vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX, XXXXXXXX XXXX, I discovered several unauthorized hard inquiries on my credit reports from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX. I did not apply for credit, authorize any inquiries, or have any business relationship with these companies. 

On XX/XX/year> ], I contacted TransUnion, Experian, and Equifax to dispute these inquiries. I explained that I did not authorize them and requested their removal under the Fair Credit Reporting Act ( FCRA ) Section 604, which requires a permissible purpose for obtaining a consumer report.

Despite my dispute and providing the necessary information, the credit reporting agencies refused to remove the inquiries, claiming they were valid without providing any evidence of my authorization. I believe these inquiries are fraudulent and are negatively impacting my credit profile. I am requesting the Consumer Financial Protection Bureau to assist in having these unauthorized inquiries removed and to hold the companies accountable for violating my rights under FCRA.

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 2025-04-29 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: MD

Complaint narrative:
I have submitted this dispute numerous times concerning an account on my credit report that I strongly believe remains both inaccurate and incomplete. Despite my continued efforts, the incorrect information persists, and there is no indication that a proper or thorough investigation has taken place. 

This unresolved matter has caused considerable emotional distress and is now affecting my everyday life. I am feeling increasingly overwhelmed and discouraged by the ongoing lack of resolution. 

For clarity, I am personally submitting this disputeno third party is involved. I respectfully urge that a full and fair review be conducted without further delay. 

Thank you for your time and consideration.

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 2025-04-29 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: MD

Complaint narrative:
I have submitted this dispute numerous times concerning an account on my credit report that I strongly believe remains both inaccurate and incomplete. Despite my continued efforts, the incorrect information persists, and there is no indication that a proper or thorough investigation has taken place. 

This unresolved matter has caused considerable emotional distress and is now affecting my everyday life. I am feeling increasingly overwhelmed and discouraged by the ongoing lack of resolution. 

For clarity, I am personally submitting this disputeno third party is involved. I respectfully urge that a full and fair review be conducted without further delay. 

Thank you for your time and consideration.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
Money was taken from my account on different occasions, I reached out to the merchant so I didnt have to get a new card just yet but when my attempts went unnoticed I filed a dispute with chime once I filed my dispute the total of my dispute came up to {$6400.00} my initial dispute was filed on XX/XX/XXXX & it was denied on XX/XX/year>. So I appealed the dispute on XXXX separate occasions what chime calls is a rebuttal. Ive submitted screenshots that were sent to me from the merchant, I submitted over XXXX pictures of the proof to chime but each one of my XXXX appeals were denied & when I asked why was my initial dispute denied I was told by a representative that I would receive an email within XXXX business days as to why it was denied I never received an email with that information & Ive been told the same thing about my appeals & still no information as to why its being denied but the police are currently investigating it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I took out a loan with Affirm. The loan receipt that I used to buy something with has my name on it after Affirm approved me for their Visa Card. It has my billing address on it. But the loan has incorrectly linked to another persons account who I do not know. As a result I am not able to access and even make payments on that loan. I have contacted Affirm who did not help and tried to accuse me of it being fraudulent activity when I have proof I used that card and am trying to make payments on it. I am worried this will come with late fees and a hit on my credit score since I can not access the loan to pay it off. I am requesting Affirm immediately correct the account connection so I am able to access my loan, as well as no negative information will be reported to credit bureaus during this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
I am submitting this complaint regarding Experian, XXXX XXXX XXXX XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. I've been trying to dispute negative entries on my credit report, such as hard inquiries, credit cards, and loans opened in my name with my stolen identity. Experian, XXXX XXXX XXXX have not taken any of my disputes seriously. My information has been sold to different companies and entities, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I have attached an FTC report of the disputed accounts. Experian has either failed to verify the information properly or has responded with a vague " Verified '' statement without explanation of the investigation processes or correcting the errors. This failure to conduct a reasonable investigation, along with my identity being stolen and sold, has caused serious damage to my credit score and financial wellness, affecting my ability to get approved for housing, loans, and 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 2025-04-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I purchased Vanilla Visa gift card at XXXX XXXX within walking distance to purchase groceries on line via delivery service because I have no transportation, The card was declined at ever service i tried XXXX said they would accept the card but it was interfered with before they could process it. It was difficult to get info from the VanillaVisa but they finally said I could not use the card for any delivery service for groceries. I could use it at the grocery store but not for delivery. I bought the card specifically to use it to purchase groceries that could be delivered I am XXXX with no transportation and it was difficult to walk to XXXX XXXX to purchase the card. 

There is no indication or information on the documents or the website stating the card can not be used for purchasing groceries for delivery. This is fraud. I paid cash for the card. I want a full refund and I want the company to have to pay some restitution for committing fraud. Now I have no groceries and i can not use the card because I only wanted it to get groceries delivered, I am out the {$50.00}. Plus XXXX for the service fee paid at purchase. 

I think the company who is responsible for Vanilla Visa Gift Cards is InComm XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TN

Complaint narrative:
I have submitted this dispute countless times regarding an account on my credit report that I firmly believe is still inaccurate and incomplete. Despite my repeated efforts, the incorrect information remains, and it does not appear that a proper investigation has been conducted. 

This ongoing issue has caused me significant emotional stress and is now impacting my daily life. XXXX feeling overwhelmed and disheartened by the lack of resolution. 

To be clear, I am submitting this dispute personallyno XXXX is acting on my behalf. I respectfully request that a thorough and fair review be carried out as soon as possible. 

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

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 explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items are mandated. Kindly review the listed items below that requires correction : XXXX XXXX XXXX * * * * Balance : {$2400.00} XXXX XXXXXXXX XXXX * * * * Balance : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX * * * * Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX  XXXX * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * Balance : {$21000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$4800.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX A ) XXXX * * * * Balance : {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX * * * * Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX * * * * Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX * * * * Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items are mandated. Kindly review the listed items below that requires correction : XXXX XXXX XXXX * * * * Balance : {$2400.00} XXXX XXXXXXXX XXXX * * * * Balance : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX * * * * Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX  XXXX * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * Balance : {$21000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$4800.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX A ) XXXX * * * * Balance : {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX * * * * Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX * * * * Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX * * * * Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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 have been involved in multiple data breaches, my information has been improperly used without my consent. t recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my
consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

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 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 2025-04-29 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation