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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian, Equifax, TransUnion Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 ( Identity Theft ) To Whom It May Concern, I am writing to formally dispute certain information appearing in my credit file that I believe is the result of identity theft. Pursuant to my rights under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block the reporting of this fraudulent information.

The following account ( s ) on my credit report are not mine and were opened or used fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under federal law, I have included the following documentation in support of this request : 1. A copy of a police report or a Federal Trade Commission ( FTC ) Identity Theft Report.

2. A valid government-issued photo ID.

3. A proof of residence ( e.g., utility bill or lease agreement ).

4. A detailed statement identifying which information is fraudulent and should be blocked.

Under 15 U.S.C. 1681c-2, you are required to block the reporting of the information that is the result of identity theft within four ( 4 ) busine
ss days of receipt of this request and the accompanying documentation. Please provide written confirmation once the fraudulent information has been blocked from my credit file.

Thank you for your prompt attention to this serious matter. If you need any further information or clarification, you may contact me using the contact information provided above. 
Sincerely, 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 2025-06-06 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:
Multiple Unauthorized and Harmful Hard Inquiries Without Consent Request for Immediate Investigation and Deletion What is the issue? 
I am submitting this complaint because multiple unauthorized hard inquiries were made on my credit reports by various companies without my permission, authorization, or prior knowledge. These hard inquiries have harmed my credit score and financial standing. 

What happened? 
On multiple occasions in XXXX hard inquiries were placed on my credit profile without my consent. Below is the list of inquiries I am disputing : 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 XX/XX/year> I did not initiate or apply for credit with any of these institutions. In XX/XX/year>, I was simply browsing for vehicle prices and loan calculators. I never submitted any official credit applications nor signed anything authorizing these lenders to pull my credit. These hard pulls were done without any clear disclosure or my written consent. 

Some of these inquiries were even duplicated ( such as XXXX XXXX ), amplifying the damage to my credit profile. 

How is this a violation? 
According to the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), credit reporting agencies are prohibited from furnishing a consumer report unless there is a permissible purpose, and that includes express consumer authorization.

Additionally, under FCRA Section 611, I have the right to dispute any information that is inaccurate or unverifiable. These inquiries were not authorized and I have no documentation or signed application connecting me to these lenders.

What is the impact? 
Because of these unauthorized inquiries : My credit score dropped, affecting my loan eligibility. 

I am now at risk of denial for legitimate credit applications. 

It has caused emotional stress and frustration, as I have worked hard to rebuild my credit. 

What resolution are you seeking? 
I respectfully request : A full investigation into how and why these inquiries were placed on my credit report without consent.

Immediate removal of all listed unauthorized inquiries from my credit files with Experian, Equifax, and TransUnion.

Enforcement of stricter accountability for companies accessing consumer data without proper authorization. 

Supporting Evidence : A copy of my government-issued ID

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 2025-06-06 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:
Multiple Unauthorized and Harmful Hard Inquiries Without Consent Request for Immediate Investigation and Deletion What is the issue? 
I am submitting this complaint because multiple unauthorized hard inquiries were made on my credit reports by various companies without my permission, authorization, or prior knowledge. These hard inquiries have harmed my credit score and financial standing. 

What happened? 
On multiple occasions in XXXX hard inquiries were placed on my credit profile without my consent. Below is the list of inquiries I am disputing : 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 XX/XX/year> I did not initiate or apply for credit with any of these institutions. In XX/XX/year>, I was simply browsing for vehicle prices and loan calculators. I never submitted any official credit applications nor signed anything authorizing these lenders to pull my credit. These hard pulls were done without any clear disclosure or my written consent. 

Some of these inquiries were even duplicated ( such as XXXX XXXX ), amplifying the damage to my credit profile. 

How is this a violation? 
According to the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), credit reporting agencies are prohibited from furnishing a consumer report unless there is a permissible purpose, and that includes express consumer authorization.

Additionally, under FCRA Section 611, I have the right to dispute any information that is inaccurate or unverifiable. These inquiries were not authorized and I have no documentation or signed application connecting me to these lenders.

What is the impact? 
Because of these unauthorized inquiries : My credit score dropped, affecting my loan eligibility. 

I am now at risk of denial for legitimate credit applications. 

It has caused emotional stress and frustration, as I have worked hard to rebuild my credit. 

What resolution are you seeking? 
I respectfully request : A full investigation into how and why these inquiries were placed on my credit report without consent.

Immediate removal of all listed unauthorized inquiries from my credit files with Experian, Equifax, and TransUnion.

Enforcement of stricter accountability for companies accessing consumer data without proper authorization. 

Supporting Evidence : A copy of my government-issued ID

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 2025-06-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my XXXX XXXX  number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to XXXX XXXX Code XXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Inaccurate Address : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a XXXX XXXX card was used in the transaction. Under XXXX XXXX XXXX XXXX - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. 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 2025-06-06 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: SC

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
on XX/XX/year> i spoke with synchrony bank and asked them to not close my account as I would need some time to think about it. I said please do not close my account after she asked if I would like to proceed and i said no but she closed it anyway. I said I would call back if i decided to close the account

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: LeasePoint Funding Group, LLC
State: GA

Complaint narrative:
FORMAL CEASE AND DESIST DENIAL OF LIABILITY & MISREPRESENTATION OF CONTRACTUAL AGREEMENT To Whom It May Concern, This letter serves as my formal notice to cease and desist all attempts to collect an alleged debt from me related to equipment that is not my legal responsibility. I am not the original lessee, and I did not knowingly or voluntarily agree to any liability for the machine in question. Your continued efforts to involve me in this matter are unlawful, harassing, and a misrepresentation of fact. 

Federal Law Notice Pursuant to : 12 CFR 1006.6 ( c ) ( 1 ) Regulation F 15 U.S. Code 1692c ( c ) Fair Debt Collection Practices Act ( FDCPA ) I am formally notifying you that I refuse to pay this alleged debt and request that you immediately cease all communication with me regarding this matter. 

XXXX of Facts The original lease agreement was made solely with XXXX XXXX, not me. 

Although I was listed as a guarantor, this was done without informed consent. XXXX representative XXXX XXXX did not inform me or XXXX that the lease was being amendedonly that it was to assist with payment. 

XXXX XXXX never signed or authorized any amendment making me liable and has informed XXXX of this. 

I only made temporary payments on her behalf due to her bankruptcynot as a legal lessee or guarantor. 

I submitted a payment and attempted resolution, but XXXX XXXX responded with harassing emails and phone calls to both XXXX and me. 

A settlement agreement was offered that attempted to waive my rights while still assigning me liabilitydespite XXXX continued attempts to return the machine and remove me from any responsibility. 

XXXX XXXX has reached out multiple times to your attorney XXXX XXXX, offering to return the machine and stating clearly that I should not be held responsible. She may be contacted at ( 404 ) 516-6213.

Legal Violations Your actions violate : 15 U.S. Code 1692e False or misleading representations Basic principles of contract law, which require valid consent and mutual agreement The doctrine of XXXX non fit injuria, which bars a party from claiming injury from a risk they willingly accepted You can not impose liability on a person who did not knowingly or willingly agree to the obligation. 

Demands I hereby demand : XXXX cessation of all communications to me. 

Termination of all legal threats or collection activity related to this equipment. 

Written confirmation that I am not liable for this debt. 

XXXX that no reports have been made or will be made to any consumer reporting agencies under my name. 

If you fail to comply, I will file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The XXXX Attorney Generals Office as well as pursue legal remedies as necessary. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Meta Payments Inc.
State: AL

Complaint narrative:
I am filing this complaint against Meta XXXX XXXX XXXX regarding unauthorized and unexplained loss of access to my XXXX and XXXX accounts, both of which are tied to financial assets and/or advertising accounts with prepaid balances. 

On XX/XX/year>, I was erroneously locked out of both my XXXX and XXXX accounts without warning or clear explanation. These accounts are connected to my business and contain active funds used for Meta Ads. Despite numerous attempts to appeal and restore access via Metas Help Center, automated systems, and internal support channels, I have received no meaningful response or resolution. All attempts to verify my identity and ownership have been ignored or denied without transparency. 

The affected accounts are : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX failure to respond has caused financial harm by disrupting my business operations and withholding access to funds that I prepaid and rightfully own. At no point did Meta provide formal notice or due process regarding any alleged violation that would justify such actions.

Requested Resolution : 1. Immediate restoration of full access to my XXXX and XXXX accounts. 
2. A detailed explanation for the account lockout and an opportunity to resolve any alleged issues.

3. Refund or reinstatement of any remaining funds on my Meta advertising accounts.

4. Assurance that similar account disruptions will not occur without proper notice or appeal opportunity.

Metas current practices lack accountability and transparency and are unacceptable for a platform that holds user funds and business tools. I request CFPBs assistance in compelling Meta to take swift and appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
Subject : Repeated FCRA Violations Inaccurate and Unauthorized Credit Inquiries Ignored by Equifax I am filing this formal complaint against Equifax Information Services LLC for repeatedly violating my rights under the Fair Credit Reporting Act ( FCRA ) and for willfully ignoring multiple written disputes regarding unauthorized and inaccurate hard inquiries reported on my credit file. 

I have sent several dispute letters directly to Equifax over the past months requesting that they investigate and remove the following hard inquiries that I never authorized and never initiated : 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/year> Equifax has ignored every communication Ive sent and continues to allow these damaging and inaccurate inquiries to remain on my credit reportknowingly harming my financial reputation and creditworthiness. This is a clear and ongoing violation of FCRA statutes including, but not limited to : 15 U.S.C. 1681b ( f ) Obtaining a consumer report without a permissible purpose 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681n and 1681o Civil liability for willful and negligent noncompliance I have now reached the point where I fully intend to pursue civil litigation and am currently documenting every single violation and misstep for my legal team. Equifax has shown blatant disregard for consumer protection laws, and I will seek the civil maximum allowable under FCRA for each and every violation, including : Statutory damages Punitive damages Actual damages Attorneys fees and legal costs Their inaction is causing serious financial harm, including the denial of credit opportunities and increased interest rates due to a damaged scoreall based on false, unverified, and illegal reporting. 

This complaint is not a bluff. I will see this through to the end until I receive full relief and these illegal and harmful practices are brought to light and corrected. 

I demand that Equifax immediately be forced to investigate and remove all unauthorized hard inquiries listed above and provide confirmation in writing, or face full legal consequences in civil court, and potentially with the State Attorney General and FTC.

Requested Resolution : Immediate removal of all unauthorized hard inquiries Full investigation into their failure to respond to my prior disputes Monetary damages and full legal accountability

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NH

Complaint narrative:
XXXX XXXX XXXX exchange has held my account XXXX for a XXXX now. I contacted them on XX/XX/XXXX because when I tried to transfer my XXXX to my hard wallet it said there was an error on my account and wouldn't let me move it. I provided the ID that they asked for XXXX. Then they asked for more information on where my money came from and I answered that. Then they refused to do anything. I sent emails asking them to fix the error and they just responded with they're looking into it and then they decided I had to XXXX a XXXX XXXX agreement and I refused untill they cleared my account. I then said I wanted to transfer my XXXX to my wallet and close my account and they responded with I have XXXX  days to sell my XXXX and move the money back to my bank account. So I sent more emails because I couldn't do anything in my account because the XXXX XXXX agreement was in the way. So I was forced to agree in order to have access to my account. I sent another email asking them not to cancel my account as I don't want to sell my XXXX  currency. They responded today Friday XX/XX/XXXX with no explanation that I have to sell my XXXX  within XXXX  days and my account will be closed.

Company response to consumer: Closed with explanation