vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple credit inquiries currently appearing on my Equifax credit report. I do not recall authorizing these inquiries and am requesting verification of permissible purpose in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please provide documentation proving that I authorized each inquiry listed below. If such documentation can not be produced, I request that these inquiries be removed immediately from my credit file. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Bank Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fair Isaac Corporation Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fair Isaac Corporation Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Duplicate Inquiry ) Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Duplicate Inquiry ) Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ( Duplicate Inquiry ) Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Multiple Inquiries Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( listed twice ), XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX If Equifax can not verify that I provided written authorization or that a permissible purpose existed for each inquiry listed above, I request that they be deleted from my credit report promptly. 
Thank you for your attention to this matter. I expect written confirmation of the results of your investigation.

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 2025-12-26 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:
To Whom It May Concern, I am writing to formally dispute multiple credit inquiries currently appearing on my Equifax credit report. I do not recall authorizing these inquiries and am requesting verification of permissible purpose in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please provide documentation proving that I authorized each inquiry listed below. If such documentation can not be produced, I request that these inquiries be removed immediately from my credit file. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Bank Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fair Isaac Corporation Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fair Isaac Corporation Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Duplicate Inquiry ) Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Duplicate Inquiry ) Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ( Duplicate Inquiry ) Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Multiple Inquiries Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( listed twice ), XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX If Equifax can not verify that I provided written authorization or that a permissible purpose existed for each inquiry listed above, I request that they be deleted from my credit report promptly. 
Thank you for your attention to this matter. I expect written confirmation of the results of your investigation.

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 2025-12-26 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: VA

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 2025-12-26 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MO

Complaint narrative:
I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request regarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious 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 2025-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On or about XX/XX/XXXX, XXXX unauthorized transfers were taken from my Chase checking and savings accounts. XXXX transfers from my savings account in the amounts of {$900.00} and {$950.00}, and XXXX transfer from my checking account in the amount of {$700.00}, were made to an external account I did not recognize or authorize, totaling approximately {$2500.00}. 

I did not initiate, approve, or consent to these transfers. A new external account was added to my profile without my authorization, and the funds were rapidly transferred out. Chases initial fraud investigation concluded that the activity originated from my phone and IP address and that biometric authentication ( XXXXXXXX XXXX  ) was allegedly used. 

I requested that Chase provide documentation or technical proof demonstrating that my XXXX XXXX was used and that the XXXX address definitively confirms authorization. To date, no such proof has been provided. Additionally, my mobile XXXX, XXXX XXXX XXXX that they can not determine whether anyone accessed my phone, and that banks do not have the ability to verify whether XXXX XXXX  was used to authorize app activity. 

I have filed a police report documenting the unauthorized electronic funds transfers and will upload the report once it is available. I am requesting full reimbursement under Regulation E for an unauthorized electronic funds transfer and a complete reconsideration of this determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am disputing unauthorized ATM withdrawals from my Chase checking account. I did not have possession of my debit card at the time of the withdrawals and did not authorize them. 

The withdrawals occurred on or about XX/XX/year> and total approximately {$4300.00}. I reported the transactions to Chase promptly once I became aware of them and filed a fraud claim. 

Chase denied my claim stating that the correct card number and PIN were used and that a text message authorization was recorded. I did not respond affirmatively to any authorization text and did not authorize these transactions. If a response was recorded, it was not made by me.

I believe my debit card and/or mobile phone number was compromised. I requested escalation and review under Regulation E for unauthorized electronic fund transfers, but Chase has maintained the denial, stating they can not verify that I did not benefit from the withdrawals. 

I am requesting a full Regulation XXXX review and reversal of the unauthorized ATM withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
My information was compromised and someone opened an account under my maiden name and old address of XXXX  years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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 submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is a lawful permissible purpose, prior written authorization, or a firm offer of credit. 

At no time did I provide consent for these inquiries, nor did I authorize any third party to access my credit information. The continued reporting of these unauthorized inquiriesabsent verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this issue be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
I deny any association with these accounts and request removal within 15 days under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
We had a loan with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX  during the covid19, we asked the XXXX  to refie my loan which they did in few days but, now its transferred to Shell point mortgage company, problem here is after paying it for 40 years I will still OWE {$380000.00}, which is HUGE surprise for me, I am working so hard to pay off the loan but this Predatory lending by shell Point and XXXX has put us in a HUGE problem..

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 2025-12-26 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover incorrectly resolved a credit card dispute in the merchant 's favor and will not reopen it even after providing documentation supporting why the transaction is not valid. The item I received was counterfeit and the documentation I provided showed that the merchant refused to let me return it, but Discover favored in the merchant because they stated to them, they gave me an opportunity to return it which was false. The merchant was supposed to provide me a shipping label, and they never did and that is also shown in the documentation provided. Discover was provided false information, and they are refusing to allow me to reopen the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing inaccurate information reported on my Experian credit report. The XXXX XXXX XXXX  account issued by XXXX XXXX XXXX  had already been closed and reported with a XXXX balance as of XX/XX/2021, according to written confirmation from the bank. 

I have requested that Experian remove this inaccurate account from my credit report, as they have no verifiable basis to report activity on the closed account. I have attached supporting documentation, including a letter from XXXX confirming the account closure and XXXX balance, and a copy of my Experian credit report showing the account in dispute. 

I request a complete investigation and the removal of the inaccurate account from my credit report, in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I opened an XXXX XXXX account back inXXXX with XXXX after seeing several advertisements that it would help build positive credit and improve your score XXXX points. After paying on this about for a few months I realized that their statements were false, so I called and asked for my account to be closed and for the money I did pay in to be returned. I didn't even know their was 2 separate accounts or that the XXXX  XXXX  was reported as a installment loan until I was trying to get a mortgage and they informed me that this account is still being reported as 90 days late when both accounts have been closed since XX/XX/XXXX. XXXX closed these accounts and returned the money I paid in so these accounts shouldn't be reporting late as recently as XX/XX/XXXX. I have tried to speak with kikofff about this matter but they refuse to fix the issues.

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