vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
On XX/XX/year>, Experian added an inquiry from Advantage Plus to my credit report. I never applied with Advantage Plus, nor did I give them permission to access my credit. The only mortgage application I submitted was with XXXX, and they did not have authorization to shop my information to Advantage Plus. 

This inquiry was made without permissible purpose under the Fair Credit Reporting Act ( FCRA ). I contacted the creditor to verify, and they confirmed I did not apply with them directly. 

I am requesting Experian to : Remove the Advantage Plus inquiry immediately, since it was placed without my consent or permissible purpose. 

Provide documentation of authorization if Experian believes the inquiry was valid. 

This inquiry is negatively impacting my credit profile and future ability to obtain financing.

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 2025-08-26 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: NY

Complaint narrative:
I have a very common name and my addresses are being mixed along with the names being used.

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 2025-08-26 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: GA

Complaint narrative:
I am writing to formally dispute the following XXXX hard inquiries that appear on my credit report. Based on my records, I have not authorized these specific inquiries with a wet ( physical ) signature, which is required by law for the purpose for which these inquiries were made. 

The inquiries in question are from the following creditors : XXXX FCU Regions Mortgage I have a reasonable belief that these inquiries were obtained without my proper authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681q, it is a criminal offense to obtain a consumer report under false pretenses. The lack of my wet signature constitutes an improper and unauthorized inquiry. 

Pursuant to the Fair Credit Reporting Act, I am requesting that you immediately investigate these inquiries. As part of your investigation, you must validate that you have a signed document with my wet signature authorizing each of these inquiries. If you can not provide a copy of a signed document with my wet signature for each of the XXXX inquiries, you are required by law to remove them from my credit file immediately. 

Failure to provide the requested validation with my wet signature and to remove these unauthorized inquiries will be considered a further violation of the FCRA, and I will be prepared to take further legal action to enforce my 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
Consumer complaint received 2025-08-26 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
On Sunday XX/XX/year> Cash app allowed a merchant by the name of XXXX XXXX XXXX XXXX XXXX ) a XXXX restaurant in XXXX Illinois to charge my card the listed below amounts : Sunday XX/XX/year> {$170.00} @ XXXX {$68.00} @ XXXX I did not make these transactions or authorize anyone else to, or shared my card or PIN number with anyone as I live alone in XXXX NC XXXX XXXX Cash XXXX blocked card and was told nothing could be done until pending transactions went through XXXX the transactions went through and I called back to dispute and awaiting new card to be issued On Tuesday XX/XX/year> this same company tried again to take {$50.00} and I dont even have access to the card, I was told by cash app that it was XXXX Pay transactions and my card was not linked with Apple Pay but told by XXXX XXXX to contact XXXX Pay which I XXXX spoke to XXXX and he could not find any XXXX these transactions and stated it my be electronic fraud and my card was probably copied electronically by a scammer at the last place I used the card which was on Sunday at XXXX XXXX in the XXXX of {$40.00} XXXX @ XXXX pm XXXX Wednesday XX/XX/year> On Monday XX/XX/year> the same XXXX named above tried again to use my current card that I dont have access to for XXXX @ XXXX but was declined because card is locked I asked how is this happening? If I dont even have the new card!! Please help me as I have spent all afternoon trying to communicate my frustrations with Cash app and keep getting the run around and hung up on multiple times I asked each time to speak to a XXXX and kept being told XXXX is only online and when I finally got an email today it was not allowing or accepting my responses and then got automated message saying this issue is Closed. 
Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-26 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a XXXX '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$510.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account Number : XXXX ( last XXXX digits ) Prior CFPB Complaint : XX/XX/2025, Case # XXXX ( response XX/XX/2025 ) Capital One Letter : XX/XX/2025 Complaint / Dispute : I filed an identity theft/fraud dispute with Capital One regarding the above account and submitted a CFPB complaint on XX/XX/2025 ( CFPB Case # XXXX ). Capital One responded on XX/XX/2025, but failed to fully address my dispute. 

On XX/XX/2025, Capital One sent a letter stating they found no signs of fraud and instructed me to contact a third party now allegedly handling my account. Importantly, they did not disclose the identity or contact information of this third party. 

This demonstrates a pattern of repeated violations : 1. FCRA 605B violation : Capital One refused to block the account after I submitted proof of identity theft/fraud.

2. FDCPA 809 violation risk : If the account was sold or assigned, I have not received proper notice or opportunity to dispute before any reporting or collection, as required by law.

3. Texas law violations : Continued misrepresentation and obstruction of dispute rights violates XXXX XXXX XXXX XXXX and DTPA XXXX ( b ) ( XXXX ). 
XXXX. Obstruction of dispute : Capital One is effectively preventing me from exercising my legal rights by refusing to identify the third party.

Requested Resolution : 1. Provide the full legal name, mailing address, and phone number of any third party now handling this account.

2. Confirm that my identity theft/fraud dispute is properly recorded and that the account is blocked from all credit reporting until fully validated.

3. Correct all reporting under FCRA, FDCPA, and Texas law, ensuring no adverse reporting occurs while this dispute is unresolved.

4. Provide documentation of all investigative steps taken regarding my fraud dispute.

5. Review Capital Ones repeated failures to comply with federal and state laws, and enforce compliance to prevent further violations. 
This submission is intended to establish a clear, documented record of Capital Ones failure to comply with federal and state regulations and to protect my rights under FCRA, FDCPA, and Texas law. 

Thank you for your attention and enforcement. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Account XXXXXXXX XXXX Amount : {$1200.00} * Date of Account : XX/XX/2023 I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section XXXX09 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX Date : ____________________ To : [ Creditor or Collection Agency Name ] [ Creditor/Agency Address ] [ City, State, XXXX Code ] Subject : Cease and Desist Reporting of Negative Account Information Re : Account with [ Creditor/Agency Name ] Account Number : ____________________ Dear Sir or Madam, I am formally requesting that you cease and desist all collection activities and stop reporting inaccurate or unverifiable negative information regarding the above-referenced account to Experian, TransUnion, Equifax, or any XXXX credit XXXX agency. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or unverifiable information and to request that you immediately stop further damaging my credit profile. 
The information you are reporting is disputed and is causing harm to my credit standing. You are hereby notified to : 1. Cease all communication with me, except as permitted by law.

2. Cease reporting or remove the disputed account from any and all consumer reporting agencies until such time as you can provide complete validation of the alleged debt.

3. Provide written confirmation within 30 days of your compliance with this request.

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also consider pursuing legal remedies for continued violations. 
This letter serves as my official notice of dispute and demand for immediate compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: HI

Complaint narrative:
CAINE amp WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE amp WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation