vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: SC

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate and remove multiple unauthorized or unverifiable hard inquiries on my credit report. 

I did not give written, verbal, or electronic authorization for several of these companies to access my TransUnion credit file. TransUnion has not provided any documentation showing : A signed credit application Proof of permissible purpose under FCRA 604 Date, time, or method of authorization Identity match verification IP address or online authorization Any documentation with my signature These inquiries appear to be the result of auto dealer shotgun applications, where my information was sent to multiple lenders without my knowledge or consent. I only authorized ONE credit pull, not multiple on the same day. 

TransUnion previously marked these inquiries as verified, but no actual validation was provided. An automated one-click response from a lender is not sufficient for verification under FCRA 609 ( a ) ( 1 ). TransUnion has failed to conduct a reasonable reinvestigation as required under FCRA 611.

These inquiries are harming my credit score and affecting my ability to obtain housing and financing. I am requesting that TransUnion provide full documentation of permissible purpose or delete the inquiries. 

Below is the list of the hard inquiries in question : Hard inquiries involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) TransUnion has not provided any proof that these companies had my permission or a lawful permissible purpose to pull my credit. 

This violates : FCRA 604 ( permissible purpose ) FCRA 609 ( a ) ( 1 ) ( right to documentation ) FCRA 611 ( failure to conduct a reasonable investigation ) I am requesting CFPB assistance to require TransUnion to delete all inquiries that can not be validated with actual written proof.

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 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XX/XX/year>, Capital One blocked my debit card without any prior notice at or near the same time I transferred approximately {$2000.00} into the account. I did not receive any alert, email, text message, or other communication warning that my debit card would be disabled. 

I discovered the issue only when attempting to use the card while away from home for essential needs, including food and transportation. After contacting Capital One by phone, I was informed that the card had been blocked and that a replacement would be mailed within approximately XXXX business days, leaving me without reliable access to my deposited funds during that time. 

The lack of notice and immediate loss of access created a preventable hardship situation. I was temporarily unable to use my own funds for basic necessities and safe transportation solely due to the sudden and undisclosed action taken by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was informed by Citi Financial that someone applied for a Credit Card under my name in XXXX XXXX XXXX without my permission or without my knowledge

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a documented victim of identity theft. My personal identifying information, including my Social Security number, date of birth, and address history, was exposed in the Equifax data breach. As a result, fraudulent and unauthorized accounts, inquiries, and derogatory information appeared on my consumer credit reports. 

I provided the credit reporting agency with a valid FTC Identity Theft Report, a police report, proof of identity, proof of address, and documentation of my Equifax data breach exposure. These documents meet all requirements under the Fair Credit Reporting Act. 

I formally requested mandatory identity theft blocking under FCRA 605B, including the removal of fraudulent accounts, inquiries, late payment histories, and incorrect personal information. I also requested the method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and disclosure of information sources under 611 ( a ) ( 7 ). 

Despite receiving this documentation, the credit reporting agency failed to block or delete the identity-theftrelated information within the required four business days. The agency continues to report derogatory information tied to compromised personal identifiers and has failed to provide the requested method of verification or documentation supporting its reporting.

This constitutes ongoing noncompliance with the Fair Credit Reporting Act, including violations of FCRA 605B, 611, and 607 ( b ). I am requesting CFPB assistance to ensure compliance and proper correction of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a second formal notice regarding the inaccurate reporting of a XXXX XXXX XXXX bankruptcy on my credit file. Despite a previous dispute, this item remains unverified and improperly reporting, in clear violation of federal consumer protection laws. 
Let me make it clear : I am not using a third-party service. This dispute is coming directly from me as the consumer, and I will not accept a stall letter or template response. This issue has also been reported to the Consumer Financial Protection Bureau ( CFPB ). 
Item in Dispute : Bankruptcy XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account 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 non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
To Whom It May Concern, I am requesting validation of the alleged debt you claim I owe. This is not a refusal to pay, but a request for proof under the Fair Debt Collection Practices Act. 

Please provide the following : The name and address of the original creditor. 

The amount you claim I owe and a full itemization of the debt. 

Proof that you have the legal right to collect this debt, including the chain of assignment or ownership. 

A copy of the original signed contract or agreement bearing my signature. 

Verification that the statute of limitations has not expired for this alleged debt. 

Your license number and the state in which you are licensed to collect debts. 

Until you provide the requested validation, you must cease all collection activity, including reporting or verifying the debt with any credit reporting agency. 

If you have already reported this debt to any credit bureau, please consider this letter a dispute of that information. 

I expect your response within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: PA

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account / company ( XXXXXXXX XXXX  ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I moved out of my address and wanted USAA to stop sending documents to that address. I was transferred to a collection person named XXXX or XXXX. I was told that if I did not pay, they would refuse to update my address, putting my personal identity information at risk. This collection practice is beyond the pale and an apology is not enough.

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 2025-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing a complaint about Citibank that did not send me my retirement money since XXXX XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Citibank retirement acct XXXX In XXXX of XXXX  I called Citibank and even went to local branch and requested my retirement money XXXX to be given to me .surprisingly I found out that the check was send in XX/XX/year> to my old adress on file .I have never received any letters or money to that adress and I people that live in that adress confirmed that nothing came from Citibank in May .the old adress was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
I have called Citibank XXXX many times since XX/XX/XXXX and this issue was escalated so many times and as I was told last time it was escalated to high priority but I still have no resolution .I still do not have my hard earned money and no matter how many times I call I still have no check .every time I cal I get the same response just wait XXXX busines days to get answer .I am very frustrated and stressed that it is taking so long and I have to spend so much time on the phone to try to get my money .Citi bank does not value customers and cares less .If they send the check and it was not cashed bc it did not go to right adress would they check the new adress by SS? Or even check citi credit cards that I have. Please help me to get this issue resolve .Thank you Sincerely 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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Financial  Corporation
State: WI

Complaint narrative:
If you look into my filing I'm not sure of the dates but you can see the mistake I'm referring to with this company Franklin financial they say my account is closed then send me paperwork that have nothing to do with the car in question they say the account is close and truck has been reported repossessed so what are the filing..

Company response to consumer: Untimely response
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Partial Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Debt Validation / Notice of Dispute To Whom It May Concern : I am writing in response to your communication regarding an alleged debt. This letter is a formal notice that I dispute the validity of the alleged debt and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following : 1. The amount of the debt, including an itemized breakdown of all fees, interest, and charges.

2. The name and address of the original creditor.

3. A copy of the original signed contract or agreement showing I am legally responsible for this debt.

4. Proof that you have the legal right to collect this debt, including chain of title or assignment documentation.

5. The date of the alleged default and the date of the last payment.

6. Verification that the statute of limitations has not expired.

7. A complete payment history from the original creditor to the present.

8. If credit reporting is involved, please confirm whether you have furnished or intend to furnish information to consumer reporting agencies.

Until these documents are provided : - Cease all collection activity, including phone calls and letters, as required by law.

- Do not report this debt to any credit reporting agency. If you already have, please consider this a formal request for reinsertion verification and dispute notation under the Fair Credit Reporting Act ( FCRA ).

If you fail to provide proper verification, or if any part of your collection efforts violates the FDCPA or FCRA, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general.

Please send the requested documentation to the address listed above.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: NC

Complaint narrative:
My credit report contains multiple entries that are inaccurate, incomplete, outdated, inconsistent across bureaus, or unverifiable under the Fair Credit Reporting Act ( FCRA ). Furnishers have failed to provide proper documentation proving the accuracy and completeness of these accounts, late payments, inquiries, and personal identifiers. 

Several items contain : Conflicting dates Inconsistent payment histories Status codes that differ between bureaus Missing required validation Incorrect personal information tied to accounts Reporting beyond compliance Failure to provide supporting evidence as required under FCRA 602 ( A ), 607 ( b ), 609 ( a ) ( 1 ) ( A ), 611, and 623 ( a ) ( 1 ) ( A ).

These reporting failures create substantial harm, including inaccurate risk assessment, improper scoring impact, and denial of credit opportunities. The bureaus and furnishers are legally obligated to maintain maximum possible accuracy but have not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: PA

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account 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 non-monetary relief
Consumer complaint received 2025-12-07 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: MD

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX Under 15 USC 1666b , a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and 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 2025-12-07 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: MD

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX Under 15 USC 1666b , a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I formally requested written validation and proof of the alleged debt they are reporting under my name. I specifically requested documentation required by federal law, including the original creditors information, proof of ownership, the original signed agreement, an itemized balance breakdown, and proof that they are legally authorized to collect in my state. 

To date, no such documentation has been provided. Instead, I have been instructed to contact the company separately by phone. This is not reasonable, not compliant with federal consumer protection standards, and is especially concerning since I previously attempted to resolve this directly and received no resolution or assistance at all. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), a furnisher of information is required to conduct a reasonable investigation and provide verification of accuracy when a dispute is made. Under the FDCPA ( 15 U.S.C. 1692g ), a debt collector must cease collection activity until proper validation is provided. This agency has failed to do both. 

Despite the absence of any verified proof, the account continues to be reported on my credit report and collection efforts continue without lawful validation. This constitutes : Failure to properly validate an alleged debt Failure to conduct a reasonable investigation Continued reporting of unverified information Improper collection activity I am requesting that the CFPB require this company to either : Provide full legal validation of the alleged debt, or Immediately delete this account from my credit file This situation has caused unnecessary stress and harm to my financial standing due to reporting without lawful verification. 

Thank you for your assistance in enforcing my consumer protection rights.

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