vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-10 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: TX

Complaint narrative:
The listed accounts are erroneous and were created without my consent. I am taking immediate steps to protect my identity and request that these accounts be removed from my report. As per 15 U.S.C. 1681g, this correction must be made within 15 days. Attached are my supporting materials.

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 2025-06-10 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: TX

Complaint narrative:
RE : DEMAND FOR REMOVAL OF UNAUTHORIZED HARD INQUIRIES LEGAL NOTICE UNDER FCRA & TEXAS FINANCE CODE To Whom It May Concern, I am formally demanding an immediate investigation and permanent removal of the following unauthorized hard inquiries from my Equifax credit report pursuant to my rights under : - * * The Fair Credit Reporting Act ( 15 U.S.C. 1681b ( c ) ) * *, which states a hard inquiry may only be placed with a consumers * * explicit written authorization * *, and - * * Texas Finance Code 392.202 * *, which grants me the right to dispute items and demand validation within 30 days. 

The following inquiries were made * * without my permission, knowledge, or any signed authorization * * from me, and therefore * * constitute a violation of both federal and Texas state law * * : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX If these inquiries can not be verified with * * documented proof of my signed authorization * *, they must be deleted from my report * * immediately * * per federal and state law. I am requesting a copy of any such documentation for my records. 

This is a formal legal notice. You are required to complete your investigation and provide me with results within * * 30 calendar days * *, per FCRA guidelines and Texas Finance Code 392.202. Failure to comply will result in a formal complaint being filed with the * * Texas Attorney General * *, the * * Consumer Financial Protection Bureau ( CFPB ) * *, and the * * Federal Trade Commission ( FTC ) * *.

Enclosed are copies of my identification and proof of address as required for verification purposes. 

This is not a request it is a * * legal demand * *. I expect full compliance and confirmation of removal in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
They are trying to collect a debt that I don't know of. Out of the blue they contact me about a debt from an account I never opened. It looks like they have done this a lot and was told to contact Consumer Financial Protection Bureau It is for XXXXXXXX XXXX XXXX. I tried disputing this several times but nothing works.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Consequences of Willful Non-Compliance : Your failure to address this issue is not only negligent but also rises to the level of willful non-compliance under the law. As a result, I am entitled to statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n and may seek additional punitive damages. Furthermore, you are at risk of being reported to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) for failing to uphold your obligations under federal law.

Specific Violations Cited : Failure to Verify Disputed Information in accordance with 15 U.S.C. 1681i ( XXXX ). 
Negligent Enablement of Fraud by failing to remove fraudulent accounts.

Failure to Adhere to Permissible Purposes under 15 U.S.C. 1681b.

Right to Privacy Violations under 15 U.S.C. 1681a ( 4 ).

Failure to Comply with Method of Verification Requests under 15 U.S.C. 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I notified Equifax, Experian, and Transunion of the following : I am writing to formally dispute your failure to properly investigate inaccuracies in my credit report. I have previously submitted disputes regarding erroneous information, yet you have consistently responded within 24 hours stating that the disputed information is accurate. This response time strongly suggests that a proper and thorough investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Given your repeated, rapid responses, I have serious concerns that you are not fulfilling this legal obligation. Furthermore, 15 U.S.C. 1681i ( a ) ( 4 ) mandates that you must review and consider all relevant information provided by the consumer. I have supplied documentation supporting my dispute, yet my concerns remain unresolved. I request that you immediately conduct a proper reinvestigation of the following inaccurate information on my credit report : Collections ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX demand that you : 1. Conduct a full, fair, and reasonable reinvestigation of the disputed items in accordance with FCRA guidelines. 2. Provide me with a detailed explanation of your findings and the methodology used in your investigation. 3. Supply me with an updated and corrected credit report upon resolution of this dispute. 4. Provide the name and contact information of any creditor or entity that verified the disputed information. Please respond to this dispute in writing within 30 days, as required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: New Century Auto Sales, Inc.
State: IN

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these credit inquiries, nor did I grant permission for my personal information to be shared with or accessed by multiple third-party lenders. Specifically, I recently applied for credit through a single entity a car dealership and I did not consent to a shotgun application process in which my credit information would be distributed to multiple lenders. This practice was conducted without my explicit authorization or full understanding. Pursuant to the Fair Credit Reporting Act ( FCRA ) 604 ( a ), a consumer reporting agency may only furnish a consumer report under certain permissible purposes, which must include proper consumer authorization. The inquiries listed below were conducted without such authorization and therefore lack a permissible purpose under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/2025 something called a XXXX XXXX XXXX took {$680.00} out my account I made a dispute. The bank came up with multiple reasons why they didnt want to settle the dispute in my favor. One reason I did not report the claim required time frames ( came by mail ), and other reason was that it did not post to my account, and no money was taken out ( told to me by phone ) I have the proof the money was taken out they said resubmit my screenshots so they re opened the case

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-06-10 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I was charged XXXX $ for an XXXX that I was not able to check into as the property had issues, I submitted proof of the issue with my bank and disputed the purchase since the company did not refund me like they have said, cash app denied my dispute 5 times with no explanation or evidence to go against my claim. They stated they do not have to refund. When I ask to speak with someone Im told there is no one to speak to and I can only speak to someone by email in the department I want to speak with, I request to speak by email and Im never sent an email or response just told to do the claim over again. Process has been going on since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: WA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-10 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: WA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-06-10 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: TX

Complaint narrative:
I am writing to dispute the presence of fraudulent accounts listed on my credit report. I did not open these accounts and have no affiliation with them. In accordance with 15 U.S.C. 1681g, I request that these accounts be removed within 15 days. Supporting documentation is attached for your review.

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 2025-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, the card was open fraudulently with Montgomery Ward. I called the company a number of times to close the card and as of today XX/XX/year> is still open. I would like it closed immediately. It is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-06-10 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:
My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and 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 reported in to be removed. 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. XXXX, XXXX XXXX XXXX XXXX XXXX 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase has been charging overdraft interest on my credit card for years without my knowledge or consent. I discovered this when reviewing my statements and found I currently have an overdraft balance of {$5400.00} at XXXXXXXX XXXX XXXXXXXX appearing on my credit card. 
I never requested or consented to overdraft protection that would create credit card debt. When my checking account would overdraft, I immediately deposited sufficient funds to cover the negative balance- often depositing significantly more than needed. For example, if overdrawn by {$200.00}, I would deposit {$500.00}, leaving a positive {$300.00} balance. I believed this completely resolved any overdraft. 
However, Chase was secretly transferring these overdrafts to my credit card as high-interest debt without informing me. My statements show this has been happening since at least XXXX, when I was charged {$110.00} in overdraft interest at XXXX XXXX XXXX. In XXXX, Chase renamed this charge to " promotions/other interest charge '' making it less obvious. 
I have not actively used this credit card in years, only making minimum payments. Despite these payments, the balance remained high due to accumulating overdraft interest I was unaware of. In XXXX alone, I have been charged {$560.00} in total interest. 
The {$5400.00} principal debt should not exist since I always deposited more than enough to cover any overdrafts in my checking account. Chase appears to have improperly created permanent credit card debt from temporary overdrafts that I fully covered with my deposits.

Company response to consumer: Closed with explanation