vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-27 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
To Whom It May Concern, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information.

This specifically concerns a charge-off account reported under Account Number : XXXX ( XXXX XXXX ), which I do not recognize and do not recall authorizing. 

Additionally, I am disputing the following negative and derogatory information : XXXX XXXX marked XXXX  days late, balance {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  days late, balance {$62000.00} XXXX XXXX XXXX XXXX XXXX late payments Stellantis Auto Loan account showing dispute resolved, still marked derogatory XXXX Auto account showing XXXX late history Collection : Credit Coll/ The General Insurance balance {$110.00} , reported as derogatory collection account In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information.

2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms.

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

.Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information.

This specifically concerns a charge-off account reported under Account Number : XXXX ( XXXX XXXX ), which I do not recognize and do not recall authorizing. 

Additionally, I am disputing the following negative and derogatory information : XXXX XXXX marked XXXX  days late, balance {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  days late, balance {$62000.00} XXXX XXXX XXXX XXXX XXXX late payments Stellantis Auto Loan account showing dispute resolved, still marked derogatory XXXX Auto account showing XXXX late history Collection : Credit Coll/ The General Insurance balance {$110.00} , reported as derogatory collection account In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information.

2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms.

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

.Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute..

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 2025-08-27 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Incorrect information has been published in my report. I have contacted the company ; however, they have failed to update my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: RI

Complaint narrative:
I am disputing the inaccurate reporting of a collection account from POSIBLEFINA. This account is being reported inconsistently across the credit bureaus XXXX XXXX shows it as Closed Collection/Chargeoff, Payment after charge-off/collection, Dispute resolved. 

XXXX shows it as Closed Collection/Chargeoff, Unpaid balance reported as a loss. 

XXXX does not report this account at all. 

On XX/XX/year>, I submitted a written dispute requesting validation and supporting documentation. I provided identification, proof of address, and highlighted reports. The furnisher has not provided proper validation or corrected the reporting, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
They already sent me the money back ; the issue is not that ; they are committing fraud, and they are going to do it again. 

I have physical proof that shows that Wells Fargo put in their records that I called to authorize a deduction of " {$150.00} with change from my debit account to pay my credit card ; that call and authorization they are claiming is false and fraudulent as I never did ; and furthermore, such payment was performed by me days prior to their fraudulent deduction. 
There actions affected my payment with my mortgage company why it was already in the process to deduct the payment from account. 

Why all this important because their aware that I'm struggling in finances and they were seeking to put me in default on purpose, not only with them but with my Morgage company too- they are evil! and if you don't help XXXX will be my vindicator! I have requested multiple time t/o hear such recording that they claim they have, and they continue to refuse ; today XX/XX/year> they have audacity to tell me get a court order ; that is how you know that they are covering their wrongdoing and illegal actions. 

You guys have to do much more to resolve this for the wellbeing of us, the people including elders that can not elders that can not defend themselves ; why you don't ask for such recording, I gave you the dates on the previous complaint ; don't do the bear minimum because if not your part of the problem as well. 

Thank you 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 non-monetary relief
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
I have previously disputed Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the closure of my prior Citi Bank accounts and the subsequent denial of my ability to open new deposit or credit accounts. I have been a victim of identity theft, and for the past seven ( 7 ) years I have worked diligently to clear fraudulent activity from my records. This has included filing FTC Identity Theft Reports, police reports, and retaining an attorney to represent me in these matters.

Since the identity theft occurred, I have changed both my residential address and phone number, and I request that my updated contact information be reflected in all Citi Bank systems : Current Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, CA XXXX Current Phone Number : XXXX At present, my XXXX, XXXX, and XXXX XXXX XXXX files have all been cleared of negative items, and my consumer reports reflect no derogatory accounts or closures that would lawfully prevent me from opening a new account or credit line with your institution. 
Despite this, Citi Bank continues to deny me access to banking services, which constitutes an unfair and unlawful restriction under several federal consumer protection statutes : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under 1681i and 1681s-2, I have the right to dispute and demand correction of inaccurate or fraudulent information furnished by or relied upon by financial institutions. Since my consumer reporting agencies no longer show negative data, Citi Bank can not lawfully rely on obsolete or inaccurate information to deny me banking services.

Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c-1 FACTA specifically protects identity theft victims and provides mechanisms for institutions to honor fraud alerts and corrected records. Continuing to deny me an account due to prior fraud directly violates these protections.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. This requires financial institutions to safeguard consumer information and take reasonable measures to protect victims of identity theft.

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq. Discriminating against me by denying credit and deposit services for reasons unrelated to my present creditworthiness constitutes unlawful discrimination.

Consumer Financial Protection Bureau ( CFPB ) Regulations CFPB guidance makes clear that institutions can not indefinitely restrict consumers who have resolved prior fraudulent incidents.

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 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: VA

Complaint narrative:
Detailed Summary of Events XX/XX/XXXX We vacated the apartment. Shortly after, we received a final statement showing a balance of {$780.00}, which the property claimed was due to damages and cleaning fees. The totals provided did not accurately reflect the alleged damages. 

XX/XX/XXXXXXXX XXXX  I emailed the property management to formally dispute the charges, outlining specific reasons for my dispute. I was informed the email would be forwarded to the corporate office. That same day, the property manager responded, declining to reverse the charges and stating we could contact her directly. When we attempted to do so, she refused to speak with us. We do not believe our dispute was forwarded to corporate, as we later reached out several times and received no response. 

XX/XX/XXXX We received an email from someone connected to the apartments account team asking us to make payment arrangements. On the same day, we again formally disputed the charges via email, requesting receipts within 710 days showing proof of the alleged expenses. We also provided personal phone numbers and offered to set up a time to discuss. No response was received. 

XX/XX/XXXXXXXX XXXX  We received a debt collection letter from IQ Data, attempting to collect the balance. The letter stated we had the right to dispute the debt in writing by XX/XX/XXXX, and that collections must stop until validation of the debt was provided. 

XX/XX/XXXX We sent a certified dispute letter to IQ Data, including copies of our prior email communications with the property manager ( XXXX ) showing our earlier attempts to dispute. 

XX/XX/XXXX USPS tracking confirmed that our certified letter was received and signed for by XXXX XXXX at IQ Data. 

Despite this, no validation of the debt was ever provided by IQ Data or XXXX. 

XX/XX/XXXX The disputed debt was nevertheless placed on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I noticed this problem on my credit report in XX/XX/year> there are multiple inaccuracies reporting on my credit report. Please remove it from my credit report as soon as possible. Im a victim of identity theft and these accounts are not mine.

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 2025-08-27 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:
I am disputing to you as a consumer who has always strived to maintain honest and accurate credit history. Unfortunately, my recent credit reports have reflected a number of accounts, charge-offs, collections, and inquiries that I firmly believe are inaccurate, incomplete, or not legally verifiable. These negative items are causing me great hardship and are not in compliance with the Fair Credit Reporting Act ( FCRA ). 
Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information I believe to be inaccurate. Accordingly, I am requesting reinvestigation and deletion of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} In addition, there are charge-off accounts listed with balances above {$600.00}. Under federal law, creditors issuing cancellations of debt exceeding {$600.00} are required to provide an IRS Form 1099-C. Since no such form has been issued or provided, these entries can not be legally verified and must be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$600.00} I also dispute the following collection accounts. Under FCRA 605B / 15 U.S.C. 1681c-2, information that results from identity theft, misrepresentation, or unauthorized activity must be blocked from consumer reports upon proper notice. These collections are inaccurate, unauthorized, and must be deleted immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXXXXXX Balance Owed : {$1200.00} Furthermore, my report reflects inquiries that were not authorized by me. These inquiries are not permissible under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and reporting them without a permissible purpose is a violation of FCRA 619 15 U.S.C. 1681q. I request their immediate deletion : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am disputing to you as a consumer who has always strived to maintain honest and accurate credit history. Unfortunately, my recent credit reports have reflected a number of accounts, charge-offs, collections, and inquiries that I firmly believe are inaccurate, incomplete, or not legally verifiable. These negative items are causing me great hardship and are not in compliance with the Fair Credit Reporting Act ( FCRA ). 
Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information I believe to be inaccurate. Accordingly, I am requesting reinvestigation and deletion of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} In addition, there are charge-off accounts listed with balances above {$600.00}. Under federal law, creditors issuing cancellations of debt exceeding {$600.00} are required to provide an IRS Form 1099-C. Since no such form has been issued or provided, these entries can not be legally verified and must be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$600.00} I also dispute the following collection accounts. Under FCRA 605B / 15 U.S.C. 1681c-2, information that results from identity theft, misrepresentation, or unauthorized activity must be blocked from consumer reports upon proper notice. These collections are inaccurate, unauthorized, and must be deleted immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXXXXXX Balance Owed : {$1200.00} Furthermore, my report reflects inquiries that were not authorized by me. These inquiries are not permissible under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and reporting them without a permissible purpose is a violation of FCRA 619 15 U.S.C. 1681q. I request their immediate deletion : 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 XXXXXX/XX/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 non-monetary relief