vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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 am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX  XXXX XXXX XXXX XX/XX/year>, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX  XXXX XXXX XXXX XX/XX/year>, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely,

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 2025-04-01 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:
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Experian, I have reviewed my report recently. There were names and addresses on it that are incorrect spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATIONTHATIS NOTTHEFOLLOWING : XXXX. XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX : SS # : XXXX XXXX. MYONLYANDCORRECTDATEOFBIRTH : Date of XXXX : -- - XXXX XXXX. XXXX : XXXX I DONOTWISHTOHAVEMYPHONENUMBERLISTEDONMYREPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 
Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX To : XXXX DEPARTMENT XXXX XXXX Subject : Formal Demand for Cease Reporting, Investigation, and Immediate Removal of Inaccurate Collection Account To Whom It May Concern, This letter serves as a formal complaint and legal demand regarding an account your agency is reporting to the credit bureaus under the name XXXX, which is negatively impacting my credit profile and hindering my ability to obtain credit and secure stable housing for my family. This action is causing substantial and ongoing harm. 

I am demanding that you immediately cease all reporting activity related to this account and provide full validation and documentation, as required by law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, you are required to notify consumers in writing within five days of placing a debt for collection. I have never received any such notification from your agency. Furthermore, I never acknowledged, agreed to, or assumed liability for this debt, and your continued reporting without my knowledge or consent is a violation of both FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Your actions also violate 15 U.S. Code 1692e ( 8 ) by communicating false or misleading information to credit reporting agencies, especially without first verifying the accuracy and legitimacy of the debt. 

Case Law Reference : In Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ), the court reaffirmed that failure to provide proper notification and reporting unverifiable debt is a violation of the FDCPA. 

You are now on notice that if this negative item is not removed from all consumer reporting agencies immediately, I will file an official XXXX complaint, report this matter to the Consumer Financial Protection Bureau ( CFPB ), and take legal action for damages under FCRA Sections 616 and 617, as well as FDCPA.

I request the following : 1.Immediate cessation of all reporting activity to credit bureaus. 
XXXX validation of the debt, including the original contract bearing my signature and any transaction history. 
XXXX confirmation of deletion from all consumer reports. 
XXXX that you will not reinsert or resell this account in any form. 

You have 15 days from the date of this letter to respond. Failure to comply will result in escalation through legal and regulatory channels. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate action to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Errors in billing and reporting by the bank have caused significant harm to my credit. Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), creditors are legally obligated to ensure payments and credits are accurately reflected. However, I have identified multiple issues, including payments I made that were not properly recorded and clear calculation errors in the reported amounts. Additionally, I was not given the mandatory XXXX-day notice before my payment due date, which renders any late payment marks invalid. These violations of federal law have unfairly damaged my credit standing.

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 2025-03-31 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:
Incorrect address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Hard Inquiries that I don't recognize are XXXX. XXXX XXXX XXXX  inquired on XXXX XXXX. XXXX XXXX Bank inquired on XXXX XXXX. XXXX XXXX XXXX  inquired on XXXX XXXX. XXXX XXXX  XXXX XXXX CREDIT inquired on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a creditor that is reporting a hard inquiry without permissible purpose. 
this creditor is 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 explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma, LLC
State: OR

Complaint narrative:
I was on the Credit Karma website XX/XX/2025 and was checking personal loans and looking at rates etc but did not apply. XXXX later I received an email from Avant loan denying my application. I was surprised since I didn't even click on apply or go through the process of an application. I contacted XXXX through email, and they said this was through Credit Karma and to contact them. When I contacted Credit Karma, they referred me to contact XXXX and XXXX and dispute the inquiry. I told Credit Karma this was due to them inquiring not me and then they just ended my chat. So, no help from them or XXXX. I did not apply for a personal loan through Credit Karma, and I am deleting my account due to other concerns I have and information I have seen on news sites in regard to Credit Karma and their practices with customers information and class actions lawsuits where judgements were awarded to customers. 
Thank you for your assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Created dispute with merchant. Claims under review. Capital one sends following email " Your accounts will be closing XXXX, Your Capital One accounts will be closing because of activity that is inconsistent with typical customer account usage. Your accounts wont be reopened, and youll be unable to open any other Capital One bank accounts in the future. 

The accounts have been restricted until the review of any pending claims is finished. Youll need to stop writing checks and cancel any automatic deposits or payments for the accounts right away. 

A check with any eligible funds in the accounts will be sent to the address on file while the pending claims are under review. Once the claims have been resolved, well proceed with closing the accounts. 

Once the accounts are closed, any remaining balance owed to youplus all interest earnedwill be transferred to a linked external checking account, generally within 23 business days, or a check will be mailed to the address on file, generally within 710 business days.

While your account is restricted, itll earn interest if applicable, and you can deposit money. However, a restricted account will prevent you from withdrawing money, initiating new transactions and completing pending transactions. If your account balance is currently negative or becomes negative before the account is closed, itll stay open but remain restricted until the negative balance is resolved. When the negative balance is resolved, the account will close. 

If you have any questions, give us a call at XXXX. Were available XXXX, XXXX XXXXXXXX XXXX XXXX, and Saturday, XXXX XXXXXXXX XXXX XXXX 

Download the Capital One Mobile app Download the Capital One Mobile app. '' _______________________________________________________________________ XX/XX/XXXX, requested cancellation of disputes to expedite process to receive funds via check. Never received provisional credit, all available funds should be sent out while claims are under review ( despite me requesting them to be cancelled to expedite my money being received ). 

Talked with management, " escalated '' issue. Was notified this could take up to 15 days. They are holding my funds hostage at this point and I need it immediately to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: WI

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Pursuant to 18usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15us 1681b 2. They also have no permission to report ANYTHING using my infomation pursuant to 15 USC 1681 4. I have never had an account, or written or verbal agreement with JEFFERSON CAPITAL LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX. They are reporting an inaccurate account in the amount of {$1000.00} and inaccurate information and late payments on my report also this account is closed in my collections which means they have written this debt off on their taxes and have collected on this said debt. I have requested Verification of this debt and verification of the original signed agreement with this company, in XXXX, and lastly in XXXXXXXX XXXX XXXX. They can not provide A original agreement between us or any agreement at all nor can they provide ownership. I have never heard of this company nor have I got an account or debt with them. I also did not authorize use of my social security number to this agency. also i see an update that this creditor is in my collections, I did not authorize them to use ANY of my information or report on my credit.I wish for the account to be deleted from my report immediately. They are not following federal consumer privacy laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
ONLINE INFORMATION SERVICES IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT. THIS ACCOUNT IS UNVERIFIED AND UNKNOWN. IT IS SHOWING A BALANCE OF {$52.00}. THIS ACCOUNT IS IN VIOLATION OF THEFCRA AND THE FDCPA. SINCE THIS ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT, " I WILL BESEEKING FOR DAMAGES FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT UNDER THE FCRA. ( YOU WILL SEND ME MY CHECK FOR {$1000.00} WITHIN 2 WEEKS OF THIS COMPLAINT '', OR I WILL BE SEEKING FOR DAMAGES UNDER THE FDCPA FOR UP TO {$1000.00} PER VIOLATION AND THE FCRA. YOU HAVE 24 HOURS TO DLELTE THIS ACCOUNT FROM REPORTING ON MY CONSUMER REPORT OR I WILL BE FILING A LAWSUIT ( CIVIL ) FOR DAMAGES. " ONLINE INFORMATION SERVICES WILL BE THE ONE HELD LIABLE AND FILED SUIT AGAIST BECAUSE YOU ARE THE ONE REPORTING THE ACCOUNT AS THE COLLECTION COMPANY ON MY CONSUMER REPORT ''. AGAIN, YOU HAVE XXXX HOURS FROM TODAY XXXX XXXX XXXX OF THIS COMPLAINT. AFTER XXXX XXXX, I WILL HAVE TO TAKE LEGAL ACTION TO SEEK MY REMEDY FROM ONLINE INFORMATION SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} Inquiries Account XXXX : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Opened : XX/XX/XXXX Account name : XXXX XXXX  Account opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX

Company response to consumer: Closed with explanation