vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: MS

Complaint narrative:
Re : Request for removal of Unauthorized Inquiries To Whom It May Concern : WHAT IN THE WORLD IS GOING ON HERE?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT ONLY THE PERMISSIBLE PURPOSE FOR PULLING A PERSON 'S CREDIT REPORT IS : 1. A FIRM OFFER OF CREDIT 2. INSURANCE 3. AN APPLICATION F OR EMPLOYMENT 4. A COURT ORDER Notice, it is a fact, affiant is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY!!! THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
The loan was for the XXXX XXXX for {$9600.00} on XX/XX/year>. I knew it was a spam and have not done anything about it. The website is : affirm.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and XXXX Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I found a {$19.00} charge on my credit card from EQUIFAX. I asked politely 3 times to remove it. Cause I did not authorize it. They would not!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TN

Complaint narrative:
I recently discovered unauthorized hard inquiries on my TransUnion credit report, including one from XXXX XXXX XXXX dated XX/XX/year>. I did not apply for credit or authorize these inquiries, and I suspect they are the result of identity theft. Over the years, my personal information has been exposed in several data breaches, including the XXXX data breach, the XXXX XXXX XXXX data breach, and potentially the recent XXXX XXXX XXXXXXXX XXXX XXXX. These breaches may have compromised my Social Security number and other sensitive information, making it easier for bad actors to attempt fraudulent activities in my name.

I have already taken steps to address this issue, including filing an FTC Identity Theft Report and contacting XXXX XXXX XXXX to request documentation of the inquiry and details of the fraudulent application. I am concerned about further misuse of my information and need assistance to resolve this issue and protect my credit profile.

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 2025-01-31 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: TN

Complaint narrative:
I recently discovered unauthorized hard inquiries on my XXXX credit report, including one from XXXX XXXX XXXX dated XX/XX/year>. I did not apply for credit or authorize these inquiries, and I suspect they are the result of identity theft. Over the years, my personal information has been exposed in several data breaches, including the XXXX data breach, the XXXX XXXX XXXX data breach, and potentially the recent XXXX XXXX XXXX XXXX XXXX. These breaches may have compromised my Social Security number and other sensitive information, making it easier for bad actors to attempt fraudulent activities in my name.

I have already taken steps to address this issue, including filing an FTC Identity Theft Report and contacting XXXX XXXX XXXX to request documentation of the inquiry and details of the fraudulent application. I am concerned about further misuse of my information and need assistance to resolve this issue and protect my credit profile.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I spoke with a Venmo agent about getting my direct deposit sent to my moms Venmo and the agent ensured me that it was ok. 2 days after the money hit the account the account was frozen and permanently deleted and my funds are being held for up to 180 days. This isn't a small amount of money, its {$3400.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
My personal data has been exposed in multiple data breaches beginning in XXXX and I began making disputes. However, I was informed that my data was exposed by XXXX XXXX in XXXX and I continued disputing items in my credit report and the accounts are still on my credit report. 

Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-30 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: TX

Complaint narrative:
in regards to the data breach and i have sent in multiple disputes with the credit bureaus and i just get ridiculous letters about its not me sending information.

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 2025-01-30 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is falsely alleging debt of {$530.00}, when XXXX 's account closed with {$0.00} ( XXXX ) balance. XXXX 's is in violation of fair debt collection practices act 15 U.S.C. 1692. XXXX has removed the inaccurate information, as, XXXX XXXX has allowed FRAUD to take place and delusionally believe I should pay for their failures. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL.

Respectfully, XXXX XXXX XXXX XXXXXXXX PHONE : XXXXXXXX EMAIL : 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 2025-01-30 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is falsely alleging debt of {$530.00}, when XXXX 's account closed with {$0.00} ( XXXX ) balance. XXXX 's is in violation of fair debt collection practices act 15 U.S.C. 1692. XXXX has removed the inaccurate information, as, XXXX XXXX has allowed FRAUD to take place and delusionally believe I should pay for their failures. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Respectfully, XXXX XXXX XXXX XXXX PHONE : XXXX EMAIL : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
i recieved a email from XXXXXXXX XXXX XXXX XXXX It is a none working link, i then tried to run my credit on XXXX XXXX  and it wont allow me to get a report it has been this way for 2 months also the inquiries are still on my reort because I ourchaed XXXX and nothing has been fixed i have attched the emaik and a screen shot of what it is saying when trying to get the report i have sent them documentation of the ID theft, along woth hard inquiries, case number from police and id theft report and nothing iit has been alnost 1.5 months

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 2025-01-31 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: CA

Complaint narrative:
Fraudulent inquiries reporting on Transunion : XXXX XXXX XXXX  Date : XX/XX/scrub>XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX Date XXXX XX/XX/year> XXXX. XXXX Date : XX/XX/year> These inquiries are fraudulent. I have not applied for credit with the above listed lenders.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: LA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing too adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed.

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 2025-01-31 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: LA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing too adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
My money has been taken out of my account and has not been given back to me multiple times, this is so frustrating and annoying I just want my money back from cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Accounts are as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. Among other inaccurate factors. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 1681s-2 ( A ) ( 1 ) A person shall 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. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the accounts/Inquiries below be removed immediately per my instructions enclosed :

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Basically my card was stolen and whom ever stole it did two transactions of XXXX $ and I reported the next day because thats when I saw it and Ive been with this bank for year and even a home equity line I would never do this like open the camera footage and look at the difference of the person Im XXXX XXXX XXXX Im in my XXXX and they do this to 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 2025-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: AZ

Complaint narrative:
This is Medical Debt from a XXXX procedure which was denied by the Veterans Administration as unnecessary. This debt is reporting to XXXX, XXXX and XXXX which is against present regulations.

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