vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: IA

Complaint narrative:
I am writing to formally file a complaint regarding an unauthorized inquiry made by [ Creditor Name ] on my consumer credit report. I did not provide consent for [ Creditor Name ] to access my credit information, nor do I believe there was any lawful or permissible reason for this inquiry to be made under applicable law. 

Details of the Violation : Date of Unauthorized Inquiry : [ XX/XX/XXXX, XX/XX/XXXX, ] Consumer Reporting Agency ( CRA ) : [ Equifax ] By accessing my consumer credit report on the date referenced above without a permissible purpose, [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ] has violated the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). 
Legal References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D. XXXX. XXXX ) Statutes Violated : o 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ) ( FCRA violation for unauthorized inquiry ) o 18 U.S.C. 1028A ( Aggravated Identity Theft ) o 15 U.S.C. 1681n ( a ) ( False Pretenses and FCRA violations ) I have not entered into any transaction with [ Creditor Name ], nor do I have an account with [ Creditor Name ] as defined under 15 U.S.C. 1693a ( 2 ). Therefore, there was no lawful basis for this inquiry. 
Impact and Damages : Due to this unlawful action, I have experienced significant harm, including the denial of credit and the inability to obtain credit line increases. Additionally, this unauthorized access to my personal information has resulted in reputational, emotional, physical, and financial distress. 
Remedies Sought : ( OPTIONAL ) 1. Deletion of the Unauthorized Inquiry : I request that you remove the unauthorized inquiry placed on my credit report with [ CRA name ] on [ Insert date of inquiry here ].

2. Settlement of Damages : In accordance with 15 U.S.C. 1681n, I am seeking compensation for the damages I have incurred as a result of this violation. I am willing to settle this matter for {$1000.00}. Should you fail to remit payment of this amount within 30 days from the receipt of this letter, I reserve the right to pursue further legal action to recover actual damages, which may exceed the aforementioned settlement offer.

Request for Certification : Please provide a certification indicating the lawful purpose for the inquiry that was sent to the consumer reporting agencies, as required under FCRA Section 604 ( f ). 
Additional References : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 12 CFR Part 1022, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports. 
Contact Information : Please direct any communications or payments regarding this matter to the following : [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, Iowa, XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX ] Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information with which I am not familiar. 

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national database, and a validation of debt letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received credit report alert on XX/XX/year> that there was an hard inquiry from Capital One to open a new credit card under my name on XX/XX/year>. I never applied for capital one credit card, savings or checking account. Therefore I am filing this fraud report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has continued to report inaccurate information in my credit file and improperly used my credit file in unfair and deceptive trade practices. 

See attached complaint and information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: CT

Complaint narrative:
So i had bought the prepaid XXXX on Thu XX/XX/2025, i saved it for a few days planning to most likely use it today for something! I registered it on XXXX XXXX XXXXXXXX, now as it was a mastercard prepaid i also bought before, i went to the site they used to use, and also is still on the back of the card! unknowingly that they changed the site, after a hour or so i figured it out and went to the correct site, which is XXXX XXXX XXXX As i went to use it today the site i went to purchase from had said i had insufficient funds, and sure enough i check the balance and it says XXXX and it was charged yesterday Sat XX/XX/2025, for a site called XXXX, all XXXX dollars were spent on that site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: LA

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: MI

Complaint narrative:
A late payment was incorrectly reported on my credit file by XXXX XXXX for [ Month/Year ]. This reporting violates the Truth in Lending Act ( 15 U.S.C. 1666b ), which requires that billing statements provide a minimum 21-day grace period before a payment can be marked late. I believe this statutory requirement was not honored.

I disputed the late payment with the credit bureaus ( Equifax, Experian, and TransUnion ) and requested full documentation verifying the validity of the late mark, including billing statements, internal investigation records, and proof of compliance with federal law. To date, I have not received proper verification.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ), credit reporting agencies and data furnishers must report only accurate, verifiable information. Since the required documentation was not provided and the item can not be legally verified, I am demanding deletion of this derogatory entry from all consumer credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: LA

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 XXXX 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 explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was out the the country, debit card was with me the whole time, My Wells Fargo Bank, Debit card was unauthorized used and have multiple and many disputed transactions on the same day at the same location at the XXXX XXXX XXXX  XXXX # XXXX, in XXXX, XXXX, XXXX XXXX. I live in different state. Fraud activity occurred on XX/XX/XXXX. The amount as follows : {$140.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$3.00}, {$150.00}, {$150.00}, {$27.00}. I notified the WellFargo bank twice, Internal fraud complaint was made XX/XX/XXXX, I escalated the concern on XXXX XXXX, XXXX and again on XX/XX/XXXX with no success.The Wells Fargo bank replied with acknowleding email, they will respond back in with response, never did. Very poor customer service. I also spoke to store XXXX, he didn't not call back or send fraud transaction history for that entire day.

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 monetary relief
Consumer complaint received 2025-05-11 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: TX

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 XXXX 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 2025-05-11 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block 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, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
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, NY XXXX XX/XX/year> LVNV Funding LLC/ Resurgent Capital Services General Disputes/Correspondence XXXX XXXX XXXX XXXX XXXX SC XXXX Account XXXX XXXX Account # XXXX To Whom it may concern This letter serves as a formal follow up to my previous complaint on XX/XX/year>, regarding the account you claimed is owed. As per the most recent correspondence I have received from your office, I have reviewed the license ID number you provided ( XXXXNew Your City Department of Consumer Affairs ). After verification, I found that LVNV Funding LLC/Resurgent Capital Services is not authorized to collect on this debt in this jurisdiction. 

Attached are copies of the documentation supporting my claim, including a copy of your license ID verification. I request that you cease all collection activities on this account immediately, as you are not authorized to collect this debt. 

Under 15 U.S.C 1692e of the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to falsely represent their legal ability to collect a debt. 
Additionally,15 U S.C1692g mandates that a debt collector provide proper validation of a debt which must include proof of authorization to collect. 

If LVNV Funding LLC/Resurgent Capital Services continues collection efforts without providing proper validation or proof of authorization, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) and my state attorney general s office. 

Please confirm in writing that you have ceased all collection activities related to this debt and that any related reporting to consumer credit bureaus has been corrected or removed. 

Attachments- 1.Proof of LVNV Funding LLC/Resurgent Capital Services License Id number 2. XXXX listing for any regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
I did not apply for these accounts. I did not open these accounts. I dispute the validity of both accounts from XXXX. Im attaching documents. 



Upon receiving a dispute from a CRA, the furnisher must conduct a reasonable investigation into the disputed information ; " review all relevant information provided by the [ CRA ] '' in connection with the dispute ; and " report the results of the investigation to the [ CRA ].... '' [ 6 ] The furnisher must either verify the information as accurate, or if the investigation reveals that the disputed information is " inaccurate or incomplete or can not be verified, '' the furnisher must promptly modify, delete, or " permanently block the reporting of '' the information to the CRA. [ 7 ] An investigation of the disputed information " requires some degree of careful inquiry by furnishers of information. '' [ 8 ] Importantly, however, what constitutes a reasonable investigation of an identity theft dispute " will vary depending on the circumstances of the case '' and " in part on the status of the furnisheras an original creditor, a collection agency collecting on behalf of the original creditor, a debt buyer, or a down-the-line buyer-and on the quality of documentation available to the furnisher. '' [ 9 ] The closer the furnisher is to the original transaction, the more information the furnisher is expected to possess or be able to access to investigate the dispute. Merely reviewing an internal data file is not sufficient. [ 10 ] If the account level documents are no longer available due to a document retention policy, the Fourth Circuit has held that the furnisher, as the originator of the account, should have " at least informed the credit reporting agencies that [ it ] could not conclusively verify '' the disputed 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 2025-05-11 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$33000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-05-11 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I did not consent for Sychrony Care Credit to view and obtain a copy of my credit 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 2025-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Dear PayPal Customer Support, I am writing to clarify a recent situation involving a purchase and subsequent refund from XXXX XXXX, as well as a dispute I filed through my bank. 
Transaction ID XXXX * * Summary of the Situation : * * Transaction ID XXXX - On XX/XX/year>, I made a purchase from XXXX XXXX in the amount of * * {$640.00} USD. 
- On XX/XX/year>, XXXX refunded me {$52.00} USD * * for an item that was unavailable. 
- After this partial refund, the remaining charge on my account for this transaction was {$590.00} USD * *. 
- I later disputed only the {$590.00} USD ( the remaining amount after the partial refund ) because of unresolved issues with the transaction. 
- Recently, I was informed that PayPal claimed I received duplicate refunds and as a result, PayPal debited {$52.00} USD * * from my account.

* * Clarification : * * I would like to clarify that I * * did not dispute the {$52.00} USD * * that XXXX had already refunded to me. My dispute was solely for the remaining {$590.00} USD. I only received a total of {$640.00} USD in refunds ( {$52.00} from XXXX and {$590.00} from the PayPal dispute ), which matches the original transaction amount. I did * * not * * receive any duplicate refund for the same item or amount.

* * Request : * * Please review the transaction and refund history for this case. I believe the deduction of {$52.00} USD from my account was made in error, as I have not received any duplicate refund. I kindly request that the {$52.00} USD be credited back to my PayPal account and that my account be updated to reflect the correct refund status.

If needed, I am happy to provide screenshots or documentation of my transaction history to support my case.

Thank you for your attention to this matter. Please let me know if you require any further information.

Company response to consumer: Closed with monetary relief