vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
On XXXX and XXXX, I applied for auto financing at XXXX XXXX XXXX, Ga and XXXX XXXX ( XXXX XXXX ) XXXX XXXX, GA. My application was shopped to multiple lenders, resulting in XXXX hard inquiries on my Experian/Equifax report XXXX 

Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer report may only be obtained for a permissible purpose. I requested that XXXX provide documented proof of permissible purpose for each inquiry, the signed application/authorization or e-signature consent record with timestamp. To date, I have not received documentation showing my express authorization for these lenders to access my report.

If the reporting company can not produce the actual signed authorization ( wet or electronic ) for each inquiry, the inquiries are unverifiable and must be removed pursuant to FCRA 611 ( 15 U.S.C. 1681i ) reinvestigation requirements. 

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

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 2025-09-22 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately.

I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EXPERIAN, the following fraudulent accounts remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 

I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EXPERIAN continues to report them as mine without proper validation. 

I respectfully urge the CFPB to intervene and ensure that EXPERIAN complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such 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 2025-09-22 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint Against Current ( XXXX XXXX XXXX  ) Regarding Unauthorized Transaction To Whom It May Concern : I am writing to file a formal complaint against Current ( banking services provided by XXXX XXXX XXXX  ) regarding their handling of a fraudulent transaction on my account. Despite providing clear evidence that I did not authorize the charge, Current has denied my dispute and refused to issue a refund. 

On or around XX/XX/year>, an unauthorized transaction in the amount of {$360.00} was made from my account via XXXX to an individual named XXXX XXXX. I did not make this transaction, nor did I authorize anyone else to make it on my behalf. My card, card number, and PIN have remained in my possession at all times. 

I promptly filed a dispute with Current, providing all necessary information. However, after their " investigation, '' they concluded that no error occurred. This conclusion is unacceptable and in direct contradiction with the facts. 

I have been a victim of fraudulent activity, and it is a violation of my rights as a consumer to be held responsible for a transaction I did not authorize. 

Neither Current nor the merchant has been helpful in recovering my funds from this fraudulent activity. I am now seeking your intervention to demand a full refund of the {$360.00} transaction. I urge you to investigate this matter thoroughly and take action to ensure that Current and its partners fulfill their responsibility to protect consumers from financial fraud. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am a manager of the retail store XXXX, around XXXX weeks ago ( unsure of exact day ) my co manager visited the Bank of America branch located at XXXX XXXX XXXX, XXXX, Maryland, XXXX. She requested change for our register, as she does frequently. The bank teller laughed, and stated he was not going to provide our store with change any longer as she had forgotten a slip in one of the deposit bags.

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 2025-09-22 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: TN

Complaint narrative:
Bank errors in billing and reporting are unfairly damaging my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits. However, my account shows clear violations of these protections : payments I made were not properly recorded, calculation errors are evident in the reported balances, and I was not provided with the required 21-day notice before a payment due date. As a result, any late payment marks being reported are invalid. These reporting failures not only violate federal law but also unfairly harm my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint against the credit reporting agencies and furnishers listed below for reporting inaccurate, unverifiable, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following inaccurate items appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX This address is incorrect. I have never resided at or been associated with this address. 

XXXX Acct # XXXX, Date Opened XX/XX/XXXX, Balance {$140.00} Reported as late payment. This information is inaccurate, unverified, and must be corrected or removed. 

XXXX XXXX  Acct # XXXX, Date Opened XXXX XXXX, XXXX, Balance {$19000.00} Reported as late payment. This is not accurate or properly verified. 

XXXX Acct # XXXX, Date Opened XX/XX/XXXX, Balance {$14000.00} Reported as late payment. This entry is incorrect and must be validated or deleted. 

XXXX XXXX Acct # XXXX, Date Opened XX/XX/XXXX, Balance {$170.00} Reported as a collection account. This information is inaccurate and unverified. 

Multiple Hard Inquiries reported without my authorization : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ACCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 I did not authorize these inquiries, and they were made without permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ). These inquiries are damaging my creditworthiness and must be removed.

My Demands : Immediate investigation into each of the above items as required under FCRA 611 ( 15 U.S.C. 1681i ).

Deletion or correction of any unverifiable or inaccurate information. 

Written confirmation of the outcome of your investigation within the statutory time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX. There was a total of {$2400.00} taken from out of my account and sent to XXXX XXXX. XXXX XXXX is a deceased male and has been deceased for a few months. XXXX has committed fraud with XXXX  XXXX by obtaining a mortgage loan for a property that his name is not on a deed for XXXX XXXX ct. XXXX kept the deed in his mom name since XXXX to avoid paying the government 15 percent probate taxes. XXXX XXXX has been deceased since XXXX. The courts ordered me to not make any more payments because no one had a license to rent XXXX XXXX XXXX  and the bank loan was fraudulent. Someone from the XXXX accessed my account and paid their self and submitted a fake lease to wells XXXX because XXXX account was shut down for fraud and XXXX submitted a fake lease to wells fargo to obtain money from me. I notified XXXX XXXX in XXXX maryland that it was fraudulent documents may have been sent to them by the XXXX. I am seeking my XXXX unauthorized payments for XXXX and XXXX through XXXX XXXX account who is deceased. I did not authorize I filed a lawsuit and charges which has been submitted to capital one back. XXXX XXXX is the owner of this property she has been deceased for 20 years. All of this is new to me. I am requesting my payments back but was awarded {$950.00} I am requesting my {$1600.00} balance. The XXXX are currently under investigation and I will be filing a lawsuit against capital one bank as well for mishandling my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts appearing on my credit file with XXXX  and XXXX. These accounts are the direct result of identity theft and exposure of my personal information through their widely reported data breaches. 

Pursuant to 15 U.S.C. 1681c-2 ( FCRA Section 605B ), I am formally requesting that these accounts and any related negative information be blocked from my credit report immediately. This law requires consumer reporting agencies to block such information within four ( 4 ) business days of receiving : Proof of my identity, A copy of my identity theft report ( FTC report attached ), and Identification of the fraudulent information.

I have included my FTC Identity Theft Report, proof of identification, and a list of the fraudulent accounts below. These accounts do not belong to me and were opened/created without my authorization : XXXX. XXXX  acct XXXX amount XXXX XXXX. XXXX  acct XXXX amount XXXX XXXX. XXXX  acct XXXX amount XXXX XXXX XXXX acct. XXXX amount XXXX XXXX. XXXX acct XXXX amount 2000 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Given that XXXX  and XXXX  failed to safeguard consumer information, and my personal data was compromised during their data breaches, these fraudulent accounts are a direct consequence of their negligence. Under 15 U.S.C. 1681c-2 ( a ), they are legally obligated to block this information from my file.

I am requesting written confirmation that these fraudulent accounts have been permanently removed and blocked from reappearing on my consumer report. Please also provide an updated copy of my credit file reflecting these corrections.

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 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
On XX/XX/year> EXPERIAN notified me that have deducted XXXX from my credit score because I had closed my XXXX ACCOUNT and I have not closed my account. EXPERIAN themselves removed the account. They also are sending repeated notifications for RECONNECTION OF AN OLD XXXX  ACCOUNT I NO LONGER HAVE. ALSO HAD MY XXXX XXXX XXXX XXXX ACCOUNT CONNECTED TO EXPERIAN XXXX. HOWEVER I WAS VERY UPSET AND FELT LIKE MY PRIVACY WAS INVADED WHEN THEY NOTIFIED ME OF A LARGE DEPOSIT HAVING HIT MY ACCOUNT. INVADING MY PRIVACY SO I NEVER RECONNECTED MY ACCOUNT. THIS CONTINUED REPEATEDLY ASKING FOR RECCONETION IS HARASSMENT AND ENVASION OF PRIVACY. EXPERIAN DEDUCTS POINTS IF YOU REMOVE AN ACCOUNT IF YOU NO LONGER HAVE THE ACCOUNT, WHICH BY LAW IT IS THE CONSUMERS RIGHT TO CLOSE AN ACCOUNT. BUT IS IT EXPERIAN RIGHT TO PUNISH THE CONSUMER BY DEDUCTING EARNED POINTS. THEY ARE NOSEY AND INTRUSIVE.

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 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paxful Holdings, Inc.
State: CA

Complaint narrative:
So Im able to log into log into my paxful account and thank you for it but now it wont me transfer my funds out Because its not able to verify me or something sketchy like that after I log into Plus now I get emails about getting charge interest rates ever since you guys got them to respond and log in But know they wont me transfer out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
The creditor is reporting an account to the credit bureaus without providing proper documentation to verify the accuracy and legitimacy of the information. I formally requested validation of the account under applicable federal laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) for accuracy of reporting, the Truth in Lending Act ( 15 U.S.C. 1666b ) for proper application of payments, and the Knowledge of the Identity of the Lender Act ( KILA ) for disclosure of creditor identity and loan ownership. To date, they have not provided the requested documentation or verification.

Company response to consumer: Closed with non-monetary relief