vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding several unauthorized inquiries that have appeared on my credit report. Upon reviewing my credit report XX/XX/XXXX, I identified the following inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I believe these inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to FCRA 604, a permissible purpose is required for any party to access my credit report. I have not granted authorization for these inquiries, nor have I initiated any transactions that would justify them. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure these unauthorized inquiries are removed from my credit report. I am attaching a copy of my credit report highlighting the disputed inquiries for your reference. 

Please keep me informed of the progress and outcome of this complaint. Should you require any further information or documentation, feel free to contact me at your earliest convenience. 

Thank you for your time and assistance.

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 2025-03-27 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: NH

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I was fraudulently charged {$380.00} to my American Express credit card. American Express has repeatedly stated that the charges were legitimate and that I signed for the merchants charges. This is untrue and I am demanding that American Express honor their pledge to offer fraud protection, and fully remove all changes from said merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
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 2025-03-27 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:
Please take immediate action to block and remove the unauthorized accounts from my credit report. I did not initiate these accounts, nor am I aware of their origins. Under USC 1681g, I formally request their removal within 15 days. Enclosed are relevant documents for your reference. Additionally, there are inconsistencies in account details being reported across different credit bureaus.

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 2025-03-27 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: VA

Complaint narrative:
XXXX incorrectly reported a late payment to the credit bureau for myself and my wife on XX/XX/year>. 

They said it was an error but have not updated with the credit bureaus and it still reflects that I missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-03-27 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-03-27 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: OK

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Chase Bank regarding a serious case of credit card fraud that occurred while I was incarcerated, and Chases subsequent refusal to properly resolve the matter. 

Timeline and Background : XX/XX/XXXX XX/XX/XXXX : I was incarcerated during this entire period. Prior to this, I gave my sister, XXXX XXXX, limited permission to use two specific credit cards solely for managing my business in my absence. 

During Incarceration : While I was unable to access my financial accounts, XXXX XXXX and her fianc, XXXX XXXX, used multiple credit cards in my name without authorization. They went far beyond the limited access granted and committed fraudulent activity by linking XXXX personal email to my Chase accounts and using multiple cards I never authorized them to access. 

Late XXXX XXXX XXXX : During the latter half of my incarceration, XXXX and XXXX cut off all communication with me. I had no access to any accounts or visibility into what was being done. I later discovered they had run up over {$110000.00} in credit card charges. 

XX/XX/XXXX : Upon my release, I immediately began investigating my financial records. I discovered numerous unauthorized transactions on Chase accounts. I filed a police report, and the case has since been escalated to a felony-level investigation. 

XXXX XXXX : I submitted the police report to Chase along with : Screenshots showing XXXX XXXX email linked to my accounts Documentation verifying my incarceration A detailed timeline of events Chases Response : Chase initially issued provisional credits but has since reversed them, claiming that because I allowed XXXX to use my business computer, I am liable for the unauthorized activity. This claim is deeply flawed. Providing limited card access and computer use for business purposes does not equate to blanket authorization to open and use multiple lines of credit, nor does it justify the fraudulent actions of a third party ( XXXX XXXX ). 

Despite clear evidence of fraud, an active police investigation, and my lack of any personal gain or involvement during the time these charges were made, Chase is attempting to hold me fully liable. Their position is placing me at risk of losing my home, my rental property, and years of savings due to debts I did not incur or benefit from. 

Request : I am requesting that the CFPB investigate this matter and require Chase to properly process this case as a criminal fraud issue. I should not be held liable for charges made without my consent by individuals abusing my trust and access while I was incarcerated. 

This matter is in regards to my XXXX cards ending in XXXX and XXXX. 

I have had many conversations with Chase over the past month and they will be able to look up my information when you give it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-03-27 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: GA

Complaint narrative:
I am a victim of XXXX and the information listed below on my credit report is a result of that XXXX XXXX  Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify meof the actions taken in response to this request.

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 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I closed my account in XXXX. I requested my bank records on XX/XX/XXXX. I provided them with my social security number and they were unable to provide me with my bank records. They said they couldn't find them. They didn't help me acquire my bank records. Bank records must be kept for seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, I, a 1XXXX XXXX XXXX XXXX, purchased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, MA. During the sale, the dealership informed me that I was exempt from sales tax due to my veteran status. However, they later added the sales tax to the transaction, which led to the unwinding of my loan and triggered a series of issues. 

In XXXX, the dealership forged my signature on two XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX forms : a Duplicate Title Application and an Amend Title/Lienholder Maintenance Application . These forms falsely added XXXX XXXX as a lienholder on my vehicle title without my knowledge or consent. I have possessed the original title since XX/XX/XXXX, meaning the dealership could not have legally used it to file these amendments. Despite this, the XXXX issued a new title on XX/XX/XXXX, reflecting the unauthorized lienholder change. 

The dealership also failed to inform XXXX XXXX of the loan unwind in XXXX. As a result, my account was incorrectly marked as " past-due. '' XXXX XXXX  instructed me to stop making payments until the issue was resolved but did not follow up, leading me to miss three payments. This caused significant damage to my credit score. When I requested a copy of my title from the dealership, they refused to provide it and later claimed the forged amendment forms were in storage, avoiding accountability for their actions. 

On XX/XX/XXXX, I met with the dealership owner and presented evidence of the forgery and misrepresentation, along with a demand letter citing XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The owner denied any wrongdoing despite the clear evidence. 

The dealerships actions violated several laws, including : XXXX ( XXXXXXXX XXXX XXXX  Section 1 ) Failure to deliver a title ( XXXX. XXXX XXXX Section 5 ) Improper title amendment XXXX XXXX XXXX XXXX, XXXX XXXX ) Misrepresentation of sales tax exemption XXXX XXXX XXXX XXXX Section 6 ( u ) ) Unfair and deceptive practices ( XXXX. XXXX XXXX Section 2 ) Potential federal violations under the Federal Trade Commission Act and the Consumer Financial Protection Act. 
As a result of these actions, I suffered : Financial losses of approximately $ XXXX {$5000.00} from missed payments, fees, and related costs. 
Credit damage estimated at {$5000.00} {$10000.00} due to increased interest rates on future loans. 

I have made multiple attempts to resolve this with the dealership, but they have refused to acknowledge or correct their misconduct. 

Consent to Publish : I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. I understand that the CFPB will take steps to remove my personal information from this description, though someone may still be able to identify me. I consent to publishing this description after the CFPB has taken these steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: AZ

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 2025-03-27 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: MI

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been opened in my name and reported to the credit bureausEquifax, Experian and TransUnion. These accounts are appearing as adverse items on my credit reports and are negatively affecting my FICO score. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I submitted formal written requests to each credit bureau along with the required documentation, including : A copy of my government-issued ID A recent utility bill verifying my address An Identity Theft Report filed with the FTC and/or local law enforcement A Sworn Affidavit of Identity Theft A detailed list of the fraudulent accounts Despite fulfilling all legal requirements, the credit reporting agencies have either failed to respond, delayed action, or refused to block the fraudulent accounts within the required 4-business-day window. 

These failures to act in accordance with FCRA requirements have caused me undue stress and financial harm. The fraudulent information remains on my credit reports and continues to negatively impact my credit standing. 

Fraudulent Accounts in Dispute : 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  What I Want the Company to Do : I am requesting the CFPB to take the following actions : Investigate the failure of Equifax , Experian and TransUnion to comply with FCRA Section 605B.

Require Equifax, Experian, and TransUnion to permanently block and remove the fraudulent accounts associated with my identity theft claim. 
Ensure I receive an updated and corrected copy of my credit reports at no cost. 
Instruct the credit bureaus to notify the furnishers of the blocked items, as required by law. 

Company Name ( s ) : Equifax Experian TransUnion Product : Credit reporting Issue : Incorrect information on your report due to identity theft

Company response to consumer: Closed with non-monetary relief