vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
To Whom It May Concern : In a recent review of my credit reports, I noticed several inquiries among the records held by all ( 3 ) of the credit bureaus from CAPITAL ONE that I do not recognize and believe to be fraudulent or not related to a proper/authorized purpose. 

The CAPITAL ONE INQUIRIES in question specifically are as follows : " XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX or XXXX, XXXX : -- - Appears On Reports At : XXXX, XXXX, XXXX " CAP ONE NA '' - XX/XX/XXXX or XXXX, XXXX : -- - Appears On Reports At : XXXX, XXXX, XXXX There are several other inquiries from Capital One on various dates, however, the others I recognize. Only the inquiries related to the above ( 2 ) transactions are unrecognized. 

I would like the bank to provide proof that the inquiry was for a legitimate/authorized purpose as well as explicit evidence that is was requested by myself. Any documentation that they feel proves this, I would like to be sent to me directly via the CFPB 's complaint handling system for my review. If they are unable to prove that these inquiries were in fact for a legitimate business purpose and requested by myself, then I would like them removed immediately. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please review these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I sent a letter via certified mail to the company asking for a copy of this account to use in my report the company never responded. This account is a fraudulent account and is in result of Identity Theft. I sent another letter via certified mail along with a copy of my FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-03-28 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

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

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 2025-03-28 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: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an unauthorized transaction on my Cash App account. My phone was stolen, and on XX/XX/year>, an unauthorized party used my account to send themselves {$650.00}. 

I contacted Cash App on XX/XX/year>, and again on XX/XX/XXXX to dispute the transaction and provided proof that my phone was stolen. It has now been a week, and I have yet to receive any update on the status of my dispute or the possibility of recovering my funds. 

I would appreciate your assistance in ensuring that Cash App properly investigates this matter and provides a resolution as soon as possible. Please let me know if any additional information is needed. 

Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
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 2025-03-28 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: CA

Complaint narrative:
I am writing to bring to your attention an issue regarding an unauthorized credit inquiry that has been made under my name. I want to be clear that I never gave consent for this company to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX beyond frustrated that I have to dispute this issue again. These XXXX XXXX ( # XXXX ) and XXXXXXXX XXXX ( # XXXX ) were previously deleted after being found unverifiable and were not showing on my XX/XX/year> XXXX  report. Earlier this month, they were also not appearing on XXXX XXXX. Yet in late XX/XX/year>, I pulled a new IdentityIQ report and saw that both accounts had reappeared under Equifax. I filed a CFPB complaint last month, and Equifax responded on XX/XX/year>, claiming the XXXX BANK ACCOUNT account was deleted. But when I pulled my updated credit report on XX/XX/year>, it was still showingclear proof that no real action was taken. However, when I pulled my updated credit report the very next day, on XX/XX/year>, the account was still showingproving that no real action was taken and the issue remains unresolved. This repeated reappearance after confirmed deletion is not only frustrating, but clearly demonstrates that Equifax is either ( 1 ) re-inserting accounts without proper reinvestigation and verification, or ( 2 ) failing to maintain consistency and accuracy between its direct reports and third-party data transmissions. This is a direct violation of multiple provisions of the FCRA, including 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681i ( a ) ( 6 ) ( B ) ( iii ), and 1681e ( b ). I am demanding permanent deletion of these accounts and assurance they will not be reinserted again without full legal compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: WA

Complaint narrative:
1.Remove the inaccurate account immediately.

2.Provide clear explanation of the verification process.

3. Ensure compliance with the FCRA laws regarding disputes handling. 
4. i have proof that XXXX have deleted these disputes but TransUnion And Experian still reporting inaccurate information and still not providing information on where their method of verification is coming from.

Additionally these accounts was previously removed from my XXXX report after the disputes, yet TransUnion and Experian continue to report it without proper validation .This inconsistency raises concern about TransUnion an Experian compliance with FCRA accuracy standards ( s623 )

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 2025-03-28 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 am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX - Date Opened XX/XX/year>

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 2025-03-28 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: GA

Complaint narrative:
There is a bankruptcy that's not mine on my credit report. I am a victim of identity theft and told them to remove it. And I was informed it was mine but I asked how it was verified I never received a response. Even though I have 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 non-monetary relief
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted compliant XXXX with Consumer Financial Protection Bureau XXXX and with XXXX, Equifax, and XXXX requesting verification that this account belongs to me under, FCRA 15 U.S.C. 1681s-2 ( a ) Responsibilities of Furnishers of Information , it has been more than 30 days, I have not received any documentation at all from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I OPENED A CHECKING ACCOUNT WITH THE XXXX XXXX XXXXXXXX IN XXXX. IT WAS THEN PURCHASED BY XXXX XXXX XXXX  AND THEN BECAME XXXX XXXX. I HAVE NOT LIVED IN XXXX FOR THE LAST XXXX  YEARS ON XX/XX/XXXX. I CONTACTED THE BANK AND TOLD HIM I'D LIKE TO CLOSE THE ACCOUNT AND DRAFTED A CHECK TO MYSELF FOR {$5700.00} AND WAS TOLD TO CONTACT THE BANK AFTER IT CLEARED TO CLOSE THE ACCOUNT. I FOLLOW THOSE INSTRUCTIONS. THE FUNDS WERE THEN DEPOSITED INTO MY XXXX XXXX XXXXXXXX ACCOUNT. AFTER I HAND WROTE A CHECK WITH THE BANK OF XXXX CHECK THAT I RETAIN FROM YEARS AGO BRINGING MY ACCOUNT BALANCE TO XXXX I NOTIFIED THE BANK TO CLOSE THE ACCOUNT. HOWEVER WHEN I GOT BACK FROM VACATION, I FOUND THAT I WAS PUT INTO COLLECTION FOR XXXX {$25.00} BANK FEES FOR AN ACCOUNT WITH A XXXX BALANCE BECAUSE THE BANK HAD NEVER PROPERLY CLOSE THE ACCOUNT. I'VE REACHED OUT TO CUSTOMER SERVICE AND BEEN ON THE PHONE FOR OVER XXXX HOURS. They told me to call collections collections said I don't have a long there's nothing they can do to help me. Customer service said they couldn't do anything to help me. I called the fraud department for M & Tbanking and they said they couldn't help me. This situation is completely unacceptable and M & Tbanking has no divisions within their company to resolve the problem. They told me to go into a local branch, but as I said, I live in XXXX  and there is no local branch here.

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 2025-03-28 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-03-28 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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