vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized and unverified hard inquiries that have appeared on my credit report without my knowledge, consent, or permissible purpose as required by federal law. These inquiries have negatively impacted my credit score, caused emotional distress, and hindered my ability to obtain new credit. 
Despite not initiating any credit application or providing authorization to the following companies, hard inquiries were made against my credit file : Disputed Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Issue : I did not apply for any loan or credit with XXXX. This inquiry was made without my knowledge or consent. 
o Violation : This inquiry constitutes a violation of the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), which requires that inquiries must be made only with a permissible purpose. XXXX has failed to provide such justification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Issue : I never authorized XXXX XXXXo access my credit information. No application was submitted, and no business relationship exists.

o Violation : This inquiry also violates FCRA 604 ( a ) ( 3 ) and possibly FCRA 607, which mandates that consumer reporting agencies must have reasonable procedures to ensure that inquiries are made only with proper authorization. 
Impact on Me : These unauthorized inquiries have directly harmed my credit profile by reducing my credit score and creating the false impression that I am actively seeking new credit. This has affected my ability to secure favorable loan terms and has led to emotional distress and financial instability.

Requested Resolution : Immediately remove the unauthorized inquiries from my credit report with all credit bureaus ( TransUnion, Equifax, and Experian ).

Investigate how and why these inquiries were made without proper consent.

Provide me with a written statement confirming the removal and outcome of the investigation.

Take appropriate regulatory action against any party found to be in violation of FCRA.

Laws Violated : FCRA 604 ( a ) ( 3 ) Permissible purposes of consumer reports FCRA 607 ( a ) Compliance procedures FCRA 616 & 617 Civil liability for willful and negligent noncompliance Please take this matter seriously and act promptly to ensure that consumer rights are not violated with impunity.

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 2025-06-14 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized and unverified hard inquiries that have appeared on my credit report without my knowledge, consent, or permissible purpose as required by federal law. These inquiries have negatively impacted my credit score, caused emotional distress, and hindered my ability to obtain new credit. 
Despite not initiating any credit application or providing authorization to the following companies, hard inquiries were made against my credit file : Disputed Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Issue : I did not apply for any loan or credit with XXXX. This inquiry was made without my knowledge or consent. 
o Violation : This inquiry constitutes a violation of the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), which requires that inquiries must be made only with a permissible purpose. XXXX has failed to provide such justification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Issue : I never authorized XXXX XXXXo access my credit information. No application was submitted, and no business relationship exists.

o Violation : This inquiry also violates FCRA 604 ( a ) ( 3 ) and possibly FCRA 607, which mandates that consumer reporting agencies must have reasonable procedures to ensure that inquiries are made only with proper authorization. 
Impact on Me : These unauthorized inquiries have directly harmed my credit profile by reducing my credit score and creating the false impression that I am actively seeking new credit. This has affected my ability to secure favorable loan terms and has led to emotional distress and financial instability.

Requested Resolution : Immediately remove the unauthorized inquiries from my credit report with all credit bureaus ( TransUnion, Equifax, and Experian ).

Investigate how and why these inquiries were made without proper consent.

Provide me with a written statement confirming the removal and outcome of the investigation.

Take appropriate regulatory action against any party found to be in violation of FCRA.

Laws Violated : FCRA 604 ( a ) ( 3 ) Permissible purposes of consumer reports FCRA 607 ( a ) Compliance procedures FCRA 616 & 617 Civil liability for willful and negligent noncompliance Please take this matter seriously and act promptly to ensure that consumer rights are not violated with impunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I work in XXXX XXXX XXXX XXXX XXXX XXXX, and I left my stuff on lockers all the time. I strongly believe that my card might have gotten cloned or my info might have gotten stolen so I locked my account and contacted my credit card company Chase on XX/XX/XXXX, explain to them the situation, found out the charge was made through someone's XXXX XXXX, at an address located at XXXX XXXX, meanwhile I reside in XXXX. I, then procceded to request a new credit card number. I also informed them of a single charge of {$65.00} that was made in my credit card on XX/XX/XXXX not by me but by someone else. They sent me an email letting me know that they will conduct an investigation. They finally concluded their investigation on XX/XX/XXXX, in which they stated I was responsible for said charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: DE

Complaint narrative:
Ask TransUnion on how they add information to a credit report a collection account with XXXX  and what address was on this account pay attention to the apartment number

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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX XXXX for placing an unauthorized hard inquiry on my credit report dated XX/XX/year>, as reflected in my TransUnion file. 
I did not initiate any credit application, nor did I authorize XXXX XXXX  to access my consumer report on that date or any time around it. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to control who can access my credit information. The inquiry was placed without any permissible purpose, which is a direct violation of FCRA 604 [ 15 U.S. Code 1681b ]. 
Inquiry Details : Company Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Type of Inquiry : Hard Pull Credit Bureau : TransUnion Issue : Inquiry made without my consent or any business transaction initiated by me.

Applicable Laws Violated : 1. FCRA 604 ( a ) ( 3 ) Permissible Purpose : A consumer report may only be obtained for specific, defined reasons. None apply in my case.

2. FCRA 604 ( b ) ( 2 ) Written Authorization : A hard inquiry requires prior written consent from the consumer, which I never provided.

3. FCRA 616 & 617 Civil Liability : For willful or negligent noncompliance with FCRA, furnishers are subject to penalties.

Consumer Impact : This unauthorized inquiry has negatively impacted my credit score.

It suggests potential misuse of my personal information.

It has caused emotional stress and may affect future loan approvals.

Requested Resolution : 1. Immediate deletion of this unauthorized inquiry from all credit bureaus.

2. Written confirmation from XXXX XXXX and TransUnion that this inquiry has been removed.

3. Full investigation by the Consumer Financial Protection Bureau ( CFPB ).

4. Consideration of civil penalties as provided under FCRA 616617.

Declaration : I affirm that I did not authorize this inquiry, and I demand that it be deleted promptly. I respectfully ask the CFPB to investigate this violation of my consumer rights and compel the data furnisher and credit bureau to act in accordance with federal law. 
Thank you for your time and consideration.

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 2025-06-14 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:
I have reported this situation several times to Experian and thought they had fixed it. My experian report shows all payments have been made on time ( along with all the other credit unions ). However, under the credit overview in my account, it states that one payment was 30 days late and the other was 60 days late, with no indication of the company 's name. They are unable to locate the information and inform me that my report has no missing payments and is perfect. However, I received a letter from XXXX XXXX informing me that they were reducing my credit limit as a result of my FICO score, which Experian reports as XXXX, while all other agencies report scores in the XXXX range. Again, I have tried numerous times on my own to resolve this issue, and I have given up. Please help me.

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 2025-06-14 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: MO

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft and did not authorize these items.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete the unauthorized information. Enclosed are my FTC Identity Theft Report, a list of disputed items, photo ID, and proof of address.

Please investigate and confirm removal in writing. Thank you for your prompt attention.

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 2025-06-14 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: MD

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-06-14 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX XXXX for placing an unauthorized hard inquiry on my credit report dated XX/XX/year>, as reflected in my TransUnion file. 
I did not initiate any credit application, nor did I authorize XXXX XXXX  to access my consumer report on that date or any time around it. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to control who can access my credit information. The inquiry was placed without any permissible purpose, which is a direct violation of FCRA 604 [ 15 U.S. Code 1681b ]. 
Inquiry Details : Company Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Type of Inquiry : Hard Pull Credit Bureau : TransUnion Issue : Inquiry made without my consent or any business transaction initiated by me.

Applicable Laws Violated : 1. FCRA 604 ( a ) ( 3 ) Permissible Purpose : A consumer report may only be obtained for specific, defined reasons. None apply in my case.

2. FCRA 604 ( b ) ( 2 ) Written Authorization : A hard inquiry requires prior written consent from the consumer, which I never provided.

3. FCRA 616 & 617 Civil Liability : For willful or negligent noncompliance with FCRA, furnishers are subject to penalties.

Consumer Impact : This unauthorized inquiry has negatively impacted my credit score.

It suggests potential misuse of my personal information.

It has caused emotional stress and may affect future loan approvals.

Requested Resolution : 1. Immediate deletion of this unauthorized inquiry from all credit bureaus.

2. Written confirmation from XXXX XXXX and TransUnion that this inquiry has been removed.

3. Full investigation by the Consumer Financial Protection Bureau ( CFPB ).

4. Consideration of civil penalties as provided under FCRA 616617.

Declaration : I affirm that I did not authorize this inquiry, and I demand that it be deleted promptly. I respectfully ask the CFPB to investigate this violation of my consumer rights and compel the data furnisher and credit bureau to act in accordance with federal law. 
Thank you for your time and consideration.

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 2025-06-14 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX XXXX for placing an unauthorized hard inquiry on my credit report dated XX/XX/year>, as reflected in my TransUnion file. 
I did not initiate any credit application, nor did I authorize XXXX XXXX  to access my consumer report on that date or any time around it. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to control who can access my credit information. The inquiry was placed without any permissible purpose, which is a direct violation of FCRA 604 [ 15 U.S. Code 1681b ]. 
Inquiry Details : Company Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Type of Inquiry : Hard Pull Credit Bureau : TransUnion Issue : Inquiry made without my consent or any business transaction initiated by me.

Applicable Laws Violated : 1. FCRA 604 ( a ) ( 3 ) Permissible Purpose : A consumer report may only be obtained for specific, defined reasons. None apply in my case.

2. FCRA 604 ( b ) ( 2 ) Written Authorization : A hard inquiry requires prior written consent from the consumer, which I never provided.

3. FCRA 616 & 617 Civil Liability : For willful or negligent noncompliance with FCRA, furnishers are subject to penalties.

Consumer Impact : This unauthorized inquiry has negatively impacted my credit score.

It suggests potential misuse of my personal information.

It has caused emotional stress and may affect future loan approvals.

Requested Resolution : 1. Immediate deletion of this unauthorized inquiry from all credit bureaus.

2. Written confirmation from XXXX XXXX and TransUnion that this inquiry has been removed.

3. Full investigation by the Consumer Financial Protection Bureau ( CFPB ).

4. Consideration of civil penalties as provided under FCRA 616617.

Declaration : I affirm that I did not authorize this inquiry, and I demand that it be deleted promptly. I respectfully ask the CFPB to investigate this violation of my consumer rights and compel the data furnisher and credit bureau to act in accordance with federal law. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: MI

Complaint narrative:
My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FER
PA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief