vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX  Charge-off + resold Appears sold to XXXX, may still be reporting a balance. 

XXXX XXXX 30-day late marks in XXXX  No supporting evidence or dispute history noted. 


XXXX XXXX Bank XXXX marks and charge-off ( Experian ) If multiple accounts were charged off and resold without XXXX  balance, this could be misleading.

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 2025-07-09 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: WI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00}

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
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against Transunion for reporting multiple unauthorized and unverifiable hard inquiries on my consumer credit report, which I never authorized, initiated, or consented to. These inquiries have negatively affected my credit score and do not reflect any application or business transaction I engaged in. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal protections to request immediate action, removal, and investigation of these inquiries. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> Issue : Unauthorized hard inquiry Law Violated : FCRA 604 ( a ) ( 3 ) ( A ), FCRA 605B Explanation : I never submitted an application for credit or services with XXXX XXXX XXXX XXXX XXXX. This inquiry is fraudulent and shows negligent reporting. The FCRA strictly prohibits such inquiries without explicit consumer consent. 
XXXX XXXX XX/XX/year> Issue : Inquiry without consent or application Law Violated : FCRA 604 ( a ) ( 3 ) ( F ), FCRA 611 Explanation : I have not initiated any transaction with XXXX XXXX. No application or account relationship exists. This inquiry was made without permissible purpose and violates my privacy and rights under the FCRA. 
XXXX XX/XX/year> Issue : Fraudulent hard inquiry Law Violated : FCRA 604, FCRA 611 Explanation : I did not initiate any application with XXXX. This inquiry suggests either identity misuse or improper access to my file. XXXX  failed to investigate or validate before reporting. 
XXXX XXXX XX/XX/year> Issue : Redundant unauthorized inquiry Law Violated : FCRA 604 ( a ) ( 3 ), 611 ( a ) Explanation : Again, XXXX  has allowed XXXX  XXXX to make hard inquiries without my consent. The repeated pattern of inquiry abuse without my knowledge is alarming and in clear violation of FCRA. 
Summary of Violations and Request for Resolution : XXXX  is in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ) by : Reporting inquiries without permissible purpose ( XXXX ) Failing to maintain reasonable procedures to ensure maximum possible accuracy ( 607 ) Not investigating or correcting disputed items ( 611 ) These unauthorized and unverifiable hard inquiries have directly caused damage to my credit score, mental distress, and financial harm due to reduced creditworthiness and credibility. I request immediate removal of all the inquiries listed above from my XXXX  report and demand an investigation be conducted into how these inquiries were allowed without consumer authorization.

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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Undisclosed Card Lock Despite Paid Balance Incident Report To Whom It May Concern, Im documenting an incident involving Capital Ones failure to properly notify me of a card lock, resulting in multiple declined transactions and wasted time.

Incident Summary : I attempted to pay my business lawyer using my Capital One credit card the charge was unexpectedly declined. 

I updated the app to check for issues. It showed a past due balance, which I promptly paid in full. 

The app indicated the balance was cleared, and there was no warning or notice that my card was frozen or unusable. 

I then attempted to pay the Texas DMV another legitimate government entity and the card was declined again. 

I contacted Capital One support. They told me the card was locked due to a previously unpaid balance, despite it now being paid. 

Again, nothing in the app ever showed that the card was frozen or suspended. No banner. No alert. No lock icon. 

The support rep claimed it would be resolved but provided a scripted, non-specific response with no explanation of why I was never notified. 

Concerns : Lack of transparency : At no point was I informed my card was frozen. This is a serious omission. 

Declining essential payments : Blocking charges to a law office and the DMV while showing account in good standing is unacceptable. 

App misrepresentation : If the account is locked, that status should be visible in the app not hidden behind a support call. 

Requested Action : A full explanation of why the lock was not disclosed through any digital channel. 

Confirmation that this issue is fully resolved, and that no future silent lockouts will occur. 

XXXX that Capital One will improve transparency in how account status is communicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-09 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a hard inquiry listed on my credit report, which I did not authorize. Upon reviewing my credit file, I noticed an inquiry made by your company on XX/XX/year> and XX/XX/year>, listed under Ally Financial. 
According to the Fair Credit Reporting Act ( FCRA ), a hard inquiry may only be made with my explicit written consent. I have no recollection of authorizing your company to access my credit file, and I have not applied for credit with your company or its affiliates. Therefore, this inquiry is unauthorized and a violation of my consumer rights under the FCRA.

I respectfully request that you immediately : 1. Remove the unauthorized inquiry from all three credit bureaus ( XXXX, XXXX, and XXXX  ) ; and 2. Provide written confirmation of this action.

If this issue is not resolved immediately within 30 days, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
Thank you for your prompt attention to this matter. Please confirm in writing when the inquiry has been removed. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
I received a letter from XXXX XXXX ( the parent company of the grocery store called fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) yesterday alerting me that my personal information was involved in a data breach that happened back on XX/XX/XXXX anXXXX XXXX XXXX XXXX so i started double checking whatever i could on my end over the past XXXX hours and noticed some emails, emails that i have a few questions about. I received an email from you back on the XXXX alerting me about my information apparently being on the dark web, but that's all the email says though ( snapshot included below ), so could you please provide more information about what that email is referring to instead of just leaving it vague like that? The other XXXX emails all congratulate me on having paid my home loan further down ( snapshots included below ), but that's the issue though, i don't own a home, i never have owned a home, nor have i even applied for a home loan before either. The fact the first home loan email was sent to me on XXXX XXXX XXXX, which is only XXXX weeks after the data breach happened is adding to the concern i have here. Please provide whatever information you can regarding those XXXX emails so that way i can response to someone possibly stealing my identity in an accurate and ( hopefully ) very timely / quick response as well.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
To Whom It May Concern I am writing to formally request validation and verification of the alleged debt you claim I owe, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), and the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ).

I do not acknowledge this debt and request the following information to validate it : 1. The original creditor 's name and address.

2. A detailed account statement showing the amount of the alleged debt, including an itemized breakdown of all charges, interest, fees, and payments.

3. A copy of any contract or agreement bearing my signature that proves my obligation to this debt.

4. Proof that you are legally authorized to collect this debt in my state.

5. A copy of any judgment ( if applicable ).

6. The chain of custody or assignment from the original creditor to your agency.

Furthermore, under FCRA Section 609 ( a ) ( 1 ) ( A ), I request copies of all records in your file pertaining to me, including any documentation you have relied upon in reporting or attempting to collect this debt.

Until you provide the requested validation, you must cease all collection activities, including reporting this alleged debt to any credit reporting agency, as continued collection efforts without proper validation violate the FDCPA and may also constitute defamation of character and a violation of my rights under federal law.

Please respond to this request within 30 days of receiving this letter. If you fail to provide sufficient proof, you must remove any references to this account from my credit reports and cease all collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NC

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

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

Company 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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

Company 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 2025-07-09 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.

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 2025-07-09 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: WI

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.S. 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 non-monetary relief
Consumer complaint received 2025-07-09 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: WI

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.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-09 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: MO

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Equifax. I previously submitted a written dispute on XX/XX/year>, which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I submitted a loan application through SoFi.com to consolidate and pay off existing debt totaling less than {$5000.00}. Despite having a fair XXXX XXXX of XXXX and having resolved all prior delinquencies, my application was denied based on an alleged " serious delinquency '' that still appears on my credit report. I firmly believe this decision was unjust and did not fairly reflect my current financial status. Furthermore, I suspect that XXXX discrimination played a role in the evaluation and denial of my application, which raises serious concerns about the fairness and integrity of SoFi 's lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion to address inaccuracies on my credit report. Unfortunately, these errors have not yet been corrected. For your reference, Ive attached copies of the letters sent to each bureau, along with a table outlining the discrepancies across all three reports. I respectfully request your assistance in reviewing and resolving these issues promptly.

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