vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiry FCRA Violation To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. The inquiry in question was made by XXXX XXXX XXXX on XX/XX/year>, and it is inaccurately reported as a hard inquiry instead of a soft inquiry, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
Per FCRA 604 ( a ) ( 3 ) ( B ), an employer may only access a consumer report for employment purposes and only with the consumers written consent. Additionally, such employment-related inquiries must be classified as soft inquiries, which do not affect the consumers credit score or appear in credit files disclosed to third parties.

This inquiry was : Not authorized by me in writing for a hard pull For employment purposes, which does not warrant a hard inquiry under FCRA Under FCRA 604 ( b ) ( 2 ) ( A ), the employer was required to provide me with a clear and separate disclosure and obtain written authorization before accessing my report. No such authorization for a hard inquiry was ever given.

I am requesting : 1. Immediate removal of the hard inquiry from my credit report.

2. A confirmation in writing that the inquiry has been removed or reclassified correctly as a soft inquiry. 
Attached are copies of : A highlighted copy of the credit report showing the disputed inquiry Please investigate this matter in accordance with FCRA 611 ( a ) and provide written confirmation within 30 days.

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 2025-04-08 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
This company did not provide proper documentation to the account that they claimed verified this company is in violation of 15 US Code 1692j, 15 USC 1692e, and has failed to provide all verification documents under 15 USC 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-04-08 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: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-08 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Subject : Demand for Permanent Deletion ( With Prejudice ) of Unverified Account per FCRA, UCC, and CFPB Response To Whom It May Concern : This is a formal demand for the permanent deletion with prejudice of the disputed CAPTIAL ONE account XXXX listed on my credit report. 

I previously disputed this account under the Fair Credit Reporting Act ( FCRA ) and received a response from the Consumer Financial Protection Bureau ( CFPB ) indicating that CAPTIAL ONE was unable to locate or verify the account in question. As such, this account can not legally remain on my credit report.

Applicable Law & Justification for Deletion 1.FCRA 15 U.S.C. 1681i ( a ) Once a dispute is filed, the credit bureau must conduct a reasonable investigation and delete any item that can not be verified within the statutory time frame ( typically 30 days ). Since the furnisher failed to verify the account, this item must be removed immediately. 

2. FCRA 15 U.S.C. 1681s-2 ( b ) The data furnisher ( CAPTIAL ONE account XXXX ) is legally required to : - Investigate disputed information, - Review all relevant information provided by the CRA, - Report the results back, and - Delete inaccurate, incomplete, or unverifiable information. 

Failure to do so constitutes noncompliance.

3.Uniform Commercial Code ( UCC ) 1-201 ( 20 ) A \ '' verified\ '' record requires proof by evidence or sworn certification. Credit card statements or basic account summaries do not satisfy legal verification or authentication standards under UCC.

4. UCC 3-501 ( b ) ( 2 ) Upon demand, a party must produce evidence of the obligation. Failure to do so within a reasonable time constitutes a dishonor and discharges the alleged debt. 

Demand for Deletion With Prejudice Because : - The alleged creditor has failed to verify or validate the account, - The CFPB confirmed no record of the account exists, and- The statutory time limit for investigation has expired, I now formally demand that this account be permanently deleted with prejudice from all records and not reinserted without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), including written notice and substantiated documentation.

Please be advised that any continued reporting of this unverifiable account may be considered willful noncompliance and subject to legal action under 15 U.S.C. 1681n and 1681o.

I expect written confirmation of this deletion within 5 days of receipt of this notice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XXXX My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXXVirginiaXXXX My employer is : 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On or about XX/XX/year>XXXX  I downloaded an app from Apple store called " XXXX XXXX XXXX XXXX XXXX '' when searching for XXXX XXXX and XXXX XXXX with a logo of XXXX colors shows up. I downloaded the app by mistake and it does not give you any indication of cost. Later after a week, I get charged for an amount of {$8.00} US Dollars by this XXXX company as a weekly charge. I did not agree on this contract and I did inform Apple support for the credit card linked to my wallet which is issued by Goldman Sachs. Tried twice with they did not even ask questions and denied by claim. I have been using this card for over 4 yrs and never had requested a charge back so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-08 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXXXXXX Account # : Date open : XX/XX/XXXX Balance : {$680.00} - Collection XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$2000.00} Late/Closed XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX, Balance : {$74.00} XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$90.00} - Collection XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$2000.00} Late/Closed Inquiries in dispute : 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 explanation
Consumer complaint received 2025-04-08 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I summitted an official complain to Attorney State General Office.

This collection agency is lying to CFPB and the Justice Court. They dont provide original documents requested 1. Proof that you are legally authorized to collect this debt and qualify as a debt collector under 15 U.S. Code 1692a ( 6 ).

2. pay.

A copy of the original agreement with my signature showing I have a legal obligation to 3. A full accounting of the alleged debt, including the original balance, any fees or interest, and a breakdown of how the amount was calculated.

4. Proof of your legal authority to collect this debt in my state.

Until this information is provided, I will consider this debt unverified and request that you cease all collection activities in compliance with federal law. Additionally, under 15 U.S. Code 1692c ( c ), I request that all further communication regarding this matter be made in writing.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-08 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:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SmartCredit LLC
State: TX

Complaint narrative:
Im filling a dispute because I have my credit worked on from my credit worker since Last year XXXX and it been 7 months and my credit still in the XXXX from the start and I am not paying on nothing

Company response to consumer: Untimely response
Consumer complaint received 2025-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was a hard inquiry at a Capitol One bank that I did not authorize. I was alerted through XXXX XXXX. After calling Capitol One, they confirmed that a credit card was open in my name. I confirmed that I did NOT authorize this nor consent. They froze that card and make it unable to use. There has been no transaction made on this card. 

I filed a police report on XXXX, case # XXXX. XXXX Florida Police/XXXX County . 

I froze my credit and disputed this transaction with XXXX and XXXX. XXXX is not cooperating and is not allowing me to dispute this transaction. I did not authorize any hard inquiry at any Capitol One Bank. Please help me remove this hard pull from a Capitol One bank on XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 did not authorize the following inquiries and they do not belong to me. 
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 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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: CA

Complaint narrative:
Using their platform more than I have in the past resulted in them closing my account with no real reasoning provided and no way to fix this measure. It looks like they have done this to thousands of others given their ongoing lawsuit for data breaches which is unrelated to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I am disputing a {$330.00} charge from Hyundai Motor Finance related to an alleged traffic or parking violation from XXXX and XX/XX/XXXX. 

I was never notified by either the issuing municipality or Hyundai about this violation until it appeared on my XX/XX/XXXX finance statement. There was no citation issued directly to me, and my driving history does not show any record of such violations. 

Moreover, this charge includes a late fee, even though I was never informed about the original fine in the first place. I only became aware of the issue after receiving persistent phone calls from Hyundai in XX/XX/XXXX. 

I called Hyundai and spoke with six different agents. I requested documentation and agreed to resolve the matter fairly once proof was provided. However, I have not received adequate documentation or a reasonable explanation regarding this charge or the late fee. 

I believe this charge is improper and was applied without due notice or an opportunity to dispute the original violation. I request the CFPB to investigate this matter and help resolve the issue.

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