vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MI

Complaint narrative:
Due to inadequate customer service unfair practices which violates the Customer Financial Protection Act ( CFPA ). 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 Resolution E. These actions have cost significant inconveniences and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: OH

Complaint narrative:
I recently received my 3 bureau Credit Report and noticed 3 accounts and 4 hard inquiries that do not belong to me. Those accounts are XXXX XXXXXX/XX/XXXX opened in XX/XX/XXXX XX/XX/XXXX with a balance of {$700.00}. XXXX XXXX, opened on XX/XX/XXXXXX/XX/XXXX with a balance of {$860.00}.XX/XX/XXXX, opened in XX/XX/XXXX with. Balance of {$2000.00}. I also noticed 2 hard inquiries from XX/XX/XXXXXXXX opened, 1 hard inquiry from XXXX, and 1 hard inquiry from XXXX XXXX The above accounts doesn't belong to me, and I never gave permission to the inquiries above to run a hard inquiry on my credit report. I have never established any business with these companies, or had any communication with them. Any payments made to these companies were not made on my behalf.

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 2025-02-10 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-02-10 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Called NFCU, spoke with customer rep that acknowledged 2 return items with multiple fees on XX/XX/scrub> 2025,. He stated the return item fees were charges incurred by the Federal Reserve when there is insufficient funds in an account to cover an item. They were not fees charged by NFCU. When questioned regarding this statement he replied that was the way it had been since he began working at NFCU 3 years ago. He also they were giving their customers a break because the charge they incurred by the Federal Reserve was actually much higher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have an fha loan and this mortgage company XXXX has not provided proof of my mortgage note that if I am late less than 15 days that I have authorized a late payment.

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 2025-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
Okay, let me do this again because your website kept the information from the first three steps and the documents but not all my typed information. 
On XX/XX/XXXX I open a Saving Account with Morgan Stanley XXXXXXXX. I made repeated transfers to this Savings account since that day. I requested a transfer on XX/XX/XXXX to purchase an item ( about a third of the funds ) and on my third attempt to inquire on the status of those funds did Morgan Stanley tell me they have frozen and closed my account. All the assistance with the exception of today assistant treat me with hostility and talked to me condescendingly. Even today assistant attempted to lie as to me getting this resolved as the letter states '' If you believe this is in error call us and I did and he would not resolve it. I opened up with I request a Supervisor as I have done multiple times and all refuse and I am sure all supervisors are the ones who refuse. Because the assistant disappears multiple times for minutes at a time and then gets back on the line. 
My complaint is that only when I asked for my funds in those almost three months did Morgan Stanley claim Fraud and never would they tell me over the phone so this could be resolved. they just continued to take my funds. When I was depositing monies it was not a fraud. Only when I ask from my monies did they state my account information was fraudulently used. I believe this to be a tactic form Morgan Stanley to not Pay me my 4.0 % in interest and to keep my funds ( more than {$47000.00} ) from me so that Morgan Stanley can continue to collect interest of my funds but refuse my funds and interest as Morgan Stanley has locked my out of my funds and any access to my funds which has got to be a crime. I told XXXX XXXX XXXX XXXX XXXXXXXX That I will contact you. I today will also send them a USPS Certified letter demanding my monies with full interests. I want to place my funds back to the XXXX XXXX XXXX XXXXXXXX with all full interest I have accrued since XX/XX/XXXX. To hold my monies hostage and to make recovery of my funds almost impossible to tactically delay my funds so they they can collect interest and not pay mine or access to my monies is a serious scandal and needs to be fully investigated. As I stated it been moths and they have made no attempt to tell me the account my have been fraudulently used by someone. Also when I applied for this account they got all my information and I nor my XXXX has place a complaint of fraud. It obvious Morgan Stanley is the true fraud here and needs to be fully investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NM

Complaint narrative:
Subject : Formal Dispute of Unauthorized Credit Inquiries Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB Representative, I am formally disputing unauthorized inquiries appearing on my credit report that were not authorized by me. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and creditors are only permitted to access my credit report with my express consent or for permissible purposes. The inquiries listed below violate my rights, and I demand their immediate removal.

Disputed Unauthorized Inquiries Upon reviewing my credit report, I have found multiple inquiries that I did not authorize. These inquiries negatively impact my credit score and financial standing. As such, I demand that these inquiries be removed immediately in accordance with my rights under the FCRA.

Here are the inquiries that should be removed immediately. 

XXXX XXXX XX/XX/XXXX IR ( miscellaneous ) XX/XX/XXXX XXXXXX/XX/XXXX( XX/XX/XXXX ) XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX) XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXFCRA Violations 15 U.S.C. 1681b ( f ) Credit inquiries must be conducted for a permissible purpose. If a creditor or entity has accessed my report without my consent, they have violated federal law.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If the investigation into my dispute finds that the inquiries are inaccurate, unverifiable, or unauthorized, they must be removed immediately.

15 U.S.C. 1681n and 1681o If an entity willfully or negligently violates the FCRA by falsely reporting unauthorized inquiries, they can be held liable for damages.

Requested Action I request the immediate removal of all unauthorized inquiries from my credit report. Additionally, I ask that the CFPB ensures credit reporting agencies conduct a proper investigation into these unauthorized inquiries and provide written confirmation that they have been removed.

Supporting Documents I have attached the following documents to support my dispute : A copy of my government-issued ID A recent credit report highlighting the unauthorized inquiries Under 15 U.S.C. 1681i ( a ) ( 1 ), the credit bureaus are required to investigate this dispute within 30 days and remove any unverifiable or unauthorized information immediately.

I expect a written response confirming the resolution of this dispute. If further action is required, I will explore all legal avenues to protect my credit profile. You may contact me at XXXX or XXXX for further information. 

Sincerely, 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 2025-02-10 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 was a victim of identity theft. I have filed a police report, Ftc report and request that the information be removed from my credit with no response or removal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: MT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XX/XX/XXXX# XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXX/XX/XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
Transunion has been at fault not complying to to the FCRA. There creditor made a soft inquiry as they accepted to my complaint to the CFPB, and Transunion still neglects to remove it. 
Attached you will find the acceptance from XXXX that they did a soft inquiry and Transunion must remove it. Transunion from last year has not removed the inquiry causing economic impact to the consumer. Id Theft was reported to the FTC, and the person intending to apply was not able to provide the information requested, since I am the only one that has it. Therefore they issue an adverse action notice, and noticed me of the intent of fraud. 

Transunion was copied with the ID Theft report and they never validate the inquiry with the creditor, nor remove the inquiry from my report.

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 2025-02-10 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: FL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX 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 2025-02-10 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX 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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: TX

Complaint narrative:
An Education Department official confirmed that XXXX XXXX and " XXXX '', a non-existent and unsanctioned group of people parading as a government agency, has gained access to vast databases of students ' personal and financial information. Specific date of data breach is unknown to me, but this was reported by XXXX XXXX on XX/XX/XXXX, XXXX l have never granted XXXX XXXX or anyone that refers to themselves as a member of " XXXX '' to access my educational records and financial data. This is a breach of my privacy and personal data as well as a direct violation of 18 U.S.C. 1030.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
It was {$500.00} unauthorized transferred from my Zelle account without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: WV

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 2025-02-10 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to MERCEDES-BENZ FINANCIAL SERVICES, yet MERCEDES-BENZ FINANCIAL SERVICES is not removing this fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : MERCEDES-BENZ FINANCIAL SERVICES / XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-10 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XX/XX/year>, a direct deposit of {$5000.00} was made to my USbank account from University of California, Irvine, but the USbank put it on hold due to safety issue. I have already contacted the usbank online service and they told me to go to the branch and ask the manager for help. The manager said that they can not do anything since this was done by the bank system and they asked me to let the university payroll office to submit a request for refund. I called the university payroll office but they said they can not request refund and the bank should return the money automatically.

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 2025-02-10 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MT

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - DATE OPENED XX/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 non-monetary relief