vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding a debt reported by CBNA under the account number XXXXXXXX XXXX XXXX. I was recently notified of this debt, and after reviewing my financial records, I do not recall incurring this debt, nor do I have any clear documentation that supports the charges associated with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am submitting this complaint regarding a debt that has been attributed to my account with Affirm Inc., under the account number XXXXXXXX XXXX XXXX. I have not received any adequate or timely validation of this debt, nor any documentation proving its legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 



Thank you for your prompt attention to this serious 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: FL

Complaint narrative:
XXXX XXXX called me to tell me my accounts will be charged off. If that happens that will be on my credit report for at least XXXX years. That isn't something I wanted. When we started with JG Wentworth I was never late on my payments and now I can't even trade my car in. Why didn't JG Wentworth tell us this would happen. In addition it has almost been XXXX months and JG Wentworth have only resolved 17 % of my debit. At this rate I will be dead and gone. I need more action on my account. Even if I wanted to pull my business from JG Wentworth I can't since my accounts are almost XXXX  months behind. I don't know what to do and all I want is to see that my accounts are being worked on. I have already given over {$3600.00} to this company. That could of at least kept me currently with my monthly bills. Now my credit is below XXXX and it is embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: OPORTUN FINANCIAL CORPORATION
State: IA

Complaint narrative:
I used to have an account with XXXX  before their acquisition by oportun. I continue to receive charges for oportun service, and have no way to log in to my account, as the login credentials have changed or expired, and my browser runs a XXXX error when trying to change my password or login. I am certain the company is doing this on purpose so they can continue to charge me for a service I can not benefit from ; I have reached out several times to support and they offer no help getting into my account or any reassurance that these unauthorized charges will stop. I never authorized any kind of subscription or withdrawal service after their acquisition by oportun. I am sick and tired of being charged money for an account I can't even log in to. I don't have money for a lawyer. I barely have money to eat most weeks, let alone have extra change laying around to be gouged by a corporation for the last dollars I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime keep denying my refund request when I sent them the documents they tell me there investigation team is looking into it and they dont even attempt too

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian / Equifax XXXX TransUnion Subject : Request for Removal of Unauthorized Credit Inquiries Dear Credit Bureau, I am writing to dispute several unauthorized credit inquiries appearing on my credit report. The inquiries listed below were not authorized by me, and I do not recognize them. I request that they be removed from my credit report regardless of whether the companies can verify them : XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, CA XXXX, Phone : XXXX, Website : XXXX XXXX [ please insert address/phone if known ] XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Phone : XXXX XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, Phone : ( XXXX ) XXXX Under the Fair Credit Reporting Act ( FCRA 604, 605, 607, 611 ), I have the right to dispute information on my credit report that is inaccurate or unauthorized. I request that you : Remove all of the above unauthorized inquiries from my credit report.

Provide me with written confirmation once the inquiries have been removed.

Ensure that no further access to my credit file by these companies occurs without my explicit consent.

Please consider this a formal dispute of these inquiries. I have included my identifying information to assist with your investigation.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Credit Bureau Mailing Addresses Experian : Experian XXXX  XXXX XXXX XXXX, TX XXXX Equifax : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion : TransUnion LLC Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2025-12-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian / Equifax XXXX TransUnion Subject : Request for Removal of Unauthorized Credit Inquiries Dear Credit Bureau, I am writing to dispute several unauthorized credit inquiries appearing on my credit report. The inquiries listed below were not authorized by me, and I do not recognize them. I request that they be removed from my credit report regardless of whether the companies can verify them : XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, CA XXXX, Phone : XXXX, Website : XXXX XXXX [ please insert address/phone if known ] XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Phone : XXXX XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, Phone : ( XXXX ) XXXX Under the Fair Credit Reporting Act ( FCRA 604, 605, 607, 611 ), I have the right to dispute information on my credit report that is inaccurate or unauthorized. I request that you : Remove all of the above unauthorized inquiries from my credit report.

Provide me with written confirmation once the inquiries have been removed.

Ensure that no further access to my credit file by these companies occurs without my explicit consent.

Please consider this a formal dispute of these inquiries. I have included my identifying information to assist with your investigation.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Credit Bureau Mailing Addresses Experian : Experian XXXX  XXXX XXXX XXXX, TX XXXX Equifax : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion : TransUnion LLC Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the following items on my Experian credit report : Charged-Off Accounts XXXX : XXXX OF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Inquiries EX : XXXX Account Number : XXXX XXXX BANK XXXX Account Number : XXXX XXXX / LEAD Account Number : XXXX Positive Accounts XXXX  : No positive accounts listed for Experian. 

Late Payments EX : XXXX Account Number : XXXX XXXX BANK XXXX Account Number : XXXX XXXX  / LEAD Account Number : 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 2025-12-02 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: MO

Complaint narrative:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
Dear Sir/Madam, I am submitting a formal dispute for the following accounts currently listed on my credit report. The accounts listed are inaccurately reported, and I request a thorough investigation and resolution. Below are the details of each disputed account : CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling of my fraud claim. I filed a fraud dispute on my account, and the claim was later denied. After receiving the denial, I formally requested an appeal as well as the documentation and evidence used to make this determination. 

Despite my requests, Navy Federal has not provided the required documentation nor responded to my appeal request within a reasonable timeframe. I am unable to understand how the decision was made, and their lack of communication has prevented me from properly disputing the claim. 

I am requesting the CFPBs assistance in having Navy Federal : Provide the full documentation used in their decision to deny my fraud claim. 

Review and respond to my appeal request. 

Ensure proper investigation and compliance with applicable regulations. 

Thank you for your assistance in resolving 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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: SC

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
I am unaware of this account. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 
* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Date Opened : 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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation