vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint because multiple companies accessed my credit reports through hard inquiries without my authorization, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( Permissible Purpose ) and 15 U.S.C. 1681c-1 ( Right to Block Unauthorized Access ).

I did not initiate any credit applications with these companies, nor did I provide written, electronic, or verbal consent for them to obtain my consumer report. These entities had no permissible purpose under FCRA to access my credit file, and their actions constitute unauthorized credit access. 

List of Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are negatively affecting my credit profile and were not resolved when I disputed them through the credit bureaus. The bureaus failed to perform a proper investigation in accordance with FCRA 1681i ( Reinvestigation of Disputed Information ).

Legal Basis of My Complaint : 1. FCRA 604 ( a ) requires a creditor to have a permissible purpose before pulling a credit report. These companies lacked such purpose.

2. FCRA 609 ( e ) gives me the right to request verification of authorization. None of these creditors have provided signed authorization.

3. FCRA 611 requires the credit bureaus to conduct a reasonable reinvestigation. They did not.

4. FCRA 616617 outlines civil liability for willful or negligent noncompliance with the FCRA. I am being harmed by these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal withdrew {$2900.00} from my checking account on XX/XX/XXXX for a Navy Federal credit card that Navy Federal had already closed and charged off over a year ago. The account was included in my XX/XX/XXXX bankruptcy filing ( dismissed XX/XX/XXXX ). I never missed a payment and was never in default prior to Navy Federal closing the account. 

I did not authorize any ACH debit, auto-pay, or internal transfer. This was an unauthorized electronic funds transfer in violation of the Electronic Funds Transfer Act ( Regulation E ). Navy Federal had no authority to sweep funds from my checking account.

Additionally, Navy Federals statutory lien/setoff rights were extinguished when I filed bankruptcy and can not be revived after dismissal without a reaffirmation agreement, which does not exist. Navy Federals action constitutes an improper post-bankruptcy setoff and a violation of federal credit union regulations.

I am requesting that Navy Federal immediately refund the {$2900.00} and confirm that no further unauthorized withdrawals will occur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PR

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

This is the only address that should show on my credit report. 

Please update my name to : XXXX XXXX XXXX XXXXThis is the only name that should show on my credit report. 

My only and correct Date of Birth : XX/XX/year> My SS XXXX XXXX XXXX My only Telephone : ( XXXX ) XXXX. I do not wish to have any other telephone numbers on my credit report. 

Please remove all the other addresses off my credit report as they are not deliverable to me by the U.S. post office. They are not reportable as per the FCRA since they are inaccurate. Therefore, it must be removed immediately. 

I demand my social security number and date of birth removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( A ) ( 4 ), I am a federally protected consumer and i have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
I saw that the same inaccurate accounts continue to show up on my credit report and nothing has been taken off. I am urgently asking for a full review of the documents I sent because I truly need this situation to be over so I can finally feel some peace.

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: MS

Complaint narrative:
I WOULD LIKE TO ADVISE THAT THIS IS THE 2ND COMPLAINT THAT I HAVE FILED AGAINST THIS SAME COMPANY FOR THE SAME ISSUE AND SAME PROBLEM I HAVE NEVER TAKEN OUT ANY XXXX ACCOUNTS OR MEMBERSHIP. I HAVE NOT EVER GONE TO ANY XXXX XXXX  OR OPENED, OR SET UP ANY MEMEBERSHIP WITH THIS GYM. 
ALDOUS & ASSOCIATES REACH OUT TO ME ALL TIMES OF THE DAY AND THEIR EMPLOYEES ARE CONTACTING ME DEMANDING ME TO PAY ON A CLOSED GYM MEMBERSHIP THAT I HAVE NEVER HAD. I ASKED THEM TO PROVIDE ME WITH SOME PROOF OF THIS, NONE OF THE REPS COULD. I EVEN SAT ON THE PHONE WITH DIFFERENT REPS AND THE XXXX XXXX  IN XXXX, MS , WHO THE GYM MANAGER CONFIRMED THAT THEY DO NOT SHOW ME PHYSICALLY COMING INSIDE TO OPEN UP A ACCOUNT, DO NOT HAVE MY INFORMATION, NEITHER HAVE MY DRIVER LICENSE, OR ID PHOTO ON FILE. 
XXXXTHIS IS THE 2ND ACCOUNT THAT ALDOUS & ASSOCIATES IS STATING THAT I HAVE OPENED AND I HAVE CONFIRMED AGAIN WITH THE GYM DIRECTLY THAT THIS IS IDENTY THEFT OR FRAUD, AS THEY DO NOT EVEN HAVE ANY OF MY INFROMATION, OR SHOW ME EVER STEPPING INSIDE OF THEIR BUSINESS.

-I HAVE ASKED ALDOUS AND ASSOCIATES TO STOP CONTACTING ME AND HARRASING ME BUT THEY WILL NOT.

-I WAS HARRASSED TONIGHT AT XXXX XXXX  BY AN ALDOUS CUSTOMER SERVICE REP, WHO WOULD NOT LISTEN TO ME, AND TOLD ME THAT I WILL HAVE TO PAY THIS REGARDLESS, AND IT DOESN'T MATTER IF I DID NOT SIGN UP FOR IT. 
-THE ACCOUNT NUMBER PROVIDED TO ME WAS XXXX  XXXX AND THE REP DEMANDED THAT I PAY {$200.00} AND STATED THAT THEY WOULD SUE ME AND ADD THIS DEBT TO MY CREDIT SCORE. THE REP ALSO ADVISED THAT THEY WOULD CONTINUE TO CALL AND WOULD NOT STOP HARRASSING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NJ

Complaint narrative:
On XXXX, and XX/XX/year> CASH APP withdrew payments claiming to be going towards my over draft balance. I do not have an overdraft balance with Cash App. Actually I do not even qualify to use any over draft with my cash app because I do not have a set up direct deposit with them PER MY CASH APP ACCOUNT. It clearly states I do not qualify to use any kind of over draft. So I want to know where did my money go? IF MY ACCOUNT IS NOT OVER DRAFTED why is my money being taken claiming to repay this balance I reached out many times and they just discarded it giving me quoted answers. This is pathetic in this economy people are scamming single mothers. DONT EVER USE CASH APP THEY ARE SICK!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
Formal Demand to Block Fraudulent Account Under FCRA 605B Identity Theft Victim Notification This is a formal follow-up regarding unresolved fraudulent account that remain on my Equifax credit report despite multiple disputes. I got a letter from Equifax that violates my rights under the FCRA. This letter is not a repeat of prior submissions it includes documentation and a renewed demand for legal compliance under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ).

I am a victim of identity theft. The following account was opened without my knowledge or consent : XXXX XXXX XXXX, date opened XX/XX/year> ( ACCOUNT NUMBER - XXXXXXXX XXXX XXXX XXXX XXXX ). 
XXXX, date opened XX/XX/year> ( ACCOUNT NUMBER - XXXXXXXX XXXX XXXX XXXX XXXX ). 

This account was fraudulently created and does not belong to me. I have never entered into any relationship with this creditor. I am invoking my rights under FCRA 605B, which legally requires that credit bureau block this item from my credit file within four ( 4 ) business days after receipt of this letter.

This submission is fully compliant with all documentation requirements under the FCRA. As such, credit burau is not legally permitted to reject or ignore this request, nor to claim this dispute is frivolous.

Please confirm in writing that this fraudulent account has been permanently removed from my file and blocked from future reporting.

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NV

Complaint narrative:
I am filing a complaint about a collection account being reported by XXXX XXXX XXXX. This debt was already charged off and reported by XXXX XXXX, who sold the account. Now it is being reported again as a collection by XXXX, resulting in duplicate reporting for the same debt. This is unfair and inaccurate, and violates the Fair Credit Reporting Act ( FCRA ). I previously disputed this with Experian, XXXX XXXX XXXX  but the bureaus did not correct it. I am requesting that this account be removed from all credit 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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I was sent an email by XXXX XXXX and I immediately called her about the email. There was no answer son I left a message. Didnt return my call so I decided to call back. No answer! I left another message stating that this is the issue that were having they are being difficult on resolving the issue. They sent me an email and I immediately called them. This is what I was speaking of regarding the company. All of this issue could have been avoided by sending an email and I returned the call. They didnt have to repossess my vehicle. 
Now they arent responding back to me!!! 
This is seems like a scam from Bridgecrest! 

Im attaching the call log where I tried to call XXXX XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I have had an HSA account with Optum for several years. I haven't been able to access the account for weeks, and get an error message that my account is " temporarily '' unavailable. I tried to get help accessing my account several times, and was unsuccessful. I called twice on XX/XX/year> seeking to liquidating my account, and was unable to get any help. I was on hold for more than an hour. I was told that I could liquidate my account which of course I can't access. I was told only a supervisor could liquidate my account if I couldn't access it. Despite holding for more than an hour over two calls, no supervisor was available. I want my funds liquidated and want to be done with them. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I have 3 Credit carda with AMEX. One of them, which was the first one I opened has a credit limit of {$1000.00}. The AMEX Gold and Platinum had no spending limits when I opened them. After using and asking how much purchase power for cards had, I went ahead and made some purchases. After paying the cards off AMEX went ahead and put spending limits on both cards. I chatted and could not get a valid reason why. If I got the cards to use them but got penalized on using them. I sucked it up and still used them to the spending limit. When I went to use the AMEX gold today it got an email saying I was close to my spending limits. Which was weird since I still had another {$1500.00} before the limit. Come to find out on XX/XX/year> they decreased my spending limits, when I asked why they still couldnt provide a valid reason. Never had a late payment, always pay on time. Only banking company I have that keep doing things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: UT

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-04 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: Global Lending Services LLC
State: NY

Complaint narrative:
I am submitting this complaint because several companies have placed hard inquiries on my credit reports without my authorization, without permissible purpose, and without a signed credit application from me, which is a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. 

These unauthorized inquiries are negatively impacting my credit score and ability to obtain credit. Despite my attempts to resolve this directly with the reporting bureaus and the companies involved, the inquiries remain. 

The following hard inquiries were NOT authorized by me and must be investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Details of Complaint I did not apply for credit with these companies. 

I did not give verbal, electronic, or written permission to pull my credit. 

These companies can not provide a signed credit application or any verification proving that I authorized these inquiries. 

Under FCRA 604 ( a ), a creditor must have a permissible purpose, which they did not. 


I contacted the credit bureaus to dispute these inquiries, but the disputes were not resolved properly. I am requesting the CFPB to conduct an investigation and enforce compliance with FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NV

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: MI

Complaint narrative:
This loan with XXXX  was paid off, there were 2 payments made the first one was on XX/XX/year> for {$28000.00} and the other was on XX/XX/year> for {$700.00}. i received a payoff email ( not a letter ) on XX/XX/year> stating the loan was paid off on XX/XX/year>, this date is not correct and its prolonging the update of the account being updated to ( paid off status ) on my credit reports. My account is usually updated on my credit report the last day of every month, since the loan was paid off there has not been an update. if the account shows paid off in XXXX  system why is it not being updated on the normal schedule of the last day of every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received a credit card I did not apply for. I called the number on the back of the card and made a report. The women could not give me a report number. I want to be sure this card is cancelled as it is fraud. Someone else applied in my name.

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