vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
On XX/XX/year>2025, I asked Experian to conduct an investigation into unauthorized inquiries on my credit report, explaining that I did not sign an application for credit, nor did the entities who gained access to my consumer report, extend credit to me. Experian did not investigate, and the items remained. 

I followed up on XX/XX/year>2025, with Experian, via Certified Mail, asking them to remove the unauthorized credit inquiries. I explained to them that they were in violation of the law, FCRA Section 604 which states that they can not release my consumer report to a lender unless there is written consent.

Experian did not investigate, as required under FCRA 611, nor did they provide me with any information surrounding the authenticity of these inquiries. They have kept these unauthorized inquiries on my credit file, which is suppressing my credit scores.

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 2025-05-15 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: NC

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 2025-05-15 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: MO

Complaint narrative:
Conduct a reasonable reinvestigation of disputed information under 15 U.S.C. 1681i ( a ) ( 1 ), Forward all relevant information I provide to the data furnisher ( creditor or collector ) per 1681i ( a ) ( 2 ), Delete or correct any information that is found to be inaccurate, incomplete, or unverifiable ( 1681i ( a ) ( 5 ) ), Provide a clear and complete notice of the results of its reinvestigation ( 1681i ( a ) ( 6 ) ), and Ensure maximum possible accuracy of the information reported ( 1681e ( b ) ).

However, based on my experience, Experian has failed to fulfill these duties in several ways : By mischaracterizing my disputes using inaccurate or generic codes, as referenced in the CFPB 's lawsuit.

By failing to forward supporting documentation I provided.

By relying solely on automated responses from data furnisherseven when those responses were inconsistent or illogical.

By providing vague and contradictory reinvestigation result notices that left me uncertain about what was actually reviewed or updated.

These failures not only violate the FCRA, but they have caused or contributed to the continued presence of inaccurate and harmful information in my credit file, which may have adversely affected my ability to access credit or other services.

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 2025-05-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Upon reviewing my credit report, I have identified several items of personal information being reported incorrectly. These inaccuracies are not only misleading, but also potentially damaging to my identity and creditworthiness. 

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are required by law to conduct a reinvestigation of any information a consumer disputes as inaccurate, and must correct or delete any unverifiable or incorrect data. 

Please ensure that only the following verified and accurate personal information remains on my credit file : My full legal name : XXXX XXXX XXXX XXXX My current address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX My Social Security number : XXXX My employer : XXXX XXXX XXXX XXXX date of birth : XX/XX/XXXX I also request that all other names, addresses, employers, phone numbers, or identifiers not listed above be permanently deleted from my credit file, as they are erroneous or the result of previous identity mismatches, outdated records, or potential fraud. 
Furthermore, I have opted out in writing of any forced arbitration agreements and retain my full right to seek legal relief if this matter is not resolved in accordance with federal law. 

As provided by the FCRA, I expect confirmation of deletion or correction within 30 days, along with an updated copy of my credit report reflecting the accurate information listed above. 

Attached Supporting Documents : Copy of my photo ID Copy of my Social Security card Proof of address Sincerely, 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 2025-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I have an auto loan through Lendmark Financial Services. My vehicle was recently damaged, and the insurance company approved a {$6000.00} payout for repairs not a total loss. I communicated to Lendmark that I intended to use the insurance funds to repair the vehicle and work out a payment plan to bring my loan current. 

Despite this, Lendmark is refusing to sign off on the insurance check, effectively blocking the repairs from being made. Their refusal is preventing me from restoring the vehicle which is the collateral for the loan and from bringing the account back into good standing. 

What Lendmark is doing appears to be legally questionable, as they are interfering with my ability to cure the default and preserve the value of the asset. I believe this behavior violates fair lending and servicing practices, and I am requesting CFPB assistance to require Lendmark to release or endorse the insurance check so I can make the necessary repairs and repay my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX a deposit for {$400.00}, and on XX/XX/XXXX a deposit for {$270.00}, as well as XX/XX/XXXX a deposit of {$190.00}, and XX/XX/XXXX a deposit of {$130.00} were all made to my chime account and shortly after every deposit there was transactions that totaled in the full amount of the money deposited into the account and the deposit was made through XXXX XXXX and I went back to ask the teller why that happened and he told me the money was just on a hold until the funds were verified but they never went back to my account and I called chime to report this and yesterday they sent me an email saying my claim was denied because the transactions were not deemed to be fraudulent but the merchant who charged these transactions, I have no relationship with them whatsoever nor have I ever done business with them so it doesnt make sense how my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
I applied for the Fit Mastercard and was charged a {$95.00} processing fee. I was told I would only receive a refund if I chose not to activate the card. However, they did not disclose the {$99.00} annual fee that would be billed on the next billing statement until the activation call, after I had already paid. The letter made it seem as if I would have {$400.00} available to me. Instead, only {$300.00} is available after activation. When I asked for details about the processing fee, the representative could not explain it. 

I felt financially pressured to activate the card to avoid losing my {$95.00}, even though I would not have proceeded had I known about the annual fee. I believe this is a deceptive practice that took advantage of my financial situation and failed to provide transparent fee disclosures upfront. I request a full refund and ask the CFPB to investigate this practice.

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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I have recently received a copy of my credit report and I noticed that there are several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have detrimental to my credit health.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX S.C XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, Subject : Dispute of Inaccurate Credit Information Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) I am writing to formally dispute several inaccuracies on my credit report as provided by your agency. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), I request that the following items be investigated and removed due to their inaccuracy and unverifiability : 1. XXXX XXXX Acct # XXXX 2. XXXX XXXX  Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX 4. XXXX Acct # XXXX Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. These accounts are inaccurate and do not reflect my true credit history.

Furthermore, under 15 U.S.C. 1681i ( a ), I request a reinvestigation of these disputed items. If the information can not be verified within 30 days, it must be deleted from my credit report.

Please conduct a reasonable investigation of these matters and delete any information that can not be verified or is found to be inaccurate. I request written confirmation of the results of your investigation and an updated copy of my credit report.

Attached are copies of documents supporting my claim ( e.g., proof of identity, account statements, letters, etc. ). 

Thank you for your prompt attention to this matter. 


Sincerely, 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 2025-05-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-05-15 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: MO

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft Request for Immediate Deletion of Fraudulent XXXX XXXX Account from My Credit Report Dear Experian and Equifax, I am writing to formally dispute the reporting of an XXXX XXXX account currently listed on my credit report. I am a victim of identity theft, and this account was fraudulently opened without my knowledge or authorization. 

My personal information was compromised in a data breach, and since that time I have had persistent issues with fraudulent accounts appearing on my credit reports. In addition, there was a point when my mail was being redirected without my consent, further supporting the possibility that my personal data was unlawfully accessed and exploited. 

I have previously notified your agencies about this matter and provided appropriate documentation, including a valid Identity Theft Report. Despite this, the XXXX XXXX account remains on my credit file. This continued reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), when a consumer provides a police report or Identity Theft Report to a consumer reporting agency, along with identifying information, the agency must block the fraudulent information from the consumers report within four ( 4 ) business days. This is a mandatory action. The law does not permit the account to remain pending the results of any internal investigation.

Furthermore, under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ), your continued failure to block or delete this fraudulent account may subject your agencies to legal liability, including actual damages, statutory damages, punitive damages, and attorneys fees. 

I am once again enclosing the following documentation : A copy of my Identity Theft Report Government-issued photo ID Proof of residency A signed statement affirming that I did not open or authorize the XXXX XXXX account This is a final request for you to immediately remove the XXXX XXXX account from my credit file and provide written confirmation that the deletion has occurred. Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I also reserve the right to seek legal remedies as permitted by law. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Copy of Government ID Proof of Residency Signed Statement of 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 explanation