vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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:
There are inaccurate inquiries on my Transunion credit report that do not belong there : XXXX XXXX  XXXX - XX/XX/year>

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 2025-11-16 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: OneMain Finance Corporation
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX XXXX and XXXXXXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MI

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my Experian credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the Metro 2 credit reporting standard.

This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code 103 Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MI

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my Experian credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the Metro 2 credit reporting standard.

This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code 103 Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

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 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Was granted deferments in XXXX, XXXX, XX/XX/XXXX. Disaster relief XXXX, XXXX, XXXX of XXXX, yet they reported late payments for those months. Which is impacting my ability to get any new credit, due to the 9 late payments they are listing. So these late charges need to be removed in accordance with U. S. code 1666/ 1666B. They stated my payment where past due, but not 30 days late.

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 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Sold to multiple agents when I called to make payments when I get into a home. Im homeless and can receive benefits to help with most of the payments. Which was sent to my mailing address, oddly around the time I should be receiving a check.

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 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have charges on my credit card that I did not make. I called to have the pending charges removed, cancelled. However, the representative refused to cancel the charges and remove them, even though they are on my credit card! 

One charge of XXXX Another charge of XXXX I called the XXXX customer service phone number and spoke with a representative. I communicated two charges on my credit card and asked them to cancel the pending charges. The representative refused stating my credit card is associated with a different email account. 

Continuing, I verified my identity with the customer service representative using my cell phone AND my email address. She refused to co-operate and refused to cancel the charges on my XXXX Credit Card. 

I communicated I can give her my credit card number to help her with the cancelation, but she refused to take the number stating they are not allowed.

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 2025-11-17 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: FL

Complaint narrative:
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! 


XXXX XXXX XXXXXXXX - Balance : {$370.00} - Date Opened : XX/XX/XXXX INQUIRIES : XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I sold an item on XXXX XXXX and we used XXXX for payment and when the buyer sent the payment, she said she sent too much and I had to send her a refund before I could receive payment. I got several emails that looked like they were from XXXX asking me to send money and I did send money several times. I sent about {$1200.00} I think. The first date would have been around XX/XX/year> and XX/XX/year> and XX/XX/year>. I realized then that it was a scam and I sent the emails to XXXX customer support and they confirmed that they were fraud. I also received two suspicious large checks in the mail. The buyer is threatening to contact the FBI but I know they are scamming me. I want my money back.

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 2025-11-16 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

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 2025-11-16 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

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 2025-11-16 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: NV

Complaint narrative:
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! 


XXXX XXXX - XXXXXXXX XXXX XXXX  - XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX  - XX/XX/year> XXXX  XXXX - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year>

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 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Credit card companies sold to second and third companies and the debt was discharged but the other companies put it in collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: MO

Complaint narrative:
XXXX XXXX XXXX is attempting to collect and report a debt without ever providing a valid Bill of Sale, chain of title, or any documentation showing that they legally own or purchased the alleged account from the original creditor. They sent me a generic letter that does not include any proof of assignment, no contract, no original agreement, and no documentation linking them to the alleged debt. 

Despite this, XXXX  / XXXX continues reporting the tradeline to the credit bureaus, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), because they are furnishing information that is unverified, incomplete, and can not be substantiated. 

Their reporting is damaging my credit usage, lowering my score, and causing denials for housing and credit opportunities. I already disputed this directly with the credit bureaus and requested validation from the company. Instead of providing required documentation, they sent an incomplete verification that does not meet the legal standard for debt ownership. 

By continuing to report without validating ownership, XXXX XXXX XXXX is causing financial harm and violating my consumer rights. This conduct is misleading, unfair, and harmful to consumers. 

I want this description published so other consumers know how they operate.

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 2025-11-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. XXXX XXXX XXXX The following items are inaccurate, incomplete, or unverifiable and must be deleted or corrected : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. Charged-off revolving account, balance misreported. 
- XXXX XXXX XXXX XXXX account {$4100.00}, no proof of assignment or validation. 
- XXXX XXXX XXXX XXXX repossession {$30000.00} ; inaccurate payment history and charge-off status. 
XXXX XXXX XXXX XXXX XXXX loan ; marked consumer disagrees but no valid reinvestigation documentation provided. 
- XXXX / XXXX XXXX XXXXXXXX loan with late status ; payment record unverified. 
- XXXX / XXXX XXXX Credit card ; 30-day late improperly reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Duplicate reporting : Up to XXXX separate collection accounts appear for what appears to be a single original creditor ( XXXX XXXX ). 

No DOFD ( Date of First Delinquency ) reported on any item ( Metro 2 requires DOFD for all collections ).

No ECOA code, no CII ( Consumer Information Indicator ), no K-codes, and no Payment History, all required fields for valid collection reporting. 

Inconsistent or missing dates : Last Activity, Date Reported, and Date Opened do not logically align. 

No documentation that these represent separate debtstherefore must be treated as duplicate/inflated reporting, violating FCRA 607 ( b ).

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 2025-11-16 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: TN

Complaint narrative:
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! 


XXXX  - XXXXXXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX INQUIRIES : XXXX  - XX/XX/year>

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 2025-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accelerated Receivables Solutions
State: NE

Complaint narrative:
On XX/XX/year> my garnishment started and it was more than I thought it would be. A letter came the other day regarding my garnishment said that they made their judgement on how much to take each checked based on me not being head of household. I am married and have XXXX kids though ages XXXX, XXXX, and XXXX so I do not understand how they can do that. They took {$400.00} NET from a XXXX week check that was {$2000.00} GROSS. And they plan too every check moving forward. What do I do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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