vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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:
As per my credit report, your company obtained my credit file on XX/XX/XXXX/XXXX  I don't recall applying for credit or employment with : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, Ca XXXX From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at XXXX XXXX XXXX XXXX  " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which thereport is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose

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 2025-07-17 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: MI

Complaint narrative:
This letter is a formal dispute regarding a collection account appearing on my credit report which I did not authorize, initiate, or consent to. The reporting of this fraudulent item constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/year>, I was charged {$1500.00} by an auto repair shop called XXXX by XXXX for brake repairs. I paid using my Capital One debit card. The merchant claimed they used official XXXX XXXX parts and completed the repairs properly. However, within a month and a half, the same issue returned. I then had my vehicle inspected by a certified XXXX XXXX XXXX who confirmed in writing and on video that aftermarket brake pads were used and that a lug bolt was left broken inside the wheel posing a serious safety risk. 

I submitted a detailed dispute to Capital One with all the documentation, including the dealerships diagnostic report, photos, videos, and a request for a refund. However, the dispute was denied with no explanation addressing the evidence I submitted. I asked Capital One to confirm whether the part numbers matched XXXX specifications and to acknowledge the broken lug bolt. They failed to answer or provide any investigation notes related to this. 

This was not just a matter of quality it was a case of deception and customer endangerment. I am asking the CFPB to step in and ensure Capital One properly investigates the claim instead of dismissing it without engaging with the clear evidence presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-17 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: TX

Complaint narrative:
I recently obtained a copy of my credit report and identified several unauthorized hard inquiries. I did not initiate any credit-related applications nor grant anyone access to my credit file. These inquiries violate federal law and must be removed immediately. Failure to do so may result in a formal complaint with the Consumer Financial Protection Bureau and potential legal action under 15 U.S. Code 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

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 2025-07-17 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
This is a formal request under the Fair Credit Reporting Act to remove an address from my credit report that is inaccurate. I have never lived at the listed location and have no association with it.

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 2025-07-17 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: CT

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-17 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: TX

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX * Balance Owed : XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-17 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: NY

Complaint narrative:
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 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 2025-07-17 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: NY

Complaint narrative:
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 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 non-monetary relief
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
I am submitting this complaint due to multiple unauthorized hard inquiries reporting on my credit file that I did not approve, initiate, or authorize. These inquiries were made without my written consent and have no accounts tied to them. Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 2 ), this violates the requirement of permissible purpose.

I submitted a written block request under FCRA Section 605B with my identification, proof of address, and a copy of my credit report. The law states that any disputed item lacking proper authorization must be blocked within 4 business days of receiving documentation. That deadline has passed, and the inquiries remain on my report with no removal or communication. 

List of Unauthorized Inquiries ( No Account Associated ) : XXXX XXXX XXXXXX/XX/XXXX TransUnion EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax These are harming my credit and were not authorized by me. I am requesting that the CFPB enforce my rights under the FCRA and ensure these unauthorized inquiries are permanently deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
I initiated a {$40.00} transfer from my XXXX XXXX  XXXX account using the Current app on XX/XX/XXXX. Current canceled the transaction without returning my funds. Now the money is missing, not present in either my Current or XXXX account. Attempts to contact support have failed. No one has really helped me. I am missing {$40.00} and being ignored. Although I cant find the transaction on my bank account any more. They have admitted to owning me money and returning my money, its yet to be given back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-17 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
I am a victim of identity theft. Two fraudulent accountsXXXX and XXXX  XXXXare still showing on my Equifax credit report. I have never opened or authorized these accounts and did not benefit from them in any way. 

I submitted a current FTC Identity Theft Report, a notarized affidavit, government-issued ID, and proof of address. Despite these documents and my request under FCRA 605B to block the accounts, Equifax has failed to remove them. I also requested the method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and no documentation was provided. These accounts are causing ongoing credit harm and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
This letter is a formal follow-up to my original dispute regarding an account reporting on my credit file called Bright. Your previous response stated that the information was verified as accurate, yet you failed to provide the method of verification, the name and contact information of the data furnisher, and proof that a reasonable investigation was conducted. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am legally entitled to a detailed description of how your investigation was conducted, including : 1. The method of verification you used, 2. The name, address, and phone number of the party who verified the account, and 3. Proof that a reasonable investigation occurred.

If you are unable to provide this information within four ( 4 ) calendar days of receipt of this letter, you must immediately delete the disputed account from my credit file. Failure to comply is a violation of the FCRA and may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and civil legal action. 

This is a time-sensitive matter. Please respond in writing to the address listed above. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
I recently checked my credit file with all credit bureau this company by the name of Columbia Debt Recovery LLC dba Genesis is causing me a huge amount of XXXX XXXX XXXX This company is stating I owe over {$5000.00} for an apartment I never lived in. I never received a debt validation letter to dispute the debt first and foremost which is a violation of 15 USC 1692g. I am going to ask for this information one more time before I file a lawsuit against Genesis since they are saying they own this debt and one against XXXX XXXX XXXX. I am 100 % sure I'll win with flying colors. Please provide me with a copy of the original application showing my signature and identification. Please provide what method of identifying that was done. Also please provide method of verifying employment to even obtain this apartment. Also, how was rent payment made no payments were taken from my bank account or credit card. If this is my account you should have all this information available. My court filing I need to see title of ownership transfer, date of sale for this debt, an itemized statement from the date I supposedly moved in and signed a lease, please have XXXX XXXX XXXX  provide video surveillance showing I walked in an received keys for this apartment, and approval letter from apartment complex showing I was approved, I never heard of this apartment complex and I have no problem adding XXXX XXXX XXXX XXXX XXXX to my lawsuit. I am also submitting a formal company to the FBI about Genesis XXXX  me over a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
These are not my inquiries : Company Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I attached debt that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
ACCOUNT NUMBER XXXX Navy Federal Credit Union Past due Balance shown on credit report {$17000.00} ( INACCURATE ) Highest balance {$17000.00} ( INACCURATE ) Last payment date shown : XX/XX/XXXX ( INACCURATE ) In XX/XX/XXXX, Me and my attorney ( XXXX XXXX XXXX XXXX ) settled this credit card debt with Navy Federal Credit Union 's attorney ( XXXX XXXX XXXX ). The settlement amount was {$10000.00} and it was agreed to make {$300.00} payments each month starting XX/XX/XXXX per the agreement contract. I have been making each payment on time every month. 

Despite this agreement and making payments. Navy Federal Credit Union has not updated this on my credit report. They have continued to report negatively each month and have not updated the CORRECT balance, even though I contacted them to correct. 

I have reached out to Navy Federal Credit Union and they have not corrected my credit report. This is ILLEGAL and against the law.

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