vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-26 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: GA

Complaint narrative:
My account with EQUIFAX EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer 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 explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

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 2025-09-26 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have previously reported this .. they failed to respond with any actual information. I have never heard of this company. They keep going to my neighbors & threatening her. I have NEVER done business with them. I have no idea what they are claiming litigation on. I do not have any account or court information. These people are fabricating false accounts. I guarantee I have NEVER done business with or signed for any loans or anything with them. I do not even know who they are. I have advised my neighbors to call the police if anyone comes on their property because this is not my account or whatever it is they think I bought. My guess is this is fraud from when the hurricanes had our area closed. This started not long after we were able to come back to our house. Unfortunately LVNV does not respond to my requests for info & they do not send info. They just claim litigation of what!? I have never even heard of them. I also tried to do the survey to report them not providing info but the link just goes to the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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 WOUNDER IF THIS IS UNDERSTANDABLE OR NO, BECAUSE I THINK I AM NOT THE FIRST PERSON WHO IS EXPERIENCING THIS KIND OF ISSUE, AND I AM EXPECING A TREAT AND A FEELING THAT I AM SAFE BUT I AM NOT FEELING THAT NOW WHICH I DONT LIKE. THIS IS THE INQUIRY THAT I WAS TALKING ABOUT IN PREVIOUS COMPLAINT AS WELL. XXXX XXXX XXXX XXXX. YES I HAVE ALREADY TALKED TO THEM. YES I AM GETTING ALL MY DOCUMENTATION. YES I AM PLANNING TO GET THIS SOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was charged for a service on XX/XX/XXXX for a service I canceled a year previous that I never got a refund for either. I opened a fraud case with Wells fargo on XX/XX/XXXX, I was credited the money while the investigation started. On XX/XX/XXXX the credit was debited from my account. I called the fraud help line again and was told that my case was closed, but at not time did they contact me about any information, paperwork, documents, or evidence during the case. My case was closed and I lost it with Wells Fargo and XXXX. But I was told to submit supporting documents or evidence to help my claim, which I did. I called back XX/XX/XXXX to check on that claim and that was when I was told that the claim was lost, it was too late to reopen the case/claim, and that we can not retry the case with the new evidence. Time and again this company, XXXX, has said they have refunded me and never have I ever received the money. 

I am frustrated and upset that they did not abide by their 7 day money back guarantee in XXXX and that they recharged me despite me asking th to cancel my account last year. That is XXXX some odd dollars I ahve lost due to gross incompetence from some scammers. And further still that the Wlls Fargo associates were so poorly trained that no one contacted me for supporting documents nor knew that sending them after the fact would help! 

My reference number was 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 2025-09-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
he fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. 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
Consumer complaint received 2025-09-26 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: NJ

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
I have reached out to United auto credit as I was involved in an auto accident and was injured in this accident. Havent placed on medically due to the medical leave. I lost my job. I reached out to United auto credit to see what options XXXX have reached out to United auto credit as I was involved in an auto accident and was injured in this accident. Havent placed on medically due to the medical leave. I lost my job. I reached out to United auto credit to see what options I have to even get lower payment amounts. they offered me one extension to push the payment to the end of the contract. I reached out to them, informing them that I receiving a settlement due to the injuries that I occurred during this auto accident during the time of communicating with them one of their agents have reached out to me several times threatening me were repossession for just a remaining amount for {$61.00} I stated to them the car is worth more than just {$61.00} in for a repossession. They proceeded to call me several times within the day violating my rights with the writing of repossessed the vehicle when I asked them several times what options do I have to either get a lower payment amount or get another further extension until I either get my settlement or my disability check? There are very rude half the time they didnt even confirm my information they proceeded with a nasty attitude, and kept threatening of repossession. This is such a violation of my rights, which they have caused me several distress moments, where I was at the point of taking my own life. I need some assistance regarding this if I should reach out to contact the attorney due to my rights being violated with just the threats alone, please reach out to me if you have any other questions I have also have proof of all the threatening calls as a car should be monitored and recorded, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-26 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened an account online at Citibank on XX/XX/year>. The account number for this checking account is XXXX. I received a cashiers check from XXXX XXXX  in the amount of {$110.00}, XXXX on XX/XX/year>. The check was a refund from XXXX XXXX  I received for the closure of my account with XXXX XXXX. XXXX XXXX  closed my account after letting me open it online and depositing a check for {$120000.00} in person at bank. They stated they were unable to verify my identity. The {$120000.00} was a check I received from my lawyer XXXX XXXX for an accident that occurred where I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The funds were rewarded to me from XXXX XXXX XXXX. On XX/XX/year> My husband deposited a check for {$110000.00} into my Citibank account in person. The Citibank location was XXXX XXXX XXXX XXXX. The funds cleared on XX/XX/year>. I attempted to wire money to my XXXX account in the amount {$10000.00} and a hold was placed on the account. I called to have the hold removed and I was able to wire the {$10000.00}. I then sent a friend {$500.00} via XXXX and the account was placed on hold again. I called to have hold released. Hold was released and I was able to send {$500.00}. I attempted to wire money to my landlord for rent in the amount of {$2700.00} and my account was placed on hold a 3rd time. This time when I called I was told that the account was scheduled for closure. They also told me I would not receive a refund check for 30 to 60 days. So I waited and called several time to check status. On XX/XX/year> I received a check in the amount of {$25.00} and written on check was closure check. I called and told them my return check should have been XXXX and that I had only received a check for {$25.00} which I am assuming was the funds I used to open the account. I asked where my funds were and was told a review was done and my funds aren't being returned at that time. They also said they would send an email to the back office which handles the refund check to see what happened to the remainder of my funds and to see when the rest of my cash would be returned to me. I was told I would receive a response by today XX/XX/year>. I called and still no information 's available about my remaining funds. I was told I would receive a response by XXXX XXXX. I was told the account is completely close so I should have received the whole check amount of {$100000.00}.

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 monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance Dispute inaccurate items on my credit report. Importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
Concern : I am writing to formally file a complaint regarding suspicious and unauthorized activity related to my credit. I believe I may be a victim of identity theft or misuse of my personal information.

The following issues have occurred Unauthorized credit inquiries on my report, Accounts I did not open, Debt collection calls for accounts I do from XX/XX/year> noticed the problem. ] I have already taken the following steps : Ive Placed a fraud alert with the credit bureaus, filed a police report, contacted the creditor ( s ) in question. ] I am requesting the CFPBs assistance to : 1. Investigate the matter and ensure the companies involved follow all legal requirements under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws.

2. Provide guidance on further steps I should take to protect myself from identity theft and repair any damage caused. 

Enclosed are copies of supporting documents, including [ credit reports, letters from creditors, police report, FTC Identity Theft Report, etc. ]. 

Thank you for your prompt attention to this matter. Please confirm receipt of this complaint and let me know if additional information is required.

Company response to consumer: Closed with non-monetary relief