vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: Southern Auto Finance Co
State: FL

Complaint narrative:
Subject : Dispute and Request for Removal of Unauthorized Credit Inquiries Pursuant to FCRA 15 U.S.C. 1681b To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I did not authorize or initiate any applications for credit with the companies listed below, and I am requesting that these inquiries be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

The following inquiries are being disputed as unauthorized and fraudulent : XXXX XXXX XXXX XXXX : Date XXXX Southern Auto Finance Company, LLC : Date XXXX XXXX XXXX AUTO : Date XXXX Under FCRA 1681b ( c ), a hard inquiry can only be made if I have provided written instructions or applied for credit. Since I did not provide authorization for these inquiries, they constitute a violation of federal law and are negatively impacting my credit profile without cause.

I am requesting the following : 1. Immediate deletion of the unauthorized inquiries from my credit report.

2. A written confirmation that these inquiries have been removed.

3. Disclosure of the source and any identifying information related to these inquiries.

If the inquiries are not removed within a reasonable time frame, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursue legal action under FCRA 1681n and 1681o for willful and negligent noncompliance.

Please consider this letter a formal dispute under the FCRA. I have attached a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my government-issued ID and proof of address. 

I expect your response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Dispute and Request for Removal of Unauthorized Credit Inquiries Pursuant to FCRA 15 U.S.C. 1681b To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I did not authorize or initiate any applications for credit with the companies listed below, and I am requesting that these inquiries be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

The following inquiries are being disputed as unauthorized and fraudulent : XXXX XXXX XXXX XXXX : Date XXXX XXXX XXXX XXXX XXXX, XXXX : Date XXXX WELLS FARGO AUTO : Date XXXX Under FCRA 1681b ( c ), a hard inquiry can only be made if I have provided written instructions or applied for credit. Since I did not provide authorization for these inquiries, they constitute a violation of federal law and are negatively impacting my credit profile without cause.

I am requesting the following : 1. Immediate deletion of the unauthorized inquiries from my credit report.

2. A written confirmation that these inquiries have been removed.

3. Disclosure of the source and any identifying information related to these inquiries.

If the inquiries are not removed within a reasonable time frame, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursue legal action under FCRA 1681n and 1681o for willful and negligent noncompliance.

Please consider this letter a formal dispute under the FCRA. I have attached a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my government-issued ID and proof of address. 

I expect your response within 30 days, as required under the FCRA. 

Sincerely, 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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX  called Cap One to close my account- was going with a different credit card company - needed the amount to accurately close the account. The cap one rep gave me an amount, which included the pending transactions. Was told credit card would be officially turned off after call. She confirmed the amount that was needed to completely close the account. The amount given was the amount paid. 
2 months later, Cap one reached out to me about having a payment - I referred them to the conversation, which was recorded- identifying that I paid the exact amount their rep gave me. Apparently, the cap one rep didn't " do her math correctly '' and the balance she gave wasn't accurate. Which i said, I paid the amount she gave me to completely close this account. 
These types of conversations went on for months - even though cap one admitted their mistake, I'm supposed to pay for their mistakeXXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
Subject : Dispute and Request for Removal of Unauthorized Credit Inquiries Pursuant to FCRA 15 U.S.C. 1681b To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I did not authorize or initiate any applications for credit with the companies listed below, and I am requesting that these inquiries be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

The following inquiries are being disputed as unauthorized and fraudulent : XXXX XXXX : Date XXXX XXXX XXXX XXXX : Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX Under FCRA 1681b ( c ), a hard inquiry can only be made if I have provided written instructions or applied for credit. Since I did not provide authorization for these inquiries, they constitute a violation of federal law and are negatively impacting my credit profile without cause. 

I am requesting the following : 1. Immediate deletion of the unauthorized inquiries from my credit report.

2. A written confirmation that these inquiries have been removed.

3. Disclosure of the source and any identifying information related to these inquiries.

If the inquiries are not removed within a reasonable time frame, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursue legal action under FCRA 1681n and 1681o for willful and negligent noncompliance.

Please consider this letter a formal dispute under the FCRA. I have attached a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my government-issued ID and proof of address. 

I expect your response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Dispute and Request for Removal of Unauthorized Credit Inquiries Pursuant to FCRA 15 U.S.C. 1681b To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I did not authorize or initiate any applications for credit with the companies listed below, and I am requesting that these inquiries be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

The following inquiries are being disputed as unauthorized and fraudulent : XXXX XXXX : Date XXXX XXXX XXXX XXXX : Date XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : Date : XXXX Under FCRA 1681b ( c ), a hard inquiry can only be made if I have provided written instructions or applied for credit. Since I did not provide authorization for these inquiries, they constitute a violation of federal law and are negatively impacting my credit profile without cause. 

I am requesting the following : 1. Immediate deletion of the unauthorized inquiries from my credit report.

2. A written confirmation that these inquiries have been removed.

3. Disclosure of the source and any identifying information related to these inquiries.

If the inquiries are not removed within a reasonable time frame, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursue legal action under FCRA 1681n and 1681o for willful and negligent noncompliance.

Please consider this letter a formal dispute under the FCRA. I have attached a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my government-issued ID and proof of address.

I expect your response within 30 days, as required under the FCRA. 

Sincerely, 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 2025-06-20 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dispute of Inaccurate Late Payment Violation of 15 U.S.C. 1681e ( b ) and 1666b To Whom It May Concern, I am filing this complaint because I noticed some accounts listed on my credit report are inaccurately reporting a late payment that I believe is erroneous or unverifiable. Under * * 15 U.S. Code 1666b * *, billing statements must allow adequate time before reporting a missed payment.

Additionally, under * * 15 U.S. Code 1681e ( b ) * * of the FCRA, credit reporting agencies and furnishers are required to report only complete and accurate information.

Details : Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment I previously contacted the furnisher but have not received satisfactory verification or correction of this inaccurate information. This reporting is harming my credit profile and was not properly validated or corrected as required under the FCRA. 
I am requesting : 1. A formal investigation into the reported late payment 2. Documentation validating its accuracy 3. Removal or correction if the furnisher can not prove the payment was late Thank you for your assistance in ensuring the accuracy and fairness of consumer reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I discovered that account was open and my name without my authorization I did not apply for this account or have I done business with this company

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : 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 2025-06-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: LA

Complaint narrative:
I have been sending letters to LexisNexus for over 3 months and they continue to send my letters back as undeliverable. I have also escalated my request to their legal department and they have also refused to receive mail. See attached for detailed information.

Company response to consumer: Closed with explanation