vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

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 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Credit limit was lowered for : Proportion Of Credit Card Payments Using Paypal Wallet Account That Were Declined In The Last Year Average Difference In Payment To Minimum Amount Due On Paypal/Venmo Credit Account In Last 2 Months Average Difference In Payment To Minimum Payment Due On Paypal/Venmo Credit Account In Last 3 Months Current Balance On Paypal/Venmo Credit Account Reason states payment in last 2 and 3 months are min. Payments are never minimum. Credit should never have been lowered. Never have been late and now my report shows Ive been using more than 30 % of credit because credit was lowered.

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 2025-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, while I was asleep, a wire transfer of {$36000.00} was fraudulently processed from my Capital One checking account. I received an email at XXXX XXXX confirming receipt of the wire request and another at XXXX XXXX stating the wire had been sent to an unknown recipient at XXXX XXXX XXXX XXXX. I did not authorize this transfer. 

I contacted Capital One immediately. They acknowledged the transaction was unauthorized and said they had requested the funds back. Over a month later, I have not been reimbursed and no resolution has been offered. Ive received no further communication beyond those two initial automated emails.

I have asked Capital One repeatedly how this transaction occurred without two-factor authentication or confirmation. They have not provided an explanation. A representative told me it came from a trusted device, even though I was asleep and had no involvement. 

Capital One also closed my accounts without notifying me and opened new accounts in my name. I only learned of this after calling for an update a week later. Ive since filed reports with local law enforcement and the FBIs Internet Crime Complaint Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-04-19 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-19 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: MA

Complaint narrative:
I am writing to formally dispute information on my credit report that I believe is inaccurate and outdated, and therefore in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c, which limits how long negative information can be legally reported.

According to my recent credit report, the following account is still being reported despite being beyond the time limits established by law : Under 15 U.S.C. 1681c ( a ) ( 4 ), adverse information ( such as accounts placed for collection or charged off ) may not be included on a credit report more than seven years after the date of the first delinquency. The information noted above is beyond that seven-year limit and should no longer be reported.

I am requesting that you conduct an investigation of this item and remove it from my credit report in compliance with federal law. Please confirm in writing that this item has been removed or, if not, provide a detailed explanation as to why it remains on my report despite the legal limitations. 

In accordance with FCRA guidelines, I expect your response within 30 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MA

Complaint narrative:
I am writing to formally dispute information on my credit report that I believe is inaccurate and outdated, and therefore in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c, which limits how long negative information can be legally reported.

According to my recent credit report, the following account is still being reported despite being beyond the time limits established by law : Under 15 U.S.C. 1681c ( a ) ( 4 ), adverse information ( such as accounts placed for collection or charged off ) may not be included on a credit report more than seven years after the date of the first delinquency. The information noted above is beyond that seven-year limit and should no longer be reported.

I am requesting that you conduct an investigation of this item and remove it from my credit report in compliance with federal law. Please confirm in writing that this item has been removed or, if not, provide a detailed explanation as to why it remains on my report despite the legal limitations. 

In accordance with FCRA guidelines, I expect your response within 30 days of receiving this letter.

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 2025-04-19 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:
Subject : Unauthorized Hard Inquiry Violation of 15 USC 1681b of the FCRA To Whom It May Concern, I am writing to formally file a complaint regarding an unauthorized hard inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b.

I did not authorize the following company to access my credit report, nor did I apply for any credit, service, or employment that would have given them permissible purpose to perform a hard inquiry : Company Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/scrub> 2023 Credit Bureau Reporting the Inquiry : Equifax, Experian, TransUnion According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under certain permissible purposes. Since I did not initiate any transaction with the above-named entity, I am asserting that this inquiry was made without my consent or a valid reason, and therefore should not have occurred.

I have already contacted the credit bureau and requested proof that this inquiry was authorized. If they are unable to provide such documentation, the inquiry must be deleted from my report, as required by federal law.

I am requesting that the CFPB investigate this matter further and ensure that the credit bureaus and the company involved are held accountable for violating my rights under the FCRA.

Thank you for your time and assistance in this matter.

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 2025-04-19 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:
Subject : Unauthorized Hard Inquiry Violation of 15 USC 1681b of the FCRA To Whom It May Concern, I am writing to formally file a complaint regarding an unauthorized hard inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b.

I did not authorize the following company to access my credit report, nor did I apply for any credit, service, or employment that would have given them permissible purpose to perform a hard inquiry : Company Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/scrub> 2023 Credit Bureau Reporting the Inquiry : Equifax, Experian, TransUnion According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under certain permissible purposes. Since I did not initiate any transaction with the above-named entity, I am asserting that this inquiry was made without my consent or a valid reason, and therefore should not have occurred.

I have already contacted the credit bureau and requested proof that this inquiry was authorized. If they are unable to provide such documentation, the inquiry must be deleted from my report, as required by federal law.

I am requesting that the CFPB investigate this matter further and ensure that the credit bureaus and the company involved are held accountable for violating my rights under the FCRA.

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: PA

Complaint narrative:
Subject : Dispute Regarding Inaccurate Reporting on Credit Account Date : XXXX To : Trans Union XXXX XXXX XXXX XXXX, XXXX, PA XXXX To : Equifax XXXXXXXX XXXX XXXX, XXXX, GA XXXX. 


Account Number : XXXX Report Date : XX/XX/year> Dear Trans Union Dispute Resolution Team, I am writing to formally dispute the accuracy of information reported on my credit report regarding the account referenced above. Upon reviewing my report, I noticed that there are two late payments listed on this account, which I believe are reported inaccurately. I have consistently made timely payments on this account, and these late payments should not be reflected. 

The consumer reporting agencies are required to report all information with complete accuracy, and I am requesting that you investigate this account to correct the misinformation. I have attached a copy of my credit report highlighting the discrepancies for your reference. 

Details of the Disputed Account : Account Number : * * XXXX Dates of Alleged Late Payments : * * XXXX also XXXX Current Status : * * Paid I kindly ask that you update this account to reflect that all payments have been made on time and ensure that my credit report accurately reflects my payment history. 

Thank you for your understanding and prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Pa 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 2025-04-18 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-18 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: NC

Complaint narrative:
I hope this message finds you well. Im reaching out because I noticed some information on my credit report that I believe is incorrect, and Id like to formally dispute it. After reviewing my report, I saw something that doesnt line up with my records and wasnt authorized by me. I take my credit seriously, and I want to make sure everything reflected is accurate and fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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:
These companies ran hard inquiries on my credit without my permission. I went to a car dealership and got financing through XXXX XXXX and there was no reason for my credit to be ran multiple times affecting my credit bureau standings and scores. For my equifax report XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX .On my transunion credit report XXXX XXXX XXXX XXXX on XX/XX/XXXX again XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these inquiries were done without my knowledge and are greatly affecting my credit scores

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 2025-04-19 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:
These companies ran hard inquiries on my credit without my permission. I went to a car dealership and got financing through XXXX XXXX and there was no reason for my credit to be ran multiple times affecting my credit bureau standings and scores. For my equifax report XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX .On my transunion credit report XXXX XXXX XXXX XXXX on XX/XX/XXXX again XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these inquiries were done without my knowledge and are greatly affecting my credit scores

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope this message finds you well. Im reaching out because I noticed some information on my credit report that I believe is incorrect, and Id like to formally dispute it. After reviewing my report, I saw something that doesnt line up with my records and wasnt authorized by me. I take my credit seriously, and I want to make sure everything reflected is accurate and fair.

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 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I've been having this problem since XXXX of XXXX  or XXXX and XXXX and this problem has not yet to been resolved on why people are able to put funds into my account and I'm not able to pull off of them but they're able to pull off of them it's crazy it's I don't know how hackers do it but whatever the case may be I know that I've had a couple emails saying that I've had money come in my way and I have yet not to receive it so I don't have no idea what's going on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX Mercedes-Benz of XXXX XXXXXXXX XXXX I put down {$100000.00} and was told I was purchasing the vehicle with a package. At the time of purchase ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The dealership never provided a breakdown of what this package included. I later learned that {$75000.00} of the financed amount was labeled Misc Equipment in the Retail Purchase Agreement, even though there was no such equipment added to the vehicle. This charge was not disclosed in the Retail Installment Sales Contract. 

In XX/XX/XXXX, the loan was restructured under my business name ( XXXX XXXX XXXX XXXXXXXX XXXX ) with the same {$75000.00} listednow clearly labeled as MISC EQIP. I assumed it was part of the previously mentioned package. 

On XX/XX/XXXX, I returned to the dealership to trade in the vehicle and was offered {$140000.00} {$5000.00} less than my loan balance, despite my large down payment. A finance manager then admitted that the {$75000.00} Misc Equipment was actually a COVID-era market adjustment, not a real product or service. 

This was the first time the true nature of the charge was disclosed. I was misled into financing an inflated vehicle price and left in negative equity. I believe this misrepresentation violates federal lending disclosure laws and constitutes a deceptive and unfair practice. I am seeking investigation and resolution.

Company response to consumer: Closed with explanation