vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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 reaching out to dispute several accounts on my credit report that I did not open. These are unauthorized and fraudulent. I had no involvement in their creation, and they do not reflect any of my financial activities. As required by 15 U.S. Code 1681g, I request the prompt deletion of these accounts within 15 days. Documentation is provided to verify my claim.

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 2025-06-20 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:
Upon examination of my credit report, I discovered accounts that are clearly not mine. I never authorized or initiated these accounts, and they were opened without my knowledge. These fraudulent entries should be removed at once. In compliance with 15 U.S. Code 1681g, I ask that they be deleted within 15 days. I have included supporting materials for verification.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TN

Complaint narrative:
I had three Self Financial XXXX XXXX accounts that are now closed. Although I had some late payments, I paid the accounts in full. Self also applied the remaining loan payouts to cover any final balances I owed. So, by the end, everything was paid off.

Despite that, Self is still reporting negative information on my credit report, which is lowering my credit score. I have screenshots showing the accounts were paid and closed, and I also have a bank statement showing I made a {$100.00} payment toward the final balance.

I dont understand why the accounts are still being reported negatively, especially since Self used the payout from the loan to settle what I owed. This seems unfair, and I would like it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: DE

Complaint narrative:
I financed a vehicle through Exeter Finance for {$19000.00}, and my monthly payment is {$630.00}. Despite making consistent payments for nearly XXXX years, Exeter claims I still owe {$16000.00}. The loan carries a XXXX XXXX interest rate, which is excessively high and abusive, especially for an auto loan. 



I was not clearly informed of the full cost of financing at the time of signing, nor was I given a reasonable chance to seek alternative financing. I believe Exeter took advantage of my financial situation and misrepresented what I was agreeing to. 



I now realize that I was subjected to unfair loan terms that are structured in a way that makes it nearly impossible to pay off the vehicle in a timely or equitable manner. The interest has drastically outweighed the payments Ive made. It feels as if the balance is designed not to decrease, no matter how much I pay. 



I believe this is a predatory loan and am asking for a full review and support in resolving this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: MO

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-21 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: AL

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 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 2025-06-21 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: AL

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: IA

Complaint narrative:
I recently saw my credit report and noticed multiple accounts that do not belong to me and are damaging to my credit report and account.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After carefully reviewing my credit report, I identified several accounts that I did not open, authorize, or apply for. Further investigation revealed that my personal information was compromised in multiple data breaches, which may have led to the fraudulent use of my identity.

I have no recollection of initiating any of the accounts in question. These accounts are inaccurately reporting under my name and are negatively impacting my credit profile. Pursuant to 15 U.S.C. 1681c-2, any fraudulent accounts resulting from identity theftwithout my authorization or any signed contractmust be blocked and removed from my credit report within four ( 4 ) business days of receipt of this request.

These accounts are not only harming my credit standing but are also causing undue emotional distress. I have no affiliation or responsibility for them and urgently demand their immediate removal to prevent further damage to my financial 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 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was informed by a Citi representative ( XXXX ) that a late fee would be waived and that my minimum payment would not be affected. However, my minimum payment nearly doubled after that conversation. I requested clarification and escalation, but the representative ended the chat ( XXXX ) and refused to provide an email contact. I have screenshots as proof of what was promised. I am requesting a correction and a proper response.

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 2025-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
Mortgage being sold from XXXX XXXX XXXX Freedom Mortgage Corporation. Freedom Mortgage Corporation has a XXXX out of XXXX star review with numerous XXXX complaints of deceptive business practices, hidden fees and terrible customer service. I've never missed a mortgage payment and I'm extremely upset with the sale of my mortgage to this terrible company.

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 2025-06-21 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNT : Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/scrub>/2024 UNAUTHORIZED INQUIRIES : XXXX XXXX/XXXX/2024

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 2025-06-21 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint because there are inaccurate and unauthorized credit inquiries appearing on my credit report that I did not initiate or approve. These inquiries are negatively impacting my credit score, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for any credit pull. 

I previously submitted a dispute to the credit bureau ( XXXX ) regarding these inquiries, but they have failed to remove or properly investigate them. The companies that made the inquiries have not provided any proof that I authorized the pulls or had any business relationship with them. 

Here are the unauthorized inquiries I am disputing : XXXX XXXX XXXX XXXX XXXX Capital One Bank USA NA - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I am filing this complaint because there are inaccurate and unauthorized credit inquiries appearing on my credit report that I did not initiate or approve. These inquiries are negatively impacting my credit score, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for any credit pull. 

I previously submitted a dispute to the credit bureau ( XXXX ) regarding these inquiries, but they have failed to remove or properly investigate them. The companies that made the inquiries have not provided any proof that I authorized the pulls or had any business relationship with them. 

Here are the unauthorized inquiries I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mid-Atlantic Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NC

Complaint narrative:
I am the victim of identity theft. I have submitted a valid FTC Identity Theft Report and police report. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), all fraudulent accounts must be blocked from my credit reports immediately. Credit bureaus and furnishers are legally required to cease reporting false data under 15 U.S.C. 1681s-2 ( a ) ( 6 ). Their failure to act violates federal law and subjects them to civil liability under 15 U.S.C. 1681n and 1681o. I demand the immediate removal of all fraudulent accounts, inquiries, and derogatory marks linked to this theft. Im requesting the CFPB intervene and enforce compliance. If this is not resolved promptly, I will escalate through legal channels and seek damages for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
I am the victim of identity theft. I have submitted a valid FTC Identity Theft Report and police report. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), all fraudulent accounts must be blocked from my credit reports immediately. Credit bureaus and furnishers are legally required to cease reporting false data under 15 U.S.C. 1681s-2 ( a ) ( 6 ). Their failure to act violates federal law and subjects them to civil liability under 15 U.S.C. 1681n and 1681o. I demand the immediate removal of all fraudulent accounts, inquiries, and derogatory marks linked to this theft. Im requesting the CFPB intervene and enforce compliance. If this is not resolved promptly, I will escalate through legal channels and seek damages for willful noncompliance.

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 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westcreek Financial
State: MA

Complaint narrative:
I financed a refrigerator from a company called XXXX XXXX  in XXXX RI in XX/XX/year>2023 for the believe about of {$650.00}. The first refrigerator wasnt working and the company came back and brought a replacement. That refrigerator did not work at all and it was used when it should have been new as quoted by the company. The refrigerator has bugs and and did not cool at all. I requested to have them come pick up the refrigerator and cancel the agreement because of the XXXX of XXXX and it did not work, to add on the refrigerator wasnt now NEW! As agreed. The XXXX XXXX XXXX came and picked up the refrigerator and was to call and cancel with Koalafi. I reached out to the company to cancel this because of the situation mentioned they refused to cancel the agreement and said the owner of the company said he would give me a credit for another appliance. ( I did not accept the credit because of the poor sales practice and the infestationthat came with it .The original contact was for a NEW APPLIANCE for the make and model I purchased the company provided a used bug infested broken fridge after the original fridge wasnt working. This item has been return for almost 2 years now. This debt does not belong to me anymore as the contact was breached for not providing the item I signed a contract for. Koalafi Sold the debt to a 3rd party and they reached out to me via mail about this debt. I would like this debt to be cancel and removed from my report. I did not receive any product and this is a very poor sales practice. Ive argued with koalafi multiple times and they did not act professionally and kept hanging up my calls. I did file a report to the XXXX  of this matter. I will like koalafi to delete my account and to contact the 3rd party collection agency And cancel the debt and for tureaccord to cancel the debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial stability and personal well-being, adding undue stress during an already difficult time.

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 2025-06-21 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Was on work trip put of state, had unauthorized XXXX XXXX  withdrawals from the my account and other charges not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Credit Inquiries Violation of 15 U.S. Code 1681b and 1681n To Whom It May Concern, I am writing to formally dispute and demand the investigation and removal of unauthorized credit inquiries that appear on my consumer credit file. These inquiries were not authorized by me, nor were they the result of any credit application or transaction initiated by me.

According to 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report if the entity accessing the report has a permissible purpose, such as the consumer applying for credit or providing written consent. I have not provided such authorization to the companies listed below : Disputed 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX These unauthorized inquiries may have occurred in error or as the result of potential identity theft. Regardless of cause, their presence on my report is unlawful without proper authorization and violates FCRA provisions. Furthermore, 15 U.S. Code 1681n holds any party liable for willful noncompliance with the FCRA, including actual damages, statutory damages, and possible punitive damages.

I am demanding that the following actions be taken immediately : Conduct a formal investigation into the source and legitimacy of these inquiries.

Remove any unauthorized or unverifiable inquiries from my credit report.

Provide written confirmation that these inquiries have been deleted or a documented justification proving they were made with a permissible purpose under 15 U.S. Code 1681b.

This letter serves as a formal dispute in accordance with the Fair Credit Reporting Act. Please respond with the results of your investigation within the 30-day time frame required by law. 
Sincerely, XXXX

Company response to consumer: Closed with explanation