vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Re : Request for removal of Unauthorized Inquiries To Whom It May Concern : WHAT IN THE WORLD IS GOING ON HERE?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT ONLY THE PERMISSIBLE PURPOSE FOR PULLING A PERSON 'S CREDIT REPORT IS : 1. A FIRM OFFER OF CREDIT 2. INSURANCE 3. AN APPLICATION F OR EMPLOYMENT 4. A COURT ORDER Notice, it is a fact, affiant is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : LANDERS CH 12/30/23 PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY!!! THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

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

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY!!! THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone did fraud with my credit. They even got unemployment funds in the amount of XXXX when I was in XXXX All of this is holding me up from getting an apartment so I dont have to sleep in my car. I need all these items deleted so I can move on with my life and be a XXXX  to my XXXX

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

Complaint narrative:
Someone did fraud with my credit. They even got unemployment funds in the amount of XXXX when I was in XXXX! All of this is holding me up from getting an apartment so I dont have to sleep in my car. I need all these items deleted so I can move on with my life and be a XXXX to my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was applying for a Capital One credit card. I read that just to see if Im preapproved. It will not affect my credit score as soon as I applied and the turnaround was for XXXX points loss off my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX at XXXX XXXX CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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 : XXXX XXXX # XXXX - DATE OPENED XX/XX/year> Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently received a copy of my credit report and found several inaccuracies and unauthorized accounts/information reporting to my credit report. These erroneous remarks have adversely impacted my credit health and overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered an unauthorized inquiry made by XXXX. I did not provide consent for this inquiry nor did I authorize any transactions with XXXX. This inquiry appears to be a direct violation of my rights under various federal statutes, and I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold XXXX accountable. 
I have contacted XXXX directly to resolve this issue but have yet to receive any satisfactory response or resolution. I also requested documentation and proof of authorization for this inquiry, but none was provided. 

Date of Unauthorized Inquiry : XX/XX/year> XXXX balance amount : {$2200.00} Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : Under 15 U.S.C. 6802, financial institutions, including credit reporting agencies like XXXX are obligated to safeguard consumers ' personal data. The unauthorized inquiry made on my credit report suggests a failure to protect my information in accordance with this provision.

Violation of 15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purposes for Credit Reports ) : According to 15 U.S.C. 1681b, a credit reporting agency can only access and disclose consumer reports for specific purposes, such as with consumer consent or for transactions the consumer has authorized. As I did not authorize this inquiry, I believe XXXX violated my rights under the Fair Credit Reporting Act ( FCRA ). 

Violation of 18 U.S.C. 1028A ( Identity Theft and Fraud ) : 18 U.S.C. 1028A criminalizes the use of another persons identity for fraudulent purposes. If this unauthorized inquiry was a result of identity theft, I am concerned that my personal information has been used without my consent, which would be a direct violation of this statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered an unauthorized inquiry made by XXXX. I did not provide consent for this inquiry nor did I authorize any transactions with XXXX. This inquiry appears to be a direct violation of my rights under various federal statutes, and I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold XXXX accountable. 
I have contacted XXXX directly to resolve this issue but have yet to receive any satisfactory response or resolution. I also requested documentation and proof of authorization for this inquiry, but none was provided.

Date of Unauthorized Inquiry : XX/XX/year> XXXX balance amount : {$2200.00} Violation of 15 U.S.C. 6802 ( XXXX XXXX ) : Under 15 U.S.C. 6802, financial institutions, including credit reporting agencies like TransUnion, are obligated to safeguard consumers ' personal data. The unauthorized inquiry made on my credit report suggests a failure to protect my information in accordance with this provision.

Violation of 15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purposes for Credit Reports ) : According to 15 U.S.C. 1681b, a credit reporting agency can only access and disclose consumer reports for specific purposes, such as with consumer consent or for transactions the consumer has authorized. As I did not authorize this inquiry, I believe XXXX violated my rights under the Fair Credit Reporting Act ( FCRA ). 

Violation of XXXX XXXX. XXXX ( Identity Theft and XXXX ) : XXXX XXXX. XXXX criminalizes the use of another persons identity for fraudulent purposes. If this unauthorized inquiry was a result of identity theft, I am concerned that my personal information has been used without my consent, which would be a direct violation of this statute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I called my Navy Federal XXXX XXXX card company on XX/XX/XXXX in regards to interest that was shown on my statement due XX/XX/XXXX. I was inquiring about the amount because I had done a balance transfer with a promo rate of 0.99 % recently ( on XX/XX/XXXX ) for {$19000.00}. On last months statement ( due XX/XX/XXXX ), it showed that I had done a balance transfer with the 0.99 % for {$16000.00} ( which was incorrect ) but I figured it would be straightened out this month. It was not. They charged me 18 % on purchases of {$2400.00} which I'm assuming is the leftover amount from the balance transfer? I made purchases that month for approximately {$4200.00} and made a payment ( with credits from refunds ) of {$5600.00}. So I paid more than the purchases and the excess of the amount should of been applied to the balance transfer. That was also not done. 

So when I called the customer service line, the representative I first spoke to couldn't figure out what happened so I was then transferred to a supervisor. The supervisor told me " that's just how it is and don't use the card anymore '' without further explanation. I use this card all the time and it's been my go to card for years. My understanding is that they are supposed to apply any excess of payment to highest interest first. Which would be the 18 % - even though I paid the balance in full and I don't know why they have a balance there anyway. I would like to report this issue as I feel like they are taking advantage of me and charging me for interest that I did not accumulate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May Concern, I recently receive a copy of my ( XXXX, XXXX & TransUnion XXXX credit report and noticed some late payments posted on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES.

( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668.

Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity fraud 3. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations 4. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after my Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation