vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: VA

Complaint narrative:
This is a formal demand for the immediate permanent deletion of unauthorized inquiries from my credit file. Upon reviewing my consumer credit report, it is clear your agency has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) specifically, 15 U.S.C. 1681s-2, 1681b, and 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

You are reporting inquiries tied to credit or insurance transactions that I did not initiate, authorize, or consent to in any form. Under 15 U.S.C. 1681b, a consumer report may only be furnished with the consumers written consent or for a firm offer of credit initiated by the consumerneither of which applies here. Reporting these inquiries without a permissible purpose is a direct violation of federal law. 

Per 15 U.S.C. 1681n ( b ), obtaining a consumer report under false pretenses or without a lawful purpose triggers liability for actual damages or {$1000.00} per violation, in addition to punitive damages and attorneys fees. 

Unless you have my signed written authorization on file, you are in willful noncompliance with federal law. Your failure to produce this consent confirms the illegality of these inquiries. 

The following inquiries are being disputed for immediate deletion : XXXX XX/XX/year> Unauthorized XXXX XX/XX/year> Unauthorized XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> Unauthorized XXXX XXXX XXXX XX/XX/year> Unauthorized I am not requesting an investigationI am demanding deletion due to lack of permissible purpose. Your legal obligation is clear. 

This dispute has been escalated to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office XXXX XXXX XXXX ( XXXX  ) If this matter is not resolved within 15 calendar days, I will pursue further legal remedies. 

You are hereby on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: VA

Complaint narrative:
This is a formal demand for the immediate permanent deletion of unauthorized inquiries from my credit file. Upon reviewing my consumer credit report, it is clear your agency has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) specifically, 15 U.S.C. 1681s-2, 1681b, and 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

You are reporting inquiries tied to credit or insurance transactions that I did not initiate, authorize, or consent to in any form. Under 15 U.S.C. 1681b, a consumer report may only be furnished with the consumers written consent or for a firm offer of credit initiated by the consumerneither of which applies here. Reporting these inquiries without a permissible purpose is a direct violation of federal law. 

Per 15 U.S.C. 1681n ( b ), obtaining a consumer report under false pretenses or without a lawful purpose triggers liability for actual damages or {$1000.00} per violation, in addition to punitive damages and attorneys fees. 

Unless you have my signed written authorization on file, you are in willful noncompliance with federal law. Your failure to produce this consent confirms the illegality of these inquiries. 

The following inquiries are being disputed for immediate deletion : XXXX XX/XX/year> Unauthorized XXXX XX/XX/year> Unauthorized XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> Unauthorized XXXX XXXX XXXX XX/XX/year> Unauthorized I am not requesting an investigationI am demanding deletion due to lack of permissible purpose. Your legal obligation is clear. 

This dispute has been escalated to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office XXXX XXXX XXXX ( XXXX  ) If this matter is not resolved within 15 calendar days, I will pursue further legal remedies. 

You are hereby on notice.

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 2025-06-17 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: FL

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1300.00} INQUIRIES : XXXXXXXX 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 2025-06-17 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: FL

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX  XXXX - FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of XXXX USC XXXXg because they were to notify me of this in writing 5 days prior, I was not. I DO NOT VALIDATE THIS DEBT- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that XXXX have been compromised. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Profit Losses and Charge Offs Proper Feedback and documentation were not given ; nor followed through even with charge-offs, profit losses, and gains Also there are accounts that I have no knowledge about. The accounts are listed below XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Profit Losses and Charge Offs Proper Feedback and documentation were not given ; nor followed through even with charge-offs, profit losses, and gains Also there are accounts that I have no knowledge about. The accounts are listed below XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Profit Losses and Charge Offs Proper Feedback and documentation were not given ; nor followed through even with charge-offs, profit losses, and gains Also there are accounts that I have no knowledge about. The accounts are listed below XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, 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 XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1700.00} INQUIRIES : XXXX XXXX XX/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 2025-06-17 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: SC

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: VA

Complaint narrative:
XXXX XXXX XXXX was sent a mailed letter requesting validation of the debt they are reporting on my credit report, which I signed with them, not as a third-party purchase. 
This letter was sent on XX/XX/year>. They responded that indeed they are a third- party that purchased the debt. 

It is also a violation of Unauthorized Credit Reporting ( FCRA, 15 U.S.C.1681s-2 ).

The debt was reported before validation was provided. This may constitute a violation of FCRA Section 623, as the furnished is reporting disputed information without noting it as disputed and without verifying its accuracy. 

XXXX XXXX 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 2025-06-17 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: VA

Complaint narrative:
XXXX XXXX XXXX was sent a mailed letter requesting validation of the debt they are reporting on my credit report, which I signed with them, not as a third-party purchase. 
This letter was sent on XX/XX/year>. They responded that indeed they are a third- party that purchased the debt. 

It is also a violation of Unauthorized Credit Reporting ( FCRA, 15 U.S.C.1681s-2 ). 
The debt was reported before validation was provided. This may constitute a violation of FCRA Section 623, as the furnished is reporting disputed information without noting it as disputed and without verifying its accuracy. 

XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
A PayPal debit card was opened in my name on XX/XX/year>. It was funded with deposits made from withdrawals from my XXXX XXXX XXXXXXXX checking account. The total withdrawals were {$14000.00}. In all 521 personal payments which were not authorized were made including others made on a XXXX XXXX  PayPal credit card also opened without my consent. I disputed the withdrawals as well as the payments. PayPal agent said I could not dispute the personal payments. After contacting PayPal, XXXX  XXXX XXXX, XXXX XXXX  and the four major credit bureaus, in XXXXXXXX XXXX XXXX XXXXXXXX refunded my checking account and XXXXXXXX XXXX cancelled the credit card. After further communication with PayPal they determined that the withdrawals were not authorized. In XXXX 2025 they began debiting the unauthorized debit card account for a total negative balance of - {$14000.00}. They contended that since I did not dispute the personal payments, money was owed to PayPal. I was then informed I could dispute any type of transaction. Two claims were opened disputing a portion of the debit and credit card payments - I had asked that all payments be included but they were not. They were initially denied. I appealed and PayPal determined they were not authorized and refunded the account. A third claim was denied despite the same documentation being submitted. The current debit card balance is- {$10000.00} which is being treated as a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
Robinhood.

The last time I logged into my account was more than 5 years ago. When I attempted to log in recently, I typed in my email and password, and it asked me to enter the code sent to my phone number. The problem is I no longer have the phone number I did when I opened the account.

It then offers another option to verify via bank account, but I have closed that account since I opened my Robinhood account.

It then offers for you to upload a picture of your driver 's license, but my info on my driver 's license doesn't match the account ( for the same reason I already mentioned ).

When you call the customer service number, they tell you to log into the app and request a call, BUT I CAN'T LOG IN TO THE APP.

I'm stuck in a loop, and no one seems to want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$960.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$250.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$420.00}

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 2025-06-17 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX 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, XXXX - XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-17 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: AZ

Complaint narrative:
I am disputing the late payments being reported on the closed auto loan account XXXX XXXX XXXX, account number : XXXX I do not believe any of the reported delinquencies are accurate, and I request a a full investigation. I have reviewed my records and have no evidence of any missed payments on this account. Under the Fair Credit Reporting Act, only complete and accurate information may be reported. I demand the late payments be removed and the account deleted if the credit can not verify their accuracy with full documentation. Please update or delete this account accordingly and provide me with a copy of your investigation results.

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 2025-06-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00}

Company response to consumer: Closed with non-monetary relief