vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
IMMEDIATE ACTION DEMANDED : As a documented victim of identity theft and data breaches ( see attached FTC Report # XXXX, XXXX XXXX breach records, and all regulatory complaints ), I DEMAND immediate, permanent deletion and blocking of the following accounts and all related negative data. This is my 3rd immediate deletion command, after multiple disputes since XXXX 2025 and escalation to the CFPB. Failure to comply will result in immediate court action for max statutory/punitive damages. 

FINAL LEGAL WARNING & COURT ESCALATION : If you do not comply within 4 business days, I will immediately escalate this matter to court, seeking maximum statutory and punitive damages for willful noncompliance under FCRA, FDCPA, Truth in Lending, GLBA, and all relevant state and federal consumer protection laws. This is your third and FINAL notice. Continued reporting or any form of retaliation will be met with immediate legal action.

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
In XXXX XXXX XXXX, i entered into a debt management program XXXX XXXX, during at which point they sent a proposal and a payment to Continental Finance for new payment terms of {$41.00} per month to help me pay off this debt. Continental Finance replied with a rejection of proposal and requested a payment of {$47.00} per month to accept terms. I agreed and XXXX XXXX sent additional payment and new propasal stating {$47.00} per month. On XXXX XXXX, Continental Finance rejected the proposal of {$47.00} per month ( Of which they requested the payment to be. ) and is now requesting {$49.00} per month. my last full payment made was XX/XX/2025. XXXX XXXX has been making payments since XX/XX/2025. Continental Finance keeps requesting a payment increase then rejecting their own request and continuing to mark my credit report late. This has to stop. i want to late reports to be removed. I understand i created this debt and i am trying to pay my debt. they amount owed is not in disputed, however, the practices that this company is using to further increase my debt is illegal and unethical.

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 2025-07-10 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed accounts XXXX XXXX  {$16.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX I am reporting a fraudulent inquiry and a fraudulent account found in my credit report

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 2025-07-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I NEVER GAVE ANY OF THE CREDIT REPORTING AGENCIES PERMISSION TO HAVE ACCESS TO MY PERSONAL INFORMATION OR TO ADD ANYTHING ON TO MY CREDIT REPORTS. ACCORDING TO FCRA 15 USC 1681B PERMISSIBLE PURPOSES ANY CREDIT REPORTING AGENCIES WANTING TO ADD ANYTHING ON TO MY CREDIT REPORTS MUST RECEIVE MY WRITTEN CONSENT AND IF I DID NOT GIVE AUTHORIZATION THEY ARE IN VIOLATION OF THE FCRA. IN REGARD TO THE CHARGE OFFS THE IRS PUBLICATION AND LAWS STATES THAT CHARGE OFFS ARE CONSIDERED A CERTIFICATE OF INDEBTEDNESS WHICH IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON MY CONSUMER REPORTS PURSUANT TO 26 USC 61/26 CFR 1.643/20 CFR 211.2. BASED UPON THE LAWS THAT I HAVE CITED IT IS CLEAR THAT THE CREDIT REPORTING AGENCIES HAVE VIOLATED MY CONSUMER RIGHTS. IF THEY DO NOT CORRECT THESE ERRORS I WILL BE TAKING LEGAL AND CIVIL ACTION. LASTLY, I WILL BE INVOKING FERPA IN REGARD TO THE STUDENT LOANS. FERPA IS A FEDERAL LAW ENACTED IN 1974 THAT PROTECTS THE PRIVACY OF STUDENT EDUCATION RECORDS. FERPA APPLIES TO ANY PUBLIC OR PRIVATE ELEMENTARY, SECONDARY, OR POST SECONDARY SCHOOL. 20 USC 1232g ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
I NEVER GAVE ANY OF THE CREDIT REPORTING AGENCIES PERMISSION TO HAVE ACCESS TO MY PERSONAL INFORMATION OR TO ADD ANYTHING ON TO MY CREDIT REPORTS. ACCORDING TO FCRA 15 USC 1681B PERMISSIBLE PURPOSES ANY CREDIT REPORTING AGENCIES WANTING TO ADD ANYTHING ON TO MY CREDIT REPORTS MUST RECEIVE MY WRITTEN CONSENT AND IF I DID NOT GIVE AUTHORIZATION THEY ARE IN VIOLATION OF THE FCRA. IN REGARD TO THE CHARGE OFFS THE IRS PUBLICATION AND LAWS STATES THAT CHARGE OFFS ARE CONSIDERED A CERTIFICATE OF INDEBTEDNESS WHICH IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON MY CONSUMER REPORTS PURSUANT TO 26 USC 61/26 CFR 1.643/20 CFR 211.2. BASED UPON THE LAWS THAT I HAVE CITED IT IS CLEAR THAT THE CREDIT REPORTING AGENCIES HAVE VIOLATED MY CONSUMER RIGHTS. IF THEY DO NOT CORRECT THESE ERRORS I WILL BE TAKING LEGAL AND CIVIL ACTION. LASTLY, I WILL BE INVOKING FERPA IN REGARD TO THE STUDENT LOANS. FERPA IS A FEDERAL LAW ENACTED IN 1974 THAT PROTECTS THE PRIVACY OF STUDENT EDUCATION RECORDS. FERPA APPLIES TO ANY PUBLIC OR PRIVATE ELEMENTARY, SECONDARY, OR POST SECONDARY SCHOOL. 20 USC 1232g ( b ).

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 2025-07-10 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: DE

Complaint narrative:
This account is being inaccurately reported on my credit file. It is showing as a collection account, but I do not recall ever opening or being associated with it.

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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: VW Credit
State: AL

Complaint narrative:
My car was repossessed besides I got behind on payments I wasnt able to pay at the time now Im working and it has been repossessed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint to report a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). A previously disputed and deleted fraudulent account has been reinserted into my credit report without any proper notice or legal compliance.

Details of the Fraudulent Account : Creditor : XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX. Account number XXXX Date opened XX/XX/XXXX Balance {$2000.00} I submitted an official FTC Identity Theft Report ( Report # : XXXX ) on XX/XX/XXXX, confirming that this account was fraudulently opened in my name. Despite prior removal of the account, it has since reappeared on my credit report. I never received the legally required written notice of reinsertion or any information identifying the furnisher, as required by FCRA 611 ( a ) ( 5 ) ( B ).

This lack of notice and verification is a clear violation of my rights and has caused significant harm to my creditworthiness and financial well-being.

Fair Resolution Requested : 1. Immediate and permanent deletion of the XXXX XXXX account from all credit reports ( XXXX, Experian, and XXXX  ). 
2. Written confirmation that the account has been removed and will not be reinserted unless the credit bureau complies fully with FCRA 611 ( a ) ( 5 ) ( B ).

3. Blocking of identity theft-related information under FCRA 605B, based on the FTC Identity Theft Report already provided.

4. An investigation into XXXX XXXX or any third-party furnisher that may have violated FCRA 623 ( a ) ( 6 ) by knowingly furnishing previously disputed fraudulent data.

5. Restoration of my credit file, including the removal of any negative marks, collections, or derogatory references connected to this fraudulent account.

6. Regulatory oversight by the CFPB and potential enforcement actions for any violations of federal consumer protection laws.

I respectfully request your assistance in correcting this issue and ensuring my rights as a consumer are protected. Attached is my FTC Identity Theft Report for your reference. 

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I opened a fraud dispute through citizens bank on XX/XX/year> in the amount of {$5100.00} for fraudulent unauthorized transactions from XXXX XXXX, an online casino. 

I did not make these transactions. Citizens Bank did not provide proof that I made these transactions from their investigation with the merchant. 

I reached out to the merchant directly several times as well and they were not able to provide this proof as well. I am a victim of fraud. 

Citizens has a XXXX XXXX XXXX for their debit cards as outlined in their webpage in the link provided below. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Subject : Urgent : Unfair Treatment Regarding Payment and Interest Charges I am writing to express my deep frustration and disappointment regarding a recent payment I made to Citibank Best Buy Credit Card. Due to the lack of sufficient and clear information provided, my payment was short, and as a result, I have been charged an outrageous {$3000.00} in interest fees despite the actual balance owed being only {$130.00}. 

What makes this situation even more unacceptable is the fact that my payment was accepted without any indication or communication that the outstanding interest would not be waived. This omission of critical information was both misleading and deceptive. Had I been informed upfront, I would have taken the necessary steps to ensure my payment fully satisfied all obligations to avoid such a substantial and unjust fee. 

Adding to my frustration, I have written to the provided address three times regarding this matter and have yet to receive any confirmation of receipt, response, or call back. This complete lack of acknowledgment and follow-up is unacceptable and further demonstrates the disregard for customers who are seeking fair resolution and clarity. 

I've been told my multiple associates that the interest can be adjusted if I write in, however each time I write in, I get no resolution. This situation has been going on for well over a year, however due to medical issues I did not pursue this issue as aggressively as I should have. Now that my health is back in order, I am writing into the CFPB to assist me since I have had no luck thus far. 

This lack of transparency, communication, and basic customer consideration is unacceptable from any organization, let alone one that I have entrusted with my financial matters. The {$3000.00} interest charge is entirely disproportionate to the balance owed and was avoidable had your team provided proper, honest, and timely communication. 

It is deeply disheartening to experience such practices, which erode any trust or confidence I had in your organization. I urge you to address this matter with the seriousness and urgency it demands. Should this issue not be resolved promptly and fairly, I will be left with no choice but to explore alternative actions, including filing formal complaints with relevant regulatory agencies and seeking legal recourse to protect my rights as a consumer. 

I look forward to your immediate response detailing the steps your company is taking to correct this error and prevent future harm. 

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 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

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 2025-07-10 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal dispute concerning an inaccurately reported late payment. I have consistently met my payment deadlines, and this entry contradicts my personal records and responsible credit behavior.

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 2025-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I

am filing this complaint against Equifax for reporting multiple unauthorized hard inquiries on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). These inquiries were not initiated or approved by me, and Equifax has failed to verify their legitimacy or remove them, despite being notified. The following hard inquiries were made without my knowledge or consent
: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not apply for credit with any of these companies, nor did I authorize them to pull my credit. According to FCRA 604 ( a ) ( 3 ), consumer reporting agencies are only permitted to share a consumers credit report when there is a certified permissible purpose, such as a credit application initiated by the consumer. In all of these cases, no such purpose existed.

For example, the inquiry by XXXX was made on XX/XX/year>, yet I did not interact with this company in any capacity. Similarly, XXXX XXXX and XXXX made inquiries on XX/XX/year>, and I had no communication or application process with either entity. All three inquiries appeared on my credit report without consent, notice, or a corresponding transaction.

This is not only a violation of FCRA 604, but Equifax has also failed to fulfill its obligation under FCRA 1681i ( a ), which requires them to reinvestigate and remove any item that can not be verified within 30 days of dispute. These inquiries remain on my file despite being factually disputed and lacking documentation of authorization.

What I Am Requesting : I am requesting that the Consumer Financial Protection Bureau take enforcement action to ensure Equifax immediately removes the unauthorized hard inquiries listed above from my credit report. These inquiries were made without my consent, and Equifax has failed to verify them or provide documentation proving a permissible purpose.

I also ask that Equifax conduct a full reinvestigation of each inquiry and supply me with written confirmation that they have been removed. If they can not provide evidence of consumer-initiated transactions or written authorization, these items must be deleted in accordance with FCRA 1681i ( a ) ( 5 ).

This ongoing inaccuracy is not only harmful to my creditworthiness but is also a violation of my rights as a consumer. I am relying on the CFPB to hold Equifax accountable and ensure my credit file is corrected immediately.

Thank you for your support in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2024, I applied for a vehicle loan through XXXX XXXX and XXXX XXXX. I gave permission for a credit inquiry only to one lender in each dealership. However, they submitted multiple hard inquiries to more than 20 lenders without my explicit consent. I was not informed this would happen, and I did not authorize that many credit pulls.

These excessive inquiries negatively impacted my credit score and were not justified. I have contacted both dealerships and requested a list of the lenders they submitted my report to and copies of signed authorization forms. They have not provided this information or resolved the issue.

Im requesting the CFPB to investigate this misuse of my credit report and to assist in having the unauthorized inquiries removed.

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 2025-07-10 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: FL

Complaint narrative:
This is a formal dispute regarding the presence of fraudulent information on my credit report. These entries were not authorized, initiated, or approved by me in any form.

Company response to consumer: Closed with non-monetary relief