vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
this is my third disputing inquiries within the last XXXX months. I keep getting inquires that I didnt approve. XXXX of which I told Experian that I didn't approve that lender to pull my credit. I was told that because I bought a car from a completely different lender, They can't delete that inquiry because the only lender that i approved to pull my credit on that day, which was supposed to be a soft pull from the only approved lender. Ended up no showing at all on my report. I was told that that lender might have shared my information ( without my consent- which is the definition of unauthorized ) with the other lender. 

That doesn't seem to be a legitimate excuse to allow that unauthorized inquiry to stay on my credit report. the following are the disputed inquires. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-09 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 filing this complaint against XXXX, TransUnion, and XXXX regarding multiple fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft. 
Upon reviewing my credit reports, I discovered several accounts that I did not open or authorize, including : XXXXXXXX XXXX ( Opened : XX/XX/XXXXXXXX XXXX XXXX ( Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX & XX/XX/XXXX ) Additionally, I found unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have already submitted a formal FTC Identity Theft Report ( Report Number : XXXX ). I have attached my FTC Identity Theft Report as supporting documentation. Please take prompt action to resolve this matter and provide a written confirmation once the corrections have been made.

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 2025-02-09 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 filing this complaint against XXXX, TransUnion, and XXXX regarding multiple fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft. 
Upon reviewing my credit reports, I discovered several accounts that I did not open or authorize, including : XXXXXXXX XXXX ( Opened : XX/XX/XXXXXXXX XXXX XXXX ( Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX & XX/XX/XXXX ) Additionally, I found unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have already submitted a formal FTC Identity Theft Report ( Report Number : XXXX ). I have attached my FTC Identity Theft Report as supporting documentation. Please take prompt action to resolve this matter and provide a written confirmation once the corrections have been made.

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 2025-02-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
RE : XXXX To whom it may concern, On XX/XX/year>, a cash register was purchased online from XXXX XXXX XXXX in XXXX, Florida. The item was received on XX/XX/year>. When the cash register was set up to be used, the keys on the register would not work and the battery backup compartment was all rusty. 

Contact with the company, XXXX XXXX XXXX, was attempted on XX/XX/XXXX at XXXXXXXX XXXX XXXX A message was left at this time. Another call was made to the office on XX/XX/XXXX at XXXX XXXX  XXXX. At this time, it was explained to the vendor about issues with the register not working and the rusty battery compartment. An request was made to get a return form so that the item could be sent back but the vendor laughed and hung up the phone. 
I made a final attempt to rectify the situation on XX/XX/XXXX at XXXXXXXX XXXX XXXX requesting that return paperwork be provided. They again hung up on me. The broken item is still in my possession as this vendor would not provide any way for us to return it. 

As a result of the above interactions, I then filed a complaint with VISA and have just now received a letter on XX/XX/XXXX stating that the case was closed because the seller sent a document only stating the item was delivered. The dispute is not about the delivery but about the item not working and being rusty. We should not be held responsible to pay {$680.00} for an item that is non-functional. 

Please see below a picture of the register we expected to receive ( XXXX XXXX ). Following that are pictures ( page XXXX ) of the register we received. 

despite the evidence provided to Citi credit card, they refused to take action against the XXXX XXXX XXXXXXXX.

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 2025-02-08 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: CA

Complaint narrative:
I filed a complaint with XXXX XXXX XXXX XXXX about inaccurate reporting with my lease. Their response on XX/XX/XXXX was that they were going to remove all late payments for my account that was paid in full in regards to the lease payments. ( Please see the attached response ) XXXX XXXX has refused to do this instead they reported to the financial bureaus that I was late for XX/XX/XXXX and XX/XX/XXXX. Now, I am listed as XXXX days past due on my credit report. The lease was paid in full and I am in ligation for the end of term bill which XXXX XXXX stated I wouldn't be responsible for. However, that end of term bill has no bearing to my lease payments which were paid on time and in full which was acknowledged in their response. I sent a request to XXXX XXXX directly on XX/XX/XXXX after XXXX XXXX once again reported me lated in accurately. I spoke with XXXX agent number XXXX and Escalations supervisor XXXXXXXX XXXX XXXX XXXXXXXX. They both refused to provide me proof of payment history that my lease was paid in full. The kept saying it wasn't because of the end of term bill which has no basis on my lease payments which are reported to the credit bureaus monthly. This again against the fair credit reporting act, which says all information reported must be accurate and reflect correctly an account status. 

XXXX XXXX has violated their response issued to to the CFPB.

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 2025-02-08 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: CA

Complaint narrative:
I filed a complaint with XXXX XXXX XXXX XXXX about inaccurate reporting with my lease. Their response on XX/XX/XXXX was that they were going to remove all late payments for my account that was paid in full in regards to the lease payments. ( Please see the attached response ) XXXX XXXX has refused to do this instead they reported to the financial bureaus that I was late for XX/XX/XXXX and XX/XX/XXXX. Now, I am listed as XXXX days past due on my credit report. The lease was paid in full and I am in ligation for the end of term bill which XXXX XXXX stated I wouldn't be responsible for. However, that end of term bill has no bearing to my lease payments which were paid on time and in full which was acknowledged in their response. I sent a request to chase auto directly on XX/XX/XXXX after XXXX XXXX once again reported me lated in accurately. I spoke with XXXX agent number XXXX and Escalations supervisor XXXXXXXX XXXX XXXX XXXXXXXX. They both refused to provide me proof of payment history that my lease was paid in full. The kept saying it wasn't because of the end of term bill which has no basis on my lease payments which are reported to the credit bureaus monthly. This again against the fair credit reporting act, which says all information reported must be accurate and reflect correctly an account status. 

XXXX XXXX has violated their response issued to to the CFPB.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One credit card statement XX/XX/XXXX paid and closed. I have never received a XXXX from the creditor for this account. Contacted creditor for a XXXX XX/XX/XXXX have not received XXXX up to this date. 


XXXX XXXX XXXX XXXX Account opened on XXXX XXXX. I was contacted on XXXX XXXX. I requested a detailed letter of dept validation under 15 USC1692g. However more than 30 days have passed, and I have not received a response to this request. 


XXXX XXXX reported XX/XX/XXXX Assigned XX/XX/XXXX XXXX XXXX. I have never received any letters or calls from this collection agency in notification of this dept. 

XXXX XXXX opened XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. This account was closed and a refunded funds from this creditor that was owed to me. I have never received a XXXX from this creditor. I have questions as to why this is showing negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: WA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
Experian and Equifax shared inaccurate credit score data with lenders, which led to credit denials. I can not access an accurate or consistent report online violating FCRA 605B ( 15 U.S.C. 1681 c-2 ). Experian and Equifax conducted XXXX inadequate investigations failing to address my request to remove all inconsistent and unfair information on my consumer report violating 15 USC 1681.

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 2025-02-09 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: GA

Complaint narrative:
I submitted a dispute XX/XX/year> to dispute a charge off on my credit report. The dispute went unanswered, and there was no resolution. The charge off is for XXXX XXXX XXXX XXXX. Account 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 2025-02-08 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
Okay, so the main reason why my new account is closed because its linked to terms of violation, however my first accounts that open with cash app I had never violated anything and the reason my first account got closed is because someone has compromise my cash app debit card for my first which is under the XXXX XXXX XXXXXXXX under my email address XXXX and I noticed on my first account where someone managed to make suspicious transactions on my account activity that I do not know about so I decided to block those transactions of the people who received money from me and by the time I received my first account back, thats when cashapp decided to close my account. However my first account was compromised and there little I could do however after I regain the account back, I took fully control of my first account and I have pictures provided my cashapp card that was linked to my first account XXXX XXXXXXXX. As well so after cashapp closed my first account. I decided to open up a new account however my new account got closed due to terms of violations. So I here am I wanting to appeal this closure because my first cashapp account got hacked by a person who I dont recognize and stole my login credentials. And the reason they was able to successfully login because they had my email address in my password which after they compromise my account, I had to change my password as soon as possible. However it was too late and cashapp closed my account. So please Im begging you that those illegal activities that was a link to my first account wasnt me and I deserve to have my new account XXXX XXXXXXXX to be reopened because I dont use cashapp all the time if Im completely honest. The only time I use Cash app if Im receiving money family friends or coworkers of Im paying my barber money for the service he provides like getting a haircut. So thats my additional information that I would like you to share with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
These accounts were open by fraud. 


XXXX XXXX XXXX XXXXXXXX BALANCE {$410.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$300.00}

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 2025-02-08 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: IN

Complaint narrative:
XXXX inquires on my credit report for auto loans that I didnt authorize. Also credit cards in my credit thats not mines and it affecting my credit. Bankruptcy on my credit report and student loans thats affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IN

Complaint narrative:
XXXX inquires on my credit report for auto loans that I didnt authorize. Also credit cards in my credit thats not mines and it affecting my credit. Bankruptcy on my credit report and student loans thats affecting my credit.

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 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX and CREDENCE RESOURCE MANAGE, XXXXXXXX XXXX  for reporting unauthorized collection accounts on my credit report. I have never done business with these companies and do not owe these debts. Despite disputing these accounts, they remain on my report in violation of federal law. 

Unauthorized Collection Accounts Reported Illegally Account name CREDENCE RESOURCE MANAGE Account number XXXX {$160.00} XXXXXXXX XXXX Account number XXXX {$300.00} Legal Violations by XXXX & CREDENCE RESOURCE MANAGE, and XXXX XXXX Fair Credit Reporting Act ( FCRA

) 15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum possible accuracy in consumer reports. Reporting debts that I never authorized is false and illegal. FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) When an account is inaccurate, unverifiable, or fraudulent, the credit bureau must
delete it. Since I have never done business with these companies, the accounts must be removed immediately.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Debt collectors can not report false or misleading information to credit bureaus. If [ Collection Agency Name ] has placed these accounts on my report improperly, they are violating federal law. 
FCRA Liability 15 U.S.C. 1681n & 1681o If the credit bureau and collection agency fail to remove these fraudulent accounts, they may be liable for actual damages, statutory damages, attorney fees, and punitive damages for willful or negligent noncompliance.

Company response to consumer: Closed with non-monetary relief