vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
Attention Experian, XXXX, and XXXX  a formal demand, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to dispute and request the removal of inaccurate and unauthorized items from my credit report. I am requesting that the following items be investigated and removed within XXXX business days due to the adverse effect on my creditworthiness and time-sensitive financial matters. 

XXXX. Disputed Collection Account Creditor : XXXX XXXX Account Number : XXXX Date opened XX/XX/year> Closed Status- Collection Bal {$4000.00} Past Due XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This account is being inaccurately reported as a valid collection. I dispute the validity of this debt and request written verification and all supporting documentation. If this can not be verified immediately, it must be deleted. 

XXXX. Unauthorized Credit Inquiries Company Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect names on credit report Also known as- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX only name reported should be XXXX XXXX XXXX : These inquiries were not authorized by me and may be fraudulent or in violation of FCRA XXXX. Please remove all unauthorized inquiries from my report immediately. 

XXXX Requested : In light of the harm caused by these inaccuracies and potential violations of my rights under federal law, I am requesting that these items be removed

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 2025-05-21 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: GA

Complaint narrative:
Attention XXXX, Transunion, and XXXX  a formal demand, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to dispute and request the removal of inaccurate and unauthorized items from my credit report. I am requesting that the following items be investigated and removed within XXXX business days due to the adverse effect on my creditworthiness and time-sensitive financial matters. 

XXXX. Disputed Collection Account Creditor : XXXX XXXX Account Number : XXXX Date opened XX/XX/year> Closed Status- Collection Bal {$4000.00} Past Due XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This account is being inaccurately reported as a valid collection. I dispute the validity of this debt and request written verification and all supporting documentation. If this can not be verified immediately, it must be deleted. 

XXXX. Unauthorized Credit Inquiries Company Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect names on credit report Also known as- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX only name reported should be XXXX XXXX XXXX : These inquiries were not authorized by me and may be fraudulent or in violation of FCRA 604. Please remove all unauthorized inquiries from my report immediately. 

Action Requested : In light of the harm caused by these inaccuracies and potential violations of my rights under federal law, I am requesting that these items be removed

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 2025-05-21 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: GA

Complaint narrative:
Attention XXXX, XXXX, and Equifax a formal demand, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to dispute and request the removal of inaccurate and unauthorized items from my credit report. I am requesting that the following items be investigated and removed within XXXX business days due to the adverse effect on my creditworthiness and time-sensitive financial matters. 

XXXX. Disputed Collection Account Creditor : XXXX XXXX Account Number : XXXX Date opened XX/XX/year> Closed Status- Collection Bal {$4000.00} Past Due XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Issue : This account is being inaccurately reported as a valid collection. I dispute the validity of this debt and request written verification and all supporting documentation. If this can not be verified immediately, it must be deleted. 

XXXX. Unauthorized Credit Inquiries Company Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect names on credit report Also known as- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX only name reported should be XXXX XXXX XXXX : These inquiries were not authorized by me and may be fraudulent or in violation of FCRA 604. Please remove all unauthorized inquiries from my report immediately. 

Action Requested : In light of the harm caused by these inaccuracies and potential violations of my rights under federal law, I am requesting that these items be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: AZ

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 2025-05-21 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: CBC Companies, Inc.
State: DE

Complaint narrative:
I am a victim of the XXXX  data breach. I reviewed my consumer report and there fraudulent accounts, addresses, inquiries, employers and names listed that I did not authorize. These accounts are false. My identity has been compromised as a result of the XXXX  data breach. 

I have enclosed : Identity verification Notarized Affidavit of Identity Proof Of Address Dispute Letter FTC Report XXXX XXXXXXXX Proof of XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
filed a dispute with Equifax XXXX XXXX.. 


requested account and hard inquires removed sentry recovery and collec XXXX - account hard inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX, I lawfully submitted a Payoff Sheet with a negotiable instrument to Penfed via certified mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX) to pay off my Penfed Auto Loan accounts. I also included a XXXX XXXX with clear instructions and a deadline of XXXX  business days for your institution to respond in writing with acknowledgment, objections, or refusal to the terms proposedXXXX XXXX XXXX XXXX, I submitted a XXXX XXXX to Penfed via certified mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX) to settle the balance of my Auto Loan account. This conditional acceptance was sent with clear instructions and a deadline of XXXX  business days for your institution to respond in writing with acknowledgment, objections, or refusal to the terms proposed.\nI sent a letter XXXX XXXX XXXX  Certified MailXXXX XXXX XXXX XXXX XXXX XXXX XXXX  to the Penfed CFO XXXX XXXX requesting copies of documents, confirmations of accounts, copies of the XXXX XXXX and Final Notices with a deadline of XXXX  business days for her to respond  in writing with acknowledgment, objections, or refusal to the terms proposed. \nDespite my legal efforts, Penfed has failed to respond within the contractual time frame, which, under UCC 3-311 and 3-603, constitutes tacit agreement, accord and satisfaction, and discharge of any further obligations on my part. As per these statutes, your failure to reject the offer in the prescribed time has resulted in the discharge of any remaining debt associated with these accounts.\nFurthermore, the lack of response from your institution has caused me significant emotional distress, financial hardship, and economic loss due to your refusal to acknowledge the settlement and continued collection attempts after the debt was considered resolved under the terms set forth in my negotiable instrument.'

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 2025-05-21 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:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within XXXX  days : 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 XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC

Complaint narrative:
The debt has been passed onto group called PRA group. 

Im getting XXXX phone calls a day automated by a robot telling me to call them. Ive already told them I cant pay the debt, and am looking into other options. 

They change their number every single day sometimes multiple times a day and try to call me without caller ID. Its incredibly aggressive. 

Its never been a person on the other line and Ive been called from over XXXX different numbers, numbers I continue to block daily

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
I have disputed the collection account from the XXXX XXXX XXXX in the Amount of {$11000.00}. I have reached out the this lender and explained this was not my doing and that this was a fraudulent charge and should be removed from my credit report. They have not provided ay information amount the account in question, however has consistently posted this debt on my XXXX  and XXXX  Credit Report. 

This is the letter that I have sent to the lender and yet to have a response : This letter is regarding the account listed above, which you claim that I have with your company. This is a formal notice that you claim is disputed. 

I am requesting XXXX, made pursuant to the Fair Debt Collection Practices XXXX. Please note that I am validation, that competent evidence bearing my signature, showing that I have ( or ever had ) so contractual obligation to pay you. 

Please also be aware that any negative remark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any that you represent, for a debt that I dont owe, is violation of the Fair Debt Collection Practices Act ( FDCPA ) of 15 U.S.C. 1692e ; therefore, if you can not validate the debt, you must request that credit reporting agencies delete this entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act You will be required to appear a court venue local to me, since you are clearly conducting business in my area. 

For the purposes of 15 U.S.C. 1692 et sq., this Notice has the same effect as a dispute to the validity of the stated debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
Equifax continues to report inaccurate as well as unauthorized " personal information & transactions '' on my Equifax Consumer report despite my demand for the Company to validate the debt in an initial & re-investigation showing actual proof of my signature & authorization. This is a direct violation of 15 USC 1681b & 1s2a. 
Equifax also placed an unauthorized fraud alert on my account without correcting the problem, denied reporting these things while I have and show proof that it indeed is currently reporting & haven't been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IA

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life in my credit health.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Excessive Overdraft Fees & Unauthorized Charges, Claim Reference # XXXX To Whom It May Concern, I am writing to formally file a complaint regarding excessive overdraft fees and unauthorized charges applied to my Wells Fargo Bank account, which I have held since XXXX. 
On XX/XX/XXXX, I reviewed my account history after receiving multiple overdraft fees from Wells Fargo. I discovered a pattern of hidden charges labeled XXXX and XXXX withdrawals XXXX These unauthorized charges are from XXXX, and the representative told me they could only investigate up to XXXX year. However, a representative explained how I could check for other transactions from prior years, which revealed further discrepancies. 
Through multiple calls with customer service, I received inconsistent and conflicting information. On XX/XX/XXXX, Wells Fargo completed its investigation and confirmed {$440.00} in unauthorized charges on my account. However, despite this acknowledgment, I was informed that I would only receive {$99.00} in reimbursement, with no sufficient explanation for the discrepancy. A XXXX XXXX XXXXXXXX, XXXX, said that monitoring fraudulent charges was solely my responsibility, effectively dismissing the misleading nature of these transactions and contradicting the information I was initially given. 
I find this response unacceptable and request a formal review of XXXX XXXX handling of unauthorized charges. Additionally, I seek full reimbursement for the amount found in their investigation. 
I appreciate your prompt attention to this matter and look forward to your 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This account was included in my XXXX  which was filed XX/XX/year> and I XXXX XXXX XXXX this company still have my account listed as negative and a chargeoff/ collection it doesnt say it was included in XXXX so its affecting my credit report and score

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This account was included in my XXXX which was filed XX/XX/year> and I XXXX XXXX XXXX this company still have my account listed as negative and a chargeoff/ collection it doesnt say it was included in XXXX so its affecting my credit report and score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 was surprised to see inaccurate accounts on my credit report today and have no clue how they got there. As part of my usual routine, I reviewed my report and noticed discrepancies that hadnt appeared before. I attempted to reload the page in case it was a temporary glitch, but the errors stayed. Im now asking for a careful review of the documents Ive provided to ensure this doesnt continue to be a problem.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MA

Complaint narrative:
Square Holding Business Funds Without Explanation this morning I am filing this complaint against Square , Inc. for deactivating my business account without providing any explanation and for holding my funds for 90 days. When I contacted their customer support, they refused to disclose the reason for the deactivation and did not offer any appeal process or supervisor contact.

I was advised to refund my clients, yet Square would not expedite those refunds. Instead, I was told my clients would have to wait 2 to 7 business days, further impacting my business reputation. I repeatedly asked for escalation and transparency and received none. I was denied any opportunity to resolve or appeal the issue and have been met with vague, dismissive responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: AZ

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : 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 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00}

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 explanation