vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
Hello, I am submitting this complaint concerning the fraudulent items found in Experian and Equifax Credit Bureaus. I am requesting once again for the removal of these fraudulent items from my credit file. Please review the list of fraudulent items that I would like to be removed in my next update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX BLINC XXXXXXXX XXXX XXXX  Balance : {$0.00} - tied up XXXX XXXX  XXXX XXXX * * * Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$450.00} CAP XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am currently XXXX  and my Capital One XXXX card ending in XXXX was stolen via a tampered ATM. Fraudulent charges appeared on my account. I initially planned to wait until returning to the U.S. to resolve the issue, but due to medical reasons, I am unable to fly back and must remain abroad longer than expected. 

I attempted to dispute the charges and report the card stolen through Capital Ones website and app, but both directed me to call a U.S. number. I do not have international phone access or the ability to wait on hold, as my limited mobile minutes are reserved for emergencies. 

Capital One does not provide any secure written support channel, such as secure messaging or email ( outside of unsecured message via XXXX  ). I also do not feel comfortable being forced to share personal account info through XXXX or public platforms. 

I am requesting CFPB assistance in compelling Capital One to contact me through a secure written channel so I can dispute fraudulent charges, report my card stolen, and protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MO

Complaint narrative:
I am filing this complaint against Equifax, and by extension Experian and TransUnion, for their failure to block and remove unauthorized and fraudulent hard inquiries that appeared on my credit reports. These inquiries are the result of identity theft stemming from the Equifax data breach, which exposed my personally identifiable information, including my full name, date of birth, and Social Security number. 

These hard inquiries were not authorized by me, and I did not apply for credit with the creditors associated with these inquiries. I have submitted disputes and identity theft claims, yet the inquiries remain on my reports in violation of my rights under federal law. 

Applicable Consumer Protection Laws 1. FCRA 605A Blocking of Information Resulting from Identity Theft ( 15 U.S.C. 1681c2 ) Under this section of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is required to block information resulting from identity theft no later than four business days after receiving : Proof of identity A copy of an identity theft report ( such as a police report or FTC affidavit ) Identification of the fraudulent information A statement that the information was not initiated by the consumer I have provided the required documentation, including notice that these inquiries were unauthorized and related to identity theft. Equifax has failed to block these inquiries as required under 15 U.S.C. 1681c-2 ( c ), and Experian and TransUnion have failed to remove the same inquiries despite notice of their fraudulent nature.

2. FCRA 604 ( a ) ( 3 ) Permissible Purpose ( 15 U.S.C. 1681b ) Credit reporting agencies are prohibited from releasing a consumers credit file unless there is a permissible purpose under the law. I never authorized or applied for credit with the entities listed in the fraudulent inquiries, and therefore no permissible purpose existed for any of these inquiries. Reporting these inquiries is a direct violation of 15 U.S.C. 1681b ( f ), which prohibits access to a consumer report without a legitimate business need or consumer consent.

3. Failure to Investigate and Correct Inaccuracies ( FCRA 611, 15 U.S.C. 1681i ) I disputed these inquiries and identified them as fraudulent, yet the credit reporting agencies have not removed them. They have failed to conduct a reasonable reinvestigation or provide any evidence of consumer authorization. This is a violation of their obligation to investigate disputed information and remove unverifiable items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MO

Complaint narrative:
I am filing this complaint against Equifax, and by extension Experian and TransUnion, for their failure to block and remove unauthorized and fraudulent hard inquiries that appeared on my credit reports. These inquiries are the result of identity theft stemming from the Equifax data breach, which exposed my personally identifiable information, including my full name, date of birth, and Social Security number. 

These hard inquiries were not authorized by me, and I did not apply for credit with the creditors associated with these inquiries. I have submitted disputes and identity theft claims, yet the inquiries remain on my reports in violation of my rights under federal law. 

Applicable Consumer Protection Laws 1. FCRA 605A Blocking of Information Resulting from Identity Theft ( 15 U.S.C. 1681c2 ) Under this section of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is required to block information resulting from identity theft no later than four business days after receiving : Proof of identity A copy of an identity theft report ( such as a police report or FTC affidavit ) Identification of the fraudulent information A statement that the information was not initiated by the consumer I have provided the required documentation, including notice that these inquiries were unauthorized and related to identity theft. Equifax has failed to block these inquiries as required under 15 U.S.C. 1681c-2 ( c ), and Experian and TransUnion have failed to remove the same inquiries despite notice of their fraudulent nature.

2. FCRA 604 ( a ) ( 3 ) Permissible Purpose ( 15 U.S.C. 1681b ) Credit reporting agencies are prohibited from releasing a consumers credit file unless there is a permissible purpose under the law. I never authorized or applied for credit with the entities listed in the fraudulent inquiries, and therefore no permissible purpose existed for any of these inquiries. Reporting these inquiries is a direct violation of 15 U.S.C. 1681b ( f ), which prohibits access to a consumer report without a legitimate business need or consumer consent.

3. Failure to Investigate and Correct Inaccuracies ( FCRA 611, 15 U.S.C. 1681i ) I disputed these inquiries and identified them as fraudulent, yet the credit reporting agencies have not removed them. They have failed to conduct a reasonable reinvestigation or provide any evidence of consumer authorization. This is a violation of their obligation to investigate disputed information and remove unverifiable items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
I am sending this complaint to request immediate correction of the erroneous status of my account, which has been neglected despite my previous communications. To date, I have not received any response, and the inaccurate information continues to appear on my reports. 
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 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 2025-05-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I have a major issue with Bank of Hawaii Corporation XXXX XXXX. Who has repeatedly denied me access to my investments account, cash deposit account or my savings account etc.. Moreover for the past XXXX now and I've had enough of being denied, neglected and my money abused. Therefore everyone is to be fired until I resolved this problem with the Bank. Throughout the XXXX I've wrote numerous of letters and called numerous of times. I even left messages with the Bank of Hawaii XXXX XXXX XXXX XXXX XXXX XXXX XXXX to no avail. This ends immediately and I am not wasting no more years for anyone. I have my account number to prove that " I am the Funding financial institutions accounts owner ''. Whos also the 100 % percent shareholder. In fact I received my yearly audit during the year of XXXX. Which clearly showed that the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and the rest of the board members were trying to steal XXXX XXXX XXXX XXXX of my american currency. That was performed by The United States Securities And Exchange Commission Director. Do to the numbers not adding up. An when confronted by The United States Securities and Exchange Commission Director. The XXXX XXXX dollars was indeed deposited back into my account. Thereby I even paid the Bank of Hawaii Corporations Bank deficit according to my yearly audit received in XXXX. So until I am treated like a funding financial institutions accounts owner. Nothing is to be touched of mine in my name : XXXX XXXX XXXX XXXX XXXX from this point on. Until my issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
They are inquiries and collection from debt collection company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Identity Theft Victim under FCRA To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. I am a victim of identity theft, and these inquiries were not initiated, authorized, or consented to by me. 

Unauthorized Inquiries to Be Removed : XXXX. TransUnion : XXXX XXXXXXXX XX/XX/XXXX XXXX. Equifax : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. Experian : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my knowledge or consent and are unrelated to any credit application I have submitted. Therefore, they are a violation of Section 604 of the FCRA ( 15 U.S. Code 1681b ), which limits access to consumer reports to entities that have a permissible purpose and consumer consent.

Legal Grounds for My Request : FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ) : A consumer reporting agency may furnish a consumer report only for specific permissible purposes and only with the consumer 's consent when applicable.

FCRA 611 ( 15 U.S.C. 1681i ) : Grants the consumer the right to dispute any item on their credit report that is inaccurate or incomplete.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 

Case Law : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces the consumers right to dispute inaccurate information. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Affirms that consumer reporting agencies must delete disputed information that is not verified. 

Attached Documents : Copy of government-issued passport photo Proof of address ( utility bill & Lease ) Copy of my credit report with the unauthorized inquiries highlighted Identity Theft Report from XXXX Requested Action : I am formally requesting : Immediate investigation into the listed hard inquiries. 
Removal of the unauthorized inquiries from my credit file. 
A written confirmation of the outcome of your investigation. 

Please be advised that under FCRA XXXX, you have 30 days to complete your investigation and respond in writing. Failure to comply may result in legal action or a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending this complaint in response to your current evaluation. I have to pursue my efforts to resolve this matter which require intentness to my personal credit report. I am frustrated and feel there is error that is still reported on my personal credit report which is not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the remedy to my personal credit report and dispute the remaining account to be REPAIRED. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: PA

Complaint narrative:
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 , remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at 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 {$3000.00} These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief