vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX RETURN REQUESTED WITH PROOF OF REMOVAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for Immediate Removal of Unauthorized Inquiries To Whom It May Concern, I am formally disputing the unauthorized and inaccurate credit inquiries listed on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The inquiries at issue are as follows : Creditor / Entity Name : CAP ONE NA Date of Inquiries : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report under permissible purposes, where the consumer has provided authorization, or in connection with a credit transaction initiated by the consumer.

I did not authorize or initiate any transaction that provided a permissible purpose for these inquiries. Nor did I receive a CAP ONE NA credit card, loan, etc I dont know who this is or why they did this 3x.

Reporting this inquiry without valid permissible purposes violates 15 U.S.C. 1681b ( f ) : " A person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. '' Additionally, you are required to investigate of this dispute and delete or correct inaccurate or unverifiable information within 30 days.

Pintos v. Pacific Creditors Assn., 605 F.3d 665 ( XXXX XXXX XXXX ) Court held accessing a consumers credit report without a permissible purpose under FCRA is a violation and exposes the party to liability.

Dalton v. Capital Associated Industries , Inc., 257 F.3d 409 ( XXXX XXXX XXXX ) Failure to ensure accuracy of consumer reports can result in damages under the FCRA.

Formal Demand : Immediately delete the unauthorized inquiries listed above from my credit file.

Provide written confirmation of the deletion within 30 days of your receipt of this letter.

Consequences of Non-Compliance or failure to comply will result in : Complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State of Texas Attorney Generals Office.

Pursuing legal action under 15 U.S.C. 1681n ( willful noncompliance ) or 1681o ( negligent noncompliance ), seeking actual damages, statutory damages, punitive damages where appropriate, attorneys fees, and court costs. 

I look forward to your prompt compliance. 
Sincerely, /s/ XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts not later than 4 business days after the ( XX/XX/2025 ). Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As I reviewed my Credit Report, I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the following accounts need a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. XXXX XXXX * * * * * * * * * * * * Balance Owed : {$53000.00} XXXXXXXX XXXX XXXX * * * * * * * * * * * Balance Owed : {$34000.00}

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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of multiple unauthorized and unverified hard inquiries that are currently listed on my credit reports. These inquiries are not linked to any open or validly initiated accounts under my name and therefore have no permissible purpose under the Fair Credit Reporting Act ( FCRA ). 
The following inquiries, reported primarily by TransUnion, appear without my knowledge, authorization, or benefit, and are not associated with any account I currently maintain : Disputed Hard Inquiries TransUnion Reported : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under 15 U.S.C. 1681b, credit inquiries must have a permissible purpose. The above inquiries do not meet this requirement and should therefore be deleted.

Further, under 15 U.S.C. 1681i ( a ) and Regulation F, the failure to properly investigate and remove inaccurate inquiries constitutes a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
In addition, courts have held in XXXX XXXX XXXX, XXXX, and XXXX XXXX Equifax, that continued reporting of unverified information exposes furnishers and bureaus to liability under 15 U.S.C. 1681n for willful noncompliance and punitive damages.

I am requesting that these inquiries be permanently removed from my credit reports with all three major bureausTransUnion, Equifax, and Experianimmediately. 
Sincerely, 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of multiple unauthorized and unverified hard inquiries that are currently listed on my credit reports. These inquiries are not linked to any open or validly initiated accounts under my name and therefore have no permissible purpose under the Fair Credit Reporting Act ( FCRA ). 
The following inquiries, reported primarily by TransUnion, appear without my knowledge, authorization, or benefit, and are not associated with any account I currently maintain : Disputed Hard Inquiries TransUnion Reported : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under 15 U.S.C. 1681b, credit inquiries must have a permissible purpose. The above inquiries do not meet this requirement and should therefore be deleted.

Further, under 15 U.S.C. 1681i ( a ) and Regulation F, the failure to properly investigate and remove inaccurate inquiries constitutes a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
In addition, courts have held in XXXX XXXX XXXX, XXXX, and XXXX XXXX Equifax, that continued reporting of unverified information exposes furnishers and bureaus to liability under 15 U.S.C. 1681n for willful noncompliance and punitive damages.

I am requesting that these inquiries be permanently removed from my credit reports with all three major bureausTransUnion, Equifax, and Experianimmediately. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing an unauthorized inquiry on my credit report. I never consented to this party accessing my credit file, and no legitimate transaction exists that would justify such an inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, Westlake finanacial confirmed to me via their customer service representative on the phone named XXXX, that they repossessed my Car without letting me know, and apologized that my phone was unreachable when they picked the car, a white XXXX XXXX XXXX XXXX. 

When i tried getting my personal belongings in the car, they gave me a auto pound phone number to reach but when i called they didnt have the car, then westlake changing their words not to have pick the car. The car is still missing till present. I want it take off on my credit because it was not in my care when it got missing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 


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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified several items that are being reported either with inaccurate or unverifiable information, or are being reported without my knowledge, authorization, or ongoing consent to share my personal identifying information ( PII ).

PII PRIVACY VIOLATIONS GRAMM-LEACH-BLILEY ACT I hereby invoke my rights under the Gramm-Leach-Bliley Act ( GLBA ) and federal PII protections.

My personal dataincluding my name, Social Security number, address, and credit historyhas been furnished, stored, and shared without my express or continuing consent. Pursuant to FCRA 604 ( a ), I am now formally revoking any prior authorizationwhether express, implied, or assumedfor the reporting, sharing, or dissemination of my data by you or any party
furnishing this information to your agency. This revocation also applies to any affiliate, data broker, third-party vendor, or downstream repository to whom you have sold, transferred, or otherwise shared my personal information. Any continued use or transfer of my datadirectly or indirectlywill be treated as an unauthorized disclosure and breach of federal privacy law.

FCRA VIOLATIONS & REPORTING DUTIES Pursuant to : FCRA 1681e ( b ) You are required to ensure the maximum possible accuracy of all consumer data FCRA 1681i ( 5 ) If an item is inaccurate, incomplete, or unverifiable, it must be promptly deleted 1 of 6 Your failure to act accordingly constitutes a violation of these federal obligations.

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Company : XXXX ( a PayPal service ) I have been locked out of my XXXX account since XX/XX/XXXX. Each time I try to log in with either my PayPal credentials or my XXXX login, Im redirected back to the login page in an endless loop. Ive contacted XXXX and PayPal multiple times by phone and email ( including XXXX ), but I have received no resolution. 

I urgently need access to my account to retrieve utility bill payment records from XX/XX/XXXXXXXX  through XX/XX/XXXX. These transactions are required as proof in a legal dispute, and some of the utilities are still in my spouses name. I can no longer access emailed receipts either, because my email storage was cleared months ago. 

XXXX and PayPal have been unresponsive and keep pointing fingers at each other. This has gone on for 3+ months with no action. I request full access to my transaction records or a statement confirming my payment history during the above timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C System is something I do not know what is, I saw it on my credit report as few days ago. I know the amount of the alleged debt is {$540.00} and the account number is XXXX. i do not know how long it has been on my credit report but i know that it has been on my report as a charge off. I did not give it authorization for it to go on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
There is no way to dispute this on Transunion. 

I am filing this complaint regarding TransUnions continued reporting of a XXXX XXXX account ( ending in XXXX ), which I opened on XX/XX/XXXX and paid in full as of XX/XX/XXXX. The account is marked Paid, Closed. Was Paid as Agreed, yet TransUnion continues to display derogatory XXXX late payment notations for periods spanning XXXX through early XXXX. 

This reporting stands in direct conflict with XXXX and XXXX, both of which have removed this account entirely from their records. TransUnions persistence in reporting derogatory historydespite the full payoff and closurecreates a misleading and materially incomplete credit profile, which adversely affects my creditworthiness with lenders who rely solely on TransUnion data. 

In addition to violating : FCRA XXXX ( b ) Failure to ensure maximum possible accuracy FCRA XXXX ( a ) Failure to conduct a reasonable reinvestigation upon dispute TransUnion is also in violation of the XXXX XXXX Credit Reporting Resource Guide, which mandates that once an account is closed and paid in full, furnishers must cease reporting prior delinquencies in a way that gives disproportionate negative weight. According to XXXX XXXX guidelines : A paid and closed mortgage account should be reported using Account Status Code XXXX ( Paid or closed account/zero balance ) with Payment Rating codes left blank Retaining historical delinquencies without reporting that the account is now in good standing is considered noncompliant and misleading TransUnions failure to either suppress the tradeline or accurately align its status to reflect the positive closure in compliance with XXXX XXXX formatting standards causes reputational and financial harm.

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 2025-07-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXXTransunionXXXXTransUnion LLC Consumer Dispute CenterXXXX XXXX XXXX, PA XXXXRE: XXXX  Block RequestXXXXTo Whom It May Concern,\nI am a victim of XXXX. The information listed below, which appears on my creditXXXXreport, is the result of that XXXX.\XXXX. The following personal information is incorrect\XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. The following personal information is incorrect\n Account NumberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The inquiry was not authorized\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.XXXX12. Validate Account\XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.XXXX13. Validate Account\XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.XXXXPlease block this information from my credit report within four business days, pursuant\nto section 605C of the Fair Credit Reporting Act\nPlease send me notification of the actions taken. I appreciate your prompt attention to\nthis matter.XXXXPlease send me notification of the actions taken. I greatly appreciate your prompt\nexpedited action to this matterXXXX 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 2025-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: UT

Complaint narrative:
In XXXX of XXXX I became aware of a debt collection on my credit report. The collection is for debts to XXXX XXXX XXXX in the amount of {$1800.00}. The collection agency provided me with information that my information was used in early XXXX. The address linked with the collection is to an address in Michigan where I have never lived, nor did I ever authorize anyone to use my information for XXXX XXXX XXXX goods/services. I learned the thieves used an old, unmonitored email address of mine that I have since deleted and closed the account. 
I am in the process of completing a Identity Theft Victims Complaint and Affidavit and will include this report in my affidavit.

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