vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: OH

Complaint narrative:
My personal information was compromised in a data breach involving XXXX. As a result, I have become a victim of identity theft. After reviewing my credit reports, I discovered several unauthorized and fraudulent accounts that I did not open or authorize. These include : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX I do not recognize any of these companies or accounts, nor did I receive any goods or services from them. These accounts were fraudulently opened by someone else using my stolen identity. 

Actions Taken : I am formally disputing these accounts and requesting their immediate investigation and removal from my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers from the reporting of inaccurate and fraudulent information. 

Applicable FCRA Laws Supporting My Dispute : FCRA 611 ( 15 U.S. Code 1681i ) Procedure in case of disputed accuracy I have the right to dispute inaccurate or incomplete information on my credit report. The credit reporting agency is required to investigate the dispute within 30 days and remove or correct the information if it is found to be inaccurate, incomplete, or unverifiable.

FCRA 605B ( 15 U.S. Code 1681c-2 ) Block of information resulting from identity theft Upon providing proof of identity theft ( e.g., a police report or FTC Identity Theft Affidavit ), the consumer reporting agency must block the fraudulent information from appearing on the credit report within four business days.

FCRA 602 ( A ) Right to fair and accurate credit reporting The FCRA emphasizes that consumer reporting agencies must maintain accurate and fair credit files. Reporting fraudulent accounts caused by identity theft violates this standard.

FCRA 623 ( 15 U.S. Code 1681s-2 ) Responsibilities of furnishers of information The companies that supplied this false information to the credit bureaus have a legal duty to investigate the accuracy of the data and must correct or delete it if it is found to be inaccurate or the result of identity theft.

What I Request : A full investigation into the accounts listed above.

Removal ( deletion ) of all fraudulent account entries from my credit report.

Written confirmation that the accounts have been deleted due to confirmed identity theft.

The blocking of any re-reporting of these accounts under other names or by affiliated agencies.

I will be submitting this complaint to all three credit bureaus and may escalate it to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if these entries are not removed in a timely and compliant manner.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter.

If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: KS

Complaint narrative:
Direct express took XXXX dollars from me and I never got it back. I got the report on the ATM and bank info as they did not honor the transaction yet the money was deducted off my card and I never got it back... I provided 100 % evidence showing I was scammed and nothing was ever done about it...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AL

Complaint narrative:
I recently reviewed my credit report. I found numerous inquiries from creditors, who I did not give permission to pull my credit report. These inquiries are fraudulent. Please remove/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-27 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: TX

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian

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 2025-07-27 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: DC

Complaint narrative:
I do not recognize these inquiries, and as such are reporting inaccurately. I demand they be removed, in accordance with the Fair Credit Reporting Act : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: DC

Complaint narrative:
I do not recognize these inquiries, and as such are reporting inaccurately. I demand they be removed, in accordance with the Fair Credit Reporting Act : 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 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 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 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
citi bank credit card closed my 3 credit cards and didn't want to release the rewards i have on the cards, i ask them a reason and they dins answer me, i need my rewards from all my 3 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 explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Novo Platform Inc.
State: HI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX online XXXX  I had a business bank account with them for years, and it was fine i attempted to close the account over a month ago, and made multiple requests. 

1. The account is still open.

2. There was a business credit card attached to the account, which is currently over limit. I am happy to pay this, but they wlll ONLY accept payment through my putting money in the account that was supposed to be closed- effectively reopening it every month, against my consent and will. 

The reason for account closure was safety concerns. They are fully ignoring that. 

I also asked them if I could pay the credit card a different way, due to the fact that they said they WOULD close the account a month ago, and they refused to accept that. ( I also did try to open a new account with them even if just to pay the credit card, and they refused that too ). 

At this point, I'm walking away, especially as its a business credit card ( attached to account ) and not a personal one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: SC

Complaint narrative:
Several accounts and credit inquiries were opened or reported without my knowledge or authorization. In XX/XX/XXXX, a XXXX XXXX XXXX credit card was opened and later charged off with a balance of {$890.00}. XXXX XXXX XXXX reported multiple late payments on a closed account opened in XX/XX/XXXX. XXXX XXXX XXXX reported a balance of {$590.00} and late payments on an account opened in XX/XX/XXXX. XXXX XXXX XXXX XXXX reported a charge-off for {$590.00} starting in XX/XX/XXXX. XXXX XXXX XXXX reported a charge-off of {$950.00} on a loan opened in XX/XX/XXXX. XXXX XXXX XXXX reported an open loan from XX/XX/XXXX with a balance over {$2000.00} and missed payments. Debt buyers XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reported collection activity related to these accounts. I did not authorize any of these accounts or inquiries and request that they be removed as identity theft under the Fair Credit Reporting Act.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate information that is being reported on my credit report. I have contacted the credit bureaus ( XXXX, Experian, and XXXX ) to request removal of the following accounts/inquiries, but they have failed to provide proper validation or remove the disputed items. 

These accounts are either inaccurate, not mine, or outdated beyond the reporting time allowed under the Fair Credit Reporting Act ( FCRA ). I am requesting that these items be thoroughly investigated and permanently removed from my credit report. 

Thank you for your attention.

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 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Company Name : Block, Inc. ( Square ) Product : Money Transfer, Virtual Wallet, or Prepaid Debit Card Issue : Money was not received, or was sent to the wrong account Complaint : I used Square ( Block, Inc. ) to process payments for my small business. I had one verified XXXX  XXXX XXXX account connected for deposits, and a Square Debit Card that I never used or saw a balance on. I later discovered that only part of the money I was earning was reaching my bank account. 

After contacting Square support multiple times, I was told the funds were deposited to my Square Debit Card, and then routed out of that card to another account. I was not provided any detail about what account received the money, and I never authorized or linked any other external account. 

I still do not have access to the missing funds, and Square has stated that they are unable to tell me where the money went, which is unacceptable. I believe this may involve fraud or unauthorized redirection of my Square balance, and Square has refused or failed to provide a resolution.

I am requesting a full investigation and recovery of the missing funds. I want Square to provide transaction records and to refund or return the money that was never properly deposited to my bank. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello, I submitted a dispute with Navy Federal Credit Union for {$280.00}. It's based on an application for an apartment, I cancelled within 24 hours. Yet, NFCU 's requesting additional information I don't have. From my understanding, the money should have NEVER, been withdrawn from my account. This is because my request was made within 24 hours. Now, the bank has opted to close my dispute ( s ) for a lack of information and I've been denied my right to appeal a decision. Would you please help me recover funds for a service I didn't receive? 

XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I notice two inquiries for the same purpose within 48 hours apart from each other. XX/XX/XXXX and XXXX of XXXX 

Per the lender, " XXXX XXXX XXXX is our long-time client here at XXXX XXXX XXXX XXXX and we inadvertently pulled his credit twice within two days. This was a mistake, and please accept our apologies for any inconvenience this mistake may have caused you and affected your credit rating. The inquiry from XX/XX/year> was an error. 

Please see the attached letter. 

Thank you, 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 2025-07-27 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: TX

Complaint narrative:
I notice two inquiries for the same purpose within 48 hours apart from each other. XX/XX/XXXX and XXXX of XXXX 

Per the lender, " XXXX XXXX XXXX is our long-time client here at XXXX XXXX XXXX XXXX and we inadvertently pulled his credit twice within two days. This was a mistake, and please accept our apologies for any inconvenience this mistake may have caused you and affected your credit rating. The inquiry from XX/XX/year> was an error. 

Please see the attached letter. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I am filing this complaint against TitleMax due to predatory lending practices, deceptive communication, and bad-faith negotiation. 
I received a title loan from TitleMax on XX/XX/XXXX, for {$6100.00}. I was told that I would be paying into the principal from the very first payment and that I would be able to pay the loan off quickly. 
Over the course of the year, I made consistent payments totaling over {$6200.00} plus the {$1800.00} I had to pay to get my vehicle back after they repossessed it. Despite this, my payoff amount increased to over {$6500.00}, more than I initially borrowed. I never missed a payment for the first year. 
In XX/XX/XXXX, I contacted TitleMax to request a settlement. I was told no settlements could be on an active or current account. I was forced to fall behind intentionally to qualify for settlement options. After several calls, I was given a verbal offer of a {$4500.00} settlement, which I accepted. 
While I was waiting for approval from the district and corporate offices, a process they said would take two weeks, my car was repossessed after four weeks of waiting. I then paid {$1800.00} to retrieve my car, and was told I could still work on a settlement.

I have since been told that the settlement is off the table due to the vehicle having been repo 'd, even though I reclaimed it. I have called the store multiple times asking to speak to the regional manager and have been completely ignored.

I believe this behavior is deceptive, predatory, and retaliatory. TitleMax misled me into defaulting and then changed the terms of our agreement with no notice. I am now out thousands of dollars, with no relief in sight. 
I request a full investigation into this conduct and am seeking immediate resolution, either honoring the original {$4500.00} settlement ( minus the {$1800.00} I already paid ), or full account forgiveness due to deceptive business practices and bad-faith handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NC

Complaint narrative:
Inquiry Details : 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 XXXXXXXX XXXX, XXXX I have reported these inquiries several times stating that i don't recognize these. I didn't give these companies permission to pull my REPORTS! 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) ensuring maximum possible accuracy.

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