vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: VA

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), please block and remove them within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-06-09 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: AE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX. XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AK

Complaint narrative:
The debt is from XXXX and was passed statutes of limitations. They issues me a summons ( on a military instillation ) told me I was going to JAIL, I responded to the summons that I wasnt aware of the amount of the debt and that I have not touched it in MANY years. We went back and forth with information ( me to their lawyer ) and eventually led to me accusing them of falsifying paperwork, and XXXX days before we were going back to court, they filed a stipulation to dismiss their case against me due to lack of evidence on their side. I do not understand how it is still on my credit report, after being sued for it, and them dropping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
The dealership sold me an auto warranty for {$3500.00}, I got some issues with the truck so I requested the warranty to be applied to my repair, however I was told by the warranty care that the auto warranty did not cover salvage cars and they also told me that the dealership should not never sold me that warranty. I contacted the delearship, at first they told me they will gave me the funds back, however when I called back to check on the status of my request, they put me on hold and keep me waiting, after that they keep ignoring my calls. In another hand, I am only XXXX XXXX XXXX, I never really review my statements but it look like they are double charging me the interest. Because it shouws the bill dure amount principal and interest plus interest again. 

I really hope you can help me. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a formal complaint against Capital One for reporting a late payment on my Pottery Barn credit card account that I believe is inaccurate and a result of mishandling during a servicing transfer. 

I originally had the account through XXXXXXXX XXXX  and had auto-pay set up. Capital One later took over servicing the account but never notified me via mail or email of this transition. I was unaware of any change and made a purchase believing that my existing auto-pay with XXXX was still active. 

I only became aware of the issue when I saw a late payment reported on my credit report. I immediately sent a certified dispute letter to Capital One, requesting documentation proving they had mailed me a billing statement or provided any notice of the account transfer. They have failed to respond. 

I also filed multiple disputes with the credit bureaus ( XXXX XXXX and XXXX ), and despite explaining the situation in detail and providing documentation, the late payment remains on my reports after months of disputing. 

I believe Capital One is in violation of the Truth in Lending Act ( TILA ) for failing to notify me of the servicing change and/or send required billing statements. They may also be in violation of the Fair Credit Reporting Act ( FCRA ) for continuing to report inaccurate information without proper investigation or verification. 

This issue has caused significant damage to my credit and financial standing. I respectfully request that the CFPB assist in resolving this matter and that Capital One be compelled to provide proof of notification, correct the reporting error, and be held accountable for any violations of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TEXAS CAPITAL BANCSHARES, INC.
State: VA

Complaint narrative:
Scheduled my Internet Service Provider ( ISP ) to auto-debit my account to pay monthly bill. On XX/XX/year>, I received a notification of returned payment from my ISP, even though sufficient funds were available to cover the {$30.00} payment. I have now received a return payment fee from my ISP, as a result of Bank Bank not following my payment instructions, or providing a reason or explanation for the rejected payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the 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 XXXX XXXX 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 2025-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
We have XXXX  insurance already, we have been using same insurance for years and paying more than {$1000.00} USD monthly already, yet this problem is about Coordination of Benefits ( they believe we have another active insurance which is actually not ), we reached all parties again and again but no one helped so far! This is not our debt it is totally their communications problem and they are willing to solve they just sent the debt collector notification to us! Can you please help us? 

They are saying : As of XXXX XXXX  you owed : {$950.00} FirstPoint Collection Resources , Inc. is a debt collector. We are trying to collect the debt ( XXXX ) that you owe to XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The guy told me what he was going to XXXX my life off, even after explaing that my identity was stolen and I have a police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX i noticed a fraudulent hard inquire on my report from XXXX XXXX XXXXhat I never authorized this inquiry I need it remove from my credit report action I took was I calling the company but they always some how disconnected the line so I appreciate if you can help 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
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CITIBANK, N.A.
State: LA

Complaint narrative:
On XX/XX/XXXX I went to Best Buy to buy a new apple computer. I have asked the salesman at best buy if they financed the computer with XXXX apr. The salesman started to ask personal questions about me. By the end of it he told me that I wasnt approved for there credit card, when I didnt even ask him to apply for XXXX. All I have asked was if they did XXXX apr financing on the computer and he didnt mention that he is applying for a Best Buy credit card to get the XXXX apr. I told the salesman why you have failed to mention to me that youre applying for a card when I didnt ask for XXXX. He replied that is how I was going to get you the XXXX XXXX financing. I told him I dont want the computer and ended up walking out. On XX/XX/XXXX I was checking my credit report I seen that citi bank had did a hard inquiry and I have realized it was because of the incident at Best Buy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
Hello good day I'm writing you to correct a problem in a matter concerning XXXX XXXX I have an auto loan with them and two credit cards on XXXX it's correct what I have with them on TransUnion it's not one of the credit cards was never listed on my credit report with them so I have two personal credit cards with them one ending and XXXX being reported to all three credit bureaus and then there's another card XXXX that ends in XXXX this credit card is reported to XXXX  but not to TransUnion this card has never been reported to TransUnion it's not on my credit file and needs to be put on I have a XXXX credit limit in good standing they didn't add it to TransUnion that hurts my score that hurts me from being able to have a place to live I believe they treated me unfairly and with discrimination because my name whatever it is maybe it looks XXXX  they don't like my name I feel they discriminated against me they treated me unfairly and acted with malice I don't know if it's an error on the part of their company or just discrimination intentional to my credit report that harms me as it is not fair to withhold that credit card from any credit bureau it has to be listed on there in good faith can you please have them take care of the matter I can send you the copy of my statement and the card that was never added to TransUnion credit file they need to add it and they fail to do so and they've been contacted 3 months in a row please add this credit card to all three credit bureaus as that's the law. So a recap a credit card ending in XXXX quick silver customer XXXX XXXX not listed with TransUnion full number XXXX of credit card never was placed on transunion reporting system left off not given no record of can you help me get Justice cuz that's not fair and that's discrimination or an error it needs to be placed on my credit report and all fairness they can't leave it off that's against the law to give me a credit card and then not report it to the credit card agency I believe it must be a mistake but it needs to be corrected I've already contacted them three months in a row and nothing 's been done TransUnion still doesn't have no record of me with this credit card that I've had for 3 years that needs to be reported it hurts the person 's credit that means they're not being treated fairly every credit card they give has to be reported to every credit bureau otherwise that's discrimination against the person or just a mistake that they made from their company all I want is it corrected and it added to TransUnion cuz it's supposed to be thank you for your cooperation this matter in your help XXXX bless

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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