vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS 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 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
To whom it may concern ; I have reviewed my credit report again, TRANSUNION has failed again after numerous attempts to remove inaccurate information. On XX/XX/year> @ XXXX XXXX spoke to supervisor XXXX XXXX XXXX the FRAUD DEPARTMENT advised me that they can not remove inaccurate information on my credit report due to receiving information from a 3rd party, CFPB is a third party and information sent to them from CFPB is not valid. I have tried to remove this inaccurate information from my credit report in several attempts and by reaching out to Transunion and nothing has been done. I have submitted FTC REPORTS, CFPB COMPLAINTS and XXXX  complaints. Transunion is violation my consumer rights. 

UNAUTHORIZED account opened under my name under FTC REPORT XXXX XXXX XXXX {$240.00} in collection. 

Inquires I have never authorized 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

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 2025-07-17 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: NC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I am being denied access to my existing Gemini account unless I agree to open a credit card with them. This account contains my personal funds and digital assets. When I attempt to log in, I am redirected or blocked unless I consent to opening a Gemini-branded credit card. 

I never consented to this requirement, and I believe this is an abusive and coercive practice. I am effectively being forced to apply for a financial product I do not want just to access my own property. 

This appears to be a violation of consumer protection laws, potentially including unfair and deceptive practices. I have attempted to resolve the issue with Gemini support but have not received a resolution. 

This situation is causing undue XXXX, delays, and concern for the safety of my assets. I request immediate intervention so I can access my account without being required to apply for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting TransUnion to remove the following fraudulent inquiry XXXX 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is not a mistaken complaintI am fully aware of the inaccuracies appearing on my credit report, and I am formally disputing them. These errors fall short of the required standard of maximum possible accuracy and are actively harming my financial well-being during an already difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Local Management, LLC
State: AL

Complaint narrative:
I recently paid of a personal loan from Local Finance in XXXX, XXXX. I'm not sure if this is the right place to make this complaint, but the manager XXXX XXXX has been sending excessive texts, letters and making phone calls to me even when I am not late on my payment ( It is paid off now ). At least XXXX or more contacts per week. She started this after I got short with her on the phone XXXX day. If I was going to be late I would call and let them know and she would refuse to put it down as a promise to pay as she used to do. She would call every day as if she had never heard from me and continue to contact my references. There was XXXX incident when I was less than XXXX  days late and I had called to let them know when I would be paying. She sent me a letter threatening garnishment of my wages and coming to my house to confiscate my items of collateral. She would call at work and home. I mailed in my final payment last Monday the XXXX and told her not to contact me ever again in any way. I received several texts and phone calls after that from her. She did not act in a professional way and I would like her investigated. I have saved all of the letters and most of the phone calls and texts. I am also planning on consulting with a lawyer. Please let me know if I need to report somewhere else or is this the right place. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX XXXXXXXX NC XXXX XXXX : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received my ssi payment on Monday, Capital one sent out money to put my account in the negative, without any answers. They said last week that they will put the money back in my account in three days, Monday they said that they will put the money back in my account in one to two days, and now they are saying ninety days and then they said ten days. Now I have late fees, credit scores, and bounce checks due from them. They have my money without any answers ; I can not buy my meds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
Unauthorized Hard Inquiries Under FCRA Violations ( Demand for Permanent Deletion ) To Whom It May Concern, I am submitting this formal complaint to TransUnion, Equifax, and Experian credit bureaus under my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) to report multiple unauthorized hard inquiries appearing on my consumer credit file, which constitute a direct violation of federal law and an infringement on my right to privacy.

Details of Violations : The inquiries were made without my knowledge, consent, or permissible purpose as defined under 15 U.S. Code 1681b ( a ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This statute restricts consumer reporting agencies from providing credit reports unless a legitimate and authorized purpose exists, such as a firm offer of credit initiated by the consumer. 
These hard inquiries have caused reputational damage, reduced my credit score, and have unjustifiably exposed my private credit information. I demand a full investigation into the sources of these inquiries and expect enforcement action against any entity found to have accessed my credit report unlawfully.

Legal Basis for Permanent Deletion : - 15 U.S. Code 1681b ( a ) : Lists the only permissible reasons a credit report may be accessed. Unauthorized access is a direct violation.

- 15 U.S. Code 1681n & 1681o : Entities that obtain consumer reports without a permissible purpose may be held liable for willful and negligent noncompliance.

- 15 U.S. Code 1681e ( a ) : Requires credit reporting agencies to maintain reasonable procedures to avoid violations and ensure access only by those with legitimate reasons.

In accordance with the above statutes, I demand the permanent deletion of the following unauthorized hard inquiries from my credit report and request written confirmation of their removal. I also request that the offending furnishers be investigated and held accountable.

Requested Action : - Immediate and permanent deletion of all unauthorized hard inquiries. 
- Full reinvestigation into the reporting entities and their legitimacy. 
- Notice of resolution and records of findings. 
- Confirmation that these inquiries will not reappear or affect future credit assessments. 
I appreciate your prompt attention to this matter. My rights are clearly defined and protected under federal law, and I expect the Consumer Financial Protection Bureau to enforce these protections with due diligence and integrity. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
Unauthorized Hard Inquiries Under FCRA Violations ( Demand for Permanent Deletion ) To Whom It May Concern, I am submitting this formal complaint to TransUnion, Equifax, and Experian credit bureaus under my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) to report multiple unauthorized hard inquiries appearing on my consumer credit file, which constitute a direct violation of federal law and an infringement on my right to privacy.

Details of Violations : The inquiries were made without my knowledge, consent, or permissible purpose as defined under 15 U.S. Code 1681b ( a ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This statute restricts consumer reporting agencies from providing credit reports unless a legitimate and authorized purpose exists, such as a firm offer of credit initiated by the consumer. 
These hard inquiries have caused reputational damage, reduced my credit score, and have unjustifiably exposed my private credit information. I demand a full investigation into the sources of these inquiries and expect enforcement action against any entity found to have accessed my credit report unlawfully.

Legal Basis for Permanent Deletion : - 15 U.S. Code 1681b ( a ) : Lists the only permissible reasons a credit report may be accessed. Unauthorized access is a direct violation.

- 15 U.S. Code 1681n & 1681o : Entities that obtain consumer reports without a permissible purpose may be held liable for willful and negligent noncompliance.

- 15 U.S. Code 1681e ( a ) : Requires credit reporting agencies to maintain reasonable procedures to avoid violations and ensure access only by those with legitimate reasons.

In accordance with the above statutes, I demand the permanent deletion of the following unauthorized hard inquiries from my credit report and request written confirmation of their removal. I also request that the offending furnishers be investigated and held accountable.

Requested Action : - Immediate and permanent deletion of all unauthorized hard inquiries. 
- Full reinvestigation into the reporting entities and their legitimacy. 
- Notice of resolution and records of findings. 
- Confirmation that these inquiries will not reappear or affect future credit assessments. 
I appreciate your prompt attention to this matter. My rights are clearly defined and protected under federal law, and I expect the Consumer Financial Protection Bureau to enforce these protections with due diligence and integrity. 
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 explanation
Consumer complaint received 2025-07-17 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:
This is my third formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) XXXX. On XX/XX/year>, I submitted a complete identity theft dispute including a valid FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address. Experian was legally obligated under 605B ( c ) ( 1 ) to block the disputed identity theft data within 4 business days. As of now, Experian has failed to do so. The following fraudulent data remains on my credit file : 4 unauthorized hard inquiries ( XXXX XX/XX/year>, ALLY FI XX/XX/year> XXXX, XXXX XX/XX/year> ), 2 false addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX CA XXXX ), and a fraudulent employer ( Self-Employed ). I did not authorize or initiate any of these entries. Experian has also placed a fraud alert on my credit file without my consent, which I never requested. This fraud alert must be removed immediately, and no future alert may be added without my explicit written or verbal authorization. Experian is now in ongoing violation of multiple FCRA provisions : 605B ( c ) ( 1 ) ( failure to block disputed data ), 602 ( a ) ( failure to ensure accuracy ), 607 ( a ) ( failure to follow reasonable procedures ), and 610 ( a ) ( failure to correct false data ). This behavior shows a pattern of negligent or willful noncompliance with federal law. I am demanding the following : permanent deletion of all 4 unauthorized inquiries, removal of both fraudulent addresses and employer, full removal of the unauthorized fraud alert, written confirmation of compliance, and an updated credit disclosure reflecting all corrections. Experians continued inaction is unacceptable. I request CFPB to take immediate enforcement action and publish this complaint so others can be warned. I am prepared to pursue legal remedies if this matter is not resolved.

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