vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: AZ

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report.

Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all outdated, inaccurate, or unverified accounts and inquiries listed. I did not grant permission for these inquiries, and their presence on my report is a violation of the Fair Debt Collection Practices Act.

I have attached a copy of my credit report with the inquiries in question highlighted for your reference.

The inquiries in question are as follows : List of Unauthorized Hard Inquiries : Company Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX NC, XXXX Phone : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Please investigate this matter and remove these inquiries from my credit report at the earliest. Failure to comply with this request within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and may lead to legal action under 15 U.S.C. 1681n and 1681o for violating my rights under the FCRA.

I want to emphasize that I am fully aware of the Consumer Financial Protection Bureau ( CFPB ) lawsuits against XXXX XXXX XXXX for conducting sham investigations and failing to properly investigate consumer disputes. I expect TransUnion to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that these inquiries have been removed from my credit 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 explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XX/XX/XXXX, XXXX contacted by a man claiming to be XXXX XXXX  XXXX XXXX from a XXXX XXXX  XXXX XXXX XXXX in XXXX XXXX XXXX NY. He advised that my identity was stolen, and there were 2 pending Zelle transactions that were going to hit my bank account that needed to be reversed. One pending Zelle amount was {$1500.00}, and the other was for {$300.00}. He advised that I must speak with a Customer Service Rep from Zelle, who in turn called me.The Zelle Customer Service requested I Zelle a XXXX XXXX  Manager 2 different amounts, providing fake reference numbers for both transactions. I was scammed into making these Zelle payments from my Bank to a fake XXXX XXXX. This was a total scam. I contacted my bank, XXXX, made a complaint, with their dispute department, and just received notification from them that they will not offer a credit back to my account. Their comments stated that I authorized both Zelle transactions, and XXXX is unable to honor my reqiest for a refund. They did not take into consideration the scam that forced me to make both Zelle transactions. I will be contacting Zelle to dispute this fraud as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-17 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: FL

Complaint narrative:
I am filing this complaint because Equifax continues to report a collection account that I have formally disputed at least three times. Under the Fair Credit Reporting Act ( FCRA ), any information that can not be verified must be removed from the credit report. XXXX and XXXX  have already deleted this account, which reveals serious inconsistencies in Equifaxs verification process. I am requesting that immediate action be taken to investigate this matter and to require Equifax to permanently delete this account, as it is unfairly damaging my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I scheduled a trip to Florida online being my first time. It was a struggle as I deal with XXXX I booked a flight, and then rental car right after. I thought the dates and times matched and somehow had rental car for the day prior. I was very confused doing the reservation but never thought it would be wrong or the credit card company would inhibit me from even filing a dispute. Ive called three times and spoke with 3 different people. I wasnt even able to get through as the representative would say something crazy and not honor my complaint to r concern. I attempted to record the call for my protection which made them upset but I have rights, I cant get any representative to hear me out clearly and understand my needs. Its very insulting and rude. So after 3 attempts at a dispute for the rental cancellation, I have brought my complaint here in hopes this will be refunded in the amount of XXXX, as I still had to get a car and paid an additional charge for that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this report as a victim of identity theft. I have recently discovered several unauthorized and inaccurate accounts reported on my credit file that I did not open, authorize, or benefit from. These accounts contain derogatory payment histories, charge-offs, and other negative information that are severely damaging my creditworthiness. 
I am formally requesting that all three credit bureausExperian, Equifax, and TransUniontake immediate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, which requires the blocking of information resulting from identity theft upon receiving proper documentation.

I have filed an identity theft report with the Federal Trade Commission ( FTC ), and I am attaching the official Identity Theft Report along with a government-issued ID and proof of address. I ask that the following accounts be blocked and permanently removed from my credit reports : Accounts to be removed : * XXXX XXXX XXXX  XXXX ( Equifax ) * XXXX XXXX XXXX  ( Installment ) ( Experian ) These accounts do not belong to me and were either fraudulently opened or reported inaccurately. I respectfully demand that the credit reporting agencies remove these accounts from my file and confirm the deletion in writing within the time frame required by law. 
I appreciate your urgent attention to this matter and expect full compliance in protecting my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
My name is XXXX XXXX XXXX XXXX, and I am submitting this report as a victim of identity theft. I have recently discovered several unauthorized and inaccurate accounts reported on my credit file that I did not open, authorize, or benefit from. These accounts contain derogatory payment histories, charge-offs, and other negative information that are severely damaging my creditworthiness. 
I am formally requesting that all three credit bureausExperian, Equifax, and TransUniontake immediate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, which requires the blocking of information resulting from identity theft upon receiving proper documentation.

I have filed an identity theft report with the Federal Trade Commission ( FTC ), and I am attaching the official Identity Theft Report along with a government-issued ID and proof of address. I ask that the following accounts be blocked and permanently removed from my credit reports : Accounts to be removed : * XXXX XXXX XXXX  XXXX ( Equifax ) * XXXX XXXX XXXX  ( Installment ) ( Experian ) These accounts do not belong to me and were either fraudulently opened or reported inaccurately. I respectfully demand that the credit reporting agencies remove these accounts from my file and confirm the deletion in writing within the time frame required by law. 
I appreciate your urgent attention to this matter and expect full compliance in protecting my consumer rights.

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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I am writing to request a fair and accurate resolution to the following closed revolving credit account : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Status : Charge-Off Balance : {$0.00} Comment : XXXX XXXX XXXX XXXX ACCOUNT CLOSED BY XXXX XXXX Reporting Concerns : The account reflects a Charge-Off status, yet the balance is {$0.00} and it is marked as Paid Charge-Off. 
If the balance was fully satisfied, the account should be updated as Paid in Full or Settled, not remain under a generic derogatory status. 
There is a lack of continuity in the delinquency reporting, with only XXXX late payments shown ( XXXX  days in XXXX XXXX XXXX days in XX/XX/XXXX ) yet a charge-off was recorded in XX/XX/XXXX, nearly XXXX years later with no data in between. 
Requested Resolution : Replace Charge-Off status with appropriate closure language : Paid Charge-Off ( with correct Metro 2 status code ), or Paid in Full / Settled for Less Than Full Balance, if applicable Remove any derogatory status if the charge-off was resolved long ago and now shows {$0.00} balance Add or correct the missing payment history If accurate verification is not possible, I request that this tradeline be removed in full Please complete your reinvestigation under FCRA 611 and provide written confirmation within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
Company never reached out to inquire a 3rd party was involved in sale of debt. The account was open in terms of fraud more than one person stayed within the unit and used my name after move out and provided proof I was no longer a resident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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 a victim of identity theft. Someone has stole my identity to open up car loans, furniture bills, and cell phone. I have never gave anyone permission or authorization to open these accounts without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Information that was attained for a credit check or credit search was on proper information that was not belonging to me or that that was not caused by me. Information is actually being contained and used in the context of being accurate and therefore all this information is inaccurate. I have utilized and tried to dispute it numerous of disputes that all information that was pertaining on on each credit bureau are inaccurate information that was not updated. Also information that has not been taken off of my credit that was not my debt. Also debtors that is using my information to XXXX getting conversation from false allegations and debt that I did not calls and I have also put in a fraud alert on each credit bureau and therefore each credit bureau has not proper being utilizing the fraud alert as well as my credit freeze as well as actually been asking for all proof of debt in every aspects of these third party creditors. I have yet to get any proper information sent to me other than a copy of my credit report by the annual credit report. I have been sent false documents obtaining that all of my credit and debt is accurate and it's not so just as well as them decreasing my XXXX XXXX. Unlawfully and I have utilized and sent proper documents to each credit bureaus on these behalf

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Information that was attained for a credit check or credit search was on proper information that was not belonging to me or that that was not caused by me. Information is actually being contained and used in the context of being accurate and therefore all this information is inaccurate. I have utilized and tried to dispute it numerous of disputes that all information that was pertaining on on each credit bureau are inaccurate information that was not updated. Also information that has not been taken off of my credit that was not my debt. Also debtors that is using my information to XXXX getting conversation from false allegations and debt that I did not calls and I have also put in a fraud alert on each credit bureau and therefore each credit bureau has not proper being utilizing the fraud alert as well as my credit freeze as well as actually been asking for all proof of debt in every aspects of these third party creditors. I have yet to get any proper information sent to me other than a copy of my credit report by the annual credit report. I have been sent false documents obtaining that all of my credit and debt is accurate and it's not so just as well as them decreasing my XXXX XXXX. Unlawfully and I have utilized and sent proper documents to each credit bureaus on these behalf

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 2025-05-17 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding a significant and unexplained decrease in my TransUnion credit score. On or around XX/XX/year>, my TransUnion credit score dropped by over XXXX points, despite no changes in my financial behavior or credit profile. I have attempted to understand this issue, but have not received a satisfactory explanation from TransUnion, nor have I observed any corrections to my credit score.

Relevant Details : Date of Credit Score Drop : XX/XX/year> Score Decrease : Over XXXX points Account Behavior and Credit Standing : I have not made any new purchases or opened new credit accounts. 
I have no missed or late payments on any of my accounts. 
My credit utilization is consistently maintained at 1 %. 
No additional hard inquiries or credit checks were made during this time. 
Impact and Concerns : This sudden drop in my credit score has caused significant concern, especially as it occurred without any justifiable reason related to my financial behavior. Given that credit scores play a crucial role in financial decisions, I am concerned about how this unexplained decrease could affect my future financial standing. 

I have reviewed my TransUnion credit report and confirmed there are no signs of missed payments, excessive credit utilization, or new credit inquiries that would justify this score change. I suspect there may be an error in the way my credit information was processed or reported by TransUnion.

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 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XXXX2025 I invoiced a client using XXXX merchant services, in the amount of {$210.00}, the invoice was paid by my client on XXXX2025 for the amount of {$210.00}, on XXXX/2025 XXXX transfered the amount of {$200.00} was transferred to my XXXX to a closed bank account, that I had attached to my XXXX  yo account. XXXX immediately rejected the payment, which means they never received it. On the XXXX of XXXX I began calling XXXX about the apply the funds back to my account. I have called more than 11 times, no ones answers the phone, I am always redirected to an online chat where each XXXX I have been told to wait 7 then 10 days then 14 days, then they started telling me chat support could t help with the issue I was having. I was then told to call the same number again, which is XXXX ( XXXX ) XXXX, that my number was added to a call list, so when I call they will answer, that didnt happen, I called 3 times after that. Then I emailed through the portal in my online dashboard and someone emailed me and told me they also dont handle the issue I am having, and to email again and Ive heard nothing back. They still owe me {$200.00} and have yet to add the funds back to my account. I would greatly appreciate assistance from you to retrieve the funds Im owed from XXXX. I can provide additional proof or information if necessary. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed incorrect balance information reported from XXXX XXXX XXXX. I have used experian to assist in disputes and each time the company fails to provide any actual details, just the results. I disputed information regarding XXXX XXXX XXXX a total of 5 times. Each had the results accessible online with the exception of the report submitted XX/XX/year> report number XXXX. Information regarding this dispute was NOT made available online, mailed or emailed. Instead the result stated that I need to call experian regarding the results. I called 8 times over XXXX and XXXX, as well as tried to dispute the incorrect balance information several times. No response or assistance from 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