vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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:
Subject : Remove Unauthorized Hard Inquiries from TransUnion Report - Identity Theft/Data Breach To Whom It May Concern, I'm filing a formal complaint to demand the immediate removal of several unauthorized hard inquiries on my TransUnion credit report. These inquiries were made without my consent and are a clear violation of the Fair Credit Reporting Act ( FCRA 604 ), which requires a permissible purpose and my explicit authorization.

I did not apply for credit with the following companies and did not approve any credit checks : - XXXX XXXX XXXX XXXX XXXX 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 are unlawful pulls, likely linked to a data breach or misuse of my information. Under FCRA 611 and 605B, I have the right to dispute and demand removal of these inquiries- and I am exercising that right now.

If these are not removed, I will escalate this with legal action for willful noncompliance under FCRA 616.

Action required : - Delete these unauthorized inquiries from my TransUnion credit report - Confirm in writing when its done Attached : screenshots, ID, and documentation ( if applicable ).

Fix this now. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last 4 Digits ) : 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Block, Inc.
State: FL

Complaint narrative:
I never had a problem with my cashapp account til a few years ago someone took my phone and and they took everything off my cashapp and I was to never able to sign back into that account in when I was able to get to the old account it want let me do anything to it. Please I need my cashapp account for my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX They got around banks to approve me and lied about my employment and ran my credit through multiple banks to get my approval without my 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
Consumer complaint received 2025-06-18 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: NJ

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

1681c-2 ) that you, the XXXXXXXX  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 XXXX NJ XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) (
5 ) ( B ) ( i ) XXXX XXXX XXXX XXXX INQUIRY, INQUIRY, INQUIRY XXXX, XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> Let me be perfectly clear : this was not a clerical error. This was a deliberate, fraudulent act that has caused me serious and measurable harm. Because of your illegal reinsertion of this account, I was denied a mortgage loan that would have allowed me to purchase my first home. Your unlawful actions have directly caused me to lose thousands of dollars in earnest money, legal fees, appraisal costs, and to suffer extreme emotional distress. I will no longer tolerate your reckless disregard of my rights. Per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you were required to do the following 1. Obtain a certification of accuracy from the furnisher of the information 2. Provide me with written notice of the reinsertion within five ( 5 ) business days You did neither.

This is an act of : Fraudulent reporting Deceptive consumer practice Intentional financial harm

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion as of XXXX has been allowing un authorized or no reason staff to view my report ever 7 to 14 days, put false information for my employer a staff member has listed my employer as cash assistance, and wrong dates on the address I have lived in the past. Transunion also has been using their 2nd department rental to report information that is not or has not been reported to any of the 3 credit bureau that are credit reports, transunion has reported a criminal history that over 15 years old and eviction that has caused me to lose money and not be able to find a place for me and my children to live. I have triedvon several occasions to speak with Transunion but I am redirected to Transunion rental because none of the information being negatively reported to these companies I applied at are on any of the 3 federal bureau reports.

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 2025-06-18 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: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I found out my account was hacked. there was a person listed as XXXX XXXX  sending or buying things from cash app but had my navy federal account listed and the transaction was on my statement as though she had my navy federal card account info. I have my physical card so this account was compromised. I reached out to navy federal and cash app and made them aware im not aware of who this person was and how they got access to my accound but over a course of a month they made several transactions I was not aware and I never received a fraud alert or anything. I made a police report to have this investigated since it was a total of XXXX navy federal denied my claim twice and never gave a reason for denial. they were rude over a XXXX month time span and over many calls I was only aware it was denied due to me reching out via message portal but still never received a reason for denial XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Roc Capital Holdings LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I received a loan from LoanFunder LLC in the amount of {$840000.00}. The loan was interest-only, and I paid XXXX XXXX/month consistently for nearly two years. I was never clearly informed by the representative ( who was a broker, not a licensed loan officer ) that in addition to the monthly interest, I would be charged a {$21000.00} extension fee every three months. While the fee was buried in the contract, it was never properly explained or disclosed during the process. 

Over time, these fees and charges began to accumulate and caused the payoff to balloon well above the original loan amount. In XX/XX/XXXX, I attempted to refinance the loan to pay it off, but the lender delayed providing a payoff statement and then presented a payoff that included over {$220000.00} in additional charges.

I have emails showing that the lender and servicing company ( XXXX XXXX XXXX XXXX repeatedly refused to waive the added fees unless I signed a new extension agreement. Their legal counsel ( XXXX XXXX ) and managing director ( XXXX XXXX ) also threatened foreclosure and personal guaranty lawsuits while simultaneously lowering the extension fee from 2.5 % to 1 %, proving their fee structure is arbitrary and used as leverage. 

I explained to them that I had a refinance approved and was ready to close, but they blocked the process by insisting I sign new documents that would lock me back into more fees. I made every effort to resolve this loan fairly. I even brought the loan current in XX/XX/XXXX after falling behind briefly from XXXX to XXXX due to their delays. 

Despite paying nearly {$300000.00} in interest and covering all expenses myself ( with no cooperation from them ), they continued to inflate the payoff. Ive lost three properties during this process and suffered financial hardship, stress, and emotional distress.

This conduct amounts to predatory lending, unfair servicing, and deceptive practices. I am requesting that the CFPB investigate XXXX XXXX and require them to : Remove all excessive fees Restore the payoff to the original {$840000.00} Stop interfering with the refinance so I can pay the loan off I have documented all communications and am ready to provide email evidence and screenshots upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a Best Buy Citibank credit card to purchase a washer and dryer using a deferred interest promotion ( no interest if paid in full within a set period ). I paid off the full amount of that purchase within the promotional period. However, because I made additional purchases on the card during that time, Citibank applied my payments to the newer charges first. 

As a result, they retroactively applied {$1400.00} in interest to the original promotional balance and refuse to remove it. This was not clearly disclosed and misrepresents how payments would be applied. I believe this is a deceptive lending practice and request a full reversal of the {$1400.00} charge. 

I have already filed a complaint with Consumer Affairs, but they were unable to help. I am now escalating this through the CFPB for resolution.

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 monetary relief
Consumer complaint received 2025-06-18 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: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-18 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: MD

Complaint narrative:
I have disputed XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and student loan accounts with Experian, Equifax, and TransUnion by mail ( XX/XX/XXXX & XX/XX/year> ), online, and through CFPB. It's been over 60 days, and I am still seeing inaccurate, reinserted ( XXXX  on experian ) unverifiable data on all three reports. 

I filed an FTC identity theft report covering XXXX, student loans, and credit cards, but none of the credit bureaus have taken it seriously. Federal law mandates the removal of FTC identity theft-related items within 4 business days, and I submitted the FTC report more than 30 days ago. 

TransUnion in particular is delaying the removal, while Experian and Equifax continue to verify false information with no validation. 

Additionally, XXXX XXXX has not provided proof of securitization or ownership of the alleged debt. They only sent basic billing statements, which do not meet legal standards for debt validation. 

As a documented victim of a data breach, I am now being further harmed by these accounts due to repeated violations of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I opened an XXXX XXXX account through XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am paying {$5000.00} through monthly payments. XXXX charged me late fees even though I made payments on the same day, just an hour after their cut-off time. I did not know about this strict time rule. They charged me multiple late fees totaling about {$80.00}. I called customer service and supervisors many times to request refunds and to explain I paid on time, but they refused to help. I also called XXXX XXXX and they redirected me back to XXXX. No one is taking responsibility or helping me. I feel this is unfair and abusive. I want the late fees fully refunded and my payment history corrected so it does not hurt my credit score. I also want better communication from XXXX so this does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the a
mount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
Im writing because there is a fraudulent inquiry showing up on my credit reportan inquiry that I did not authorize, did not initiate, and did not consent to in any way. Let me be absolutely clear : I did not apply for credit or give permission for this inquiry to be made. Whoever submitted it did so without my knowledge, and it needs to be deleted immediately. 

This is identity theft, plain and simple. Under the Fair Credit Reporting Act ( FCRA ), no one is allowed to pull a consumers credit report without a legitimate, verifiable reasonand certainly not without that persons full and informed consent. This inquiry has no permissible purpose under federal law, and it never shouldve been allowed in the first place.

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 2025-06-18 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: AZ

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 : 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 : {$600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} INQUIRIES : XXXXXXXX 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