vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
Dispute of Unauthorized Credit Inquiries To Whom It XXXX Concern, I am disputing unauthorized credit inquiries on my report. I did not apply for or authorize the following inquiries, and they should be removed under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please investigate and delete these inquiries. Ive included a copy of my ID and proof of address. Send me written confirmation once this is resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/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 2025-08-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Dispute of Unauthorized Credit Inquiries To Whom It XXXX Concern, I am disputing unauthorized credit inquiries on my report. I did not apply for or authorize the following inquiries, and they should be removed under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please investigate and delete these inquiries. Ive included a copy of my ID and proof of address. Send me written confirmation once this is resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$250.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8800.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$100.00} Account Name : XXXX  XXXX  XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$850.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3700.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

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. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/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 2025-08-27 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 checked my credit report and saw that the inaccurate accounts are still there, which means they were not removed. This has been very frustrating, so I am asking that the documents I submitted be carefully reviewed to finally put this issue to rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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, 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} XXXX XXXX  Type : Chargeoff Law Issue : FCRA Sections 609 & 611 Accuracy and completeness requirement. FDCPA Section 809 Verification of debt.

Story : This account is inaccurately reported as a charge-off with a {$0.00} balance. I have never owed this debt, received bills, or been contacted regarding this account. Reporting it as a charge-off is false and materially damages my creditworthiness. I demand full verification and, if the debt can not be validated, immediate deletion of this account from my credit report. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

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 2025-08-27 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: LA

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 2025-08-27 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: LA

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 explanation
Consumer complaint received 2025-08-27 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: MS

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX a caller from XXXX claimed to be from the Citi Bank fraud dept. They said I had opened a Citi XXXX XXXX card ( applied XXXX ; issued XX/XX/XXXX ) and that a large purchase ( {$3700.00} ) had just occurred at a XXXX. 
I never made such an application. My credit is locked with the agencies. I called Citi and confirmed that such a card has not been issued to me. This caller was a SCAM.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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, 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, NC XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX To Whom It May Concern : Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I have reached out to the company because I do not recall these account and I never received any proof of verification and no signed contracts : I demand the following accounts be removed immediately : XXXX. The high balance is incorrect, XXXX XXXX XXXX show different amounts. 
XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. The high balance is incorrect, XXXX XXXX XXXX show different amounts. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. The high balance is incorrect, Experian is showing different amount. 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report XXXX. The high balance is incorrect, XXXX XXXX XXXX show different amounts. 
XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report Thank you for your time and help in this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-27 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:
I am the victim of identity theft. My credit reports contain multiple fraudulent accounts and inquiries that I did not authorize, including two XXXX XXXX XXXX accounts, a XXXXXXXX XXXX account, and numerous hard inquiries from financial institutions nationwide. These items were opened or reported without my knowledge, consent, or authorization and continue to damage my creditworthiness and reputation.

Under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), I have the right to have fraudulent information resulting from identity theft blocked and permanently removed from my credit file. Despite previous disputes and submissions, these fraudulent accounts and inquiries remain or have reappeared, violating my rights under federal law.

Furthermore, in accordance with federal regulations, the credit reporting agencies and furnishers are required to act within four ( 4 ) business days of receiving proper identity theft documentation to block and delete fraudulent information. I am demanding strict adherence to this statutory deadline.

In addition, any flags, consumer alerts, fraud alerts, or other notations that imply I am a credit or fraud risk must be immediately removed. Such notations unfairly prejudice potential lenders against me and could constitute defamation of character and related causes of action if not promptly corrected.

If compliance is not achieved within the four-day statutory period, I will consider this a willful violation of my rights under the FCRA and related consumer protection statutes, and I will pursue legal remedies to hold all parties accountable for damages.

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 2025-08-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
In response to claim XXXX Im reporting Toyota Financial Services for providing false and misleading information because I never received a contract and therefore Toyota Financial Services responses are hearsay when it admitted that it had no first hand knowledge of a contract being executed.

Questions : 1. Can Toyota Financial Services prove it can accept deposits from XXXX  and extend credit to XXXX?

2. Is Toyota Financial Services alleging that it purchased a credit sale from me pursuant to 12 CFR 215.3-Extension of Credit?

3. What material evidence can Toyota Financial Services provide which proves that it provided me with consideration when I am not the Person of Interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I contacted PayPal on the XXXX about a {$20.00} donation for a book in XXXX which I have not received the book which the donation was for. Same day that stated the it was not covered under their protection plan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I have a closed XXXX XXXX XXXX XXXX XX/XX/XXXXthat is inaccurately reporting a {$98.00} balance. I did pay the balance in full but on my credit report it still shows an available balance. I have attempted communication on the website but only a chat box appears. I will like to correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am disputing a late payment reported by Navy Federal Credit Union on XXXXXXXX XXXX which is listed as potentially negative on my XXXX XXXX XXXX XXXX credit reports.

I had auto-pay set up on this account and believe the late payment was due to a system error. In XX/XX/2025, I filed disputes with all three credit bureaus. However, the item remains on my reports with the notation : Completed investigation of FCRA dispute consumer disagrees. 

The creditor claims that notification letters regarding the late payment were sent, but I never received them. I maintain a XXXX XXXX XXXX. I believe Navy Federal Credit Union does not have this address on file and likely sent correspondence to an incorrect address, failing to properly notify me. 

The credit bureaus investigations appear inadequate, as the late payment remains despite the absence of proof that the creditor properly mailed notifications to my correct address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MI

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Account Name : XXXX  XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-27 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: NJ

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/year>, my employer lost my paycheck and gave me another employees check ( {$820.00} ), which I deposited at Huntington Bank drive-thru with ID ; bank accepted without verification. On XX/XX/year>, the deposit was rejected, causing negative balances ( - {$380.00} to - {$640.00} ). Despite repeated requests, neither employer nor bank contacted me, provided documentation, or corrected the error. Both parties communicated behind my back, blamed me, and caused financial and emotional harm. I demand immediate reimbursement, explanation, and written acknowledgment that I am not at fault.

Company response to consumer: Closed with explanation