vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am FTC Report Number : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX I recently pulled my XXXX consumer reports and notice several unauthorized inquires and many versions of my name inaccurate. My Correct name XXXX XXXX XXXX XXXX. INACCURATE NAMES XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX, XXXX XXXX XXXX. APT XXXX XXXX TX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX. DAL TX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, UNAUTHORIZED INQUIRIES : XXXX  FINANCIAL XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX AUTO FINANCE XXXX, XXXX  CREDIT UNION XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VIA XXXX XXXX XXXX XXXX, SAME DAY AUTO XXXX, XXXX  ACCEPT XXXX, XXXX XXXX SERV XXXX, XXXX XXXX, NXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  CREDIT XXXX, CREDIT ACCEPTANCE 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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: MO

Complaint narrative:
OnXX/XX/XXXX, I received both a credit and a debit card in the mail from Chime Bank ( dba XXXX XXXX XXXX ) which I did NOT request or apply for. By the time I received the mail, it was past XXXX. I called Chime Bank the next day, XX/XX/XXXX and they wanted my personal information and sounded like scammers with very broken English. I refused and told them I did not feel comfortable giving them that information. He was persistent and after requesting the information several times, told me he could not close the account without me giving him this information. I gave them my birth month and year, but not day and they found that a Debit card had been issued and he could close the account. He said he could not find a credit card had been opened. However, I have a physical XXXX debit card and physical XXXX credit card in my possession that Chime sent me. I then spoke with a supervisor and he verified that I did have a XXXX Credit Card that was opened and issued and said he would close the account. I asked how they could have opened this account since my credit is frozen with XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) credit bureaus. The agent said someone probably had enough info about me to open the account. However ; even if I myself tried to open an account, if the bank follows the legally required steps of running my credit to open an account they would see my credit is frozen and would not open a new credit line. 

After the call, I checked all three credit bureaus ( XXXX XXXX XXXX XXXX ) and verified that XXXX XXXX bureaus currently have a credit freeze active. I also checked my credit report on XXXX XXXX bureaus and NO hard inquiries have been made and these accounts with Chime ( XXXX  XXXX XXXX ) do not appear on the bureaus. 

I believe Chime is fraudulently opening new accounts. I could see a debit card being opened, but it should not be possible to open a CREDIT line if they are running and checking credit as they are legally required to do. 

I would like a follow-up to this case and report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I recently viewed my consumer reports and noticed several inaccuracies on my reports. INACCRATE PERSONAL INFORMATION : INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES ; 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..

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 2025-05-03 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: TX

Complaint narrative:
I use aura to monitor my credit. I was notified today XX/XX/year> that there was a credit inquiry from capital one to XXXX. I contacted the capital one and they told me I do not have account with them and I need to contact the XXXX. I contacted the XXXX and I was told to file a complaint through federal trade commission and contact capital one again for unauthorized inquiry letter and mail it to XXXX. I did not make this inquiry to capital one or XXXX and all activity regards to this issue is fraud. I made a report to federal trade commission and my report number is XXXX. I was also told by XXXX to file a complaint through consumerfinance.gov.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
After carefully reviewing my credit reports from Experian, TransUnion, and Equifax, I discovered an alarming number of unauthorized hard inquiries around 74 entries for which I never gave any form of consent or authorization. I did not apply for credit with these entities, and I did not permit any third parties to access my credit profile. 
These inquiries constitute a direct violation of my privacy rights and a serious breach under the Fair Credit Reporting Act ( FCRA ). The excessive number of inquiries is not only damaging my credit profile and reputation but also making it increasingly difficult for me to provide for my family and secure future financing. I have suffered emotional distress and financial harm as a result. 
These actions appear to violate several key provisions of federal law : 15 U.S.C.1681b ( f ) : Prohibits any person from obtaining a consumer report unless they have a permissible purpose and proper authorization. These inquiries were made without my knowledge or consent and therefore lack a lawful basis.

15 U.S.C.1681c-2 : Grants consumers the right to block information resulting from identity theft. I assert that these inquiries were made without my authorization and may be linked to fraudulent activity or gross procedural misconduct.

15 U.S.C.1681d : Requires specific, written authorization before investigative consumer reports can be procured. I demand production of such written consent for each of these 74 inquiries.

15 U.S.C. 1681e ( a ) : Requires credit reporting agencies to adopt reasonable procedures to protect the confidentiality, accuracy, and relevance of information furnished. Allowing unauthorized access violates I am formally requesting that the CFPB open an investigation into this matter, and that Experian, TransUnion, and Equifax be compelled to : Provide written proof of my authorization for each of the 74 hard inquiries listed on my credit reports. 


Immediately remove all unauthorized and unverified inquiries that lack documented consent or permissible purpose. 


Implement procedural safeguards to prevent future unauthorized access to my consumer file. 


Provide a written statement confirming the completion of this investigation and detailing the corrective actions taken. 


If these inquiries are the result of identity theft or unauthorized access, then under the FCRA, they must be blocked from my report immediately upon request and proof of identity.

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 2025-05-03 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: NC

Complaint narrative:
After carefully reviewing my credit reports from Experian, TransUnion, and Equifax, I discovered an alarming number of unauthorized hard inquiries around 74 entries for which I never gave any form of consent or authorization. I did not apply for credit with these entities, and I did not permit any third parties to access my credit profile. 
These inquiries constitute a direct violation of my privacy rights and a serious breach under the Fair Credit Reporting Act ( FCRA ). The excessive number of inquiries is not only damaging my credit profile and reputation but also making it increasingly difficult for me to provide for my family and secure future financing. I have suffered emotional distress and financial harm as a result. 
These actions appear to violate several key provisions of federal law : 15 U.S.C.1681b ( f ) : Prohibits any person from obtaining a consumer report unless they have a permissible purpose and proper authorization. These inquiries were made without my knowledge or consent and therefore lack a lawful basis.

15 U.S.C.1681c-2 : Grants consumers the right to block information resulting from identity theft. I assert that these inquiries were made without my authorization and may be linked to fraudulent activity or gross procedural misconduct.

15 U.S.C.1681d : Requires specific, written authorization before investigative consumer reports can be procured. I demand production of such written consent for each of these 74 inquiries.

15 U.S.C. 1681e ( a ) : Requires credit reporting agencies to adopt reasonable procedures to protect the confidentiality, accuracy, and relevance of information furnished. Allowing unauthorized access violates I am formally requesting that the CFPB open an investigation into this matter, and that Experian, TransUnion, and Equifax be compelled to : Provide written proof of my authorization for each of the 74 hard inquiries listed on my credit reports. 


Immediately remove all unauthorized and unverified inquiries that lack documented consent or permissible purpose. 


Implement procedural safeguards to prevent future unauthorized access to my consumer file. 


Provide a written statement confirming the completion of this investigation and detailing the corrective actions taken. 


If these inquiries are the result of identity theft or unauthorized access, then under the FCRA, they must be blocked from my report immediately upon request and proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
To Whom this may concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Acts ( FCRA ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose. The current amount listed is {$890.00}, Account no. XXXX. Ive reached out to Midland credit management several times asking for the collection to be removed from my credit report as it is an account that I do not recognize and was not opened by me, and has affected my credit health tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: American Financial Network Inc.
State: CT

Complaint narrative:
1. American Financial Network and or XXXX XXXX did a refinance with me in XXXX and during the refinance the documents were not done by a notary public, and the entire mortgage should be rescinded for these practices. 

2. In addition to this the original loan as shown in the loan modification here was {$170000.00} and there is no way that the loan could grow to {$250000.00} and this amount and a refund accordingly needs to be done for at least {$70000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
This complaint is the same as the complaint I file a year ago on Jefferson Capital complaint # XXXX. I received another letter and again in XXXX and which I don't understand. Jefferson Capital got a judgement on for debt I disputed due incorrect balance owed. I tried to upload the letter in your system, but your system won't let me. 
Jefferson Capital is breaking the law by communicating in language I don't understand. Also, not given me a chance to mediated or understand what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: IA

Complaint narrative:
I am victim of identity theft I requested Experian to block delete all accounts involved along with supporting documents validating errors. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have added the engagement number which indicates that my personal information was impacted by a data breach. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached.

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 2025-05-03 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: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
Improper use of my credit wrong debt information that affects my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax for reporting late payments that I have reason to believe are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I have the right to dispute and demand an investigation into any information I believe is incorrect.

There are multiple discrepancies between my reports with different credit bureaus, raising serious doubts about the validity of these reported late payments. Despite my previous disputes, the inaccuracies remain uncorrected, negatively impacting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Unifin Inc.
State: NY

Complaint narrative:
Good afternoon, I just need my credit fixed it jumped and I don't know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding XXXX unauthorized hard inquires that appear on my Equifax credit report listed below. I did not authorize these inquiries below, nor did I initiate any credit applications with the companies listed below. I have not given written or verbal permission for my credit report to be accessed, and I believe these inquires were made without my consent & are fraudulent. 

I reached out to Equifax, and they advised me to submit a formal complaint with the CFPB. I am requesting that these XXXX inquires be removed from my credit file as they are inaccurate and not reflective of any action I took. Thank you for your assistance in removing these hard inquires from my Equifax credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently look my credit report and I noticed so many inaccuracy in my credit report. These account is hurting my ability to attend credit. Is my understanding that experience it will investigate this account to ensure the accuracy. Here is the account I am asking you to verified as accurate : capital one Bank. ( Account number is XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX I submitted a balance transfer from XXXX XXXX to Bank of America and it was applied to the wrong account. XXXX XXXX  after many months of wasting my time still has no resolved the issue and has directed me to work with Bank of America to process a " missing payment investigation '' but Bank of America was unable to help me. I've tried to get in contact with someone from Bank of America 's executive response unit with no results. I have documentation from XXXX XXXX showing the account where the money was applied and the correct account where it should have been applied. The accounts are the same except two numbers are switched. Since the ACH transfer went through to BOA, XXXX XXXX can not recall the funds so it is Bank of America 's responsibility to apply the funds to the correct account. I am hoping this complaint will get me to the right person in Bank of America to fix this issue. I never got any results from XXXX XXXX until I filed a similar complaint and that's when their executive response unit reached out and the situation was explained to me on XX/XX/XXXX, a full 10 months after the mistake was made.

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 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
This account was charged off XX/XX/2023. Since then, the account has repeatedly, been updated as charged off every month. This is updating the payment history. A charged off account should not include an active payment history. This in accurate information, firstly, manipulates the statutes of limitations. Your failure to investigate this account properly after I ask you to do so multiple times has violated my rights. I am demanding a deletion of this account. 

Account Name : XXXX XXXX XXXX XXXX Account # : 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 2025-05-03 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: MD

Complaint narrative:
Equifax continues to verify a disputed account while simultaneously claiming it is unable to validate or verify my identity. This contradiction is both illogical and a clear violation of my rights under the Fair Credit Reporting Act. It demonstrates that Equifaxs investigation process is fundamentally flawed and insufficient. I am demanding the immediate deletion of this item from my credit report due to Equifaxs failure to provide any legitimate proof that the account in question belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing XXXX request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information XXXX obtain loans XXXX credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me XXXX block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief