX. XXXXXXXX XXXX  The account shows late payments that I do not recall. Please verify and correct this information. 
XXXX. Collections : - 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 XXXXXXXX XXXX Under 15 U.S.C. 1681i and 1681s-2, you are required to conduct a reasonable investigation of these disputes. If you can not verify the information within 30 days, it must be deleted from my report.

Please provide me with written verification of your findings and any documents used to verify these accounts. If no such documentation exists, these items must be removed immediately. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-05-01 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
In XX/XX/XXXX, I was notified by XXXX XXXX ( XXXX XXXX  via mail that my personal and financial information may have been compromised in a data breach that occurred between XX/XX/XXXX, and XX/XX/XXXX. The breach exposed sensitive data including my health insurance details, medical records, and financial/payment information. I am concerned that this breach may have contributed to inaccuracies on my credit report. I previously disputed certain accounts and also submitted a debt verification letter, but I have not received proper verification or resolution. I am requesting that the CFPB investigate and that the company involved either verify the debt with proper documentation or remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: PA

Complaint narrative:
In XX/XX/XXXX, I was notified by XXXX XXXX ( XXXX  ) via mail that my personal and financial information may have been compromised in a data breach that occurred between XX/XX/XXXX, and XX/XX/XXXX. The breach exposed sensitive data including my health insurance details, medical records, and financial/payment information. I am concerned that this breach may have contributed to inaccuracies on my credit report. I previously disputed certain accounts and also submitted a debt verification letter, but I have not received proper verification or resolution. I am requesting that the CFPB investigate and that the company involved either verify the debt with proper documentation or remove it from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NV

Complaint narrative:
The CFPB finalized a rule on XX/XX/2025, to ban medical bills from credit reports. This rule, which amends Regulation V ( implementing the Fair Credit Reporting Act ), prohibits CRAs like Equifax, XXXX XXXX XXXX from including MEDICAL DEBT in credit reports and bars lenders from using this information when making credit decisions. 
XXXX XXXX has been ILLEGALLY misreporting Acct # XXXX in the amount of {$500.00} for YEARS. This credit card was utilized to pay MEDICAL BILLS AND FOR COSTS ASSOCIATED WITH MEDICAL APPOINTMENTS. 
AGIAN, I DEMAND THIS BE TAKEN OFF OF MY CREDIT REPORT ONCE AND FOR ALL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: DISCOVER BANK
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right for privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right for privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding a debt being reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ) on my credit report through Equifax. The account lists a balance of {$1200.00} and is marked as unpaid, with no payment history. 

I dispute the validity of this debt. I was never notified by XXXX XXXX XXXX prior to this account being reported to the credit bureaus, nor have I received any validation or verification of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I requested verification but have not received a response. This is a violation of my rights as a consumer. 

I am requesting that XXXX XXXX XXXX provide documented proof that this debt is valid and belongs to me. If they can not do so, I respectfully ask that the account be removed from my credit report with all bureaus. 

I am attaching supporting documentation, including a copy of my credit report where the account is listed. 

Thank you for addressing this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: LJ Ross Associates
State: FL

Complaint narrative:
Should be deleted off my credit report account is paid off

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AR

Complaint narrative:
Subject : Legal Notice FERPA Violation & Metro 2 Failure Remove Accounts Now Dear CFPB, I am filing this complaint to compel Equifax to take immediate corrective action for accounts that are being reported inaccurately and in violation of federal law. 

The accounts in question are : DPEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX  DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These include student loan tradelines that were reported without my written authorization a clear violation of FERPA ( 20 U.S.C. 1232g ). Furthermore, these accounts do not follow Metro 2 data field standards, resulting in reporting inconsistencies.

Despite my mailed disputes, Equifax has failed to respond appropriately or offer any method of verification, violating : 15 U.S.C. 1681i ( a ) ( 7 ) Metro 2 compliance ( as required by furnishers ) FERPA provisions on privacy of educational records If Equifax fails to delete these accounts within 4 business days, I will initiate legal proceedings through : Equifax Registered Agent in Arkansas : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  AR XXXX I do not want to take this route. Please act responsibly and remove these improper entries from my credit file immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX, DOB XX/XX/XXXX SSN XXXX XX/XX/XXXX 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 accounts opened at 1.XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXX 3. DEPT OF EDXXXX XXXX These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections 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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: OR

Complaint narrative:
am writing regarding a serious and time-sensitive matter concerning my closed account. It appears that the account was closed at the end of XXXX without any prior notice or explanation. Since then, I have not been able to access any transaction history for the months of XXXX and XXXX, and I have received no clarification from KeyBank as to why the account was closed. 

Of particular concern are XXXX large cash deposits I made into the account : {$2400.00} in XXXX {$2300.00} in XXXX Both deposits were made with the purpose of covering rent and related charges, and I submitted payments through our housing portal, which showed the transactions as completed. I have attached screen grabs as evidence of those completed transactions. 

However, due to the closure of the account and the inability to view any transaction history, I am unable to verify whether the funds were processed correctly or returned. This situation has escalated with my landlord and has placed my housing at risk, including the threat of eviction. In order to resolve this matter and provide documentation in court, I urgently need access to a full transaction history for XXXX and XXXX, along with any documentation related to the accounts closure. 

Please treat this as an urgent matter and respond at your earliest possible convenience. I would appreciate any assistance you can provide to help me clarify and rectify this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: IN

Complaint narrative:
This account was on my credit report I never applied for this credit line nor I had any knowledge of this line of credit. I did not authorized this account nor did I give permission to open such account. This is fraud please remove this account immediately from my credit. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation