vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: AZ

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is unable to be registered due to a pending duplicate title at the XXXX. XXXX states that the duplicate title needs to be completed or canceled by Ally Financial in order for the vehicle to be registered. Ally states that they do not have a duplicate title but that they told the XXXX to cancel whatever they have on file. The previous registration expired on XX/XX/XXXX. Ally Financial ordered a title from the state on XX/XX/XXXX after I made a phone call to them. Ally Financial also states that a duplicate title was ordered in XXXX of XXXX but that issue has been resolved previously. XXXX from Ally ( XXXX ) told me the issue should be resolved by XX/XX/XXXX, she then closed the complaint. The issue has still not been resolved and the XXXX is stating that there is a still a pending duplicate title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
validation of debt. 
showing proof that they are entitled to collect in my state. 
proof of my signature showing that i would pay such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
My boyfriend used me to make the money transfer instead of himself and scammed me into foolishly creating a Western Union account and now Im unfairly stuck with the bill to pay Western Union fees totaling {$10000.00} and I dont have that money he has to be responsible to pay it or give me the money to pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cashapp ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection ACT ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
This record of late payments is erroneous and does not accurately reflect my regular payment patterns. I have consistently made my payments on time, and I ask that it be deleted to guarantee that my account is reflecting correct information.

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 2025-05-21 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: CA

Complaint narrative:
Im contacting you about inquiries showing on my credit report that I did not authorize. This is a case of fraudulent use of my identity, and I had no involvement with these inquiries whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A credit account was fraudulently opened with Capital One. Another account with Credit was altered fraudulently. Another account with XXXX XXXX was opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-21 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
An XXXX doctor ( XXXX XXXX ) sent an old bill ( for a very brief consultation ) to a debt collector. The bill couldn't be paid for by my health insurance anymore, because they ( XXXX XXXX ) have since closed down in XXXX. We had no opportunity to dispute the bill. The collector put us in an impossible situation, suing us, and insisting on ( paid ) mediation. We ended up paying {$600.00}, although we were not at fault. I've learned that this doctor and debt collector have done this to many other patients too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: VI

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: VI

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXXXXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
I am filing this complaint to report a fraudulent judgment filed against me by Tenaglia & Hunt , PA, acting on behalf of XXXX XXXX XXXX XXXX This judgment stems from an account I never opened, authorized, or benefited from. I am a victim of identity theft, and someone used my personal information without my consent to open this account, which led to civil case DC-016000-24. Despite submitting multiple disputes and documentation proving the account is not mine, a legal action was wrongfully initiated and a judgment entered in my name. This is a serious violation of the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1692e, it is illegal to use false, deceptive, or misleading representations in connection with debt collection. Pursuing a judgment against a victim of identity theft is the very definition of false representation. Additionally, 15 U.S.C. 1692f prohibits unfair or unconscionable methods to collect debts, including filing a lawsuit based on fraudulent data. It also violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681c-2, I have the right to block fraudulent information from appearing on my credit report. Under 15 U.S.C. 1681b, no one may access or use my consumer report without a permissible purpose. Since this lawsuit was based on stolen identity, there was no valid reason to access or report my information. THIS DEBT IS NOT MINE. The account was fraudulently opened, and the judgment was obtained under false pretenses. I am demanding that this judgment be vacated immediately and removed from all public records, credit files, and databases. I am not legally responsible for this debt. I am asking the Consumer Financial Protection Bureau ( CFPB ) to take immediate action against Tenaglia & Hunt , PA and XXXX XXXX XXXX XXXX for their willful noncompliance with federal consumer protection laws. This situation has caused me immense harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I used Zelle to pay for a service. In return, the guy never sent me the service after I paid {$150.00} for it and he blocked me and we never spoke again. I would like my money back if I could since I just got it yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I am submitting a follow-up complaint against Kia Motors Finance regarding an account they continue to report on my credit file in a misleading and legally non-compliant manner. 

I originally submitted a complaint to the CFPB on XX/XX/year>. XXXX responded only with a basic bill and payment history, which did not include any of the following legally required documents : A copy of the signed agreement A chain of title or assignment proving they legally own the debt An itemized breakdown of how the balance was calculated Any evidence of Pooling and Servicing Agreements ( XXXX ) if the debt was securitized In response to this incomplete validation, I sent Kia a formal debt validation and deletion letter on XX/XX/year>, which was received on XX/XX/year> via certified mail. I included a XXXX deadline for full documentation or deletion of the tradeline. As of today, Kia has not provided a valid response.

Even worse, Kia is reporting this account with multiple overlapping derogatory remarks to the credit bureaus, including : Charge-Off Collections Profit and Loss Write-Off This kind of layered reporting is misleading, excessive, and unfairly damages my creditworthiness. It creates the false appearance that multiple separate negative actions occurred, when in fact the issue is one account with a single default. This infringement violates the FCRAs requirement under 15 U.S.C. 1681e ( b ) to report with the maximum possible accuracy.

Additionally, Kia has continued to report this account monthly, even though it was charged off, which falsely suggests ongoing delinquency and further damages my file.

Additionally, I am a documented victim of identity theft and a data breach. I have already filed an FTC Identity Theft Report, and this raises serious concerns about the accuracy and security of any personal data being used to report this account. Given this, Kias failure to validate the account with proper documentation is even more concerning, and I request full deletion under both the FCRA and FTC Identity Theft Rules.

I am demanding that the CFPB investigate and instruct Kia Motors Finance to either : Immediately remove this tradeline from all credit reporting agencies due to failure to verify under 15 U.S.C. 1681s-2 ( b ) I have attached a copy of my XX/XX/year> final demand letter, the certified mail green card, and Kias incomplete validation response.

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 2025-05-21 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: Velocity Portfolio Group
State: TN

Complaint narrative:
I have acocunt for XXXX XXXX account number XXXX i have disputed this account multiple times but theyn fail to investigate the account and the relevant documents. but instead of doing their job they are apparently just commenting that my dispute is was updated from the previois date of the last dispute that was also incorrectly managed. now just about 8 years later from causing issues on my credit report for this entire time. they still refuse to accurately update my report. as per the law reporting companies are required to follow " reasonable procedures to assure maximum possible accuracy '' of the information. but now its finally reached statute of limitations and i need this account as well as the other account thats the same account thats been riding on my credit inaccurately for 8 yeras now to pleasse be removed too its Cks Prime investments llc open XX/XX/year> debt buyer account account number XXXX. 
please remove both of these accounts today they have caused me more than enough burden.

Company response to consumer: Closed with explanation