vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: OH

Complaint narrative:
I am writing to dispute several hard inquiries appearing on my credit report ( XXXX ) for which I do not have a corresponding open account, or for which I believe the inquiry was not properly authorized for an account that was ultimately opened. These inquiries are negatively impacting my credit score. 

I request that the credit bureaus investigate these inquiries and remove them if no account was opened or if the inquiry was not fully authorized for an account that I currently hold. 

Here is a list of the specific hard inquiries I am disputing XXXX XXXX XXXX XXXX TransUnion, XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX Experian, XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( TransUnion, XX/XX/XXXX ) XXXX  ( Experian, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian, XX/XX/XXXX XXXX XXXX XXXX XXXX ( Experian, XX/XX/XXXX ) XXXX XXXX ( Equifax, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) - While I applied for auto financing, no direct account was opened with XXXX XXXX. 

XXXX XXXX  ( Equifax, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Experian, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX ( Experian, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX  ( Equifax, XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX Experian, XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX XXXX  ( Equifax, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Equifax, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XX/XX/XXXXXXXX XXXX XXXX XXXX ( TransUnion, XX/XX/XXXX XXXX XXXX XXXX XXXX ( Experian, XX/XX/XXXX XXXX XXXX ( TransUnion, XX/XX/XXXX XXXX I request a thorough investigation into each of these inquiries to ensure they are accurately reported and linked to an open account I possess or removed if no such account exists or if the inquiry was unauthorized. 

Thank you for your attention to 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 explanation
Consumer complaint received 2025-07-08 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: UT

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations 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 non-monetary relief
Consumer complaint received 2025-07-09 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: VA

Complaint narrative:
I did not authorize this hard inquiry and have no past or current affiliation with the company that initiated it. This unauthorized activity may be indicative of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I recently received a copy of my credit report & noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life & credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
b'I DO NOT RECOGNIZE THESE ADDRESS PLEASE REMOVE THANK YOU\nXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
I am writing to bring to your attention a serious inaccuracy on my credit report. A hard inquiry was made that I did not authorize, and I have never established any business or financial relationship with the company that initiated the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My dispute/complaint was resolved and resulted in removal, however my credit report still reflects the same discrepancy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
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 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am currently being sued by Portfolio Recovery Associates LLC for a debt of {$1100.00} plus court fees. Portfolio Recovery Associates is a debt collector and not the original creditor. I have never owned a car nor had a vehicle registered in my name, so I dispute this debt entirely. 

Additionally, my XXXX  credit report shows a separate account with XXXX XXXX for a balance of {$1300.00}, which is reported as charged off. I have never owned a car related to this account either, and I dispute owing this balance as well. 

Neither Portfolio Recovery Associates nor XXXX XXXX have provided sufficient documentation to prove that I am responsible for these debts. I have requested validation including proof of original creditor, signed contracts, and evidence linking me personally to these debts, but these have not been provided. 

I believe these debts are a result of mistaken identity or fraudulent activity. I am requesting a full investigation and correction of my credit report, and dismissal of the lawsuit filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AZ

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Complaint Summary : I am submitting this complaint regarding repeated mishandling and misapplication of my mortgage payments by NewRez LLC, which has resulted in financial distress, duplicate payments, and inaccurate account status. 

On XX/XX/year>, I mailed XXXX money orders totaling {$1500.00} to NewRez to satisfy my monthly mortgage payment. On XX/XX/year>, I received a notice stating that the payment had not been received, and that my account was past due. 

I immediately contacted NewRez and spoke with XXXX separate representatives. Both assured me that the company had not received the money orders, and even incorrectly insisted that NewRez does not operate a payment facility in XXXXthe exact location where my money orders were later confirmed to have been cashed. 

Due to this misinformation, I filed a missing payment claim with the post office and was forced to make a duplicate payment via bank transfer, incurring a {$63.00} late fee in the process. I later verified through the issuing institution and the XXXX that NewRez had in fact cashed the original money orders, contrary to what their representatives told me. 

To make matters worse, I recently discovered that the payment was misapplied toward principal instead of toward my mortgage obligation. I never authorized this, and it has created further accounting confusion and risk to my credit standing. 

On XX/XX/XXXX, I mailed another money order for my XX/XX/XXXX payment, which was again cashed by NewRez with no confirmation. Fearing another mishandling, I issued a second payment on XX/XX/XXXX, resulting in further overpayment. 

To date, NewRez has not refunded the duplicate payments, corrected the misapplication, or formally acknowledged its mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
To whom it may concern The end of XX/XX/year> I discovered that my bank account has been compromised I followed the steps us bank told me to I made a police report and disputed all chargesthey placed a hold on the account due to the fraudthey discovered my account number was compromised .. and suggested that I open new accounts with news account numbers I did so and they transferred my balance to those new accounts .. they sent new debit cards I received them I tried to activate the new debit cards and could not so I called an they said it was a hold on the new account that they told me to open they said it was for fraud I have over XXXX grand in those accounts and XXXX of the accounts Im a rep payee for this has been a financial burden I can not access my funds nor can the beneficiary to the rep payee account they said I need to come into the branch which I can not do I am XXXX old and my mobility is not very well IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I asked them do they have any other alternative and they are insisting I come to a branch location I do dont have a vehicle this has made me late on my rent and late on my credit card bills that were on automatic payment through them I have had this account XXXX I have always been in good standing pay my credit card bills on time Ive never had a problem up till now when my account was compromised I did everything they asked me to do verified everything idk what else they want me to do I BANK WITH US 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 2025-07-09 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: GA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: Global Lending Services LLC
State: MI

Complaint narrative:
I recently received a copy of my credit report & noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life & credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: MI

Complaint narrative:
I recently received a copy of my credit report & noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life & credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
I am requesting that the inaccurate bankruptcy puppet records, be permanently removed from my consumer report. I have provided supporting documentation from the court, confirming that this record is not reported to the credit bureaus and should not appear on my file. I want this puppet record deleted from all customer reporting databases under the fair credit reporting act FCRA, as it is an accurate and unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I see on my credit report that on XX/XX/year> an account for XXXX XXXX XXXX open on my behalf, I wasnt aware of this account and now it shows I owe {$900.00} I never received anything regarding this matter. 

Also theres another issue, an account for Credence Resources Management in the amount of {$760.00}. Im not aware of this company and also wasnt inform of any debt obtained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
someone had opened XXXX account under my name in XXXX, I have never lived in XXXX I have resided in XXXX since XXXX. The debt of {$120.00} was sent to collection under my name, and my social security #. I have filed a dispute with the collection agency.

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