vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
I am very frustrated right now after seeing an unauthorized inquiry pop up on my credit report today for no reason. I checked my report as I usually do, and out of nowhere, something was wrong. I even refreshed the page thinking it was a system errorbut it wasnt. I need this looked into immediately, and I urge you to check the documents Ive already submitted to prevent this from happening again.

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 2025-04-09 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: MD

Complaint narrative:
I am filing this complaint because there are multiple hard inquiries appearing on my credit report that I did not authorize or give direct permission for. These inquiries are impacting my credit score and were not initiated by me for legitimate or approved applications. 

I have already filed disputes with the credit bureau ( Equifax ), but the disputes were denied. I selected the appropriate options available to dispute the inquiries, such as I didnt give this company authorization, but the inquiries remain on my report. 

Many of these inquiries came from auto dealerships or finance companies running my credit multiple times in a short period without my direct approval for each pull. Some were pulled without me even finalizing an application. I believe this is excessive and not in line with fair credit practices. 

I am now experiencing difficulty with getting approved for loans and financing due to the number of hard inquiries listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-09 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: MD

Complaint narrative:
I am filing this complaint because there are multiple hard inquiries appearing on my credit report that I did not authorize or give direct permission for. These inquiries are impacting my credit score and were not initiated by me for legitimate or approved applications. 

I have already filed disputes with the credit bureau ( Equifax ), but the disputes were denied. I selected the appropriate options available to dispute the inquiries, such as I didnt give this company authorization, but the inquiries remain on my report. 

Many of these inquiries came from auto dealerships or finance companies running my credit multiple times in a short period without my direct approval for each pull. Some were pulled without me even finalizing an application. I believe this is excessive and not in line with fair credit practices. 

I am now experiencing difficulty with getting approved for loans and financing due to the number of hard inquiries listed.

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 2025-04-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because there are multiple hard inquiries appearing on my credit report that I did not authorize or give direct permission for. These inquiries are impacting my credit score and were not initiated by me for legitimate or approved applications. 

I have already filed disputes with the credit bureau ( Equifax ), but the disputes were denied. I selected the appropriate options available to dispute the inquiries, such as I didnt give this company authorization, but the inquiries remain on my report. 

Many of these inquiries came from auto dealerships or finance companies running my credit multiple times in a short period without my direct approval for each pull. Some were pulled without me even finalizing an application. I believe this is excessive and not in line with fair credit practices. 

I am now experiencing difficulty with getting approved for loans and financing due to the number of hard inquiries listed.

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 2025-04-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Alert came up on my phone informing me of a inquiry to my Experian credit report.

I reached out to correct the issue. This is a formal complaint to have the inquiry removed.

I did not apply to anything. This is on the heels of XXXX bank rep contacting me saying a person in New York tried to open an account in my name. i live in California. The new inquiry needs to be removed. Experian credit report agency. 

XXXX XXXX Inquiry date XXXX XXXXXXXX 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is not a misunderstanding or an error on my part, this is a legitimate and urgent complaint. My credit report contains inaccurate information that clearly fails to meet the legal standard of maximum possible accuracy. These inaccuracies are having a serious and ongoing negative impact on my life, affecting me XXXX, financially, and XXXX during an already difficult time. The burden they are placing on me is severe, and I can not overstate how important it is that this issue be corrected immediately.

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 2025-04-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX/XXXX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: AP

Complaint narrative:
Im a XXXX XXXX XXXX overseas. Ive been struggling with bad credit and wanted to get a better grasp of my financial situation so I checked my credit report through XXXX and discovered a DISCOVERBANK credit card XXXX on my report that I never opened. The credit card was reportedly opened on XX/XX/XXXX and closed on XX/XX/XXXX. It had a credit limit of {$500.00} but had a past due amount of {$700.00}. The payment status is Collection/Chargeoff with a remark of Charged off as bad debt Profit and loss write-off. I also noticed an address I dont recognize XXXX XXXX, XXXX FL XXXX .I called XXXX to report the fraud on XX/XX/XXXX. The XXXX worker initiated a dispute and told me to mail them my concerns along with any additional documents from the FTC. After going to the FTC website I was rerouted to the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint against Chime Financial , Inc. and its partner banks XXXX XXXXXXXX XXXX XXXX. and XXXX  XXXX XXXX  ) for improperly handling multiple billing dispute claims, violating my rights under : Regulation E / EFTA ( 12 CFR 1005 ) UCC Article 9 ( 9-607 and 9-608 ) Fair Credit Billing Act ( FCBA ) Chimes own secured account agreement I funded a secured Credit Builder account, which by nature created a security interest and trust-based financial arrangement. I disputed multiple unauthorized and misrepresented transactions between XXXX and XXXX, including but not limited to : {$1500.00} ( Claim ID : XXXX ) {$250.00} ( Claim ID : XXXX ) {$70.00} ( Claim ID : XXXX ) Chime denied these disputes without providing any detailed investigation documents unless I specifically requested themwhich I did. Despite this, they failed to reverse or credit the secured funds that I previously transferred into the Credit Builder account for protection. These denials resulted in Chime applying these charges as if they were valid, even though I had already covered the accounts with secured deposits. 

Chime and its partner banks did not : Properly investigate or respond to these disputes within regulatory timelines. 
Return my secured funds or any surplus as required by UCC 9-608. 
Acknowledge my security interest in the funds I deposited under the Credit Builder agreement. 

Furthermore, FDIC-insured partner banks ( XXXX XXXX XXXX and XXXX XXXX  XXXX have a fiduciary duty to safeguard consumer funds, especially in cases where Chime acts as a program partner managing consumer deposit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Subject : Fraudulent Account on My Credit Report Identity Theft Victim Dear CFPB, I am a victim of identity theft. My personal information was stolen, and as a result, a fraudulent account was opened in my name that I have never authorized, registered, or agreed to. 

Here are the fraudulent account details : Creditor Name : WESTLAKE FINANCIAL SERVICES Account Number : XXXX Account Type : Installment ( Auto Loan ) Date Opened : XX/XX/XXXX Balance : {$12000.00} ( as of XX/XX/XXXX ) Monthly Payment : {$570.00} High Credit : {$22000.00} Account Status : Open Payment Status : Current I have never : Authorized or applied for this account Signed any documents or contracts related to it Logged into it or made any payments on it I already submitted disputes to the major credit bureaus. So far, XXXX removed the account, but it still appears on my XXXX and XXXX credit reports. 

I have filed an identity theft report with the FTC. 
FTC Report Number : 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 2025-04-09 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: SC

Complaint narrative:
PLEASE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Experian Information Solutions , Inc., DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

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 2025-04-09 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: FL

Complaint narrative:
I submitted written disputes to both TransUnion and Equifax regarding inaccurate information on my credit reports. Despite using the exact personal identifying information listed on my reports, including full name, address, and date of birth, both bureaus responded stating they could not locate my credit file. This response is contradictory, considering they are currently furnishing a credit report under that same information. 

Their failure to investigate my dispute within the 30-day period as required by the Fair Credit Reporting Act ( FCRA ) is a violation of my rights. I am requesting that the CFPB require TransUnion and Equifax to properly locate my credit file, investigate the disputed items, and respond with the results of their investigation in accordance with 15 U.S.C. 1681i.

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 2025-04-10 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the informations I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, proof of address, and identity theft letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I had to have an XXXX XXXX XXXX resulting in an extended hospital stay ( 2 1/2 months ) during this life changing event I was unable to access my account to make payments. Although I have tried to explain multiple times all they do is send it for review. The lowering of my credit limit is negatively impacting my credit score due to circumstances beyond my control. The company refuses to work with me on a suitable resolution. I feel like they are discriminating against sick and XXXX people. I am now considered XXXX. They have no empathy for traumatic life events.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ).

This incorrect information includes wrong addresses, a name and employers that I have never been associated w
ith. Below are the specific details of the inaccuracies that need to be corrected.

Inaccurate Information : 1. **Wrong Addresses : XXXX XXXX XXXXIncorrect Address # XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX **Incorrect Address # XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX - XXXX Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. **Incorrect Names : XXXX XXXX XXXXIncorrect Name # XXXX : ** XXXXXXXX XXXX XXXX - XXXX*Correct Name : ** XXXX XXXX XXXXXXXX XXXX XXXX. **Wrong Employers : XXXX XXXX XXXXncorrect Employer # XXXX : **XXXX XXXX **Correct Employer : ** XXXX XXXX Actions Requested : 1. Remove Incorrect Addresses : Please remove the incorrect addresses listed above from my credit report.

2. Correct Name : Please ensure that only my correct name, XXXX XXXX XXXXXXXX XXXX, is reflected on my credit report. 
3. Remove Incorrect Employers : Please remove the incorrect employers listed above from my credit report. 
Supporting Documentation : To assist in verifying my correct personal information, I have enclosed copies of the following documents : - A copy of my government-issued ID.- A copy of my Social Security Number.- A copy of document showing my correct address. 
Impact : These inaccuracies have the potential to a effect my creditworthiness and cause confusion in my credit pro file. It is essential that my credit report contains accurate and up-to-date information. 
Desired Resolution : I am requesting that Equifax promptly investigate and correct these inaccuracies. Please con rm in writing once the corrections have been made and provide me with an updated copy of my credit report. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: EQUIFAX, INC.
State: VA

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