vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Unlawful Reinsertion of Deleted Accounts To Whom It May Concern, On XX/XX/year> I discovered a few accounts had been re-inserted into my credit file. You are REQUIRED by law to notify me within XXXX ( XXXX ) days of re-inserting a previously deleted item, and I did NOT receive any such notification. Please delete these items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRCA- Section XXXX ( B ) ( XXXX ) - 15 U.S.C. 1681 If any information that has been deleted from a consumers file is reinserted in the fie, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to agency. 

Please follow XXXX and XXXX guidelines and permanently delete these items, or a lawsuit will follow if the complaint with the Consumer Financial Protection Bureau ( CFPB ) does not conclude a successful result. 

Enclosed you will find the most recent credit reports ( XXXX XXXX ) reflecting a deletion of the accounts from XXXX, but improperly re-inserted by Experian. 

Thank you for your attention to this matter. I look forward to your timely response and the prompt removal of these accounts. 


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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$0.00} Open Date XX/XX/year> XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/scrub>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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Unauthorized inquiries on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
I dont recognize these inquiries it is identity deft Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-29 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 disputing inaccurate information on my credit reports and requesting an immediate investigation. Specifically : XXXX ) XXXX XXXX XXXX ( Account No. XXXX ) This account is fraudulent and incorrectly reported as an individual collection account with a past-due balance of {$1500.00} as of XX/XX/XXXX, despite the last status update being in XX/XX/XXXX. 

XXXX ) Hard Inquiry from XXXXXXXX XXXX XXXX XXXX inquiry was recorded on XX/XX/XXXX, which I do not recognize or authorize. 

I request Experian to thoroughly review all supporting documents I have submitted, including my affidavit, FTC report, ID, proof of address, and Social Security card, and take the necessary steps to correct or remove these inaccuracies. Additionally, I ask for a written response detailing the outcome of the investigation and an updated copy of my corrected credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
I am disputing inaccurate information on my credit reports and requesting an immediate investigation. Specifically : XXXX ) XXXX XXXX XXXX ( Account No. XXXX ) This account is fraudulent and incorrectly reported as an individual collection account with a past-due balance of {$1500.00} as of XX/XX/XXXX, despite the last status update being in XX/XX/XXXX. 

XXXX ) Hard Inquiry from XXXXXXXX XXXX XXXX XXXX inquiry was recorded on XX/XX/XXXX, which I do not recognize or authorize. 

I request Experian to thoroughly review all supporting documents I have submitted, including my affidavit, FTC report, ID, proof of address, and Social Security card, and take the necessary steps to correct or remove these inaccuracies. Additionally, I ask for a written response detailing the outcome of the investigation and an updated copy of my corrected credit report. 

Thank you for your prompt attention to this matter.

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 2025-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
XX/XX/XXXX I contacted Aldous & Associates regarding a mail piece to a collect a debt from XXXX apartments for {$21000.00} in XXXX and XXXX them this is not my debt. 

XX/XX/XXXX XXXX mailed in proof of identity including : -XXXX XXXX XXXX XXXX XXXX XXXX  -FTC affidavit -Documentation to show I was part of a data breach. 

They emailed me after speaking with them that they would not contact me for XXXX days to get my information in order. 
XX/XX/XXXX I received a text message to collect debt from Aldous & Associates dishonoring their XXXX day grace period. 

I have not yet heard back from them with an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: HI

Complaint narrative:
Could you please delete all of my hard inquiries from : XXXXXXXX XXXX XXXXXXXX USED XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you very much!

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 2025-03-29 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: HI

Complaint narrative:
Could you please delete all of my hard inquiries from : XXXXXXXX XXXX XXXXXXXX USED XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you very much!

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 2025-03-29 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: IN

Complaint narrative:
15 usc1681 because of data breach information on XXXX different credit reports do not match. Unknown access and unauthorized access compromised filed

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 2025-03-29 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: IN

Complaint narrative:
15 usc1681 because of data breach information on XXXX different credit reports do not match. Unknown access and unauthorized access compromised filed

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 2025-03-29 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:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
because of data breach all accounts are compromised per 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am asking for a investigation on my credit report as this account isn't reporting correctly on my credit profile. I have seek legal consel as this account is validate my rights. Pending outcome of this investigation please send me a updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am asking for a investigation on my credit report as this account isn't reporting correctly on my credit profile. I have seek legal consel as this account is validate my rights. Pending outcome of this investigation please send me a updated credit 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 2025-03-29 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: GA

Complaint narrative:
I am disputing the information related to the FTC complaint that was filed, as it appears on my credit profile. I request validation of the debt in question to confirm that it belongs to me, XXXX XXXX via using the laws stated in the Fair Dept Credit Reporting Act. If the debt can not be properly validated, I request that it be removed from my credit profile, as it is negatively impacting my life. Please be aware that verification does not constitute validation.

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 2025-03-29 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 am disputing the information related to the FTC complaint that was filed, as it appears on my credit profile. I request validation of the debt in question to confirm that it belongs to me, XXXX XXXX via using the laws stated in the Fair Dept Credit Reporting Act. If the debt can not be properly validated, I request that it be removed from my credit profile, as it is negatively impacting my life. Please be aware that verification does not constitute validation.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
Im disputing the information in this FTC complaint, as it appears on my credit profile, I would like validation of the debt to prove it belongs to me ( your name ). If the debt cant be validated, I would like for the debt to be removed from my credit profile.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Im disputing the information in this FTC complaint, as it appears on my credit profile, I would like validation of the debt to prove it belongs to me ( your name ). If the debt cant be validated, I would like for the debt to be removed from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Application in my name for XXXX  XXXX and American Express. Did not apply for either card. I XXXX XXXX XXXX has not applied for any credit cards including XXXX  XXXX and American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I made an online purchase for tires through XXXX for {$430.00} on XX/XX/year>. The money was deducted from my checking account balance and placed on a hold status. That afternoon, XXXX cancelled my order because they did not have the items in stock. I was told it could take up to XXXX business days for my money to return to my checking account, but that it usually settles within 2 days, depending on my bank. 10 days went by and the money was not back in my account so I contacted Chime. They instructed me to contact XXXX because XXXX had not yet released my funds. So I contacted XXXX who stated that the money was released immediately upon order cancellation, and they gave me a transaction #. XXXX said if I gave that # to my bank, my bank should return my money immediately. So I spoke, via online live chat, with an agent from Chime, who stated that XXXX hadn't released the money. I gave her the proof that XXXX did return it, and her reply was that she was glad to see that I am paying attention to my account so closely. She then said it can take up to 10 days, and I reiterated the fact that it had already been 12 days. I asked to speak to a supervisor. She acted like I was being transferred, but just kept me on hold for XXXX minutes before checking to see if I was still on the line. Hearing that i was, I was placed on another extended hold, until I finally asked if I would be transferred or not. She answered that the system was not allowing her to transfer me, and then asked if I could take a call instead. I agreed and asked when the call would take place, and was told I actually was transferred afterall and to hold. After a few minutes, I asked if I was speaking to a supervisor, I got no response. I was given the run around and waited on hold for a total of XXXX hours before I finally gave up. It has now been 24 days and I've still gotten no money back nor any further response from chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I sent correspondence asking for validation because they kept my presentment but said they need us cash.so I sent another letter explaining finance charge and presentments.did not receive response.

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 2025-03-29 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: MD

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: UT

Complaint narrative:
On XXXX XXXX funds were sent to Karlen {$1000.00} On XX/XX/XXXX it shows Krakenpro received {$1000.00} XXXX XXXX XXXX sent me {$4000.00} XX/XX/XXXX, {$20000.00} received by kraken pro XXXX XXXX {$60000.00} was deposited into my Karken pro account. 
XXXX XXXX {$200000.00} was deposit XXXX XXXX {$120.00} was deposited into my bank. 
These were not trades. 
There is a trade tab within their platform and there are XXXX records of trades. 
Account # XXXX Routing # XXXX Is not connected to Reference XXXX XXXX XXXX Account name Payward Ventures XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX If this was going to MY account I want the balance of that whole entire bank account where my money went. 
Kraken is crediting my account and then saying that my money was traded is incorrect they need to show proof there is no proof of this

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