vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization.

Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report.

I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX, XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions.

Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In Pintos v. Pacific Creditors Association ( 9th Cir. 2010 ), the Ninth Circuit ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, Dennis v. BEH-1, LLC ( 9th Cir. 2002 ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I am XXXX XXXXXXXX and do not work. I have told these ppl to STOP calling and harassing my wife and I and talking rudely and threatening us. They call at all hours and change their numbers and block the number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

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 2025-04-25 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 moved credit card balances from one card to two others creating a zero change in credit outstanding to get zero % financing. However because the banks ( XXXX XXXX XXXXXXXX paid down ) XXXX XXXX and XXXX increased but the XXXX XXXX XXXXXXXX was reported XXXX and the other on XX/XX/XXXX the XX/XX/XXXX reporting resulted in a XXXX decrease in my credit score even though my total outstanding credit balances was down $ XXXX from XX/XX/XXXX and no accounts had been closed. My ratios are better than they have been in years but this timing of reporting caused this reduction from excellent to barely good I can not get reasonable lending rates. I spoke with a counselor and to get my credit back up XXXX pts I would have to pay off 100 % of my credit card debt and wait 3-6+ months. This is when I already went from $ XXXX of credit card debt to $ XXXX of credit card debt from XX/XX/XXXX to XX/XX/XXXX. How is this even allowed. I don't even have 10 % borrowed on by open credit lines of $ XXXX and my credit is now in the tank with no possible way to recover simply because all the banks don't report on the same day. This should be illegal the credit reporting agencies should have to look at, at least the 30 day trend before sacking my credit score to unrecoverable depths. If my total outstanding credit was up that would make sense, but this does not and should not be allowed. My credit score is worse than when I had a 23 % borrowing ratio. I also reported to Transunion that they don't have an updated balance for XXXX XXXX XXXXXXXX even though XXXX XXXX XXXXXXXX says they reported but apparently, I can not dispute the fact that reporting is missing. This credit bureau shows I have $ XXXX in outstanding debt which is double the correct amount as of XXXX and XX/XX/XXXX. So now my auto loan went from 5 % to 10 %!!!! and I have to have a new car as mine has broken down too much with $ XXXX in rental car charges.

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 2025-04-25 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: CA

Complaint narrative:
Equifax is currently reporting XXXX unauthorized hard inquiries that I did not approve : XXXX dated XX/XX/XXXX and XXXX XXXX  dated XX/XX/XXXX. I never applied for credit with either of these companies during those periods, nor did I authorize any access to my credit report. Under 15 USC 1681b ( c ), Equifax is only permitted to release my credit file if there is a permissible purpose and consumer-initiated action. These inquiries violate that standard. I have challenged these inquiries previously, and Equifax has never produced any documentation showing a credit application, signed form, or explicit consent. Their failure to validate these hard inquiries represents a willful failure to comply with 15 USC 1681i and violates my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank froze six of my accounts, improperly in my view, on XX/XX/year>, denying me access to {$34000.00} of my money. The attached document explains this in detail. In a nutshell, on XX/XX/year>, Wells Fargo posted an incoming wire from XXXX XXXX XXXXXXXX into one of my checking accounts, in the amount of {$400000.00}. Wells Fargo gave me untrammeled access to these funds, and even issued a cashier 's check in the amount of XXXX out of this account. This cashier 's check was for a disbursement that one of my clients authorized me to make ( XXXX XXXX XXXX ). Later, Wells Fargo claimed that the wire that XXXX XXXX XXXXXXXX sent to me on XX/XX/year> should have been sent to an entity other than myself. It appears to me that Wells Fargo is having a dispute with XXXX XXXX XXXXXXXX and is taking its frustrations out on me rather than on XXXX XXXX XXXXXXXX. On XX/XX/year>, Wells Fargo unfroze {$2600.00} across three of my accounts, but {$31000.00} remains frozen. Wells Fargo has not given me a definitive answer as to how long they will continue to deny me access to my {$31000.00}.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Hello, Im reaching out because Im absolutely overwhelmed and exhausted by whats been happening. I found a debt on my credit report that Ive never seen before and had nothing to do with. Its unverified, completely unfamiliar to me, and frankly feels like a mistakeor worse, fraud. Since then, Ive been bombarded with calls, texts, and emails using different tactics that feel harassing and borderline threatening. I never thought Id have to deal with legal threats over something that isnt even mine. As someone whos always done things the right way, this is not only humiliatingits also emotionally draining. Ive lost sleep over this and its seriously affecting my mental health and day-to-day peace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
The following accounts contain late payments that I believe are either inaccurate, unverifiable, or should be removed based on goodwill : XXXX XXXX ( Account opened XX/XX/XXXX ) Status : 120+ Days Late Please verify the accuracy and complete payment history. If accurate, I request a goodwill adjustment due to extenuating circumstances during that period. 

XXXX  XXXX ( Closed XX/XX/XXXX ) Status : 120+ Days Late Dispute resolved reported by grantor. I request removal based on goodwill or deletion of any reporting errors. 

XXXX XXXX XXXX ( Closed XX/XX/XXXX ) Status : XXXX Days Late This account was settled and is now paid. Please investigate and remove any inaccuracies or provide complete verification. 

XXXX XXXX XXXX  ( Closed XX/XX/XXXX ) Status : 6089 Days Late I request verification and, if confirmed, a goodwill deletion due to financial hardship at the 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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following accounts contain late payments that I believe are either inaccurate, unverifiable, or should be removed based on goodwill : XXXX XXXX ( Account opened XX/XX/XXXX ) Status : 120+ Days Late Please verify the accuracy and complete payment history. If accurate, I request a goodwill adjustment due to extenuating circumstances during that period. 

XXXX  XXXX ( Closed XX/XX/XXXX ) Status : 120+ Days Late Dispute resolved reported by grantor. I request removal based on goodwill or deletion of any reporting errors. 

XXXX XXXX XXXX ( Closed XX/XX/XXXX ) Status : XXXX Days Late This account was settled and is now paid. Please investigate and remove any inaccuracies or provide complete verification. 

XXXX XXXX XXXX  ( Closed XX/XX/XXXX ) Status : 6089 Days Late I request verification and, if confirmed, a goodwill deletion due to financial hardship at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: V and H Portfolio
State: SC

Complaint narrative:
I am writing to formally dispute an account that has been reported by vance and huffman to the credit bureaus. Specifically, I am referring to the alleged debt associated with the account in the amount of XXXX. After reviewing my credit report, I noticed that this account has been marked as a collection account. However, I have not received any written notice from your company regarding this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, a debt collector is obligated to send a written notice to the consumer within five ( 5 ) days of the initial communication. This notice must include the following : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement of the consumers right to dispute the debt within 30 days.

4. A statement that, if the consumer disputes the debt in writing, the debt collector will provide verification of the debt or a copy of the judgment, if applicable.

To date, I have not received any written communication from Vance and huffman, which is a clear violation of the FDCPA. The lack of this required notice not only breaches the law, but it has also negatively impacted my credit standing and financial well-being. I respectfully request that you remove this collection account from my credit report immediately. Please provide written confirmation of the removal once it has been processed. If this account is not removed, I will consider further action to protect my rights under the law. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NM

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-25 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: WA

Complaint narrative:
Reviewing my credit report, I noticed that there is an account that has XXXX late payments, the first in XX/XX/XXXX and the second in XX/XX/XXXX. It should be noted that I have had that account open for 8 years and have not had any problems with the payment. Therefore, I require that you investigate and provide evidence of bank statements showing that these payments were made late. If this proof can not be provided, I demand that these payments be updated to be on time as they should be, since I have not been late on these accounts. Thank you very much.

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 2025-04-25 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: NY

Complaint narrative:
I am Filing a complaint because my creditor is reporting late. Payments on my account ending in the last XXXX. That are inaccurate and not properly verified. I have disputed this directly with the credit bureau 's and the furniture. But the late payments remain without proper. Validation are documentation under 15 USC 1681S2A furniture 's must report accurate information. Under 15 USC 1681 I, the credit bureau 's must preform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report.

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 2025-04-25 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: NY

Complaint narrative:
I am Filing a complaint because my creditor is reporting late. Payments on my account ending in the last XXXX. That are inaccurate and not properly verified. I have disputed this directly with the credit bureau 's and the furniture. But the late payments remain without proper. Validation are documentation under 15 USC 1681S2A furniture 's must report accurate information. Under 15 USC 1681 I, the credit bureau 's must preform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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