vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I am writing to urgently dispute multiple unauthorized inquiries that have appeared on my credit report. These inquiries have negatively impacted both my credit and credit score. 

I previously contacted your agency regarding this matter and was assured by a representative that these unauthorized inquiries would be removed. However, they remain on my report, and this failure to act is unacceptable. 

The continued presence of these inquiries is deeply concerning and may indicate potential identity theft. This situation is causing me ongoing emotional distress and financial harm.

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 2025-07-22 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:
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 2025-07-23 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: TN

Complaint narrative:
Fraudulent accounts displayed to my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TN

Complaint narrative:
Fraudulent accounts displayed to my credit reports

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 2025-07-22 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: DE

Complaint narrative:
Im reaching out to dispute a couple of addresses that are incorrectly listed on my credit report. These addresses do not belong to me and Id like them removed.

Under the Fair Credit Reporting Act ( FCRA ), Im entitled to a report thats accurate and free from information that doesnt belong to me. These old or incorrect addresses are not valid and could potentially cause confusion or errors with future reporting. 
These addresses are either the result of outdated data, misreporting, or inaccurate association. Regardless of how they got there, they have no legitimate connection to me, and their presence could lead to incorrect matches, identity confusion, and even wrongful account linkage.

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 2025-07-23 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
The following unauthorized hard inquiries appear on my credit file from " XXXXU S COLLECTIONS WE '' known as US COLLECTIONS WEST : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX I spoke with XXXX XXXX XXXX who works with US COLLECTIONS WEST, on a phone call to ask about the unauthorized inquiries. XXXX XXXX said she " did not know '' why my credit was pulled. 

On XX/XX/XXXX, I sent the following email; * * * Start of email on XX/XX/XXXX from myself * * * As discussed over the phone, I have recently learned through reviewing my credit report that US COLLECTIONS WEST has hard pulled my credit three times without authorization. 

US COLLECTIONS WEST hard pulled my credit on XX/XX/XXXX without my authorization. 

US COLLECTIONS WEST hard pulled my credit on XX/XX/XXXX without my authorization. 

US COLLECTIONS WEST hard pulled my credit on XX/XX/XXXX without my authorization. 

On the phone, you said you " did not know '' the reason. Please provide a permissible reason that my credit was pulled or confirm that you don't know why it was pulled. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you provide documentation of my authorization for the hard inquiries placed on my credit report dated above. If you can not provide evidence of such authorization or a valid permissible purpose, I request the inquiries be removed from all three credit bureaus. 

Note that a soft inquiry is justified for collections of a legitimate debt under the FCRA. This is not a permissible purpose for a hard pull under the FCRA. 
* * * End of email * * * On XX/XX/XXXX, after calling multiple times to request a response to my email, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in regards to the hard inquiries on your credit, after discussing with our attorney we as a collection agency can pull credit, We pull credit for location purposes or asset search.and we don't need authorization to do so. 

we are not bound BY the FCRA. 


Dear XXXX, I am writing to clarify your concerns regarding the hard inquiries on your credit. After discussing this matter with our attorney, we can confirm that as a collection agency, we are authorized to pull credit reports for specific purposes, such as location searches or asset identification. We do not require your authorization to do so. 

Please note that as a collection agency, we are not bound by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stating that a collections agency is not bound by FCRA laws is interesting... 

I have done what I could to resolve the matter directly with US COLLECTIONS WEST, I am now attempting to dispute it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Subject : Wrongful Repossession & Repossession Fee Dispute Failure to Notify Lienholder of Auction Extension Complaint Summary : On XX/XX/XXXX my vehicle ( XXXX XXXX XXXX, last 6 of vin XXXX ) was towed by the XXXX XXXX XXXX ( XXXX ) and set to be auctioned on XX/XX/XXXX. 

Before that auction date, I contacted the XXXX and received confirmation ( verbally ) that the auction date had been extended to XX/XX/XXXX. They also said they would be sending papertrail confirming but that was also never received. Based on this information, I went to the XXXX tow lot on [ XX/XX/XXXX ] with the intent to pay for and reclaim my vehicle. 

However, I was told the vehicle had already been repossessed by Toyota Financial Services, earlier that same morning, who claim they were never informed of the extended auction date. As a result, XXXX initiated a repossession based on the original auction date, even though I was actively in the process of reclaiming the vehicle under the new timeline. 

I am now being charged a large fee for the repossession and required to pay the full amount that XXXX 's XXXX XXXX XXXX XXXX paid off from the XXXX, despite : My timely attempt to retrieve the car My reliance on XXXX 's auction extension XXXX Financials failure to verify the current auction status before repossession The fact that the vehicle was taken from a city-controlled tow lot, not my property, which XXXX constitute a breach of peace and improper repossession under applicable state and UCC law XXXX Especially considering I never received mail, email or phone calls regarding their plan to repossess my car, otherwise, this never would have happened. I also had a set plan with the XXXX about starting a payment plan to get my car off the lot ( again, same day it was unwilfully repossessed ). 

I have formally requested written confirmation of the auction extension from XXXX, but they have refused to release it leaving me without proof despite their verbal confirmation. Although, they confirmed 3 times that they have on file the auction date being set to XX/XX/XXXX. 

This situation has caused financial and emotional XXXX, as I acted in good faith, attempted to reclaim the vehicle, and was not in default in any new or escalated way. The repossession was based on outdated and incorrect information a fact outside of my control and therefore, I should not be liable for this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
To Whom It May Concern, CC : Consumer Financial Protection Bureau ( CFPB ) I am writing to formally dispute and demand the permanent deletion of the following accounts that are fraudulently reporting on my credit reports with Experian, Equifax, and TransUnion. These accounts were opened without my knowledge, authorization, or consent, and I am the victim of identity theft : XXXXXXXX XXXX XXXX {$800.00XXXX XXXX XXXX XXXX  XXXX {$960.00} XXXX XXXX XXXX XXXX  {$700.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX {$230.00} Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), also known as the Block of Information Resulting from Identity Theft, you are required by law to block and permanently delete fraudulent information from my credit file once proper documentation is provided. I am enclosing my FTC Identity Theft Affidavit, police report, and copies of my government-issued ID and Social Security card to support my claim and verify my identity.

Furthermore, under 15 U.S.C. 1681e ( a ), you are obligated to maintain reasonable procedures to assure maximum possible accuracy in the reporting of consumer credit information. Allowing the continuation of these unauthorized accounts, despite being presented with documented evidence of fraud, constitutes willful noncompliance with your duties under the FCRA. 
In addition, the continued reporting of these fraudulent accounts violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and potentially exposes the furnishers and the credit bureaus to liability under 15 U.S.C. 1681n and 1681o for negligent or willful failure to comply with federal consumer protection laws. 
I am requesting that each of the listed accounts be thoroughly investigated and permanently removed from my credit reports across all three major credit reporting agencies. Failure to comply will result in a formal complaint being pursued with the Consumer Financial Protection Bureau ( CFPB ) and further legal remedies under state and federal law. 
Please confirm in writing once these accounts have been removed. I expect all required actions to be taken within the statutory time period of 30 days under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
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 2025-07-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not authorize these companies to access my credit report, nor did I apply for any services with them. This is a clear violation of my rights as a consumer, and it adds unnecessary XXXX  to an already difficult situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
Im reaching out once again about multiple unauthorized inquiries that were made on my credit report without my consent. I never gave these companies permission to access my credit, and their presence has negatively impacted my credit score. I spoke with a representative at Experian who assured me they would be removed, yet they are still showing up. This ongoing situation is deeply concerning and has left me feeling anxious and stressed, especially given the possibility that my personal information may have been compromised. As someone working hard to maintain financial stability, these unauthorized inquiries are more than just an inconveniencethey are a violation of my rights.

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 2025-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I used my student email to open my XXXX XXXX  account back in college. Recently, I was alerted by my XXXX university that I'll no longer have access to my student email starting on XX/XX/XXXX. For context, I XXXX  back in XXXX. At first, I tried to change my email address on my XXXX  account from my school email to my personal one, and I was not allowed to. " No problem, '' I thought to myself " I'll just contact customer service ; this should be a quick fix. '' I was totally wrong. I submitted the ticket in early XXXX and it's almost XXXX. 

I've been frantically reaching out to customer service after completing all of their requests and I am not getting ANY responses. 

I NEED MY EMAIL CHANGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX  for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " XXXX  days past due '' delinquency. XXXX  is reporting " Paid account/was 30 days past due '' with a " XXXX delinquent '' status. XXXX  is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. 
Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least XXXX  days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within XXXX  days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief