vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MA

Complaint narrative:
On XX/XX/XXXX a unauthorized hard inquiry for was XXXX XXXX  without my consent On XX/XX/XXXX hard inquiry from XXXX XXXX and XXXX XXXX was pulled with out my conscent On XX/XX/XXXX and XX/XX/XXXX 2 unauthorized hard inquiries from XXXX XXXX were pulled without my consent and on XX/XX/XXXX and XX/XX/XXXX a hard inquiry from ( coaf ) no consent was given

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
am filing this complaint because Experian, Equifax, and TransUnion are inaccurately reporting a XXXX  XXXX bankruptcy on my consumer credit report. 

I submitted a formal dispute letter, including a notarized affidavit, to the bureaus informing them that the bankruptcy information being reported is inaccurate and unverifiable. Despite this, the bureaus have failed to correct or remove the inaccurate reporting. 

While bankruptcy records are public information, the Fair Credit Reporting Act ( FCRA ) still requires credit reporting agencies to have a permissible purpose under 15 U.S.C. 1681b to access and report public record information. Additionally, 15 U.S.C. 1681e ( b ) requires them to ensure the maximum possible accuracy of any information included in a consumers report. Public availability does not eliminate the agencies duty to properly verify and accurately report the information. 

Upon my own investigation and direct communication with the courthouse, I was informed that courts do not report bankruptcy filings to the credit bureaus. This means the reporting agencies obtained and reported the bankruptcy information from a third-party source without direct verification or a permissible furnishing of the data. 

Moreover, no court or government entity furnished this information to the bureaus, meaning that its presence on my report is unauthorized and misleading. Reporting this information without a verified, permissible source is a clear violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
A formal debt validation request under the FDCPA, 15 U.S.C. 1692g ( b ), was sent to LVNV Funding/Resurgent Capital Services via certified mail on XX/XX/year> and confirmed delivered with signature on XX/XX/year>. Instead of complying with their legal obligation to validate the debt, Resurgent responded on XX/XX/year> with a generic acknowledgment letter stating they were " initiating a review, '' but failed to provide any supporting documentation or proof of the debt as required by law. As of XX/XX/year>, no legally sufficient validation has been received. Continued reporting to the credit bureaus without proper validation violates both the FDCPA and FCRA 623 ( b ), as the account remains on my credit reports despite lack of verification. This failure to validate constitutes a willful and negligent violation of federal law and my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
I filed a complaint with the XXXX  in 2022 about my this situation. I was promised by USAA that I would get my payments set forward due to Covid hardship only to find that they would then tow my vehicle without any notice and without honoring the payment plan that was set. Not only did they take my vehicle, but they expedited it to be put up for auction. Again, with no notice. They changed the keys and dented my vehicle as well as caused water damage. They also did not return all of my items back to me during the time that I was figuring this entire situation out. When I finally got my vehicle back, my trunk was full of my own personal property. And then, when paying the vehicle off entirely, they stole an extra XXXX and acted like it was some sort of " simple '' mistake. I've now discovered that a class action lawsuit was approved for USAA overcharging thousands in unauthorized fees. So not only should my vehicle have never been taken from me in the first place, but I was put through so much during this and it was right when my grandfather, who served for this country, passed. I require compensation for this entire situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: TX

Complaint narrative:
I had a hotel accidentally charge me a XXXX dollar charge and a XXXX dollar charge same night middle of the nigXXXX XXXX XXXX  after I paid for a venue and they cancelled but charges only one went back to my account the second never did it is still on hold. I need the funds to fix my car and cash app refuses to give it back. I know usually funds are held 5 to seven days foXXXX XXXX  and XXXX they are violating reg XXXX terms and holding it a month I need funds now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Sent a XXXX transfer to a scammer name of XXXX XXXX of {$500.00}. The bank said there was nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to formally request the deletion of all negative and derogatory items on my credit reports maintained by the three major credit reporting agencies : Equifax, Experian, and XXXX. This request is based on severe and ongoing violations of my rights, gross negligence in protecting my personal data, and the resulting damage to my credit profile and financial well-being. 

My Social Security Number and other sensitive information have been exposed due to multiple data breaches, including the widely publicized Equifax breach. This exposure has led to my personal information being available on the dark web, putting me at risk for identity theft and fraudulent activity. Despite the breach and the harm caused, I received a settlement check of only {$1.00}, which is not only inadequate but a profound insult considering the scale of damage done to my financial standing and creditworthiness. 

As a result of these failures and inaccuracies, my credit score has plummeted from the XXXX to the XXXX, causing me to be denied a critical loan and experience substantial financial hardship. I am a XXXX patient dealing with medical and financial stress, and the unjust reporting has only exacerbated my situation. Additionally, hospital bills I did not owe were reported to collections and remained on my credit report even after dispute and correction. Some previously removed or corrected items have inexplicably reappeared, further harming my credit and violating the Fair Credit Reporting Act ( FCRA ). 

I demand a full and immediate investigation and the permanent deletion of all inaccurate, unverifiable, and outdated items from my credit reports. Continued reporting of false and harmful information constitutes willful noncompliance and causes irreparable harm to a vulnerable consumer already facing extraordinary personal and financial challenges. 

This letter is a formal demand for remediation and justice. I reserve the right to pursue all available legal remedies if these issues are not resolved promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
The bank Im complaining about is SoFi Bank. Nothing happened. All my transactions are legal. I was informed 20 mins ago that my account was restricted. I called and asked them why. They refused to give me and answer. They then proceed to go on and say that my account is closed but the funny thing is my account isnt closed yet. For my account it be closed I would have no access to my account but I do. I believe there is a XXXX motive behind this. I do no illegal activities and Im a law abiding citizens I have people to take care of and my money is being held hostage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Macys is reporting a closed XXXX XXXX account on my XXXX  report. This account was opened as a result of identity theft. I made contact with XXXX and was advised this account was opened up under my name but a similar social security number. I have attached my FTC 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 non-monetary relief