vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my XXXXXXXX credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed immediately, as I did not authorize them. The disputed inquiries are as follows : XXXX XXXX  XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> I do not have any accounts with these companies, nor did I authorize them to conduct a hard inquiry on my credit report. These inquiries are negatively affecting my credit score, and as they are unauthorized, they should be removed immediately. Please conduct a thorough investigation and provide me with a written response confirming the removal of these inquiries. If these inquiries can not be verified as authorized, they must be deleted per the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: IL

Complaint narrative:
I wasnt the one who got the phone in my name someone else did without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MS

Complaint narrative:
Complaint Description : On XX/XX/year>, several hard inquiries were placed on my credit report as part of an auto loan rate shopping process. These inquiries were from the following lenders : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( dealership or third-party lender ) I was applying for an auto loan, and these inquiries were conducted within a very short window, all on the same day. I did not accept nor receive financing from any of these companies, and no new credit account was opened with any of them. 

Under FCRA guidelines, inquiries for the same type of credit within a short time frame should be treated as XXXX for scoring purposes. However, these inquiries are still listed separately on my credit report and are negatively affecting my credit standing. 

I have attempted to dispute these inquiries directly with the credit bureaus and contacted some of the creditors involved, but the inquiries remain. I respectfully request the CFPBs assistance in having these inquiries removed, as they do not reflect an actual extension of credit and were part of a single rate-shopping event. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MS

Complaint narrative:
Complaint Description : On XX/XX/year>, several hard inquiries were placed on my credit report as part of an auto loan rate shopping process. These inquiries were from the following lenders : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( dealership or third-party lender ) I was applying for an auto loan, and these inquiries were conducted within a very short window, all on the same day. I did not accept nor receive financing from any of these companies, and no new credit account was opened with any of them. 

Under FCRA guidelines, inquiries for the same type of credit within a short time frame should be treated as XXXX for scoring purposes. However, these inquiries are still listed separately on my credit report and are negatively affecting my credit standing. 

I have attempted to dispute these inquiries directly with the credit bureaus and contacted some of the creditors involved, but the inquiries remain. I respectfully request the CFPBs assistance in having these inquiries removed, as they do not reflect an actual extension of credit and were part of a single rate-shopping event. 

Thank you for your time and attention to 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 explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of XXXX XXXX XXXX. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of XXXX XXXX XXXX. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 



2. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-04-07 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: IL

Complaint narrative:
I kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of XXXX XXXX, XXXX requesting that these be deleted within 15 days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be inaccurate.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion and XXXX and XXXX are saying it's valid but it's not because it's a third party debt that I have no contract with and I sent the company an email telling them to stop so I want to get paid for breaking the law and falsely allowing things to be placed on my report without my permission and it need to be taken off my report now Under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( b )

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX and Experian and XXXX are saying it's valid but it's not because it's a XXXX party debt that I have no contract with and I sent the company an email telling them to stop so I want to get paid for breaking the law and falsely allowing things to be placed on my report without my permission and it need to be taken off my report now Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b )

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 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This complaint updates and expands upon my original submission ( Complaint # XXXX ) filed in XX/XX/XXXX, which did not include the full scope of violations due to limited awareness at that time. 

On XX/XX/XXXX, XXXX County Magistrate Court dismissed Case No. XXXX with prejudice, confirming that the alleged rental debt owed to XXXX XXXX XXXX  was legally resolved with a {$0.00} balance. No judgment was entered, and the case is permanently closed. 

Despite this, XXXX XXXX XXXX began illegal collection efforts on XX/XX/XXXX, sending communications that misrepresented the legal status of the debt. I never signed a lease with XXXX XXXX our lease was with XXXX XXXX XXXX  XXXX, and XXXX took over management months later without any written agreement or consent. 

On XX/XX/XXXX, we sent a cease communication notice to XXXX XXXX, the XXXX XXXX XXXX at XXXX XXXX, instructing her to stop contacting us and to direct all further communication through her legal counsel. Despite this notice, she replied by stating that a third-party collector would be reaching out. XXXX XXXX XXXX then escalated the matter by involving Columbia Debt Recovery LLC ( Genesis ), who began contacting us on XX/XX/XXXX and continued through XX/XX/XXXX. 

On XX/XX/XXXX, Area Vice President XXXX XXXX responded via email stating : " On behalf of management and ownership we respectfully disagree with your alleged claims and decline your demand for payment. '' We replied the same day with : " Your response has been received and will be formally documented in both of our CFPB complaints, which now reflect XXXX FDCPA violations and a {$70000.00} statutory demand. At this time, we are proceeding with all available legal and regulatory channels. No further communication is required. '' XXXX XXXX  XXXX XXXX XXXX was CCd on this response for transparency and XXXX accountability. 

We have now documented XXXX violations of the Fair Debt Collection Practices Act ( FDCPA ), including : False representation of debt and legal standing Failure to validate the debt Contact after cease notice Use of deceptive and threatening language Misuse of our personal and legal information We are demanding {$70000.00} in statutory damages under FDCPA XXXX ( XXXX U.S.C. XXXX ), with all evidence uploaded and submitted in support. We respectfully request a full investigation and enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-07 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I did not open or authorize these accounts, yet they are being reported under my name. This is completely inaccurate, and I need an immediate explanation of how this happened. My credit history is being unfairly impacted, and this situation needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: VA

Complaint narrative:
On XXXX XXXX XXXX I set up a payment arrangement with UNIFIN for a debt collection with XXXX XXXX acct # XXXX. I paid {$500.00} that day and requested that {$500.00} be taken out monthly starting XX/XX/XXXX. I made sure that she understood the first arrangement payment would not come out until XX/XX/XXXX. They still took another {$500.00} from my account on XX/XX/XXXX that I did not authorize. And saying that I cant get it back for 30 days! I am on a fixed income and this has caused me to fall behind in other payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-07 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX  XXXX **** XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX **** XXXX XXXX XXXX XXXX XXXXXXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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. 

and according to XXXX USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-08 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: AL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach after reviewing my credit reports I notice so accounts I am not familiar with I have ask the CRA for validation of debt however the information has not been provided due to my information being exposed I have submitted a ftc compliant reporting the information I am not familiar with. 

XXXX XXXX should be included as well erase this account Please find attached copy of my ID, THE FTC COMPLAINT, A COPY OF MY ID COPY OF MY DATD BREACH REPORT SHOWING I WAS EXPOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach after reviewing my credit reports I notice so accounts I am not familiar with I have ask the CRA for validation of debt however the information has not been provided due to my information being exposed I have submitted a ftc compliant reporting the information I am not familiar with. 

XXXX XXXX should be included as well erase this account Please find attached copy of my ID, THE FTC COMPLAINT, A COPY OF MY ID COPY OF MY DATD BREACH REPORT SHOWING I WAS EXPOSED

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