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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 onXXXXregarding 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. 

Please confirm receipt of this dispute and provide me with a written response detailing the results of your investigation.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Would you mind reviewing this? It was written late and could be wrong.

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: CA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Majority USA, LLC
State: FL

Complaint narrative:
My MAJORITY account has been frozen for an extended period with approximately {$900.00} USD held and inaccessible. 

I contacted the company multiple times in writing. MAJORITY confirmed in writing that : - My account is under internal review- They can not disclose the reason for the review - No documentation or action is required from me- They can not provide any timeline for resolution - Access to my funds remains fully restricted - The review may end with either release of funds or account closure Despite my cooperation and repeated requests, MAJORITY refuses to provide any timeframe or process for releasing my funds. This results in an indefinite hold of my money without explanation or due process. 

Customer support explicitly stated they have no visibility and can not intervene. 

I am requesting regulatory assistance to : 1 ) Obtain a clear resolution 2 ) Secure the release of my funds 3 ) Prevent indefinite retention of consumer funds without timeline or explanation I am attaching copies of MAJORITYs written responses confirming the above.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX - XX/XX/year> - The inquiry was not authorized. 
XXXX XXXX - XX/XX/year> - The inquiry was not authorized.

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 2025-12-23 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: GA

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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> 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 2025-12-23 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: FL

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CO

Complaint narrative:
I am disputing an inaccurate and invalid collection account reported by XXXX XXXX related to XXXXXXXX XXXX XXXX XXXX. 

The landlord has confirmed directly that my balance is {$0.00} and that the account was sent to collections in error. They further stated they are instructing the collection agency to remove the account. Emails of me asking for verification, and XXXXXXXX XXXX XXXXXXXX instructing the collection agency to remove the account are attached. 

Additionally, the landlord failed to provide an itemized move-out statement within 30 days, as required by Colorado law ( C.R.S. 38-12-103 ). Under Colorado law, failure to provide this statement forfeits any right to charge the tenant, meaning the alleged debt is legally invalid. 

I disputed this account through XXXX, but the dispute was denied and verified, despite the debt being inaccurate and unsupported. 

In addition, XXXX has deleted the debt from my account and reported as inaccurate. 

By continuing to report and/or verify this debt, the collection agency and credit bureau are violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by reporting information that is false, misleading, and can not be verified. 

I am requesting CFPB assistance to require a manual reinvestigation with XXXX, deletion of the inaccurate collection account, and written confirmation that my credit report has been corrected.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked out my credit summary and noticed unauthorized inquiries that do not belong to me.

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 — Account status incorrect
Company: TomoCredit Inc.
State: MS

Complaint narrative:
Tomocredit advised it would report an excellent credit history with a credit line after months the report never was ever on my report and when I tired to cancel on numerous times it completely ignored my request and never closed the account they continued to bill me and when I asked again to close it they said I needed to pay for again when I requested the account to be closed when I paid the month I requested the account to pay I contacted their customer service where they advised I would not be able to open another in the future when I have a balance due to their non compliance I am now XXXX past due which is inaccurate when the month I requested the account to be closed they had received the payment so now my account is being flagged for non payment when this is completely inaccurate I am requesting an internal investigation on this company that many people are being billed and can not cancel and they continue to bill you when you dont owe them and refuse to cancel your membership without another payment and when you dont pay them they flag your account and put your account in bad standing when its their error they kept the account opened for more than 180 days after I over and over requested it to close and wanted more money for nothing being done as promised for months I emailed them and never got XXXX response it was not till changed my debit card to stop the billing that after waiting they would contact me and that was 180 days making my account delinquent once they had my debit card number they would not ever respond to my request to close it cause they continued to take money after I requested more than 3 times to close it. It is extremely difficult to close this account especially when they are taking money when you ask them to stop and they ignore your request and never refund you your money back nor respond to your request to stop debiting your account. They are taking unauthorized payments without a person knowledge or consent when a customer is advising them to close it immediately and they are ignoring emails and numerous request to close the account.

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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: MI

Complaint narrative:
I am reporting multiple issues with my Cash App account and Cash App Card : XXXX. Unauthorized Use / Fraud Attempts : Someone has attempted to use my Cash App Card without my authorization. I did not approve these transactions, and they put my funds at risk. 

XXXX. Card Issues : I am unable to lock or suspend my Cash App Card through the app. Additionally, I am unable to order a replacement card. I also spoke with a Cash App representative over the phone, who stated that I had multiple accounts in my name. I explained my situation, and they indicated that having multiple accounts could be a reason I am unable to order a new card. I requested that those extra accounts be closed, and the representative told me I would be able to order a replacement card a few weeks after that. Despite this, I am still unable to order a new card. 

XXXX. Cash App Borrow Fees : Cash App was adding daily late fees on my Borrow account while my account was compromised and I was unable to safely deposit money. This continued despite my attempts to resolve the fraud issue and request a pause of fees. 

XXXX. Support Refusal / Lack of Resolution : Cash App support has only instructed me to block the merchant, which does not resolve the underlying issues. They have not XXXX my compromised card, issued a replacement, or paused Borrow fees. 

I am requesting that Cash App : - Immediately disable my current Cash App Card to prevent unauthorized use. 
- Issue a replacement Cash App Card. 
- Pause all late fees on my Borrow account until the fraud situation is resolved. 
- Provide written confirmation of all actions taken. 

I have attached screenshots of attempted transactions, my inability to lock the card, and my correspondence with Cash App support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I made a payment online via the company website for the total statement balance of my card. The website indicates that all payments made through the portal before XXXX EST will be credited the same day. My payment for {$270.00} was made at XXXX EST of which I have confirmation. While logging into the portal today on XX/XX/XXXX, my payment was not posted to my account and it caused me to be assessed a late charge and my credit score had dropped as a result of this. The payment reflects as pending with a payment date of XX/XX/XXXX. This is a very unscrupulous process and unfair to their customers.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

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 onXXXXregarding 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. 

Please confirm receipt of this dispute and provide me with a written response detailing the results of your investigation.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

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 onXXXXregarding 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. 

Please confirm receipt of this dispute and provide me with a written response detailing the results of your investigation.

Company response to consumer: Closed with explanation