vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
Subject : Demand for Immediate Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to dispute unauthorized hard inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 604, a company must have permissible purpose before pulling my credit. I did not authorize the following inquiries, and I demand their immediate removal : 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  Since I did not provide written consent for these inquiries, they are a violation of my rights. If you do not remove these inquiries within XXXX hours, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
I request an immediate investigation and demand written confirmation of the removal. Failure to comply will force me to explore legal action under the FCRA. 
Please respond in writing to confirm the removal of these unauthorized inquiries within XXXX hours. I expect your prompt attention to this matter. 
Sincerely, [ 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-06-22 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: Westlake Services, LLC
State: CA

Complaint narrative:
There is a hard inquiry that I have no k knowledge of

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 2025-06-22 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: GA

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX XXXX Demand FCRA 611 ( a ) ( 7 ) |Dodd-Frank 1033 ( 12 U.S.C. 5533 ) Confirmation # XXXX date XX/XX/year> To Whom It May Concern, On XX/XX/year> I received Equifaxs reinvestigation results under the above confirmation number. The report indicates the following trade-line was verified as belonging to me after my dispute : XXXX XXXX XXXX Acct XXXX XXXX ( Collection {$620.00} ) Under 15 U.S.C. 1681i ( a ) ( 7 ) ( FCRA ) I hereby request a detailed Method of Verification ( MOV ) for this item. In addition, the XXXX XXXX XXXX XXXX XXXX grants me access to all data Equifax possesses about me that was relied upon to furnish or verify this account. 

Please provide, within 15 days of receipt, the following : Identity of every person, company, or system contacted in the reinvestigation, including name, address, telephone number, and date of contact. 


Complete copies of all documents, electronic images, Metro 2 data files, XXXX responses, screenshots, or audio files Equifax received XXXX XXXX ( XXXX any intermediary ). 


Narrative description of the procedures used to determine accuracy and completeness, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 


Full itemization of the Amount Past Due and Balance fields reported, including any calculations or business rules applied. 


An explanation for why a Past-Due Amount continues to report on a collection account ( contrary to the Metro 2 Credit Reporting ResourcXXXX Guide XXXX and why the monthly status grid shows code G rather than the industry-standard L or a blank grid for collections. 


Any contracts, billing statements, charge-off statements, or purchase agreements relied upon to verify ownership, amount, or delinquency dates. 


Preservation of Rights If Equifax is unable to supply the above documentation in full, please delete the XXXX XXXX XXXX XXXX from my credit file per FCRA 611 ( a ) ( 5 ) ( A ) and provide an updated report. 

Failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau and further action to protect my rights under federal and state law. 
Thank you for your prompt attention. I expect a written response within the timeframes set by the FCRA and Equifaxs own policies. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because there is a hard inquiry on my credit report made by XXXX XXXX XXXX on the date of XX/XX/year>XXXX  which I did not authorize and did not apply for credit with them I have contacted the company directly and disputed the inquiry with the credit bureau Experian, but I have not received any results under the fair credit report act credit inquiries must be authorized since I did not provide consent. This inquiry was made without my permissible purpose, it should be removed.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/year> IQ Data International, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX RE : Cease and XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, This letter is to inform you that I am formally requesting that you cease all communication with me regarding the alleged debt identified by account number XXXX, under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ). 

In addition, I have recently reviewed my credit report and discovered that IQ Data International is reporting this account. I am disputing the accuracy and validity of this information and, under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I request that you provide full validation of this alleged debt, including : The name and address of the original creditor, The full amount of the alleged debt, including itemization of any fees or interest, A copy of any contract or documentation bearing my signature or clearly connecting me to this debt. 

Until and unless you provide proper validation, you are required to cease reporting this account to any credit reporting agencies. If the account is currently being reported, you must immediately remove it until the matter is resolved. 

Continued collection activity, communication, or credit reporting without proper validation will constitute a violation of both the FDCPA and FCRA, and I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX  XXXX XXXX, and pursue all legal remedies available. 

This letter serves as your formal notice. Please provide all requested information and confirm cessation of collection activity and reporting until proper validation is completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
On XX/XX/year> I attempted to access my online bank only to find I could not log in. I called for technical support only to be told the bank had frozen my accounts. After talking with three different representatives I learned that a check was direct deposited into one of my accounts. From that moment on an inquisition ensued. I couldn't answer their questions at first because I did not see that the deposit had entered my account.I could not access my data. I was in the dark. Ultimately after checking with a few people who owed me money, and clarifying a few ideas I had about where it could have come from, I told them to return the check. I didn't want to have anything to do with it. They did, and they received their funds. But the questioning was only worse. They ended up closing my two accounts after I had been a customer of theirs for over 40 years. The loss of my husband 4 hears ago and health problems in low balances but I did not have many overdrafts, which ended up being reversed. I received no written notice or written reason for the closure. Then when trying to find a new bank I was notified by the new bank I would not get an account due to a security company, XXXX, having put my name on a list as a bad risk and possible scam/fraud. I feel judged, tried and convicted and at no point was I ever allowed to present my side of the story. The financial jam has still not unsnarled. Their action left me with {$17.00} to live on for six weeks. It took me over 50 days to receive the cashiers check. In addition they said I requested to close my account, which I DID NOT. I had two checking accounts there and I wanted the compromised account closed and a new account opened to replace it. Until this event, I have had XXXX complaints about this bank or its personnel. However this individual handling my " case '' is clearly an exception. I did NOTHING wrong or illegal. And find since that someone has be using my identity. I have taken care of most of that, but the experience with this bank left me very vulnerable. And with little or no recourse. The financially and emotional strain has been unyielding and each time I try to do something financial online now I am shut down cold because of that report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I tried to stop at least the last payment that I paid to the scam that I previously put a claim for. The said they couldnt stop the payment because it was done through XXXX, said I would have to ask them for a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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:
I applied for a car loan with XXXX of XXXX and XXXX XXXX XXXX. I wanted to trade in my current vehicle ( that I purchased at the sister property, XXXX XXXX ). I was told that I would have to choose a newer vehicle with less miles in order to get the bank to finance both vehicle, so I did. The sales representative got me away from the dealership and then I received a call stating that the application was denied due to my credit score. 

The letter was received and stated other items. I'm attaching the letter received from as well as the letter I sent to XXXX. 

Based on the items that stated in the letter from XXXX, I truly believe the deciding factor is the XXXXXXXX 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 2025-06-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Oliphant United, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX, Tn. Interest going up on a closed account. I started having problems with my bills in XXXX. I had serious health problems so now I'm XXXX. All my account where used for medical purpose. I had no insurance.I had several bills that would secure me if I wasn't able to work I bills would be paid off. All my bills were medical purposes. XXXX Reference number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX these XXXX  accounts has XXXX XXXX. And also XXXX XXXX, XXXX XXXX XXXX XXXX XXXX these XXXX  has XXXX  account. All of these medical purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed on XXXX XXXX while trying to sell 3 tickets for {$370.00} through a group that facilitates ticket sales. I contacted an account claiming to be a group admin ( XXXX XXXXXXXX XXXX XXXXXXXX on XXXX ) and they told me I needed to pay a series of fees to complete the sale : a {$150.00} caution fee, a {$150.00} admin/authorization fee, and a {$200.00} insurance fee all paid via XXXX to 3 different users ( XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). 

After sending the payments, the admin arranged a deal with a buyer and added us to a group chat. However, the buyer account appeared suspicious it used the name and photo of a public figure ( XXXX XXXX ) and looked like a duplicate account, which made me doubt the legitimacy of the transaction. 

Then I was told to send an additional {$25.00} to complete the process. At that point, I became uncomfortable and decided to back out. I asked for a refund of the {$500.00} I had already sent. Instead, I was told I would not receive anything unless I sent the {$25.00} a clear example of extortion and fraud. 

I also informed them that my daily XXXX limit was {$500.00}, at which point they began pressuring me to send the {$25.00} through XXXX, which I refused. After I declined and asked for my money back again, I was ignored by the user. I have since reported all users involved and the whole group. 

I immediately contacted Wells Fargo and filed fraud claims for all XXXX transactions involved. I also took screenshots of the full exchange, including : Fee demands Fake buyer interaction Threats of withholding funds Pressure to use crypto when XXXX was no longer available I authorized the XXXX transactions only because I was misled and coerced under false pretenses. I was induced to send money by someone impersonating a legitimate admin and manipulating me with fabricated rules and refund threats. This qualifies as fraud by deception, and the payments should not be considered valid consent under Regulation E.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-06-22 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: TX

Complaint narrative:
RE : Demand for Immediate Removal of Inaccurate Account Account Number : XXXX Original Creditor : XXXX XXXX XXXX To Whom It May Concern, This letter is a formal demand for the immediate removal of the above-referenced account from all consumer credit reporting agencies. It has been well over XXXX days since I initially disputed this debt and requested validation. Despite this, XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide any legally sufficient documentation proving that I owe this debt or that XXXX holds valid ownership of this account. 

Specifically, you have failed to provide : A forward flow or purchase agreement showing lawful transfer of this debt ( XXXX XXXX. XXXX ) ; Proof of chain of title confirming XXXX XXXXXXXX XXXX legal right to collect ( XXXX XXXX. XXXX ( b ) ) ; The original signed credit agreement obligating me to this debt ( XXXX XXXX. XXXX ( b ) ) ; Any valid validation required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. 

Your continued reporting of this account as open and active is inaccurate and misleading, violating the XXXX XXXX XXXX Acts requirements for maximum accuracy ( XXXX XXXX. XXXX, XXXX ). Your refusal or inability to validate this debt within a reasonable time framenow exceeding XXXX daysmandates the immediate cessation of collection activities and removal of all negative information related to this account from my credit reports ( XXXX XXXX. XXXX, XXXX ). 

The vague and insufficient responses I continue to receive claiming information is insufficient do not meet your legal obligation to provide proper verification. This practice is abusive and violates my consumer rights. 

I demand that you remove this account from all credit reporting agencies immediately. Failure to do so will leave me no choice but to pursue all available legal remedies, including reporting violations to the Federal Trade Commission, state XXXX XXXX, and potential private legal action. 

Please confirm in writing within XXXX  days that this account has been removed. 

Sincerely, 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 2025-06-22 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: TX

Complaint narrative:
RE : Demand for Immediate Removal of Inaccurate Account Account Number : XXXX Original Creditor : XXXX XXXX XXXX To Whom It May Concern, This letter is a formal demand for the immediate removal of the above-referenced account from all consumer credit reporting agencies. It has been well over XXXX  days since I initially disputed this debt and requested validation. Despite this, XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide any legally sufficient documentation proving that I owe this debt or that XXXX holds valid ownership of this account. 

Specifically, you have failed to provide : A forward flow or purchase agreement showing lawful transfer of this debt ( XXXX XXXX. XXXX ) ; Proof of chain of title confirming XXXX XXXXXXXX XXXX legal right to collect ( XXXX XXXX. XXXX ( b ) ) ; The original signed credit agreement obligating me to this debt ( XXXX XXXX. XXXX ( b ) ) ; Any valid validation required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. 

Your continued reporting of this account as open and active is inaccurate and misleading, violating the XXXX XXXX XXXX Acts requirements for maximum accuracy ( XXXX XXXX. XXXX, XXXX ). Your refusal or inability to validate this debt within a reasonable time framenow exceeding XXXX daysmandates the immediate cessation of collection activities and removal of all negative information related to this account from my credit reports ( XXXX XXXX. XXXX, XXXX ). 

The vague and insufficient responses I continue to receive claiming information is insufficient do not meet your legal obligation to provide proper verification. This practice is abusive and violates my consumer rights. 

I demand that you remove this account from all credit reporting agencies immediately. Failure to do so will leave me no choice but to pursue all available legal remedies, including reporting violations to the Federal Trade Commission, state XXXX XXXX, and potential private legal action. 

Please confirm in writing within XXXX days that this account has been removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I am being charged by XXXX  for four weight tickets, but only two were ever performed. I was charged {$59.00} each, totaling {$230.00}, but only received weight tickets for XX/XX/XXXX and XX/XX/XXXX. There are no records or proof of the two alleged XXXX charges ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX  ' own website confirms this. The driver and the shipment center in XXXX also confirmed no weight tickets were performed in XXXX. 

I have emailed XXXX  and their collection agency, Caine & Weiner, multiple times ( including on XX/XX/year>XXXX  ; XX/XX/XXXX ; XX/XX/XXXX; and XX/XX/XXXX ), with all relevant documentation, and received no helpful responseonly the same generic invoice that does not address the dispute. 

The collections agency has not acknowledged my concerns and is still pursuing the full amount. I am requesting that the two invalid XXXX charges be removed and the balance adjusted to reflect only the two legitimate weight tickets I received. 

Attachments include : Screenshots of all four credit card charges The two valid weight tickets ( XXXX and XXXX ) Email history with XXXX and Caine & Weiner Order confirmations showing the charges were all for weight tickets The total of {$110.00} in dispute reflects two weight tickets ( {$59.00} each ) that were never performed or documented. In summary, Caine & Weiner is trying to collect a debt for services not rendered.

Company response to consumer: Closed with explanation