vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

NEGATIVE MARKS/ ACCOUNT NUMBERS : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Attached is my formal dispute, along with the FTC Identity Theft Report ( FTC Report Number : XXXX ) that I recently submitted. I trust this matter will now be addressed thoroughly and resolved in full.

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 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: NC

Complaint narrative:
XXXX'I went to go look at my credit because I want to go buy my XXXX car. I see a collection that I never even heard of before. Some one has stolen my identity. XXXXPlaza Services: XXXXXXXXIt has my credit score really bad.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I 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 XXXX 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 XXXX authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express Platinium client for many years. 

XXXX XXXX offer is added to my account. Spend XXXX within XXXX months to get XXXX credit. Confirmed by client service. 

I meet the requirement after XXXX  month. 

XXXX : i was told I should receive the credit no later than XX/XX/XXXX. 

Nothing received until XX/XX/XXXX. I was told need XXXX weeks to investigate my case. 

XX/XX/XXXX : first was told the offer is not linked with my card. Then changed excuse need XXXX weeks or even longer to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AL

Complaint narrative:
On Wednesday, XX/XX/year> I contacted XXXX support through the app and somehow my call was intercepted by someone not with XXXX but they had access to my XXXX account and all of my banking information with XXXX Cash app and XXXX XXXX. They fraudulently added a loan amount of XXXX of which they withdrew as well as adding {$300.00} from my XXXX XXXX account of which they also withdrew and transferred {$470.00} to my cash app account from my XXXX account of which they also withdrew, they did all of these withdrawals at XXXX time. I contact to cash app support immediately. They gave me no information and just told me that there was no one. I could speak to you on the phone about it and that they would follow up with me via email. Ive tried contacting them again to no avail. They have not emailed me and I want to be reimbursed for those amounts because my accounts were hacked. I have also filed a police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BELMONT FINANCE LLC
State: MS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  PULLED HARD INQUIRIES ON XX/XX/XXXX & XX/XX/XXXX. THIS COMPNAY ONLY HAD CONSENT TO FULL THE INQUIREY ON XX/XX/XXXX. 

I CALLED THE COMPANY ( XXXX XXXX XXXX XXXX ) AND ASKED THEM TO REMOVE THE INQUIREY THAT TOOK PLACE ON XX/XX/XXXX. THEY TOLD ME I HAD TO FILE A DISPUTE WITH THE CREDIT BUREAU & ONCE IT WAS RECIEVED THEY WILL REPLY AND REMOVE. I THEN FILED THE DISPUTE DIRECTLY WITH XXXX XXXX DISPUTE NUMBER XXXX AND XXXX IN WHICH NOTHING WAS DONE AND THE INQUIREY WAS NOT REMOVED. 

I CALLED XXXX ON XX/XX/XXXX TO DISCUSS THE DISPUTE AND WAS ADVISED BY THE XXXX REPRESENTATIVE THEY DO NOT REQUEST SUPPORTING INFORMAITON FROM THE CREDITORS AND THEY HAVE NO WAY TO REMOVE THE INCORRECT INFORMATION WITHOUT THE INDIVIDUAL COMPANY REACHING OUT TO THEM DIRECTLY. 

I ALSO FILED A DISPUTE FOR A LATE PAYMENT ON MY CREDIT REPORT FROM THE COMPANY ( BELMONT FINANCE LLC ). I CALLED THE COMPANY THEY ADVSIED A DISPUTE WOULD NEED TO BE FILED IN ORDER FOR THEM TO REMOVE THE INCORRECT LATE PAYMENT REPORTED. I FILED THE DISPUTE WITH XXXX IN WHICH THE XXXX  REPRESENTATIVE THEY DO NOT REQUEST SUPPORTING INFORMAITON FROM THE CREDITORS AND THEY HAVE NO WAY TO REMOVE THE INCORRECT INFORMATION WITHOUT THE INDIVIDUAL COMPANY REACHING OUT TO THEM DIRECTLY.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was scammed out of XXXX transaction of XXXX and following of XXXX. I payed prorated rent and deposit for new residence. Once I sent the money the contact immediately stopped responding and I was left with no money or services paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AC AutoPay LLC, Denver, CO Branch
State: OH

Complaint narrative:
Autopay.com placed a hard credit inquiry on my credit reports without my authorization. An application was started, but not completed, on their site and they pushed through the completed application XXXX days later without my approval. 

I reached out to them and told them as much and they basically said theres nothing they can do. I want the hard inquiry removed from my credit reports as it was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain maximum possible accuracy of the information included in consumer reports. Inaccurate personal identifiers, such as incorrect names, create misleading and incomplete consumer files, which can cause serious harm. 

Here is the only correct, full legal name, address and employment that should appear on my credit report : XXXX XXXX XXXX Please immediately remove all the following inaccurate, outdated, or incorrect names from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These name variations are not associated with my identity, and their continued presence on my consumer report represents inaccurate reporting in violation of the FCRA.

In addition, pursuant to 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of this dispute and provide written confirmation upon completion, including an updated copy of my full consumer file reflecting these corrections. 
If you are unable to verify the accuracy of any name variation with documented evidence linking it to me directly, you are required under the FCRA to delete the unverifiable information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: PA

Complaint narrative:
What happened is their user and proper use of my credit which is keep reporting to my credit which is taking from my financials as well as putting me in debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I do not recognize this fraudulent account and it is seriously affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Theres a hard inquiry on my credit report that I did not authorize or initiate. This was done online without my knowledge, without my consent, and without any involvement from me whatsoever. Let me be blunt : this is a fraudulent inquiry, and it has no business being on my credit report. I didnt apply for anything, I didnt give anyone permission to pull my credit, and I will not take responsibility for something I had nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX  - Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX, XXXX, XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am writing to formally lodge a complaint against PNC Bank regarding their handling of my checking account, specifically concerning a {$78.00} overdraft. 

On [ Date ], I informed PNC Bank that I would be depositing funds to cover the {$78.00} overdraft on my account to avoid a charge-off. Despite my clear communication and intent to resolve the matter promptly, PNC Bank premeditated and proceeded to charge off my account the next day. 

When I physically arrived at the bank to make the payment of {$78.00}, I was informed that they were unable to accept the funds. I believe this action was not only improper but prejudicial, and deliberately orchestrated to close my account for non-financial reasons. It appears that the charge-off was motivated by a lack of profitability on my account and/or in retaliation for prior complaints I had made against the bank. 

Approximately XXXX months earlier, I had reported fraud and submitted clear evidence to PNC regarding unauthorized activity on my account. Despite providing this documentation, PNC Bank failed to appropriately investigate or even respond to the fraud claims. Only after I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX did PNC respond, at which time they attempted to contact me by phone under questionable circumstances. During that recorded call, it became apparent that the intent was to entrap me into making statements that could undermine my valid claims, rather than genuinely resolve the issue. 

In summary : PNC refused a good-faith attempt to cure the overdraft and instead deliberately charged off the account. 

They ignored fraud evidence for months and only responded after regulatory pressure. 

Their conduct during the recorded call appeared to be manipulative and prejudicial. 

I believe these actions were retaliatory and not in line with fair banking practices. 

Given the facts, I respectfully request : A full investigation into PNC Bank 's conduct regarding the charge-off. 

Reversal of the charge-off and correction of any negative credit reporting. 

A formal explanation as to why my fraud report was mishandled.

Assurance that retaliatory practices are addressed and prevented. 

I am prepared to escalate this matter further to additional regulatory bodies if necessary.

Company response to consumer: Closed with explanation