vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: AL

Complaint narrative:
I am writing a letter to formally dispute certain inquiries listed on my credit report, which I did not authorize or have any knowledge of. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 [ 15 U.S.C. 1681b ], credit reporting agencies are only permitted to include inquiries on a consumer report that were made with the consumer 's written permission or under specific legal circumstances. 
Despite submitting a dispute regarding the following item ( s ), the credit bureaus ( TransUnion, Equifax, Experian, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc. ), have either failed to remove or continues to report information that is unauthorized under FCRA although I have disputed and requested verification and/or validation but have not received anything. With my last attempt to contact Transunion, the rep stated, " It has to be over a year before they will even consider my dispute or removal of unauthorized inquiries. '' The following inquiries were made without my knowledge or authorization and should be investigated and removed from my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Experian Business Credit : XXXX XXXX, XXXX - Experian Business Credit : XXXX XXXX, XXXX I am requesting that these inquiries be deleted from my credit report immediately. If the companies that made these inquiries can not provide documented proof of my authorization, the entries must be removed in compliance with the FCRA. 
Please consider this a formal dispute of these unauthorized inquiries. I am also requesting a new copy of my credit report showing the removal of these entries once the investigation has been completed. ( I have requested this verification several times from previous disputes and never received it ).

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 2025-05-23 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: TX

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The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
The CFPB issued a Consent Order ( XXXX XXXX. XXXX ) dated XX/XX/XXXX regarding XXXX XXXX ( a product leasing company ) and its assigns and successors. The Consent Order required XXXX XXXX ( paragraph XXXX ) to close all of its consumer accounts, without regard to whether such accounts are in default, and deem the balance owed as satisfied in full. XXXX was also to grant lessees currently in possession of leased property, ownership of leased property. 

The Consent Order also ( paragraph 57 ) precludes XXXX XXXX, its assigns and successors, from attempting to collect, sell, assign or otherwise transfer any right to collect payment from any consumer who entered into a lease agreement with XXXX XXXX. 

XXXX XXXX XXXX had an ongoing business relationship with XXXX XXXX from XX/XX/XXXX through the date of the consent order, in which XXXX XXXX would assign accounts to XXXX XXXX XXXX for collection of debt. XXXX XXXX XXXX sold my account debt to XXXX XXXX XXXX on XX/XX/XXXX and they are trying to collect this debt which should have been marked as satisfied in full. 

My complaint is against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: OH

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-23 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: CA

Complaint narrative:
All three credit bureaus : Equifax, Experian, and TransUnion, were wholly unable to verify the information I provided. All three websites asked me questions about my credit such as auto loans and accounts which I never opened or inquired about.

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 2025-05-23 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: CA

Complaint narrative:
All three credit bureaus : Equifax, Experian, and TransUnion, were wholly unable to verify the information I provided. All three websites asked me questions about my credit such as auto loans and accounts which I never opened or inquired about.

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 2025-05-23 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$690.00} ; I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} ; I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-23 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$690.00} ; I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} ; I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-23 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: AL

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-05-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX with the account number XXXX, XXXX with the account number XXXX, XXXX  XXXX with the account number XXXX, Hard Inquiry from XXXX XXXX. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5, they are supposed to do this ( 5 ) treatment of innacurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that has been modified or deleted from the file of the consumer. Delete accounts XXXX  XXXX with the account number XXXX, XXXX with the account number XXXX, XXXX  XXXX with the account number XXXX, Hard Inquiry from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Lentegrity Management, LLC
State: CA

Complaint narrative:
Lentegrity is attempting to collect the wrong amount. company is reporting missed payments and full balance of loan including interest after repossessing the vehicle over a year ago. No deficiency notice was sent out to me. This account is inaccurate and void. The police were not notified per law within an hour of repossessing the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Equifax Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 
2. Outdated Address : My current residential address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly.

3. Incorrect Contact Information : Not employer is listed on my credit report. I request that my employment, XXXX XXXX XXXX the XXXX XXXX, being updated as my only job. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my my work ID Request for Confirmation : I request that Equifax investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
My paycheck was direct deposit to my account and within 45 mins of deposit someone withdrew XXXX plus XXXX out of my account. It was took out by RMTLY XXXX. I CALLED MY CARD COMPANY AND THEY SAID IT WOULD TAKE THEM A WEEK OR 2 TO GET MY REFUND TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am an authorized user on a credit card account that is not appearing on my credit report. I was added as an authorized user on the account by the primary cardholder on XX/XX/year>. The account is in good standing and should be reported to the credit bureaus under my name. 

According to 15 U.S. Code 1681i, I have the right to dispute incomplete or inaccurate information on my credit report and request an investigation. Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

I have reviewed my credit reports from XXXX XXXX XXXX XXXX  and this account is missing from the file. I have also confirmed with the creditor that I am listed as an authorized user. 

This omission negatively affects my credit profile, particularly my credit utilization and length of credit history. I believe this is an error or oversight that should be corrected. 

Attached are documents showing my status as an authorized user on the account.

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I attempted to use my cash app card to book a hotel room with the XXXXXXXX XXXX XXXX. The transaction was unsuccessful. A temporary authorization hold was placed on my account. XXXX has stated to me that they released the hold on the XXXX yet it still remains. Cash App support states that I have to wait 30 days for it to drop off. This seems inherently unfair and possibly illegal for them to be holding my money for no reason other than for them to draw interest. Once the merchant releases the hold the use of the money should be made available to me once again. I can only imagine how many hundreds of thousands of dollars they hold in this manner each year resulting in huge windfalls for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX reported a {$1600.00} delinquency on mine and my fiance 's credit reports, despite the fact that we moved out of their property over XXXX years ago. 

When we moved in, we agreed to take the unit as is due to time constraints. Our assumption is that this charge relates to mold damage and repainting, both of which were persistent issues we raised with XXXX XXXX XXXX throughout our seven-year tenancy and which were never resolved. 

When we vacated, we left behind a {$1500.00} coffee table, a marble-topped kitchen island worth {$2700.00}, and a high-quality couch, among other items. It was customary in the building for tenants to leave useful furnishings behind for neighbors with a written note. I did this and clearly stated that any unclaimed items would be removed. If the {$1600.00} charge involves removal of these items, it still should have been disclosed and itemized. 

Since this was never done, we requested an itemized breakdown from XXXX XXXX XXXX. To date, they have refused or failed to provide XXXX. Instead, they referred the matter to a debt collection agency, which now routinely contacts both me and my fiance multiple times a day and sends repeated letters, none of which explain what the debt actually pertains to. 

Under California Civil Code 1950.5 ( g ), a landlord must return the security deposit along with an itemized list of deductions within 21 calendar days after a tenant vacates the property. XXXX XXXX XXXX did not comply with this. They made no attempt to collect or clarify this alleged debt until well over a year later, far beyond the legal time frame. 

I am formally disputing the validity of this debt, the use of third-party collections in this context, and the legality of it being reported as a derogatory item on our credit reports. This is not creditor-based debt. It is a disputed personal charge that was never properly disclosed or substantiated and should not be allowed to damage our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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