vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: VA

Complaint narrative:
I am writing to dispute several fraudulent accounts that have appeared on my credit report. These accounts do not belong to me and were opened without my authorization. I respectfully request that you remove them from my credit report IMMEDIATELY THEY ARE BRINGING ME FINANCIAL HARDSHIP. 

The accounts in question are as follows XXXX XXXX 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 I have taken the necessary steps to report this fraudulent activity to the appropriate authorities, and I have also filed a report with the Federal Trade Commission ( FTC ) and have included the FTC along with my complaint

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 2025-03-20 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: VA

Complaint narrative:
I am writing to dispute several fraudulent accounts that have appeared on my credit report. These accounts do not belong to me and were opened without my authorization. I respectfully request that you remove them from my credit report IMMEDIATELY THEY ARE BRINGING ME FINANCIAL HARDSHIP. 

The accounts in question are as follows XXXX XXXX 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 I have taken the necessary steps to report this fraudulent activity to the appropriate authorities, and I have also filed a report with the Federal Trade Commission ( FTC ) and have included the FTC along with my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CO

Complaint narrative:
I attempted to cash a check with cash app services on last Friday the XXXX. They quote a delay of up to XXXX business days. Then I noticed at some point this week that they had a XXXX frame quoted to me now with that check deposit stating that I would receive it on Friday The XXXX. Being that that's XXXX business days, I reached out to them asking for an explanation. At first they tried telling me that it's less than XXXX business days when I pointed it out to them in the emails that I can provide They pivoted to it being up to XXXX business days and up to XXXX business days maximum. They also specified that mine would be Friday XXXXXXXX XXXX And XXXX seconds. They also stated that my check had been accepted. I asked them to come up with a reason for the delay if it had been accepted And they had an exact time that I would get it. Why are they delaying it another day? They reiterated the same statement about XXXX on Friday and it being XXXX to XXXX business days now. Then they closed the support ticket as they viewed it being resolved. This is unacceptable levels of support in the banking world. They can't explain why they know for a fact that I'll get it tomorrow And that it has been confirmed and accepted. But they want to delay my funds another day? It seems .... XXXX. 

XXXX final thing to note is that they consistently add different verbiage to the beginning of the copy pasted emails always describing how they understand finances are a frustration and implying that people are dealing with stressful financial situations and That's why they're reaching out/pressing for a real answer. It's derogatory, It's disgusting, and it's no professional reply. I don't need you giving me sympathy for why my check has not been cleared. Acting like I'm going after the finances instead of just going after what's right. It's humiliating and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
XX/XX/year> Ally Bank Car Loans I have been having the worst experience with this company. I've made multiple payments in a month 's time for my car, and they don't call to ask if I want the extra money applied to the next month 's payment or to the principal of the loan ; they automatically apply it to the principal. Making this mistake multiple times without knowing any better, I'm figuring I'm anywhere from three to six months ahead with my payments. When I go to find out, I'm not, and now I'm three or four months behind, they repossess my car and tell me it takes five days for a notice to generate to see what I owe so they can add on interest and whatever else they can to get my car back. In what world today does it take five days to see what a past due amount owed is? This is unacceptable. No other company takes that long ; everyone else can pay the past due and pick up their car the same day. The issue is they want the car to sit somewhere for multiple days so the tow company gets paid for those five days. There's a one-time fee they claim and no other charges per day. They must have a very large payment arrangement with this tow company for it to have to sit on their lot for five days. Each representative is less informed than the last ; they don't know what they are talking about, each one gives you different information to the same question, and they keep putting you on hold and disconnecting you, so you have to keep repeating yourself every single time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, 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 a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 explanation
Consumer complaint received 2025-03-20 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, 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 a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I demand proof Transunion contacted the FTC to verify my affidavit and the name and address of the persons contacted to validate the reinstated account or delete this fraudulent account. FCRA 611 15 U.S.C 16811.

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts that have appeared on my FICO TransUnion credit report, which I do not recognize and believe are the result of identity theft. The fraudulent accounts include a collection opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These fraudulent accounts have led to multiple unauthorized hard inquiries and collections appearing on my credit report. I demand the immediate removal of these fraudulent items from my credit reports and the cessation of any collection activity related to them, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-20 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: VA

Complaint narrative:
I am writing to dispute several fraudulent accounts that have appeared on my credit report. These accounts do not belong to me and were opened without my authorization. I respectfully request that you remove them from my credit report IMMEDIATELY THEY ARE BRINGING ME FINANCIAL HARDSHIP. 

The accounts in question are as follows XXXX XXXX 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 I have taken the necessary steps to report this fraudulent activity to the appropriate authorities, and I have also filed a report with the Federal Trade Commission ( FTC ) and have included the FTC along with my complaint

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 2025-03-20 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:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute multiple unauthorized hard inquiries that appear on my credit report. Upon reviewing my report, I noticed the following inquiries, which I did not authorize : Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy Credit Federal Union XXXX XXXX XXXX XXXX XXXXXXXX I did not apply for credit or give written consent for these inquiries, and under the Fair Credit Reporting Act ( FCRA ), any hard inquiry must have my explicit authorization. Since I did not initiate or approve these inquiries, I am requesting their immediate removal. 

Actions Taken : I contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to dispute these inquiries. However, they stated that I must contact the companies that placed them. 
I reached out to the companies listed above, but they failed to provide proof of my authorization. 
As a result, I am escalating this issue to the Consumer Financial Protection Bureau for further investigation and resolution. 
Under FCRA 604, any company that performs a hard inquiry without my permission is in violation of federal law. If these inquiries are not removed, I will be forced to escalate the matter further, including filing a complaint with the Federal Trade Commission ( FTC ) and considering legal action. 

I request that the companies involved provide documented proof of my signed authorization for each inquiry. If no such documentation exists, I expect the immediate removal of these unauthorized inquiries from my credit file. 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
'M A VICTIM OF IDENITY THEFT I DIDNT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION TO APPLY THE ACCOUNT LISTED IN THIS REPORT. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. TRANSUNION HAS TAKING THIS ACCOUNT OFF 3 TIMES AND PUT BACK ON 3 TIMES THIS VIOLATED THE FCRA LAWS FOR NOT ASSURING ME MAXIMUM ACCURACY AND PUTTING PREVIOUSLY BLOKED AND DELETED ITEMS BACK ON MY CREDIT REPORT ESPECIALLY WHEN IT COMES TO IDENTITY THEFT. 
I ASKED TRANSUNION TO SHOW ME PROOF OF ME APPLING FOR THIS CREDIT CARD BY PROVING ME A COPY OF MY DRIVERS LICENSE, SOCIAL SECURTY CARD AND SIGNATURE PROOF THAT I APPLIED FOR THE CREDIT CARD LISTED.

VIA BY MAIL, EMAIL OR PORTAL I NEVER RECEIVED ANYTHING.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I received an email on my XXXX account from two home service providers ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I received several emails being apart of a class action lawsuit regarding hacked servers that had proprietary consumer account unique identifier information that was exposed on the dark web using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These hacks caused unauthorized debt to be posted to my personal line of credit in associated with the last four digits of my SSN being used to uniquely identify myself when calling customer service. These hacks have caused financial harm to my own personal life and I am asking the leading credit bureau Experian to delete reported items due to a violation of privacy laws by the Federal Trade Commission.

In addition to this complaint, there is an unauthorized auto loan currently being posted to my credit I need removed due to unauthorized use of my personal unique identification such as my SSN to obtain lines of credit. 

This letter formally addresses an unauthorized auto loan appearing on my credit report. I am writing to dispute this entry and request its immediate removal. The loan was obtained fraudulently using my personal identifying information, specifically my Social Security number ( XXXX ), without my knowledge or consent. This constitutes a serious breach of my personal data and is causing significant financial harm. 

I have attached a copy of my credit report highlighting the fraudulent auto loan. I request a full investigation into this matter and confirmation of the steps you will take to rectify this situation. I expect the inaccurate and unauthorized loan to be removed from my credit report promptly. Furthermore, I would appreciate a detailed explanation of how my SSN was compromised and what measures are being implemented to prevent future occurrences of this nature.

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