vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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 recently reviewed my TransUnion credit report and noticed a hard inquiry from XXXX XXXX XXXX dated XX/XX/2025, which I never authorized. I have never applied for credit with this company, nor did I give them permission to access my credit file. I did not initiate any transaction or application with XXXX XXXX XXXX, and I never signed or submitted anything to them. This inquiry appeared on my report without my knowledge or consent. 

Under the FCRA ( 15 U.S.C. 1681b ), a credit report can only be accessed if the consumer gives permission or starts a credit transaction. I did neither. This unauthorized inquiry is negatively impacting my credit score and creates the false impression that I am actively seeking credit, which I am not. I believe TransUnion may also be in violation of FCRA 1681e ( a ) for allowing this inquiry without verifying that the requester had a permissible purpose.

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 2025-05-21 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: MA

Complaint narrative:
I just reviewed my credit report and noticed some inquiries I dont recognize. Im really anxious because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need.

Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-21 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: NY

Complaint narrative:
15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXX XXXX XXXX on XXXX 15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXXXXXX XXXX on 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 2025-05-21 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 recently reviewed a copy of my credit report and noticed fraudulent accounts. Please remove these accounts as they are harming 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 2025-05-21 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: GA

Complaint narrative:
According to FCRA section 605B, you must remove the fraudulent inquiries.

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 2025-05-21 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: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I am requesting the immediate removal and blocking of unauthorized accounts from my credit report. I did not create or approve these accounts and have no knowledge of their origin. In accordance with USC 1681g, I am formally asking that these accounts be removed within 15 days. Ive enclosed the necessary documentation for your careful review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

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 2025-05-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXXXXXX XXXX Balance : {$85.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$13000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$360.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I was hospitalized in 2023 and during that time fraudulent charges posted on my credit card. When I noticed the charges I disputed them but the bank has refused to acknowledge that I have no relationship with this merchant and they can not justify the charges placed on my card. Despite claiming to investigate and dispute the charges, while they eventually have temporarily credit for XXXX the other one for XXXX remains on the account and is negatively affecting in my credit even though I call or text them about this weekly. 
I have also requested numerous times to close the account and they have refused and instead reopened it and increased the limit to hold the total of the two disputes charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
To Whom It May Concern, My company and I have been a loyal and valued client of American Express for many years. We have actively used and maintained the following credit cards : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX XXXX Our company has a strong track record of financial responsibility. We have never had a late payment history, disputes, bad credit reports, or any instances of credit card misuse. In fact, American Express representativesincluding XXXX XXXX ( XXXX, Field Account Development ) and XXXX XXXX ( XXXX, Field Account Development ) have personally visited our business in the past year and acknowledged our status as a highly valued customer. 
However, on XX/XX/year>, American Express abruptly canceled all of our credit cards without prior warning. Despite this, we remain committed to fulfilling our financial obligations, including an outstanding balance due on XX/XX/year>, which will be paid in full and on time. 
In addition to the cancellation of our accounts, American Express has denied us access to approximately XXXX XXXX rewards points ( equivalent to roughly {$550000.00} USD ), which had been accumulated over years of responsible use. We immediately contacted American Express on XX/XX/XXXX to dispute this issue and request the reinstatement of our reward points, but our request was denied. 
Following this, we sent a formal claim notice on XX/XX/year>, via XXXX. The XXXX tracking system confirms that the notice was delivered on XX/XX/year>, to American Express designated XXXX address : American Express XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX these circumstances, we are formally filing a request for mediation to resolve this dispute. Our demands are as follows : 1. Reinstatement of our credit card accounts, which are essential for our business operations.

2. Restoration of our XXXXXXXX XXXX  rewards points, which were accumulated in good faith and should remain accessible to us. 
We request an expedited review of this claim and expect a fair resolution that reflects the longstanding positive relationship between my company/me and American Express XXXX 
Thank you for your time and consideration. We look forward to a prompt response. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-21 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: IA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
Complaint Title : Inaccurate Reporting and Re-Aging of Charged-Off Account by XXXX Details XXXX I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXXXXXX of an account charged off in XX/XX/XXXX. As of XX/XX/XXXX, this account ( XXXX ) continues to be updated with a new past due status despite no consumer activity since charge-off. This creates the appearance of a more recent delinquency than actually occurred. 

The account shows a conflicting balance of " {$1500.00} written off '' and " {$1600.00} past due. '' I have not received any debt validation, communication, or collection notices since the original charge-off. I also have not received a 1099-C, which should have been issued if the debt had been canceled. I believe this constitutes inaccurate furnishing under 15 USC 1681s-2 and may amount to unlawful re-aging of the debt.

Resolution Requested : Review Woodforests compliance with FCRA Investigate whether this account has been re-aged Require proper validation or correction of the record Respectfully, 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 2025-05-21 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: NC

Complaint narrative:
Complaint Title : Inaccurate Reporting and Re-Aging of Charged-Off Account by XXXX Details XXXX I am submitting this complaint regarding XXXX XXXX XXXX XXXX  reporting of an account charged off in XX/XX/XXXX. As of XX/XX/XXXX, this account ( XXXX ) continues to be updated with a new past due status despite no consumer activity since charge-off. This creates the appearance of a more recent delinquency than actually occurred. 

The account shows a conflicting balance of " {$1500.00} written off '' and " {$1600.00} past due. '' I have not received any debt validation, communication, or collection notices since the original charge-off. I also have not received a XXXX, which should have been issued if the debt had been canceled. I believe this constitutes inaccurate furnishing under 15 USC 1681s-2 and may amount to unlawful re-aging of the debt.

Resolution Requested : Review Woodforests compliance with FCRA Investigate whether this account has been re-aged Require proper validation or correction of the record Respectfully, 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 2025-05-21 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: TX

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: OH

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report.

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
XX/XX/year> : Received call from XXXX XXXX XXXX  that they received an application from " me '' but when they pulled my credit, they saw that I had a fraud alert on my reports. I informed them that this was fraud, so they have since removed the inquiry from my report. I immediately put a XXXX on all XXXX credit reports and signed up with XXXX to have a company searching for fraud. 
XX/XX/year> : XXXX tried to verify my identity XXXX XXXX XXXX XXXX A new account was posted onto all XXXX credit reports for an installment loan from XXXX  XXXX XXXX, which is not my account XX/XX/year> : Notified XXXX  XXXX XXXX that this account is fraud and they are currently researching it XX/XX/year> : Filed a police report in XXXX XXXX ( XXXX, XXXX ) for fraud. Police report complaint number : 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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
My name is XXXX XXXX, My Date of Birth is XX/XX/year>, my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a auto loan from XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # XXXX 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 non-monetary relief