vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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 submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent hard inquiries on my credit report that I did not authorize or initiate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 



Details of the Dispute : I am disputing the following 17 hard inquiries, which I believe are the result of identity theft. I did not apply for credit with any of the companies listed below, nor did I give anyone permission to do so on my behalf : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not made by me, and I have no knowledge or association with the applications that triggered them. 
Formal Request for Investigation and Deletion : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the credit reporting agencies immediately block and remove these unauthorized inquiries from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting verification of these inquiries. Unless the furnishers can provide legal, written proof that I authorized the credit checks, they must be permanently removed.

Compensation for False Verification : As outlined in FCRA 616 ( 15 U.S.C. 1681n ), I may be entitled to {$1000.00} in statutory damages per violation if any of these inquiries are falsely verified or not properly investigated. Supporting Documentation : I have attached the following
documents to support my claim : Identity theft report ( police and FTC affidavit ) Government-issued photo ID Requested Actions : 1. Immediate deletion of all 17 unauthorized hard inquiries from my credit report. 2. Written confirmation that the inquiries have been removed. 3. Verification that all furnishers have been notified and instructed to cease reporting.

4. An updated copy of my credit report showing the corrected information.

I expect confirmation in writing that my request has been processed in accordance with the FCRA. Failure to comply may result in legal action.

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 2025-04-23 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 submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent hard inquiries on my credit report that I did not authorize or initiate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 



Details of the Dispute : I am disputing the following 17 hard inquiries, which I believe are the result of identity theft. I did not apply for credit with any of the companies listed below, nor did I give anyone permission to do so on my behalf : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not made by me, and I have no knowledge or association with the applications that triggered them. 
Formal Request for Investigation and Deletion : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the credit reporting agencies immediately block and remove these unauthorized inquiries from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting verification of these inquiries. Unless the furnishers can provide legal, written proof that I authorized the credit checks, they must be permanently removed.

Compensation for False Verification : As outlined in FCRA 616 ( 15 U.S.C. 1681n ), I may be entitled to {$1000.00} in statutory damages per violation if any of these inquiries are falsely verified or not properly investigated. Supporting Documentation : I have attached the following
documents to support my claim : Identity theft report ( police and FTC affidavit ) Government-issued photo ID Requested Actions : 1. Immediate deletion of all 17 unauthorized hard inquiries from my credit report. 2. Written confirmation that the inquiries have been removed. 3. Verification that all furnishers have been notified and instructed to cease reporting.

4. An updated copy of my credit report showing the corrected information.

I expect confirmation in writing that my request has been processed in accordance with the FCRA. Failure to comply may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: NC

Complaint narrative:
This company had me get a secure card that had excess fees and interest that are illegal XXXX XXXX. They have a balance of XXXX on my credit which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against CashApp ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely action and effectively measures to prevent and address the 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 insignificant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against AMSHERCOLLECTIONSERVICES regarding an account I have with them XXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : AMSHER COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with AMSHERCOLLECTIONSERVICES but to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-23 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-23 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:
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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I sent correspondences via XXXX Mail to LVNV and Resurgent, informing both companies that the alleged debt owed was not mine. I further requested that either or both companies remove the account from collections or provide me with a copy of the Purchase Agreement, surety bond and copies of the original contract or agreement demonstrating that I am responsible for the account ending in XXXX. 

The aforementioned XXXX correspondences I sent certified mail to resurgent were dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In all instances, Resurgent replied via correspondence by only providing me with a XX/XX/XXXX account statement that shows only the alleged amount owed, {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
DO YOUR JOB! You have XXXX rights or time left to reinvestigate. You failed to uphold the law when you let XXXX continually " update '' my account inaccurately and stopped holding them accountable. It is CLEAR cards appearing are CORPORATE ACCOUNTS under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is XXXX to do with me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX correct? Yes, I proved it in last disputes, they even agreed its a KNOWN federal issue of the error. NEXT, you let them keep closed and charged off accounts on my report with a balance like you did with XXXX. This is a charge off? you let them update it with XXXX lawfulness. Are charge off accounts not supposed to have a XXXX balance becausethey are considered paid due to the TAX WRITE OFF? So how is this showing inaccurate STILL & don't they have to Notify me BEFORE REPORTING so i have time to dispute?? .where and when did they send the notification for me to clear up the account before the issue and doesn't it have to be done through mail legally show me tracking with time stamps of delivery? And it is a collection of a debt so thats a violationof my privacyto contact me ANYOTHER WAY. XXXX is reporting transactions isn't that something that's a " may '' not a must and doesn't the reporting need to be the same amongst all reports and are they not inaccurately reporting the open date closed dates balances and " paid '' on time transactions? It looks like I got the loans with XXXX good history did my other disputes not show that clearly. YOU GUYS HAVE OPEN lawsuits for a reason you aren't doing your job. It's been over 45 days you have XXXX time to fix it remove the accounts or prove me wrong using law showing me ALL transactions agreements and payment history along with account ownership PROOF which is a burden on you now PLUS tell me how these reports are all updated the same day with completely different information. I'm trying to get a home and car and get denied over and over now o want to take legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
DO YOUR JOB! You have XXXX rights or time left to reinvestigate. You failed to uphold the law when you let XXXX continually " update '' my account inaccurately and stopped holding them accountable. It is CLEAR cards appearing are CORPORATE ACCOUNTS under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is XXXX to do with me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX correct? Yes, I proved it in last disputes, they even agreed its a KNOWN federal issue of the error. NEXT, you let them keep closed and charged off accounts on my report with a balance like you did with XXXX. This is a charge off? you let them update it with XXXX lawfulness. Are charge off accounts not supposed to have a XXXX balance becausethey are considered paid due to the TAX WRITE OFF? So how is this showing inaccurate STILL & don't they have to Notify me BEFORE REPORTING so i have time to dispute?? .where and when did they send the notification for me to clear up the account before the issue and doesn't it have to be done through mail legally show me tracking with time stamps of delivery? And it is a collection of a debt so thats a violationof my privacyto contact me ANYOTHER WAY. XXXX is reporting transactions isn't that something that's a " may '' not a must and doesn't the reporting need to be the same amongst all reports and are they not inaccurately reporting the open date closed dates balances and " paid '' on time transactions? It looks like I got the loans with XXXX good history did my other disputes not show that clearly. YOU GUYS HAVE OPEN lawsuits for a reason you aren't doing your job. It's been over 45 days you have XXXX time to fix it remove the accounts or prove me wrong using law showing me ALL transactions agreements and payment history along with account ownership PROOF which is a burden on you now PLUS tell me how these reports are all updated the same day with completely different information. I'm trying to get a home and car and get denied over and over now o want to take legal actions

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion experienced and equitable 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. This fraudulent, Inaccurate, and false Information consists or a personal credit accounts an auto and collections accounts that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries 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 attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, 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