vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: MA

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. 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 non-monetary relief
Consumer complaint received 2025-08-12 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: MA

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. 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 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 2025-08-12 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 applied for a credit card from XXXX Bank they send me a letter XXXX with inquiries on my transunion report from Tu interactive, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. I don't have any transaction with this entities I called transunion they ferried it so XXXX XXXX lied just to deny me a credit card the same way associate Bank did to be couple of years ago until I proved to them that my credit was good and they tried to blame it on the system or XXXX man like me is not good enough to get a credit card? I please need this issue to be dealt with and XXXX XXXX should give me that credit card because by law a bank shouldn't for any reason deny a customer credit card thank you for your cooperation hope to hear from you soon.

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 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
To Whom It May Concern : This is a formal dispute pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and applicable case law including * XXXX XXXX XXXX XXXX XXXX *, XXXX XXXX XXXX ( XXXX Cir. XXXX ), which requires credit reporting agencies to perform a reasonable investigation of disputed information. I am demanding immediate reinvestigation and removal of the following inaccurate and unverifiable information from my credit file : 1. * * Capital One * * - Account Nos. ending in XXXX and XXXXXXXX XXXX Both accounts show charge-offs and/or late payments that are inaccurate and unverifiable. Reporting duplicate or materially inconsistent information is a violation of FCRA 1681i ( a ) and * XXXX XXXX XXXX, XXXX *, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
2. * * XXXX XXXX XXXX XXXX * * - Account ending in XXXX - Contains late payment history that is inaccurate and must be deleted if not fully verified with original creditor records. 
3. * * Any and All Collections * * - No collector has provided validation in compliance with 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Per * XXXX XXXX XXXX *, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), unverifiable debts must be removed. 
4. * * Late Payment Records * * - All reported delinquencies that can not be substantiated with original payment records must be deleted.

5. * * Hard Inquiries * * - Remove all inquiries not authorized by me in writing, as required by FCRA 1681b. Unauthorized inquiries are a violation as held in * XXXX v. XXXX XXXX *, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
6. * * Personal Information * * - Remove all former addresses and name variations that are not current or accurate, as they are irrelevant to my current creditworthiness and may be causing mixed-file issues. 

Pursuant to * XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX *, XXXX XXXX XXXX ( XXXX. XXXX. XXXX. XXXX, XXXX ), the burden is on you to ensure that all data you report is complete and accurate. If the disputed information can not be verified within 30 days, it must be removed from my credit report. 

Please send me written confirmation of the deletions and an updated copy of my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this follow-up complaint regarding the continued reporting and/or access of my credit file by certain parties without a permissible purpose, as defined under Section 604 ( f ) of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ). This section of the law explicitly prohibits obtaining or using a consumer report without proper authorization or a legally defined permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2025-08-12 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:
On XX/XX/XXXXXXXX XXXX XXXX placed a hard inquiry on my credit file without permissible purpose and through misrepresentation. I was explicitly informed at the time that any review of my credit would be a soft pull only, with no impact to my score. I never knowingly authorized or consented to a hard inquiry, and no account or transaction resulted from it. This inquiry now appears on all three major credit bureaus ( TransUnion, XXXX, XXXX  ). 

On XX/XX/XXXX, XXXX XXXX  placed a hard inquiry during the XXXX XXXX application process. I was told the initial evaluation would be a soft pull for pre-qualification purposes. The hard inquiry was only disclosed after acceptance. This constitutes misrepresentation and obtaining my consumer report under false pretenses. 

Both inquiries violate the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( a ) and 1681q ) and the CFPBs prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ). I submitted written disputes to the credit reporting agencies and to both furnishers, requesting deletion of these inquiries from all credit bureaus. 

To date, the inquiries remain on my credit file. I am requesting CFPB intervention to ensure deletion from all bureaus and compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, Xactus LLC placed a hard inquiry on my credit file without permissible purpose and through misrepresentation. I was explicitly informed at the time that any review of my credit would be a soft pull only, with no impact to my score. I never knowingly authorized or consented to a hard inquiry, and no account or transaction resulted from it. This inquiry now appears on all three major credit bureaus ( XXXX XXXX XXXX ). 

On XX/XX/XXXX, XXXX XXXX  placed a hard inquiry during the XXXX XXXX application process. I was told the initial evaluation would be a soft pull for pre-qualification purposes. The hard inquiry was only disclosed after acceptance. This constitutes misrepresentation and obtaining my consumer report under false pretenses. 

Both inquiries violate the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( a ) and 1681q ) and the CFPBs prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ). I submitted written disputes to the credit reporting agencies and to both furnishers, requesting deletion of these inquiries from all credit bureaus. 

To date, the inquiries remain on my credit file. I am requesting CFPB intervention to ensure deletion from all bureaus and compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed debt collection agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance.

6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt.

Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. 
This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus.

* Do not contact me at my place of employment.

* Do not contact any third parties about this debt.

If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. 
Please respond to this request in writing. I recommend all future communication be done via mail only. 
Sincerely, 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 2025-08-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently obtained a copy of my report and identified one or more accounts that I believe were opened fraudulently and without my authorization.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: MN

Complaint narrative:
My car loan installment from XXXXXXXX XXXX has been removed as well from my report is is an open and good standing loan with 4 years of payment history which is 100 percent paid on time this is another error that is publicly removed to cause harm to me financially as well I have been refused a credit card from all card companies and I have not been approved for any credit at all this is somehow a inside job and theres someone fishing in my credit records illegal to have the ability to remove and then deny all credit cards and fiance this is very suspicious and very discriminatory to keep removing my positive credit cards and score to continue to lower my rates of credit approvals.

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 2025-08-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this follow-up complaint regarding unauthorized items that remain listed on my credit report despite my previous dispute. To date, I have not received adequate validation of the alleged debts, and I have reason to believe that the reported amounts and information are inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that a thorough reinvestigation be conducted. If these debts can not be fully verified with complete documentation, proof of ownership, and evidence of my authorization, I am demanding their immediate removal from my credit fileXXXX 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 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 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This Complaint is answer to prior complaint where I have been wrongfully accused of owing the debt. The Initial Communication was sent to 3rd Party who was not a spouse or Lawyer. The reference complaints numbers are as follows. Harassment techniques were used in the violation of Consumer according to FDCPA Law firm who is DEBT COLLECTOR for citi Bank. Please check attachment for detailed complain. I would like CFPB to take urgent notice of these harassments and letters sent after cease and desist. 

Your complaints XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: VA

Complaint narrative:
I received a call from the fraud department at US bank on XX/XX/XXXX. She said my account has been put on hold because they are investigating fraud on my account. My husband transferred around {$8100.00} into my account to help me seed it. I then successfully transferred {$2500.00} into a different bank account successfully. {$2500.00} is the limit US bank puts on external transfers. After that transfer succeeded I planned another {$2500.00} XXXX  transfer which led to my account being locked. The fraud department at US bank said my husband used my log in to access my account. I told asked her how she knows that, I sometimes use his computer, she replied " we just know. '' I called the number on the back of the card on XX/XX/XXXX. The person I talked to said I can add my husband as an authorized user to my account then the freeze will be lifted/removed. She said I can either go into a bank to do it or they can send us paperwork to fill out. I told her there is no US bank location in Virginia so asked her to send the paperwork. I called again on XX/XX/XXXX to tell them I'm still waiting on paperwork. The person I talked to said I need to close my account then reopen another account because of the freeze on my account. I called again on XX/XX/XXXX, I told her I still haven't received the paperwork. First she said she received it then said it doesn't matter if I fill it out because the hold has to be removed before he can be added. XXXX of the previous people I talked to said I can ask for a check and the funds can be sent to me. I told the last person I would like the funds sent to me, she said they are unable to do that, that I can't access my money. She said I can't do anything with the money until the freeze is lifted. I asked how long that will take and she didnt know. I have not received any letters or paperwork about this and I have not received any calls or updates besides the very first XXXX. I'm afraid my money ( over {$5000.00} ) is locked up and confused in the US bank system and at this point would just like it sent back. To add frustration they have XXXX my ability to monitor my US bank credit card which makes it difficult to monitor usage.

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