vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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:
Dear CFPB, I am writing to dispute several unauthorized hard inquiries that appear on my credit report. These inquiries were not authorized by me, and I did not apply for credit or give written or verbal consent to any of the companies listed below. I believe my credit was accessed improperly during a visit to a car dealership, and this is the second instance of such activity. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b, consumer reporting agencies are permitted to release a consumer 's credit report only when there is a permissible purposesuch as when the consumer has initiated a transaction or given explicit consent. Since no such consent was given, these inquiries violate my rights. 

Additionally, per 15 U.S. Code 1681i, I have the right to dispute any inaccurate or unauthorized information on my credit file, and your agency must conduct a reasonable investigation within 30 days. 

The unauthorized inquiries I am disputing are as follows : 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 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 XXXXXXXX I did not authorize or initiate any application for credit with these companies. These inquiries are not linked to any open or pending accounts on my credit report and were made without my consent. 

Please remove these hard inquiries from my file and confirm in writing that this action has been completed. If you believe any of these inquiries are valid, I request full documentation showing proof of my consent or application, as required under federal law. 


Thank you for your attention. Please investigate and resolve this dispute within the 30-day period required by law. 

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 2025-07-28 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:
Dear CFPB, I am writing to dispute several unauthorized hard inquiries that appear on my credit report. These inquiries were not authorized by me, and I did not apply for credit or give written or verbal consent to any of the companies listed below. I believe my credit was accessed improperly during a visit to a car dealership, and this is the second instance of such activity. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b, consumer reporting agencies are permitted to release a consumer 's credit report only when there is a permissible purposesuch as when the consumer has initiated a transaction or given explicit consent. Since no such consent was given, these inquiries violate my rights. 

Additionally, per 15 U.S. Code 1681i, I have the right to dispute any inaccurate or unauthorized information on my credit file, and your agency must conduct a reasonable investigation within 30 days. 

The unauthorized inquiries I am disputing are as follows : 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 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 XXXXXXXX I did not authorize or initiate any application for credit with these companies. These inquiries are not linked to any open or pending accounts on my credit report and were made without my consent. 

Please remove these hard inquiries from my file and confirm in writing that this action has been completed. If you believe any of these inquiries are valid, I request full documentation showing proof of my consent or application, as required under federal law. 


Thank you for your attention. Please investigate and resolve this dispute within the 30-day period required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I've had my XXXX Citibank credit card since XXXX. In that time, I have never missed a payment. My payments are due on the XXXX of every month. I do not have my account set up for automatic payments because I don't always pay the same amount every month. 

Anyway, I paid my XXXX payment just XXXX day late on XX/XX/XXXX and was charged a {$30.00} late fee because this card has no grace period like my other credit cards do. When I contacted customer service to request a goodwill adjustment, I was told it was not possible because I had received a waiver once before ( in XXXX of XXXX ). 

When I escalated to a supervisor, XXXX, I was told the late fee was required by U.S. law, which is factually incorrect. U.S. law sets maximum late fees, but it does not mandate that a late fee must be charged or prevent issuers from waiving one as a courtesy.

This feels both misleading and punitive for a loyal customer who has a solid payment history. I believe this practice is unfair and the misinformation may violate consumer protection expectations.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Reference to prior dispute XXXX. I received a email from Experian requesting information that I provided prior. I am submitting the letter along with the information they're requesting.

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 2025-07-28 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am filing this complaint against Comenity Capital Bank regarding the XXXX XXXX account number XXXX. This account was opened on XX/XX/2019, and was last updated on XX/XX/2019. The account is currently closed with a credit limit of {$2300.00}. 
I am requesting that Comenity Capital Bank cease and desist from further reporting, disclosing, or furnishing this closed and inactive account to any third-party credit bureaus or data furnishers , as it is no longer relevant or necessary and may be in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related statutes, including 15 U.S.C 1681s-2.

I have reason to believe that the continued presence of this account on my consumer credit report may be misleading or detrimental, especially considering there has been no activity or updates since XXXX  and the account is fully closed. Under FCRA, furnishers of information are required to ensure the maximum possible accuracy and must not report obsolete, inaccurate, or unnecessary damaging information. 
I am requesting that the CFPB investigate this matter and require Comenity Capital to cease the reporting or disclosing of reporting or disclosing account. This is a formal cease-and-desist request to prevent further harm to my credit profile or reputation from outdated or unnecessary information. I request full compliance with my consumer rights and appropriate action to ensure that this account is no longer disclosed in a way that negatively affects me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
There are several inaccuracies in the personal information section of my credit report, including outdated addresses that no longer apply to me. I have provided supporting documents for your review and request that these incorrect addresses be removed from my report without delay.

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 2025-07-28 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:
Dear CFPB, I am writing to dispute several unauthorized hard inquiries that appear on my credit report. These inquiries were not authorized by me, and I did not apply for credit or give written or verbal consent to any of the companies listed below. I believe my credit was accessed improperly during a visit to a car dealership, and this is the second instance of such activity. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b, consumer reporting agencies are permitted to release a consumer 's credit report only when there is a permissible purposesuch as when the consumer has initiated a transaction or given explicit consent. Since no such consent was given, these inquiries violate my rights. 

Additionally, per 15 U.S. Code 1681i, I have the right to dispute any inaccurate or unauthorized information on my credit file, and your agency must conduct a reasonable investigation within 30 days. 

The unauthorized inquiries I am disputing are as follows : 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 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 XXXXXXXX I did not authorize or initiate any application for credit with these companies. These inquiries are not linked to any open or pending accounts on my credit report and were made without my consent. 

Please remove these hard inquiries from my file and confirm in writing that this action has been completed. If you believe any of these inquiries are valid, I request full documentation showing proof of my consent or application, as required under federal law. 


Thank you for your attention. Please investigate and resolve this dispute within the 30-day period required by law. 

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ( CCS ) Payment Processing Center XXXX XXXX, XXXX RE : Alleged CCS Account XXXX XXXX XXXX XXXX XXXX ( as shown on my credit report ) FORMAL CEASEANDDESIST AND WITHDRAWAL DEMAND FDCPA1692c ( c ) FDCPA1692g ( b ) FCRA623 ( a ) ( 1 ) ( A ) I, * * XXXX * *, hereby demand that CreditCollectionServices, Inc. immediately * * cease all communication * * with me regarding the abovereferenced account.

1. * * Cease all * * telephone calls, texts, emails, letters, or other direct or indirect contacts.

2. * * Do not contact * * my employer, relatives, or any third party except for the single locationinformation attempt permitted by FDCPA1692b.

3. If you contend this debt is valid, you must : a. Provide a complete validation package that complies with FDCPA1692g ( b ) * * and * * 12C.F.R.1006.34 ( RegF itemization notice ). 
b. Suspend any creditbureau reporting until validation is supplied ( XXXX ). 
4. If you * * can not validate * *, you are obligated under FCRA623 ( a ) ( 1 ) ( A ) to * * delete or suppress * * the tradeline from XXXX XXXX XXXX XXXX  within five ( 5 ) business days.

Any communication beyond the XXXX notices allowed after a ceaseanddesist ( termination of collection or notice of specific legal remedy ) will constitute a willful violation subject to civil remedies under FDCPA1692k and FCRA1681no. Such violations will be reported to the Consumer Financial Protection Bureau, the XXXX  Attorney General, and other relevant regulators, and may be the basis for litigation. 

This notice does * * not * * constitute an admission of liability and does * * not * * waive my right to dispute the debt. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
- Experian received my valid FTC Identity Theft Report on XX/XX/year>. 
- Under 15 U.S.C. 1681c2, Experian was required to block the fraudulent accounts by XX/XX/year>, but failed. 
- Under 15 U.S.C. 1681a ( q ) ( 4 ), Experian must accept FTC reports as validthere is no requirement for a local police report. 
- Experian continues to report fraudulent accounts despite notification, violating 1681s2 ( a ) ( 6 ). 
- Experian failed to conduct an adequate reinvestigation as required under 1681i.

- As a result, Ive suffered damage to credit, denial of credit opportunities, emotional distress, and loss of time. 
- I demand : removal of all fraudulent items, written confirmation, and compensation under 616 and 617.

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 2025-07-28 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: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-28 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 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine XXXX  - XXXX - Account 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 non-monetary relief
Consumer complaint received 2025-07-28 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: AL

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 non-monetary relief
Consumer complaint received 2025-07-28 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: AL

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 2025-07-28 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account 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