vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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 writing to dispute unauthorized hard inquiries that appear on my credit reports. I did not authorize these inquiries, nor have I received any contract, application, or documentation demonstrating permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

I previously submitted formal disputes and inquiries to all three major credit reporting agenciesExperian, Equifax, and TransUnionrequesting that they investigate and verify the legitimacy of these inquiries. Not only did I receive no timely or adequate response, but the credit bureaus also failed to provide the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Under the doctrine of estoppel by silence ( Engelhardt v. Gravens, 281 S.W. 715, 719 ), silence in response to a rightful demand for information is taken as an admission. Since no documentation has been provided and no method of verification has been disclosed, I presume : No proof of authorization exists No valid permissible purpose was present These hard inquiries were made in violation of the FCRA At this point, the continued reporting of these inquiriesafter failure to verify or provide the method of verificationconstitutes willful noncompliance under 15 U.S.C. 1681n and is grounds for legal action and regulatory complaints. 

See below : Experian XXXX. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX  XXXX Date of inquiry : XX/XX/XXXX Equifax XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Transunion XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-04-11 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: CT

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to formally report that a bank account has been opened in my name without my knowledge or consent. I did not authorize this account, nor did I provide permission for anyone to use personal information for this purpose. 
BANK XXXX Navy Federal Credit Union DATE - Year XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
My information was exposed in a data breach under section 605 B I request my information be removed immediately.My rights were violated also according to 15USC 1692c In lawful communications. The information is also reported inconsistent with other credit bureaus 16 USC 1681 15 A also 16 USC 1681 Eb. It was also brought to my attention that CFPB has filed a lawsuit against the company. I am not surprised since this explains my situation. I need these remarks removed immediately I need to complete my schooling get my degree and buy a home. This isnt fair my rights are violated and laws have been broken as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
My information was exposed in a data breach under section 605 B I request my information be removed immediately.My rights were violated also according to 15USC 1692c In lawful communications. The information is also reported inconsistent with other credit bureaus 16 USC 1681 15 A also 16 USC 1681 Eb. It was also brought to my attention that CFPB has filed a lawsuit against the company. I am not surprised since this explains my situation. I need these remarks removed immediately I need to complete my schooling get my degree and buy a home. This isnt fair my rights are violated and laws have been broken as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: MS

Complaint narrative:
these accounts are fraud XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX # XXXX BALANCE {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX BALANCE {$0.00} XXXXXXXX XXXX XXXX # XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
XXXX XXXX XXXX. 
XXXX, OH XXXX Re : Our Reference No. Creditor Balance Due XXXX XXXX XXXXXXXX {$890.00} Account No. : XXXX Dear XXXX XXXX : Transworld Systems Inc. ( TSI ) has received your complaint filed with the Consumer Financial Protection Bureau. TSI has researched this matter and the findings are set forth below : TSI requested and has received validation information for your account. Enclosed is the validation information relating to the above-referenced account. You may contact XXXX XXXX at ( XXXX ) XXXX for any further questions regarding your account. 
In an attempt to help you find resolution we have forwarded a copy of your complaint to XXXX. In response, XXXX has responded that the charges are valid and owed. The balance is {$890.00} which consists of Equipment fee of {$380.00}, Service fee of {$260.00}, Late fee of {$73.00}, Restoration fee of {$67.00} and XXXX fee of {$100.00}. 
Please be advised that we have contacted the credit bureaus, with which we do business, with our request to place our listing of the above account on your credit profile in a disputed status. Please be advised that we can not effect a change to how any other company may have listed the above account on your credit profile. 
We appreciate the opportunity to respond to your inquiry and provide you with the enclosed documentations Very truly yours, TSI Consumer Affairs \XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MO

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
ALL ACCOUNTS IN FTC POLICE REPORT ARE SEE ATTACHED ON FTC POLICE REPORT ALL ACCOUNT LOANS CREDIT CARDS ARE FRAUD ALL FROM DATA BREACH 'S

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
ALL ACCOUNTS IN FTC POLICE REPORT ARE SEE ATTACHED ON FTC POLICE REPORT ALL ACCOUNT LOANS CREDIT CARDS ARE FRAUD ALL FROM DATA BREACH 'S

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: MN

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: MN

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-04-11 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: MN

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
See Attachment. The dispute concerns inaccurate information on my credit report. I have also included a Method of Verification ( MOV ) request and a Notice of Default and Demand for Correction. This filing is to document my efforts and ensure accountability in case they fail to comply with its legal obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Texas Business & Commerce Code Chapter 20.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding a {$39.00} membership fee recently charged to my credit card account. 

I have been a loyal Capital One customer for several years and have consistently paid my credit card account on time. Despite this positive payment history, Capital One has repeatedly denied my requests for credit limit increases, without providing clear justification. 

Given this pattern of limited service and lack of account growth, I am concerned about the rationale behind the {$39.00} membership fee. I believe it is unfair to charge this fee when cardholders like myself are not receiving the benefits typically associated with such charges, such as improved credit terms or account features.

Company response to consumer: Closed with explanation