vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are hard inquiries that were not authorized by me and I need these removed immediately. I have spoken to the credit bureau who refuse to investigate and remove the hard inquiries. I was also aware that there was a breech and this was an impact to me. Please remove these unauthorized inquires.

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 2025-03-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: NC

Complaint narrative:
I filed for financial assistance was approved 100 % .but then now after approval I'm receiving a debt collection letter from a 3rd party.2 different amounts for 1 date. XX/XX/year> AMOUNT XXXX ( XXXX ) AMOUNT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXTHAT IS WHY I APPLIED FOR XXXX AN FINANCIAL ASSISTANCE WITH MY XXXX XXXXHE COMPANY IS REVCO XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX took this report off of my credit report and it needs to be added back on so it will show past credit history

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX took this report off of my credit report and it needs to be added back on so it will show past credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: IL

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I did not initiate these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within 15 days. Relevant supporting documents are attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TX

Complaint narrative:
Experian and Equifax have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax have neither corrected or removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law rights as a consumer.

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 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank Bread Cash credit card charged me twice for the XX/XX/XXXX statement and I paid twice {$1100.00} on XX/XX/XXXX and XX/XX/XXXX. 

When I realized that they charged me twice for the exact same statement, I asked to be refunded for the second payment. They didn't do it, so I asked my Bank to return the second payment to my account and they did. 

After my bank returned my double payment, Comenity Bank returned it too, so I paid Comenity Bank {$1100.00} again on XX/XX/year>. 

The balance should be {$0.00}, but Comenity Bank is still showing that I owe {$1100.00} and pressuring me to pay. 

Comenity Bank customer service was not helpful and they never apologized for charging me twice for the same statement, instead, they insisted on me paying double for the same statement. 

I asked for an audit to be done on the account because I suspect that they might charged me double in the past and I didn't notice it, but they have not done so. Please see attached paperwork. I was referred to you by the XXXX XXXX XXXX 

Please let me know if additional information is needed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally dispute multiple unauthorized hard inquiries on my credit report that resulted from my auto loan application at XXXX XXXX XXXX XXXX XXXX, Florida. While I did inquire about financing, I only authorized one credit pull, but the dealership submitted my application to multiple lenders without my explicit consent, leading to an excessive number of hard inquiries.

The following unauthorized hard inquiries need to be removed : XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX & XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason for Dispute : I did not authorize multiple credit pulls. 
Under the Fair Credit Reporting Act ( FCRA ), inquiries must be permissible and authorized by the consumer. 
XXXX XXXX engaged in shotgunning submitting my application to multiple lenders without my consent. 
This excessive number of inquiries was not part of my agreement, and I was not informed that my credit would be pulled this many times.

Since these inquiries were excessive and unauthorized, I am requesting that they be removed immediately. If these inquiries can not be verified, they must be deleted from my credit report, as required by the FCRA ( 15 U.S.C. 1681i ).

I have enclosed the following documents to support my claim : A copy of my credit report with the disputed inquiries highlighted A copy of my drivers license or government-issued ID A copy of a utility bill or bank statement for identity verification Please investigate this matter and provide me with a written response within 30 days, as required by law. If you need any additional information, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Debt was created under unfair practices of case mismanagement and lack of timely communication and correspondence relating to debt. Did not receive documentation or ledger of final balance, did not receive a notice of right to dispute debt before collection attempt. This debt is a lack of business ethics and integrity of documentation. I did not do business or sign a contract with any collection agencies to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
Im writing to bring your attention to a credit inquiry on my report that I did not authorize, and it clearly has no permissible purpose. Im not sure how this inquiry was made, but I want to make it clear that I never gave permission for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX : {$0.00} & XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX : {$0.00} & 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 2025-03-08 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: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX2024XX/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 explanation
Consumer complaint received 2025-03-08 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: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX2024XX/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 explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
I will refer to a previous complaint I filed a year ago XXXX which has been closed. I tried to transfer funds from my Navy Fed account in the XXXX to my XXXX XXXX account here in the XXXX using a credit transfer. This failed due to the fact that Navy Fed does not do credit transfers to foreign credit cards, but still processed my application and sent a CHECK to XXXX XXXX. 
I have been in contact several times with representatives from both Navy Fed and XXXX XXXX each working with-in the Office of the XXXX. With the time difference from me in XXXX XXXX XXXX and there XXXX offices, it has been hard to keep in touch. XXXX have sent a CHECK back, but It hasn't been seen at Navy Fed. I have had to call back to have XXXX to cancel the check and send another to an updated address. I have not heard if it has arrived. I have requested they the XXXX offices need to call each other to sort this issue. Both have declined to follow my suggestion/request. 
It has now been over XXXX  years since this issue accord. I need the money back that never arrived plus re-imbursement for the credit card payments I have been and still are making. I also feel that XXXX XXXX should provide compensation for the interest earned while the funds have been in there holding account. After all I don't have an account with them so they should never have deposited the check. Why are they still sending CHECKS between banks for money transfers?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Pursuant to 15USC1681 ( a ) 6 ( B ) 3 I am requesting the MOV ( Method Of Verification ), in writing, used to verify this account. This is my 3rd and final request to receive the information before seeking legal remedy to have this account deleted permanently from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: The CBE Group, Inc.
State: OK

Complaint narrative:
CBE GROUP INC " FORMERLY XXXX '' has a debt from a utility on my account that does not belong to me.Years ago i paid this illegitame debt so that it would be removed from my report. I have requested multiuple times that they remove the debt from my credit report to no response from company. The data from the collection doesnt even match at the diffrent credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-08 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: NC

Complaint narrative:
I am writing to formally report a delay in the investigation of inaccuracies on my credit report, which I initiated on XX/XX/year>. As of today, the 30-day investigation period required by the Fair Credit Reporting Act ( FCRA ) has passed, and the investigation has not been completed within the legally mandated timeframe. 

I initially requested an investigation into the following issues on my credit report : Inaccurate information regarding and Outdated or inconsistent reporting that does not align with the timelines specified under the Fair Credit Reporting Act ( FCRA ). 

Creditor agreed to remove from report with payoff, balance is {$0.00}. In addition, the item is reporting with inconsistencies amongst bureaus. 
XXXX XXXX Equifax : XXXX Experian : XXXX Transunion : XXXX The following information is outdated... 
XXXX XXXX XXXX Equifax : XXXX Experian : XXXX Transunion : XXXX The following information is outdated... 
XXXX XXXX XXXX Equifax : Experian : XXXX Transunion XXXX XXXX Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to complete investigations of disputed information within 30 days of receiving a dispute. As this deadline has passed without resolution, I am requesting your assistance in ensuring that the credit reporting agencies adhere to their legal obligations and that the inaccurate, outdated, or inconsistent information be removed from my 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 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally report a delay in the investigation of inaccuracies on my credit report, which I initiated on XX/XX/year>. As of today, the 30-day investigation period required by the Fair Credit Reporting Act ( FCRA ) has passed, and the investigation has not been completed within the legally mandated timeframe. 

I initially requested an investigation into the following issues on my credit report : Inaccurate information regarding and Outdated or inconsistent reporting that does not align with the timelines specified under the Fair Credit Reporting Act ( FCRA ). 

Creditor agreed to remove from report with payoff, balance is {$0.00}. In addition, the item is reporting with inconsistencies amongst bureaus. 
XXXX XXXX Equifax : XXXX Experian : XXXX Transunion : XXXX The following information is outdated... 
XXXX XXXX XXXX Equifax : XXXX Experian : XXXX Transunion : XXXX The following information is outdated... 
XXXX XXXX XXXX Equifax : Experian : XXXX Transunion XXXX XXXX Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to complete investigations of disputed information within 30 days of receiving a dispute. As this deadline has passed without resolution, I am requesting your assistance in ensuring that the credit reporting agencies adhere to their legal obligations and that the inaccurate, outdated, or inconsistent information be removed from my 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 2025-03-08 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This company is reporting the wrong dates on the account, The original debt was for another company who sold it to Midland Credit Management. They are reporting the Date as XX/XX/XXXX. They are reporting also that they are the original creditor. The original creditor was XXXX and these accounts and was charged off in XXXX. Midland Credit Management is reporting these, 1 for {$3600.00} and 1 for {$3500.00}. They are not the original creditor.

Company response to consumer: Closed with explanation