vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: MA

Complaint narrative:
I am filing a formal complaint regarding multiple unauthorized hard inquiries reported on my credit reports with Experian, Equifax, and TransUnion. 

I did not apply for credit, authorize, or grant permission for any of these companies to access my credit reports. No permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, exists for these inquiries. I have not provided written, verbal, or electronic consent to any of these companies to obtain my credit report. 

These unauthorized inquiries are adversely affecting my creditworthiness and violate my rights under the FCRA. I have contacted the credit bureaus and the companies listed below to dispute these inquiries and request their removal. To date, no resolution has been provided. 

Below are the details of the unauthorized inquiries : Experian Inquiries : Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX TransUnion Inquiries : Inquiry Date XXXX XX/XX/XXXX | Creditor Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX Equifax Inquiries : Inquiry XXXX : XX/XX/XXXX | Creditor Name : XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX XXXX I am requesting immediate deletion of all unauthorized inquiries listed above from my Experian, Equifax, and TransUnion credit reports, in accordance with the FCRA. These inquiries were made without my authorization or permissible purpose, and I am exercising my rights under the law to dispute and have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts from my credit report without delay. I did not authorize or initiate these accounts and do not recognize them. As outlined under USC 1681g, I am formally requesting their removal within 15 days. I have attached the relevant documentation for your examination. Furthermore, the account details reported to each bureau are inconsistent and incorrect.

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 2025-05-09 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: MI

Complaint narrative:
I am writing to dispute multiple unauthorized hard inquiries on my credit report, which I reviewed on XX/XX/XXXX. I, XXXX XXXX, did not initiate or authorize the following inquiries and believe they are a result of identity theft. 

List of Unauthorized Inquiries to Be Removed Immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  via Dealer XX/XX/XXXX These inquiries are fraudulent and were not made with my consent. Under the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these inquiries in compliance with : 15 U.S. Code 1681c-2 Blocking information resulting from identity theft 15 U.S. Code 1681b ( c ) ( 1 ) ( A ) Credit inquiries must have a permissible purpose 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Obligation of credit bureaus to investigate and correct inaccurate information I also request these changes be reflected across all credit bureaus, and I am filing this dispute with the Consumer Financial Protection Bureau XXXX CFPB ) to ensure full federal oversight. 


Please provide a written confirmation of the removals within the timeframe allowed under federal law. Failure to comply will result in further legal action to protect my consumer rights. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts from my credit report without delay. I did not authorize or initiate these accounts and do not recognize them. As outlined under USC 1681g, I am formally requesting their removal within 15 days. I have attached the relevant documentation for your examination. Furthermore, the account details reported to each bureau are inconsistent and incorrect.

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX, I lost housing without notice and have been living in my car since. During this period, I fell behind on my XXXX student loan. I recently paid over {$2500.00} and brought the account current. However, despite my efforts, late payments are still being reported for XXXX and XX/XX/XXXX. I contacted XXXX for clarification and resolution, but they provided no clear help. Im actively working to improve my credit in order to buy my first home, and these late marks are holding me back from stabilizing my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MA

Complaint narrative:
I am filing a complaint regarding inaccurate account information on my credit reports. 

The following accounts were opened without my knowledge, authorization, or consent. I did not apply for credit with these creditors, nor did I agree to establish these accounts. I have no record of applications, approvals, or agreements related to these accounts. I dispute the accuracy and ownership of these accounts and request their removal from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Accounts in question : Creditor Name : XXXX XXXX | Account Status : Closed Creditor Name : XXXX | Account Status : Closed Creditor Name : XXXX | Account Status : Closed These accounts were reported without my knowledge or authorization. I have contacted the credit bureaus and creditors directly to dispute these accounts and request their removal, but no resolution has been provided. 

I request immediate deletion of these unauthorized accounts and correction of my credit reports.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing a complaint regarding inaccurate account information on my credit reports. 

The following accounts were opened without my knowledge, authorization, or consent. I did not apply for credit with these creditors, nor did I agree to establish these accounts. I have no record of applications, approvals, or agreements related to these accounts. I dispute the accuracy and ownership of these accounts and request their removal from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Accounts in question : Creditor Name : XXXX XXXX | Account Status : Closed Creditor Name : XXXX | Account Status : Closed Creditor Name : XXXX | Account Status : Closed These accounts were reported without my knowledge or authorization. I have contacted the credit bureaus and creditors directly to dispute these accounts and request their removal, but no resolution has been provided. 

I request immediate deletion of these unauthorized accounts and correction of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
ALLY BANK A DOZEN CALLS XXXX XXXX TO GET A FORM, NEVER GOT IT. NEXT XXXX TO CLOSE ACCOUNT. VALIDATED ALL INFO THEN REFUSED UNLESS I PROVIDED INFO ON MY EX HUSBAND- NEVER ASSOCIATED WITH THE ACCOUNT OR FUNDS- WHO TRIED TO XXXX XXXX. BECAUSE I CAN NOT /WILL NOT PROVIDE AN ADDRESS THEY ARE REFUSING TO CLOSE ACCOUNT, ALTHOUGH THEY ADMIT REPEATEDLY THEY KNOW I'M VALID AND THEY'RE MY FUNDS. LAUGHED WHEN I TALKED ABOUT XXXX XXXX XXXX XXXX XXXX. 
I WANT ALL MY MONEY AND I WANT SANCTIONS FOR THE DELAY AND ABUSE.

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 2025-05-09 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: MI

Complaint narrative:
I respectfully request that you block and delete the unauthorized accounts from my credit report promptly. I did not authorize or create these accounts and am unfamiliar with their origin. Per USC 1681g, I am asking for their removal within the next 15 days. Ive enclosed the necessary documents for your review. Additionally, the account information reported varies between credit bureaus and contains inaccuracies.

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Dave Operating, LLC
State: UT

Complaint narrative:
I submitted a written revocation of ACH debit authorization to Dave Inc. ( XXXX ), which is my right under the Electronic Fund Transfer Act ( 15 U.S.C. 1693e ( b ) ) and Regulation E ( 12 C.F.R. 1005.10 ). Dave refused to honor my revocation, claiming it can not stop withdrawals related to its XXXX product, despite having no legal exemption. 

I also requested that my account be closed and my data deleted under the Utah Consumer Privacy Act. Instead of honoring my rights, Dave demanded sensitive personal information ( full date of birth, SSN digits, address, card info ) to be sent through unencrypted email, in apparent violation of data security requirements under the GrammLeachBliley Act Safeguards Rule.

Ive given Dave multiple opportunities and deadlines. They missed them all.. I request that CFPB investigate Dave Inc.s repeated refusal to comply with federal consumer protection laws and its mishandling of consumer personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/2025, multiple unauthorized transactions totaling {$830.00} were made from my account. I promptly reported this activity to SoFi, and after completing the investigation, I was informed via email on XX/XX/2025 that the dispute was resolved in my favor and the case was closed, with the full amount credited back to my account. 

Shortly after, I was notifiedagain via emailthat the decision had been reversed due to what your team described as a technical glitch. This reversal occurred without any new evidence being presented or any formal explanation beyond a system issue. 

I am requesting a reinvestigation of this case and a detailed written explanation outlining the grounds on which the credit was rescinded. I acted in good faith, relied on the confirmation of the final credit, and do not understand how a technical issue on SoFis end justifies removing funds that were returned after a completed investigation. 

Ive appealed the decision more than XXXX times with substantial amount of evidence provided ; Despite submitting extensive evidenceincluding sworn affidavits, police reports, and communications with the merchantSofi has dismissed the claim without merit. Not only has the merchant confirmed that they were never contacted by anyone from SoFi, but it is abundantly clear that their investigation was either wholly inadequate or never fully conducted.

Sofi has refused to provide me documentation, call logs and any all evidence they conducted a thorough investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-09 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Please delete the fraudlent account from XXXX XXXX from my consumer file. Please also remove the inquiry from XXXX XXXX that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-05-09 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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