vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: CO

Complaint narrative:
. I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-22 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: NY

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 2025-06-22 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: OH

Complaint narrative:
There are several hard inquiries listed on my credit report that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), any party requesting access to my credit file must obtain my explicit consent before making a hard inquiry. I did not provide such authorization for the inquiries in question, and their presence on my report constitutes a violation of my rights under FCRA 604 ( 15 U.S. Code 1681b ), which requires permissible purpose and consumer consent.

These unauthorized inquiries may have impacted my credit score negatively and are causing me financial and emotional distress. I am requesting a full investigation into these inquiries, including documentation of the permissible purpose and any records of my consent. If no valid documentation exists, I am demanding that the inquiries be removed from my credit report immediately in compliance with FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding a fraudulent credit card account reported by JPMCB CARD ( Account # : XXXX ) I am the victim of identity fraud. The card was tampered with and used without my knowledge or consent. I made payments under the assumption the account would be resolved properly, but I never had full control of the account due to this fraud issue. 

Despite multiple fraud claims and disputes, this account is still being reported as : Charged off with a {$4000.00} past due balance Showing 16 months of negative payment history ( 30180 days late ) Reported across all three major credit bureaus This is false, misleading, and damaging to my credit. 

Violations : FCRA 15 USC 1681s-2 ( b ) Failure to conduct a proper reinvestigation and report accurate data FCRA 1681i ( a ) Failure to delete unverifiable and fraudulent information after a dispute FCRA 1681c-2 Failure to block identity theft-related data IRS Publication 4681 / 1099-C Requirements If your company took a tax break by writing this account off as a profit loss, then you were required to issue me a Form 1099-C No 1099-C has been provided, which is a violation of federal tax and consumer reporting standards Supporting Case Law : Engelhardt v. Garvens, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) When proof is not supplied, we may presume the alleged debt does not exist. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Creditors must investigate claims of unauthorized use and remove unverifiable data XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) A reasonable reinvestigation requires more than a superficial confirmation from the furnisher

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: AZ

Complaint narrative:
CFPB Complaint Submission Report Complainant : Address : XXXX XXXX XXXX PL Email : XXXX Subject : Dispute of Inaccurate Late Payments Request for CFPB Intervention LAST 4 SSN : XXXX To Whom It May Concern, I am filing a formal complaint against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -for reporting inaccurate late payments on my credit report associated with my account ending in XXXX - XXXX Despite having submitted multiple disputes directly to both the credit bureaus ( XXXX XXXX XXXX ) and the furnisher XXXX the late payments remain on my credit report without any legitimate validation or supporting documentation. The information being reported is inaccurate and unverifiable, and the continued reporting constitutes a violation of federal consumer protection laws.

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) : Information furnishers are required to provide accurate and complete information. If a consumer disputes the accuracy of information, the furnisher must not continue reporting the disputed information without proper investigation and verification.

15 U.S.C. 1681i ( a ) : Credit bureaus are required to conduct a reasonable reinvestigation of disputes within 30 days and delete or modify any information that is found to be inaccurate, incomplete, or unverifiable.

I have yet to receive any documents that validate the accuracy of the reported late payments. No original contract or payment records have been provided to substantiate the claims, which makes the continued negative reporting both unjust and unlawful. I have exhausted my direct dispute rights under the FCRA and am now seeking the CFPBs assistance in holding the responsible parties accountable.

Additionally, I request that this matter be thoroughly investigated and that all unvalidated late payments be immediately removed from my credit file in accordance with federal law. Furnishers and credit bureaus must comply with proper CMI ( Consumer Monthly Information ) dispute processes and can not continue reporting unverifiable derogatory marks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom ever this may concern I XXXX XXXX have never applied for any of the accounts below XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX svcs These companies have provided someone with all of my information. They really just provided someone with all of my personal information without my consent. My wallet was lost and someone has been signing up for everything using my identity. Ive reached out to these companies numerous amounts of times letting them know I have never opened any account with them. I have sent my police reports and FTC reports. None of the companies listed was willing to work with me with understanding that im a victim of identity theft, please remove all accounts from all 3 major credit agencies XXXX  Equifax as well as XXXX. I also want a 15-30 day investigation on all accounts and then sremived immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
Zelle did not give disclosures regarding money transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX Accounts to Be Removed : XXXX. ACCOUNT DETAILS : Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX. ACCOUNT DETAILS : Account Name : XXXX XXXX XXXX Account Number : XXXX * * Account Opened : XX/XX/XXXX XXXX. ACCOUNT DETAILS : Account Name : XXXX AUTO Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Opened : XX/XX/XXXX Fraudulent Inquiries to Be Removed : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 XX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Transunion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 2025-06-22 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: PA

Complaint narrative:
I disputed unauthorized credit inquiries dragging my score down online and via phone and they will not even acknowledge the issue or the error and just respond that they are a factual part of a credit report and will remain for XXXX  years.

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 2025-06-22 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: PA

Complaint narrative:
I disputed unauthorized credit inquiries dragging my score down online and via phone and they will not even acknowledge the issue or the error and just respond that they are a factual part of a credit report and will remain for XXXX  years.

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 2025-06-22 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: NY

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-22 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: NY

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-22 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: AL

Complaint narrative:
I requested the removal of incorrect names and addresses on several occasions : XXXX XXXX XXXX, XXXX XXXX and I also called and spoke with someone on 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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information : ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am writing to formally request full disclosure of all documents and accounting records related to account number to Capital One # XXXX, as I am the heir-beneficiary and have a vested interest in this matter. Please provide the following : 1.Complete balance sheets ( including Forms 2046, 2049, 2099 ) and any related OMB-numbered documents XXXX 2.Transaction records detailing the application of my promissory note or equivalent financial instrument. 3.Closing and settlement statements showing the extinguishment of any associated debts. 4.Full accounting or ledger for receivables and payables tied to my account. 5.Copies of any trust or escrow activity involving my contributions. 6.Details of any bonds or securities created using my assets. 7.Copies of IRS forms ( e.g., Form 1099 ) and any other tax-related documents. I request these documents under the Privacy Act, FOIA, and principles of Trust Law, and I expect full disclosure as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
I haven't applied for any credit since XXXX and these companies have pulled my credit without consent. 
Screening reports XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I am writing to express my concern over the infringement of my consumer rights caused by the dissemination of inaccurate information. Fair treatment is my fundamental right as a consumer, and I kindly request a thorough explanation of the deficiencies in meeting accuracy and compliance obligations. 

Moreover, it is crucial to emphasize that I can not tolerate negative information, regardless of its certification. What truly matters to me is the verifiable truth regarding your company and the data associated with my credit profile. The lack of accuracy in the credit report I received is surprising, as it is expected that you adhere to the FCRA and applicable XXXX XXXX data field formatting standards. I hereby challenge you to provide a comprehensive, verified, complete, and truthful document that supports each claim made. Failure to adhere to these standards, as outlined in the XXXX XXXX, poses a severe risk to data integrity. 

Equifax : Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Experian : Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX TransUnion : Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX, XXXX, GA XXXX Employer - XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged 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 2025-06-22 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: OH

Complaint narrative:
I request to hav certain data in my file erased. The items to be erased r on the atached report. Since I am an identity theft victim, I did not do the listed charges. Please erase these items as soon as posible to rectify my credit report. I wrote to the FTC and complained bout identity theft, and I included copies of their Identity Theft Affidavit. Plse destroy these items in a timely manner.

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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy federal bank is refusing to dispute fraud charges and discrimination claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief