vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian Disputes Department, Pursuant to the Fair Credit Reporting Act ( FCRA ) 604 and 611, I am requesting a permissible purpose review and reinvestigation of several hard credit inquiries appearing on my credit file. 

On XX/XX/XXXX, multiple inquiries were made into my credit by the following entities : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to make it explicitly clear that I did not authorize these institutions to access my credit file. My credit application was submitted solely to XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX in connection with a vehicle purchase at XXXXXXXX XXXX XXXXXXXX. I did not give consenteither written or verbalfor my application to be submitted to any other lenders. 

Accordingly, I am requesting that Experian : Initiate a permissible purpose review under FCRA 604 to determine whether each of the above entities had a legal basis to access my credit file. 
Require each company to provide documentation of my written authorization or other legal justification. 
Remove any inquiries that can not be substantiated with valid documentation. 
Please provide the outcome of this investigation in writing and furnish an updated copy of my credit report. If no permissible purpose can be demonstrated, these inquiries must be deleted in accordance with FCRA 611. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: TX

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 accounts unresolved. The Consumer Financial protection bureau has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence furnishers, accepting unreliable responses, and failing to adequately notifying consumers of the dispute outcomes. This failure align with my experience, where Experian has neither corrected or removed disputed item despite my request. I am requesting immediate corrective action to remove or amend the disputed account, as Experian 's 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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
on XX/XX/year> my cash app showed a - {$25.00}. i called to find out why. the agent said i requested XXXX from my account ending in XXXX i advised her i did not because that account had been closed months prior. she informed me the account had been unlinked XXXX hours before i called in. i advised that too was not true as the account ending in XXXX has not been linked for months. i requested a supervisor, the agent advised the supervisors only communicate thru email. 
days later i received an email requesting documentation from my bank to prove the account was closed. i replied to the email with a statement showing the date the account ending in XXXX was closed. days later i received an email from cash app advising my case was closed and there was no error found. i called again on XX/XX/year> and spoke with another agent who took me thru the exact same paces. i sent documentation to the email from a different supervisor and again the case was closed stating no error found. 
today i called my bank to speak with a supervisor. The supervisor from my bank advised they received a request on XXXX, XXXX  from cash app requesting money from the closed account ending in XXXX to which the bank replied the account is closed. the supervisor at my bank emailed a letter stating as much regarding their interaction with cash app. 
cash app has given me the run around for days regarding the request for XXXX from a closed bank account. they have not rectified the situation, they have not reviewed my cash app account to see i have been actively using it and pulling money from a different account for months. also, on XX/XX/XXXX there were funds available on cash app so i had no need to request money. i certainly would not have requested funds from a closed account. they will not investigate this as fraud and simply close the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has placed a fraud or security restriction on my XXXX profile, which is now preventing me from using XXXX with my new credit union ( XXXX ). I no longer have an active account with Wells Fargo, and they have refused to assist me or remove the block. 

I have confirmed with both XXXX and my credit union that this restriction originates from Wells Fargo. 

I am requesting Wells Fargo either retract the restriction from XXXX XXXX XXXX  or provide me documentation explaining why it was placed and how to remove it.

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 2025-07-22 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: NY

Complaint narrative:
I was a victim of identity theft. There is an inquiry on my Transunion credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXXXXXX 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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, {$1200.00} was transferred from my checking account to a third-party named " XXXX XXXX XXXX XXXX without my authorization. On the same day, {$1000.00} was moved from my savings account to my checking account to cover the fraudulent transfer also without my authorization. 

A phone number from Oklahoma ( XXXX ) was added to my online banking profile without my knowledge or consent. Since then, I have lost control of the account and can not change my contact information, because the system sends verification texts to the fraudulent number. 

I called the bank on XX/XX/XXXX. They refused to open a fraud case, saying the transaction was " still processing, '' and instead recommended I open a new account. On XX/XX/XXXX, I called again, and although the funds had already been withdrawn, they still did not open a case or provide a case number. 

I also visited a local branch, but they refused to help me, saying I had to wait for the phone investigation. I still have no access to my account or ability to change the fraudulent contact number. 

As a result of the unauthorized activity and the banks delay, I incurred a {$170.00} penalty from my housing provider due to insufficient funds. The account has been charged additional fees for falling below the minimum balance. I have also not been able to pay my household bills. 

On XX/XX/XXXX, I sent a certified letter to the banks fraud department in XXXX, including a detailed explanation, police report, screenshots of the unauthorized transactions, penalty notice from the housing provider, and my savings account statement. I have received no response. 

I am requesting the immediate return of the stolen funds, removal of the fraudulent phone number, and a formal explanation in writing of how this security breach occurred and what actions will be taken to protect my account. 

I also request an official letter from the bank explaining the situation, so I can present it to my landlord, utility companies, and any credit bureau, to avoid negative marks on my credit report while this issue is being resolved.

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 2025-07-22 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-07-22 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Dear XXXX  Disputes Department, Pursuant to the Fair Credit Reporting Act ( FCRA ) 604 and 611, I am requesting a permissible purpose review and reinvestigation of several hard credit inquiries appearing on my credit file. 

On XX/XX/XXXX, multiple inquiries were made into my credit by the following entities : XXXX Santander Consumer USA XXXX XXXX and XXXX XXXX XXXX XXXX I want to make it explicitly clear that I did not authorize these institutions to access my credit file. My credit application was submitted solely to XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX in connection with a vehicle purchase at XXXXXXXX XXXX XXXXXXXX. I did not give consenteither written or verbalfor my application to be submitted to any other lenders. 

Accordingly, I am requesting that XXXX : Initiate a permissible purpose review under FCRA 604 to determine whether each of the above entities had a legal basis to access my credit file. 
Require each company to provide documentation of my written authorization or other legal justification. 
Remove any inquiries that can not be substantiated with valid documentation. 
Please provide the outcome of this investigation in writing and furnish an updated copy of my credit report. If no permissible purpose can be demonstrated, these inquiries must be deleted in accordance with FCRA 611. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Dear XXXXXXXX Disputes Department, Pursuant to the Fair Credit Reporting Act ( FCRA ) 604 and 611, I am requesting a permissible purpose review and reinvestigation of several hard credit inquiries appearing on my credit file. 

On XX/XX/XXXX, multiple inquiries were made into my credit by the following entities : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Ally Financial AAFCU I want to make it explicitly clear that I did not authorize these institutions to access my credit file. My credit application was submitted solely to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a vehicle purchase at XXXXXXXX XXXX XXXX. I did not give consenteither written or verbalfor my application to be submitted to any other lenders. 

Accordingly, I am requesting that XXXX  : Initiate a permissible purpose review under FCRA 604 to determine whether each of the above entities had a legal basis to access my credit file. 
Require each company to provide documentation of my written authorization or other legal justification. 
Remove any inquiries that can not be substantiated with valid documentation. 
Please provide the outcome of this investigation in writing and furnish an updated copy of my credit report. If no permissible purpose can be demonstrated, these inquiries must be deleted in accordance with FCRA 611. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently purchased a copy of my credit report and noticed that there are collections and derogatory remarks that I do not recognize. I personally handle my finances and I am certain that everything has been paid on time. I would like them to be removed and have marked them on a copy of the report being sent in with this letter. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX {$8100.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3800.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX. XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00}

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 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : XXXX Email : XXXX XX/XX/XXXX To : Legal Department Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX RE : Demand for Lien Release and Explanation of Abandonment XXXX XXXX XXXX, XXXX XXXX Dear Legal Department, I am the registered owner of the XXXX XXXX XXXX XXXX VIN : XXXX ), which was financed through Navy Federal Credit Union XXXX According to my records, Navy Federal charged off the loan in XXXX but continues to retain an active lien on the vehicle while refusing to repossess, communicate, or facilitate title resolution. 
This inaction is inconsistent with your legal obligations under UCC 9-610, which requires a secured party to dispose of collateral in a commercially reasonable manner, or to accept the collateral in satisfaction of the debt under UCC 9-620 . Retaining the lien without pursuing recovery of the vehicle or releasing the lien constitutes impairment of title and an act of bad faith. See : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( creditor must act in a commercially reasonable manner with repossession and disposition ). 
- In re XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) ( improper retention of lien after charge-off is actionable ). 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX. XXXX ) ( a creditor who interferes with the debtors ability to transfer or register property through unjustified lien retention may be held liable ).

Additionally, your conduct may violate the covenant of good faith and fair dealing under Restatement ( Second ) of Contracts 205, as your refusal to take action impairs my ability to legally dispose of or use the vehicle.

I therefore demand the following within 15 calendar days : 1. A written explanation for Navy Federals refusal to repossess the vehicle or process a lien release ; 2. Immediate lien release documentation if no active collection or repossession is underway ; 3. All internal notes or correspondence related to the lien update recorded with the South Carolina DMV on or about XX/XX/XXXX ; 4. Confirmation of whether any insurance payout, total loss declaration, or claim-related title activity was made. 

Failure to respond or resolve this issue will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the National Credit Union Administration ( NCUA ), the South Carolina Attorney General, and a potential civil claim for title impairment and economic damages. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I am writing to dispute several unauthorized hard inquiries that appear on my credit report. I did not apply for credit nor did I authorize the following entities to access my credit file on the dates listed below. These inquiries are not mine, and I believe they may be the result of identity theft or unauthorized access. 

I am formally requesting that these inquiries be removed from my credit report immediately. 

The disputed inquiries are : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Again, I did not authorize these credit inquiries, and I am requesting that you investigate and have them removed from all relevant records. Please send me a written confirmation once this matter has been resolved.

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