vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To Whom It May Concern at the CFPB, I am filing this complaint to request a formal investigation into the excessive number of hard credit inquiries placed on my credit reportsparticularly with TransUnionon or around XXXX, XXXX. Up until XX/XX/XXXX These inquiries stem from a single attempt to obtain auto financing through a dealership. 

When reviewing my TransUnion report, I discovered over 95 hard inquiries from dozens of different auto lenders, many duplicated on the exact same day. I did not knowingly authorize this level of inquiry activity. I only applied for financing once and did not give informed consent for each individual lender to access my credit report. 

I contacted all three credit bureausTransUnion, Experian, and Equifaxby phone to dispute these inquiries. My disputes were denied, and I was not given the opportunity to submit documentation or an explanation in writing. There was no clear investigation conducted. 

I also contacted the dealership directly. They claimed I had given authorization, but I only intended to submit one credit application. I was never informed that my personal information would be distributed to dozens of lenders simultaneously. 

Due to the overwhelming number of inquiries and the bureaus refusal to investigate, I took the step of freezing my TransUnion credit file after the dispute in an attempt to prevent further damage. 

This level of inquiry activity, performed without clear authorization, violates my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this situation and compel the credit bureaus to remove these excessive and improperly authorized inquiries from my reports. Lender Name Number of Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your attention to this matter and your efforts to protect consumers from unfair credit reporting practices. 

Sincerely, XXXX XXXX Duplicate Inquiries by Lender ( All Dated Around XX/XX/XXXX ) : through out

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 2025-07-27 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:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-07-27 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: WA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-27 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 do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( owned by Block , Inc. ) regarding an unauthorized transaction that resulted in a negative balance on my Cash App account. 

On XX/XX/year>2025, an unauthorized " Add Cash '' transaction was made from my bank account ( XXXX XXXX XXXX XXXX debit ending in XXXX ) to my Cash App. I did not authorize this transaction. I promptly filed a dispute with my bank, and after a full investigation, the bank ruled in my favor and refunded the amount. 

Despite the banks ruling and reversal of the transaction, Cash App maintains a negative balance on my account and is now automatically applying any funds I receive toward this balance. They are withholding money sent to me by other people without my consent, even though the disputed transaction was confirmed as fraudulent and I was found not liable. 

I have reached out to Cash App support and received the same response repeatedly that they can not challenge my banks decision, but they are still holding me financially responsible for the result of a fraud case I won. 

This feels like Cash App is penalizing me for exercising my rights through my bank, and their continued collection efforts and withholding of my legitimate funds is unacceptable and potentially unlawful.

Resolution Requested : I am requesting Cash App remove the negative balance from my account.

I am requesting that Cash App stop applying incoming payments toward this balance.

I am asking for a formal acknowledgment from Cash App that they recognize the banks dispute ruling in my favor.

If Cash App believes they have a claim regarding this chargeback, they should resolve it with XXXX, not by taking funds from a consumer who was already cleared of liability. Their current behavior feels like they are attempting to recoup losses by punishing a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
This is a complaint about XXXX regarding their recent actions to pressure digital entertainment XXXX XXXXXXXX and XXXX into retiring or delisting tens of thousands of games with XXXX  content or even for simply being tagged as having XXXX XXXX XXXX  themes. The content in these games, despite being legal, is being arbitrarily policed by XXXX at the request of the XXXX XXXX XXXX XXXX XXXX XXXX 's refusal to allow these legal transactions is actively detrimental to consumers and to small business owners alike, and their standards for what constitutes media that is subject to take down is so vague as to be entirely unhelpful.

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 2025-07-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has failed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a checking account with citi bank... later that day my citi bank mobile app was frozen and my acess was blocked! Also my temp debt card that I received in the branch earlier that day was blocked also. The day I opened the checking account I gave the bank teller in person a XXXX $ deposit. I haven't been able to use my balance on my card for days & whenever I call the bank and ask they just say they don't know when my account will no longer be under review! Never told me a legit reason for my account being in review anyway. For me to not have acess to my XXXX $ for days is absurd especially as a new customer! The same day I opened a citi bank account was the same day my online and card was restricted I haven't been able to use my money for days & that has greatly affected my quality of life I've been without food and water because I can't acees my account.

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 2025-07-27 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 ; I don't recognize these lenders or company and haven't contact then neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 ; I don't recognize these lenders or company and haven't contact then neither.

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 2025-07-27 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:
Dear Sir/Madam, I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts : XXXXXXXX XXXX  These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough reinvestigation of the aforementioned accounts. 

Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report. 

ALSO, provide me with the original signed contract with my wet signature. 

I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. 

Please acknowledge receipt of this dispute within 30 days and provide updates on the progress of the investigation. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report that I do not recognize or did not authorize. These inquiries may have been added in error or without my explicit consent. 

First National Bank of Omaha

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 2025-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted on a closed account.... In Texas , the key code sections for addressing inaccurate debt information on your credit report are Texas Finance Code 392.202 and the Fair Credit Reporting Act ( FCRA ). These laws outline the procedures for disputing errors and ensuring that credit reporting agencies and debt collectors investigate and correct inaccurate information. In Texas, the key code sections for addressing inaccurate debt information on my credit report are Texas Finance Code 392.202 and the Fair Credit Reporting Act ( FCRA ). These laws outline the procedures for disputing errors and ensuring that credit reporting agencies and debt.

Collection Practices Act ( FDCPA ) grants me the right to dispute the debt and request verification from the debt collector. This debt is inaccurate, Santander can not recover a debt that has been sold to another company or recover that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
b'I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report.\n\nThe following items do not belong to me and are a result of fraud that I did not authorize:XXXX XXXX XXXX XXXX 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

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 2025-07-27 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:
b'I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report.\n\nThe following items do not belong to me and are a result of fraud that I did not authorize:XXXX XXXX XXXX XXXX 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

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally request the removal of inaccurate personal information listed on my credit report. The only accurate and current address that should be associated with my credit file is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all other addresses that are outdated, incorrect, or were never mine. the only address that is correct is the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The other addresses are either from prior residences or were incorrectly reported, and they are no longer valid. Keeping outdated personal information on my report may lead to confusion, fraud risk, or inaccurate verification by lenders. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting this correction to ensure the accuracy of my personal information. 
Please investigate this matter and send me written confirmation once the removal of these addresses is complete. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXXDate of Birth : XX/XX/year> SSN ( Last XXXX Digits ) : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally request the removal of inaccurate personal information listed on my credit report. The only accurate and current address that should be associated with my credit file is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all other addresses that are outdated, incorrect, or were never mine. the only address that is correct is the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The other addresses are either from prior residences or were incorrectly reported, and they are no longer valid. Keeping outdated personal information on my report may lead to confusion, fraud risk, or inaccurate verification by lenders. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting this correction to ensure the accuracy of my personal information. 
Please investigate this matter and send me written confirmation once the removal of these addresses is complete. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXXDate of Birth : XX/XX/year> SSN ( Last XXXX Digits ) : 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 2025-07-27 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: TN

Complaint narrative:
XXXX XXXX XXXX is report inaccurate information on my credit profile. I'm demanding for immediate investigation and deletion of a false and damaging accounts being report on my credit profile. The entry is erroneous, unverified and a direct violation to the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681 which mandates only 100 % verifiable, and complete information may be reported. The accounts in question is as follows : XXXX XXXXXXXX XXXX Balance : {$1200.00} Also reporting twice same account number with different balance Balance : {$910.00} I have never received proper validation of this debt, nor have I been provided with any documents that support it's accuracy. Unless you can provide conclusive evidence that these accounts are valid, including original signed agreement and a complete payment history I demand these entry be immediately removed from my credit profile

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