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  in 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 XXXX  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  in 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 XXXX  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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX DOB : XX/XX/1992 This CFPB Complaint has been filed to request pursuant to FCRA & 605b ( 15 ) U.S.C. & 1681-c2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer XXXX credit report that is the result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consists of a personal credit card at XXXX XXXXXXXX XXXX  and a Checking account at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. 
I do not recognize the aforementioned accounts, hard inquiries, or collections as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of Identity theft and fraud. I have included the FTC Identity Theft Complaint number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of Identity theft and fraud.

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 2025-03-31 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have spoken to agents from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have also sent documentation supporting my identity theft claim. These accounts were opened when I was incarcerated by my ex-spouse. I sent my federal prison paperwork and my divorce papers as proof to support my claims. All three credit card companies wrote me back denial letters stating that these accounts were opened using information that matches my personal information, the accounts were accessed using a phone number associated with me, payments were made using an account associated with me, and statements were mailed to an address associated with me. I called all three companies back and explained to them that of course the information matched my personal information because my ex-spouse would have had that information while I was in prison. It would also stand to reason that statements were sent to an address associated with me since my ex-spouse was living at my current address while I was incarcerated. Payments would have been made from an account associated with me because I had a joint account with my ex-spouse before I was incarcerated that he continued to use. He also used my phone while I was incarcerated. All of the reasons they gave me are all part of what identity theft entails. I pointed out to them that although the phone number is mine current number, and the address used is my current address, and the bank account used to make payments were held jointly with me, those things were not mine at the time these accounts were opened and used. My address when these accounts were opened was my prison address, my phone number was the prison phone number, and I had no access to any bank account. I clearly could not have made any credit card purchases because prisons do not accept credit cards.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have spoken to agents from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have also sent documentation supporting my identity theft claim. These accounts were opened when I was incarcerated by my ex-spouse. I sent my federal prison paperwork and my divorce papers as proof to support my claims. All three credit card companies wrote me back denial letters stating that these accounts were opened using information that matches my personal information, the accounts were accessed using a phone number associated with me, payments were made using an account associated with me, and statements were mailed to an address associated with me. I called all three companies back and explained to them that of course the information matched my personal information because my ex-spouse would have had that information while I was in prison. It would also stand to reason that statements were sent to an address associated with me since my ex-spouse was living at my current address while I was incarcerated. Payments would have been made from an account associated with me because I had a joint account with my ex-spouse before I was incarcerated that he continued to use. He also used my phone while I was incarcerated. All of the reasons they gave me are all part of what identity theft entails. I pointed out to them that although the phone number is mine current number, and the address used is my current address, and the bank account used to make payments were held jointly with me, those things were not mine at the time these accounts were opened and used. My address when these accounts were opened was my prison address, my phone number was the prison phone number, and I had no access to any bank account. I clearly could not have made any credit card purchases because prisons do not accept credit cards.

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 2025-03-31 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Subject : Debt Validation Request To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced in your communication, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Please provide the following information : 1. Validation of Debt The name and address of the original creditor.

The original account number associated with the debt.

The amount of the debt, including a breakdown of principal, interest, fees, and other charges.

A copy of the signed agreement or contract that created this obligation.

2. Proof of Debt Collectors Authority Proof that your company is authorized to collect this debt.

A copy of any agreement between you and the original creditor granting you authority to collect.

3. Statute of Limitations The date of the original delinquency.

Confirmation that the debt is still legally collectible.

Under the FDCPA, you must cease all collection efforts until this debt has been properly validated. If you fail to provide sufficient validation, I request that you cease further communication regarding this matter.

Additionally, please note that any further contact should be in writing. If you report this debt to any credit bureaus without proper validation, I will consider it a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA, and I will take appropriate legal action. 

Please respond within 30 days from the date of this letter. 

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: 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 XXXXXXXX XXXX XXXX on 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, 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: 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 XXXXXXXX XXXX XXXX on 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, 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquires Multiple home addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I am writing to provide a summary of my repayment progress for the title loan I received. To date, I have paid {$1500.00} toward the loan, demonstrating my commitment to fulfilling my financial obligation. 

Despite my efforts, I am experiencing ongoing harassment regarding the remaining balance. I have kindly requested a detailed breakdown of my loan status, including applied payments and any outstanding amounts, to ensure transparency and accuracy. Til date I have not received documentation.

I have been harassed daily and apparently the amount Ive paid was only for interest and I owe another {$1500.00} this is absolutely ridiculous and a scam. I need someone to look into this situation ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/XXXX took my daughter to XXXX XXXX XXXX XXXX they offered me Care Credit so i can pay my daughters root canal which was over XXXX dls they gave me a credit of XXXX XXXX something but the clinic did the application on that and i was never told that this was just a promotion for 24 months until now after i paid my XX/XX/XXXX statement I received an email sayin my accoun increased with a balance of over XXXX and my balance was {$3400.00} so it double the amount. I told them i was not awared of the promotional medical loan. I told them if there is something they could work with me but they said I had 30 days to pay my balance of {$3400.00} obviously i dont have that amount on hand. I think that is a scam i am back 2 years later after paying my minimum payments to to a balance more than what i started on XX/XX/XXXX. Can someone Please Help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare recently increased my monthly mortgage payment from {$2700.00} to {$2900.00}, citing an escrow shortage of {$2000.00}. However, my property taxes are estimated at {$4100.00} annually ( semi-annual payments of {$2000.00} ), and there has not been a significant increase from last year, which was {$4200.00}. My current escrow balance shows- {$430.00}, which does not match the shortage amount they are trying to collect. 

I have submitted multiple written requests to LoanCare asking for a breakdown of the escrow shortage and documentation of disbursements, but they continue to respond asking for 30 more days each time without providing the requested information or resolution. This feels like a delay tactic while they continue to charge me the higher amount. 

I am requesting a full audit of the escrow calculations and for LoanCare to be held accountable for the lack of transparency, delay in communication, and what appears to be a miscalculated escrow shortage.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX to Report Verified Positive Accounts I am submitting this complaint because multiple credit reporting agencies are failing to report accurate and complete information on my credit file specifically, they are omitting verified positive accounts that are in good standing and currently being reported by other bureaus. 
The following positive accounts are being reported to XXXX or XXXX bureaus, but are missing from others without justification : XXXX ( XXXX ) missing from Experian and TransUnion XXXX XXXX ( XXXX ) missing from Equifax and Experian XXXX XXXX ( XXXX ) missing from Equifax XXXX XXXX XXXX ) missing from Experian and TransUnion XXXXXXXX XXXX XXXX XXXX ) missing from Equifax and Experian XXXXXXXX XXXX ( XXXX ) missing from Equifax and TransUnion I have submitted disputes directly to the bureaus and provided supporting documentation showing that these accounts are valid and currently reporting positively to at least XXXX other bureau. Despite this, the accounts remain missing from the others. 

These omissions are negatively impacting my credit profile by not reflecting the full and accurate history of my creditworthiness. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and hold the credit reporting agencies accountable for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and complete credit reporting. 

I am happy to provide supporting documentation and screenshots showing where each account is currently reporting, along with the account numbers and dispute letters I have already sent. 
Thank you for your assistance.

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