vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, 2024, I received a notification that there was a new inquiry on my credit report from Capital One bank. I did not recognize the inquiry nor did I apply for any products or services around that time so I called to dispute this inquiry. After calling and placing the dispute, I was told by Capital One to wait 90 days until the matter was resolved. I asked about this fraudulent inquiry being removed from my credit report with XXXX XXXXXXXX XXXX and XXXX and I was told that Capital One will reach out to the credit bureaus on my behalf to notify of the fraudulent application. I waited about two weeks after the 90 days had passed and called Capital One back, and I was told that the application was in fact deemed as a fraud application, but no action was taken in regards to communicating this to the credit bureaus as of yet. I then requested that be done and I was told that they would reach out to the bureaus in 3 to 5 business days. I waited a week after that and even called several times after and was told by XXXX XXXX and XXXX  that no communication was ever received from Capital One and in order to get this inquiry removed from my report I would have to send in an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
Please remove these illegal accounts from my credit report since I was not notified of their existence and did not create them. Within 15 days, I anticipate their removal in accordance with USC 1681g. The supporting documentation are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Within the month of XXXX, I have received two calls from XXXX and XXXX XXXX regarding authorization about store credit cards and assumed they were scam calls. XXXX XXXX XXXX and XXXX were the new cards added to my account, and I just discovered on XXXX XXXX, 2025, I have been notified my credit score went down due to a missed payment on an account I have never known about nor authorized as I only legally permitted three cards. I called on the same day to both companies with an XXXX preventing me from reaching a representative due to the account number they required, which I never created. I contacted XXXX to file a dispute with both account and was notified both accounts were fraudulently established on XX/XX/XXXX and have both payments due. I managed to reach someone in XXXX in their fraud department, and they recognized my situation. The department informed me to contact FTC, and the nature of my situation directed me here. I am not the only one in this situation as I looked online and discovered people were dealing with the same issue with the same cards and account charges without their knowledge or consent.

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 2025-05-16 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
vIn the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-16 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-05-16 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: MS

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. I did not grant written permission or provide authorization for the following companies to access my credit file. Therefore, these inquiries represent a violation of the Fair Credit Reporting Act ( FCRA ) Section 604.

Please investigate and remove the following inquiries from my credit report immediately : 1. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX In accordance with the FCRA, you are required to verify that each party had a permissible purpose under 15 U.S.C. 1681b. If they can not produce verifiable proof of my consent, these inquiries must be deleted.

Please provide me with written confirmation of the results of your investigation and furnish me with an updated credit report reflecting the removal of these unauthorized inquiries.

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 2025-05-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. I did not grant written permission or provide authorization for the following companies to access my credit file. Therefore, these inquiries represent a violation of the Fair Credit Reporting Act ( FCRA ) Section 604.

Please investigate and remove the following inquiries from my credit report immediately : 1. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX In accordance with the FCRA, you are required to verify that each party had a permissible purpose under 15 U.S.C. 1681b. If they can not produce verifiable proof of my consent, these inquiries must be deleted.

Please provide me with written confirmation of the results of your investigation and furnish me with an updated credit report reflecting the removal of these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining 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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
I am the surviving spouse and legal property owner of a home with an active mortgage serviced by this company. After the passing of my spouse, I submitted all required documentation to update the mortgage, including the death certificate, the property deed ( showing joint tenancy ), the will, the certificate of appointment from probate court, and personal identification. 

I am now attempting to formally assume the mortgage as the sole borrower. I was told to contact the originations or assumptions department to proceed with this request. I have called multiple times over several days, left two voicemails with no response, and was even disconnected once during a call when their customer service representative connect me the phone line of the assumptions department.

In addition to phone outreach, I submitted a mortgage assumption request via email and followed up two weeks ago. Despite this, I have received no confirmation or meaningful update.

This lack of response is now interfering with a time-sensitive home equity investment process tied to the property. I am asking for assistance in getting the mortgage servicer to : Acknowledge and respond to the mortgage assumption request Connect me with the correct department or representative Provide clear next steps and a timeline to complete the assumption I have made every effort to comply with their requirements and communicate in good faith. I am simply trying to assume the mortgage as the rightful owner and executor of the estate, and the company is not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Newport Intermediate Inc.
State: NY

Complaint narrative:
Cant contact via phone to speak to an account specialist to close the account, there is no options on the automated service for closing account I've tried 2 different numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) promptly delete that item of 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 the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Experian * * * * XXXX Inquired on XXXX XXXX XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX  ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX NYXXXX ( XXXX XXXX XXXX Transunion * * * * XXXX  XXXX Inquired XXXX XXXX XXXX, XXXX Business Type : Miscellaneous and public record XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CTXXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX Equifax * * * * XXXX Inquired on XXXX XXXX, XXXX Business Type : Miscellaneous Reptg. Agencies XXXX XXXX Inquired on XX/XX/XXXX Business Type : Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX. 
XXXX, MAXXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Miscellaneous Reptg. Agencies

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 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Activehours
State: GA

Complaint narrative:
I use the EarnIn app to access part of my paycheck early, and I have always paid back my advances on time. On XXXX/25, my available limit dropped from {$300.00} to {$250.00} without explanation, even though I got paid more and made all payments on time. 

Today, I was expecting to receive {$120.00} of my money, but EarnIn withheld it, and they also took {$50.00} without any explanation. I tried to contact support, but I have not received any response all day. I now only have {$17.00} to my name, and I had to pay {$500.00} in rent. I am unable to afford food or transportation to work. 

XXXX actions have caused significant hardship, especially because I rely on their service to survive between paychecks. Their failure to communicate and unexpected deductions have placed me in financial danger. 

I am asking for a full investigation and for EarnIn to release the rest of my funds immediately and return the {$50.00} they deducted unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I am writing to formally dispute multiple accounts that have been fraudulently reported under my credit profile. Despite my repeated efforts to resolve these issues directly with the original creditors and your bureau, no satisfactory resolution has been reached. These accounts are clearly in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which requires credit reporting agencies to block information that results from identity theft or fraud once proper notice and documentation are provided. Additionally, these tradelines appear to be inaccurately reported in violation of the Metro 2 data furnishing guidelines, which stipulate that furnishers must ensure completeness and accuracy of consumer data. Account in question XXXX XXXX XXXX {$840.00} and another account for {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
I am writing to formally dispute multiple accounts that have been fraudulently reported under my credit profile. Despite my repeated efforts to resolve these issues directly with the original creditors and your bureau, no satisfactory resolution has been reached. These accounts are clearly in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which requires credit reporting agencies to block information that results from identity theft or fraud once proper notice and documentation are provided. Additionally, these tradelines appear to be inaccurately reported in violation of the Metro 2 data furnishing guidelines, which stipulate that furnishers must ensure completeness and accuracy of consumer data. Account in question XXXX XXXX XXXX {$840.00} and another account for {$510.00}

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 2025-05-16 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: TN

Complaint narrative:
Im reaching out because there is an item on my credit report that is not being reported in compliance with the Fair Credit Reporting Act ( FCRA ), specifically in regard to maximum accuracy standards.

The information in question is not accurate, and as such, it does not meet the legal requirement for how data should be maintained and reported on consumer credit files. This is a direct violation of the FCRA, and I expect it to be handled with the seriousness it warrants.

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 2025-05-16 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: IL

Complaint narrative:
My XXXX XXXX  was discharged on XXXX XXXX, 2025 and there are still accounts reporting on my credit and showing payment history that should no longer be on my credit report. 

I have a photo copy of my discharge and request that these items be updated & removed immediately. 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records

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 2025-05-16 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records

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