vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: NH

Complaint narrative:
I am writing to formally dispute and request the removal of multiple hard inquiries that appear on my credit report. These inquiries were either unauthorized, excessive, duplicative, or the result of rate shopping for auto financing, and therefore should not be negatively impacting my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), Section 604, a hard inquiry may only be placed on a consumers credit report when there is a permissible purpose and clear consumer authorization. Additionally, under FCRA guidelines regarding auto loan rate shopping, multiple inquiries made within a short period for the same purpose must be treated as a single inquiry and should not be counted individually against my credit score. 
I did not provide authorization for all of the inquiries listed below, and many of them are duplicative dealership or lender pulls related to the same auto-financing process. Therefore, I respectfully request that these inquiries be verified for permissible purpose and authorization, or otherwise removed immediately if they can not be properly validated. 
Disputed Inquiries : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries do not accurately reflect my creditworthiness and are causing unnecessary harm to my credit score. If any of the listed creditors can not provide proof of written authorization and permissible purpose, I request their immediate deletion in accordance with FCRA Sections 604 and 611.

Please complete your investigation within the timeframe required by law and provide me with written confirmation of the results. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 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: AZ

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: KY

Complaint narrative:
I previously disputed these items and requested full removal/correction. Despite that, the company continues to report these tradelines and fails to provide a meaningful, evidence-based resolution. This is a violation of the companys duty to maintain reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ) .If the company claims the information was verified, I request full details of the verification process, including the method of verification required by 15 U.S.C. 1681i ( a ) ( 7 ), not a generic statement.I am requesting CFPB assistance because this inaccurate reporting is causing ongoing harm and the company has not resolved the matter through normal dispute channels. 
The following account is reported in connection with my file : XXXX XXXX XXXX XXXXXXXX - XXXX - balance {$3600.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - balance {$4600.00} - Date opened XX/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 2025-12-24 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: TX

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! 


XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I experienced multiple fraudulent charges on two credit cards and a debit card with the same bank within a weeks time. The bank quickly cancelled all three cards and issued new ones and refunded the money. Without following up with me, the company decided that 5 of the claims were " not fraudulent '' due to " matching IP address '' and they put the charges back on my new card. The company claims I gave access to my credit card to someone else ; I did not. I had my credit card on me at all times and never allowed these transactions. Four of the transactions were for " XXXX XXXX XXXX XXXX '' for amounts of {$470.00}, {$430.00}, {$340.00}, and {$320.00} as well as one transaction for " XXXX '' for {$90.00}. Upon speaking to the fraud department with the credit card company multiple times they denied doing any investigation beyond " matching IP address ''. They denied following up with either retailer or attempting to track down receipts or item delivery tracking. When asked what the IP address was that was used they were unable to provide that number. Upon my own basic internet research I could find no retail company named XXXX XXXX XXXX and " XXXX '' was found to be a commonly fraudulent charge. When I have followed up with the claim twice I was told I would receive their decision in writing within 20 business days. I did not receive anything in writing either time and only found out the claim was closed after calling them and the claims do not show up under the " track claims '' tab on their website. Upon hearing that the claim was closed without notice the second time I filed a police report for stolen identity and submitted that to the bank.

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 2025-12-23 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:
I am very upset to see that unauthorized inquiries continue to show on my credit report. They were not removed when I refreshed my browser. I demand that the documents I sent be thoroughly examined immediately to prevent any further stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am disputing a collection account being reported by FCO as inaccurate and misleading under the Fair Credit Reporting Act. 

The original creditor ( XXXX XXXX / XXXX XXXX XXXX ) has confirmed in writing that the alleged balance of {$510.00} does not arise from unpaid rent or utilities, but solely from cleaning and painting charges assessed at move-out.

These charges constitute ordinary wear and tear and routine turnover costs. No excessive damage, negligence, or abnormal use has been alleged or documented. The move-out inspection materials reflect cosmetic wear only.

Despite this, FCO is reporting the account as a valid collection debt, which is materially inaccurate. A balance derived entirely from non-collectible wear-and-tear charges can not be reported as a lawful obligation.

I previously disputed this account, but it remains reported without lawful substantiation.

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 2025-12-24 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

My credit file currently lists multiple tradelines related to what appears to be the same auto loan, reported under different creditor names, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These tradelines reflect identical balances and origination dates, yet they contain conflicting and inaccurate information, including discrepancies in account status, monthly payment amounts, and reporting activity. Specifically : The same auto loan appears to be reported multiple times, which constitutes duplicate reporting Account statuses are inconsistent ( e.g., Unknown versus Closed ) Monthly payment amounts are inaccurate or missing The balance is being reported despite the account being marked as closed Reporting dates differ without justification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Select Portfolio Servicings failure to remove force-placed insurance and correct my account despite proof of valid homeowners insurance and repayment of the force-placed insurance charges. 

My loan was transferred to Select Portfolio Servicing with a dry escrow arrangement. Since XXXX, I have paid my property taxes and homeowners insurance directly and have not maintained an escrow account for these items. 

Beginning in XX/XX/XXXX, I repeatedly provided proof of homeowners insurance and proof of payment to Select Portfolio Servicing. In addition to my own submissions through the SPS portal and by email, my insurance carrier also faxed and emailed all required documentation directly to SPS multiple times. 

On XX/XX/XXXX, Select Portfolio Servicing requested an additional update to my insurance policy, specifically to add my name to the hazard insurance policy, as it previously listed only my husband. This update was completed and submitted as requested. 

Despite having all required documentation on file multiple times, Select Portfolio Servicing force-placed insurance on my loan on XX/XX/XXXX. This occurred even though valid insurance coverage was in effect and documentation had already been submitted through multiple channels, including the SPS online portal, email communications, and direct submissions from my insurance carrier. 

Following continued follow-up, I returned the funds related to the force-placed insurance and payment was sent back to Select Portfolio Servicing. I contacted SPS repeatedly requesting confirmation that the force-placed insurance was removed and that my loan was restored to its correct dry escrow status. I recently spoke with an SPS supervisor who stated that the matter would be escalated, a task would be opened, and the force-placed insurance would be reviewed for removal. However, as of today, the issue remains unresolved and I have not received written confirmation. 

Because of these delays, my account remains inaccurate and my upcoming mortgage payment, due before the end of the year, is at risk of being calculated incorrectly. I am concerned about continued improper billing and financial harm caused by the servicers failure to timely correct this issue. 

I am requesting that Select Portfolio Servicing immediately remove the force-placed insurance, restore my loan to its correct dry escrow status, correct my account balance, confirm in writing that the corrections have been completed, and ensure that my next mortgage payment reflects the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Pollack & Rosen, P.A.
State: MI

Complaint narrative:
Pollock and Rosen keep contacting me to collect a debt for XXXX for {$700.00} that I have filed bankruptcy on. Ive notified them several times and even gave them my bankruptcy case number and they continue to still harass me with texts and emails that I owe them and to start paying. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GU

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate information being reported on my credit reports by TransUnion and Experian regarding the following account : Account Name : XXXX XXXX/ XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$1200.00} Type : Collection / Debt Buyer The reported information contains multiple material inaccuracies : Inconsistent reporting : TransUnion lists the account as an " Open Factoring Company Account, '' while Experian lists it as a " Debt Buyer Collection Account. '' Incorrect dates : Experian reports a first delinquency date of XX/XX/year>, which predates the account opening date. 

Balance discrepancies : Both bureaus report a past due balance of {$1200.00}, which may not reflect actual payments or agreements. 

Misclassification of creditor type, which could affect my credit score and financial decisions. 

Incomplete payment information : Payments made or scheduled are not reflected accurately. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ), which require credit reporting agencies to report accurate, complete, and verifiable information. 

Requested Resolution : I request the CFPB to require TransUnion and Experian to investigate and correct or delete this account immediately if it can not be fully verified. I also request confirmation of the outcome of this investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am formally disputing inaccurate information that continues to appear on my credit reports as the result of confirmed identity theft that began approximately six years ago, while I was XXXX During that period, my personal identifying information was used without my knowledge, consent, or authorization to open accounts and incur debts for which I am not responsible. 

To address this matter, I have fully complied with all requirements under the Fair Credit Reporting Act ( FCRA ). I filed a police report and an FTC Identity Theft Report and submitted a completed Identity Theft Affidavit along with documentation establishing that the disputed accounts and contracts were not opened or authorized by me. This information constitutes valid proof of identity theft under 15 U.S.C. 1681c-2. 

Despite receiving this evidence, the credit reporting agencies have failed to permanently block the fraudulent information as required by law. Instead, previously disputed accounts have been improperly verified and reinserted into my credit file, and additional collection accounts associated with the same identity theft continue to be reported. Furthermore, appropriate safeguardsincluding fraud alerts, credit freezes, and suppression of identity-theft-related reportinghave not been properly implemented or maintained, despite my documented status as a victim of identity theft. 

This ongoing failure to comply with the FCRA has resulted in continued financial, reputational, and personal harm. I am requesting immediate corrective action, including the permanent blocking and removal of all accounts and inquiries resulting from identity theft, and a full investigation into why these items continue to be verified and re-reported after submission of legally sufficient proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.SXXXX Code 1692e ) for deceptive and misleading 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 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
They repossessed the car in XXXX They sold the car in XXXX. 
The report was removed and then reported as owing the full balance.

Company response to consumer: Closed with non-monetary relief