vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX XXXX XXXX XXXX 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as fail to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failure alight with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-04-15 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: CA

Complaint narrative:
I was looking at my credit report and saw XXXX fraudulent inquiry 's. 

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

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 2025-04-15 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am filing a formal complaint against the three major credit reporting agencies-Experian, Equifax, and TransUnion-for furnishing and verifying inaccurate information regarding a XXXX XXXX bankruptcy that was voluntarily dismissed. 
The bankruptcy in question was filed on XX/XX/XXXX, and voluntarily dismissed on XX/XX/XXXX, in the XXXX Bankruptcy XXXX for the District of Oregon. Despite the dismissal, this bankruptcy continues to be reported on my credit reports with no verified proof I am the owner in question from the court. 
After submitting disputes, I was informed that the bureaus verified the bankruptcy using third-party data providers such as XXXX and XXXX XXXX XXXX XXXX XXXX However, these entities are not the original source of the record. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681i, all information reported must be accurately and independently verified. The only entity with the legal authority to verify a bankruptcy filing or dismissal is the bankruptcy court itself. 
By relying on data aggregators and not the court, the credit bureaus have violated their obligations under the FCRA. This has resulted in the ongoing inaccurate reporting of a dismissed and mistakenly filed bankruptcy, which is harming my creditworthiness and causing undue financial distress.

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 2025-04-15 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: FL

Complaint narrative:
I never gave permission to add these accounts to my report, I have requested proof of my permission or to remove the accounts and consistently no response : if you dont have my permission to share my information, please remove these accounts ( per 15 U.S.C. 1681b ) : 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 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Marlette Funding, LLC
State: PA

Complaint narrative:
XXXX XXXX is a third party for a XXXX XXXX XXXX XXXX who a renter can use to pay monthly rent to property management/private landlord. Back in XX/XX/year> I was living in a very very dangerous situation and the XXXX XXXX XXXX XXXX XXXX did not address the seriousness and dangerous situation with the tenants upstairs and would not reply to me or my attorney and me and my attorney decided to break my year lease because of neglect and breach of lease. So I contacted XXXX XXXX and told them I would not be able to pay the XXXX remaining rent because of what happened. All is documented with my lawyer and myself. I disputed it with XXXX  and they deleted it from my credit report and so should XXXX  and so should XXXX. Please look into this as a civil suit is filed but I have not been notified nor has my attorney and they are bullying me to pay for something that empire property management should be paying because of what XXXX XXXX XXXX XXXX XXXX did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I noticed a credit inquiry on my report that I dont recognize. I didnt apply with this company and never gave permission for a credit check. This unexpected activity is concerning and has left me with serious questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed a credit inquiry on my report that I dont recognize. I didnt apply with this company and never gave permission for a credit check. This unexpected activity is concerning and has left me with serious questions.

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

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. I did a previous complaint but got no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX + XXXX + XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I purchased a product that was proven to be fake and never was going to receive it. I contacted cashapp to get a refund but the said their is nothing they can do since to purchase had already went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I have submitted a letter to the collection agency. I have mentioned in my letter that I am requesting to opt out from XXXX XXXX personal information. I have requested this collection agency to season and XXXX. They have have not deleted the collection from credit reporting. According to the Grammar Leach Bailey Act states a consumer right for privacy need to be protected but at this point my right for privacy has been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I called to make my payment. The only safe way that they allow me to make it is by debit/credit card, as the other ways put me at risk of account overdraw. The problem is there is a {$5.00} XXXX party fee that comes with using a card. I never agreed to that fee in my contract nor verbally and the other XXXX option put me at risk. While they did wave the fee on my first payment ( XXXX payment ) they said that they will not wave it in the future. I sent them a formal complaint and they responded with another refusal. 

My formal complaint : To Whom It May Concern : I am writing to formally dispute the {$5.00} third-party processing fee you are attempting to charge for my auto loan payment. This fee was not disclosed in the original finance agreement I signed with Westlake Financial, and I did not agree to pay additional third-party charges to fulfill my contractual obligation. 

I have reviewed your alternative payment options, and they either interfere with my ability to manage my budget or carry a risk of overdraft. Your refusal to assume responsibility for any overdraft charges further compounds the risk to me as a consumer. 

I am willing to pay the full amount due under our original agreement. However, I will not accept being forced into paying a fee for a third-party payment processor that I did not agree to. If this matter is not resolved immediately, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Texas Attorney Generals Office. 

Please respond in writing to confirm that you will allow me to make my regular payment without the added fee. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Westlake Financial XXXX XXXX XXXX The ticket you reported under XXXX XXXX XXXX XXXXXXXX has been closed. 

Thank you, Westlake Financial -- -- -- - Message : Hello XXXX, Good day and thank you for reaching us, we apologize for all the inconvenience this may have cause, unfortunately we can not remove the third-party processing fee, but we can offer you our automatic payment system, if you need help, we can assist enrolling you in automatic payments which is free of charge, I will leave the link below XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am outraged by TransUnions blatant disregard for the law and their utter failure to respond to my formal notice from XX/XX/year>. I gave them 15 days to resolve this, and theyve done absolutely nothing. This is beyond unacceptable, and its clear that TransUnion doesnt take their obligations under the Fair Credit Reporting Act ( FCRA ) seriously. 

Heres exactly what theyve done wrong and how theyve failed to act : Failure to properly investigate disputed information ( 15 U.S.C. 1681i ) Ive disputed multiple items, and TransUnion hasnt even bothered to investigate. This is not only irresponsible ; its a direct violation of the law.

Failure to ensure accuracy of reported data ( 15 U.S.C. 1681e ( b ) ) Theyre reporting outright false information, and instead of correcting it, theyre letting it sit there and damage my credit.

Illegal re-aging of accounts ( 15 U.S.C. 1681c ( a ) ) Negative items on my report have been extended beyond the legal reporting limit. This is illegal, and theyve allowed it to continue.

Failure to mark accounts as disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) This is a major violation that misleads potential creditors. The fact that they havent marked these accounts as disputed shows just how little they care about following the law or protecting consumers. 

In my XX/XX/XXXX letter, I gave TransUnion a clear opportunity to avoid a lawsuit by offering a settlement demand of {$18000.00}. That amount reflects not just the damages from these violations, but also the inconvenience and harm caused by their negligence. And what did they do? Nothing. No response. No action. Just complete and utter silence. 

Let me be clear : Im done waiting for them to fix things on their own. TransUnion is actively damaging my credit and causing me significant harm, and theyve shown XXXX effort to make it right. If they think XXXX just going to sit back and accept this, theyre mistaken. 

XXXX filing this complaint because TransUnion refuses to follow the law, and XXXX done giving them a free pass. I want them to immediately fix every inaccuracy on my credit report, explain why theyve ignored my previous attempts to resolve this, and pay the {$18000.00} in damages XXXX owed. 

If TransUnion continues to ignore me, they will be facing a lawsuit in court. This is my final attempt to resolve this without going to litigation. XXXX time is up.

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 2025-04-15 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: PA

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 non-monetary relief