vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized credit inquiries reported by Equifax on my credit file without my consent or any permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 

I formally disputed the following inquiries with Equifax, detailing that I had not applied for credit, and the entities involved failed to provide any signed applications, written consent, or other forms of legal authorization for the inquiries made : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Despite providing a detailed dispute letter and citing applicable laws, including XXXX XXXX. XXXX, XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ) ( A ), and XXXX, Equifax has not taken any action to delete these inquiries nor has it provided the legally required verification. 

These inquiries were not authorized by me and constitute an unauthorized access to my consumer file, in direct violation of FCRA XXXX and supported by case law such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which confirms that a credit report accessed without a permissible purpose constitutes a violation of the FCRA. 

I also emphasized that automated systems like XXXX are insufficient for resolving disputes requiring original documentation. The CFPB has criticized this automation in its guidance, and I expressly requested a manual reinvestigation, which Equifax failed to perform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I am filing this complaint to dispute multiple unauthorized hard inquiries that have appeared on my credit report issued by TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ). These inquiries were made without my knowledge, consent, or any permissible purpose as defined in 15 U.S.C. 1681b.

After contacting the companies responsible for the inquiries, I was informed that no signed applications or written authorizations exist, and there is no documentation to justify access to my credit file. These inquiries were not initiated by me and were not the result of any credit application or business transaction. They are therefore unlawful. 

Despite sending a formal dispute letter directly to TransUnion, citing the relevant FCRA provisions, the inquiries remain on my report and no valid verification has been provided. I am concerned that TransUnion relies on automated systems such as EOSCAR, which the CFPB has acknowledged are insufficient for proper verification when disputes involve documentation. This constitutes a failure to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i.

These unauthorized inquiries negatively impact my credit profile and expose me to unauthorized use of my personal information. 

List of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
Cash app reported me for fraud and closed my account and never told me why. They denied my appeal and never gave me any information on the reason for my account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MO

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-04-11 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: MO

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Friendly Finance Corporation
State: TX

Complaint narrative:
I am filing this complaint regarding a tradeline reported by Friendly Finance Corp on my XXXX credit report. The account in question relates to an automobile loan that was repossessed and resold, yet the balance being reported remains unchanged and inaccurate. 

As of XX/XX/XXXX, XXXX continues to report a past due balance of {$4700.00} and an active charge-off, despite the vehicle being sold after repossession. Under the Fair Credit Reporting Act ( FCRA XXXX ), furnishers are legally required to report complete and accurate information. The current tradeline reflects : A $ 0 monthly payment yet lists a past due amount ( a reporting contradiction ). 
A charge-off status marked in XXXX, despite the account being closed in XX/XX/XXXX ( possible illegal re-aging ). 
No documented application of the sale proceeds from the repossession to reduce the balance. 
I have made good faith attempts to request a correction or proper accounting from both Friendly Finance and XXXX. Neither party has provided validation of the reported balance or corrected the inconsistent data. According to the FCRA, unverified or incorrect information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$600.00} XXXX XXXX XXXX Balance {$23000.00} XXXX XXXX XXXXXX/XX/year> Chapter XXXX Bankruptcy XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Ygrene Energy Fund Inc.
State: CA

Complaint narrative:
I was solicited by a home improvement XXXX in XXXX. I am a victim of the " XXXX XXXX XXXX '' scheme. When in XXXX i was deceived into signing by mobile app., an agreement to have exterior paint applied to my home. i sighned something I never was able to see or read. I never saw or received the terms of the agreement. I never received an e-mail, or receipt regarding the expnse, or terms of whatever the agreement. I never signed an " agreement '' is signed a mobile app, on which I never saw an " Agreement ''. A predatory lien was subsequently placed against my property. In XXXX of XXXX I received a survey in the " Ygrene Pace Financing Settlement '' I was asked did I sign an agreement to which I answered yes ; however I never was allowed to view, or read the terms of the agreement, nor did I receive any e-mail, or receipt. I have been in this predatory loan for 8 years now, and have been paying an additional {$350.00} per month because of this on my mortagage since that time. Obviously I have already overpaid for an exterior paint job. I was found to be ineligible for compensation since I answered yes to have signed. But I never saw an agreement, nor did I ever receive any terms. I only discovered that a liend had been placed against my home when about 3 years ago I attempted to apply for a reverse mortgage. I wouldn't close because a lien was found to be in place. Only recently did I discover that I have been paying an additional {$350.00} since that time .To date I have paid more than {$38000.00} for a simple exterior paint job to my home I have been defrauded in more the aone way in this experience. How on earth can this be allowed to happen to anyhone. i am in dire straights and do not know what to do. is there some sort of charity that can come to my aid in this matter/ Wheat relief, or recourse can i find under these circumstances. I will be contacting XXXX legal Aid. my name is XXXX XXXX, my address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX.. This unjust lien that has been placed against my home places me in dire straights, i am now destitute. I am willing to agree to any terms to be relieved of this unjust burden

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: LA

Complaint narrative:
I am formally submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) due to the repeated failure of XXXX XXXX  and TransUnion to properly investigate and correct inaccurate information on my credit report. 

Despite submitting multiple disputes, along with clear supporting documentation, these credit bureaus have failed to take meaningful action to address the errors. Instead, I have received vague responses, dismissals, or automated replies that do not reflect a thorough investigation of the provided evidence. This blatant disregard for accuracy contradicts the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus conduct reasonable investigations when errors are reported. 

The presence of incorrect information on my credit report has caused significant financial harm, affecting my ability to obtain credit, secure loans, and maintain financial stability. It is unacceptable that, despite my efforts, the credit bureaus continue to neglect their legal responsibility to correct inaccurate reporting. 

I request the CFPBs immediate intervention to ensure that the credit bureaus comply with federal regulations and take proper corrective measures. I also seek clarity on what enforcement actions can be taken against these agencies for failing to uphold consumer rights. 

I appreciate the CFPBs attention to this matter and look forward to a prompt response regarding the next steps. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
The dealership ran my credit through multiple different banks without my knowledge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
The dealership ran my credit through multiple different banks without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
The dealership ran my credit through multiple different banks without my knowledge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I purchased an XXXX XXXX XXXX in XX/XX/XXXX. It was delivered to me and after a week of driving the vehicle I noticed somethings that were not right. It seemed like the steering or alignment on the vehicle was not right. I went back to the dealership for them to look at it but I was told nothing was wrong and it drove like that because it was an XXXX XXXX XXXX. In between that time the vehicle was taken to the dealer to do some minor repairs however they couldn't find any major repairs on the truck. I was not satisfied with the service because it still seemed like something was wrong with the truck. I was advised during the process of purchasing of options of trading in the truck for another vehicle. I tried this but was told I had to put down another XXXX down payment and my credit was re-ran but the new truck was the same price if not a little less than the XXXX. This was not given in detail during the buying process. Overall this was an shady deal this truck ended up being in the shop in XX/XX/XXXX for transmission issues and other issues the repair shop found. This truck was never in any condition to be on the market to be sold. We had claims and complaints with XXXX and there was never no real resolution. I asked for options of not having this vehicle but there was nothing to where it wouldn't impact my credit. I need this to be removed from my credit repot. I am requesting for this to be removed from my credit. This was not a fair deal and no one was willing to properly assist with issues I was experiencing. This placed me in a financial bind because I had to pay thousands for a rental and was only reimbursed {$280.00} out of thousands I spent out of pocket. I was expected to pay for a vehicle I was not able to drive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 filing this complaint regarding a tradeline reported by XXXX XXXX XXXX on my TransUnion credit report. The account in question relates to an automobile loan that was repossessed and resold, yet the balance being reported remains unchanged and inaccurate. 

As of XX/XX/XXXX, TransUnion continues to report a past due balance of {$4700.00} and an active charge-off, despite the vehicle being sold after repossession. Under the Fair Credit Reporting Act ( FCRA XXXX ), furnishers are legally required to report complete and accurate information. The current tradeline reflects : A $ 0 monthly payment yet lists a past due amount ( a reporting contradiction ). 
A charge-off status marked in XXXX, despite the account being closed in XX/XX/XXXX ( possible illegal re-aging ). 
No documented application of the sale proceeds from the repossession to reduce the balance. 
I have made good faith attempts to request a correction or proper accounting from both XXXX XXXX and TransUnion. Neither party has provided validation of the reported balance or corrected the inconsistent data. According to the FCRA, unverified or incorrect information must be deleted.

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