vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: MN

Complaint narrative:
I am victim of identity theft. Montgomery Ward opened an account in my name using my personal information without my knowledge, permission or authorization. I never applied for the Montgomery Ward credit card account. Someone else applied for the Montgomery  credit card account using my stolen name, personal information and identity. The Montgomery Ward account is fraudulent, unauthorized and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I reviewed my XXXX Consumer Report. Reference Number # : XXXX. The following information currently listed and showing on my XXXX Consumer Report is all fraudulent information : Inquiries seen by others from XX/XX/XXXX to XX/XX/XXXX, Inquiries not seen by others from XX/XX/XXXX to XX/XX/XXXX, Personal Information : XXXX XXXX, XX/XX/XXXX, Date of Births : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Drivers License Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Home Addresses : All of the addresses currently listed, except my current address, Cell Phone Numbers : All the cell phone numbers currently listed, except my current cell phone number, Home Phone Numbers : All the home phone numbers currently listed, except my current cell phone number, Work Phone Numbers : All the work phone numbers currently listed, Email Addresses : All the email addresses currently listed, except my current email address, Employer Names : All the employer names currently listed, Employer Addresses : All the employer addresses currently listed, Occupations : All the occupations currently listed, Banking Information : All the banking information currently listed. All of the information on my XXXX Consumer Report is fraudulent, unauthorized and do not belong to me. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 XXXX 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  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 XXXX 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
Consumer complaint received 2025-04-14 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: MD

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX due to COVID-19. I was billed for a COVID-19 test that should have been free of charge due to the pandemic or covered by health insurance. Experian denied to follow up with the investigation. Which is illegal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which required credit reporting agencies to conduct a reasonable investigation of disputed items. I recently was notified that CFPB has filed a lawsuit against the company Experian. 
It has been stated that the company is guilty of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor corrected any information. I'm requesting this derogatory remark be removed or corrected immediately as it is negatively affecting my current credit score. Which is hindering my financial well being. Experian has violated my rights as a consumer, as well as federal laws.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am not liable for this debt. I do not have a contract with this collection agency. They did not provide me with the original contract as requested.

Account not mine I have no knowledge of this account.

Midland credit management inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ive been trying to open a chase business account with Chase for the past 2 years and everytime I proceed with the application I either get approved then Chases back office closes my account or I get denied before even getting access. Please help me Ive never did anything to chase to stop me from banking with them or any previous banks I dont know what to do please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NY

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 explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-14 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$0.00} These accounts has resulted in several 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-04-14 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: 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NY

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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to formally request the reopening of my dispute case, referenced by Claim ID : XXXX, which I initially submitted on XX/XX/XXXX. I responded to Chase 's request for more information in a timely manner. When I called Chase regarding this dispute and asked why the proof of return documents I sent weeks prior were not used to support my claim during the investigation, I was promised that the case would be reopened. However, after following up several days later, I discovered that this case remains closed. 
I would like to challenge the merchant 's response regarding this matter for the following reasons. 
On XX/XX/XXXX, I returned the merchandise associated with this claim via XXXX ( Tracking Number : XXXX ) to the merchant at the following address : Merchant : XXXX XXXX Return Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Transaction Post Date : XX/XX/XXXX Transaction Amount : {$1500.00} The total amount of the transaction was {$1500.00}, charged to my account ending in XXXX. 
According to the merchant 's return policy, refunds are granted for returns made within 30 days of delivery. Since I returned the merchandise within this timeframe, I expected a refund to be processed. 
I contacted the merchant on XX/XX/XXXX, to inquire about the status of my refund, but unfortunately, no resolution was achieved. Despite my adherence to their return policy, the merchant has failed to issue the refund. 
I have attached the proof of return and confirmation of delivery tracking number to this letter for your review. I kindly request a permanent credit of {$1500.00} be issued to my account. 
Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: OR

Complaint narrative:
Upon numerous attempts to verify my account, I encountered difficulties during the initial three calls. The first two representatives were unable to assist me, while the third successfully verified my account. However, as soon as I disconnected the call, my access to the Equifax account was temporarily suspended, indicating that the request could not be processed at that time. I was advised to contact Equifax again for further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This investigation has been passed 30 days. I ask that this account please be removed due to it being a fraud account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AR

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX 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 2025-04-14 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: AR

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/XXXX a close friend of mine sent me {$35.00} dollars right as logged in to my Venmo account witch was verified they froze my account and suspended my debt card with them making it so I had no access to any of my funds this company is just scandalous and this is getting out of control just like XXXX Venmo then said they emailed me why they did that and I never got the email I also checked my spam and nothing I called to just put on hold and ignored the staff are completely ignorant and it is wrong to hold someones funds without giving them a option to withdraw to there bank account I can careless about using Venmo but this company is XXXX  people XXXX and they need to be stopped. This is very unprofessional and they should be held accountable as I am not the only person this has happened too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NJ

Complaint narrative:
This is in regards to a previous complaint as the main complaint was not addressed. I have been calling multiple times and I have been told that just wait a few business days for my bank to populate. It populated and then disappeared. A letter I received stated " Please note, you will need to manually pay your monthly installments until you receive correspondence of your Auto Pay request being processed '' ; this is not possible as my bank account is missing in the online portal. The original complaint did not address that main issue. It is currently over 2-3 weeks and I am still having this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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

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 2025-04-14 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

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I signed up for a credit freeze with Experian several years ago, when their freeze system was based on receiving a " Freeze PIN '' code, which I saved at the time. They have since done away with the Freeze PIN system and moved to a new system that requires signing up for an account. I have tried every path through their website to create, recover or log in to an account, and all of them eventually arrive at an " Oops, we're sorry! '' error page with an image of spinning gears. I have contacted their automated voice system numerous times at ( XXXX ) XXXX and tried every path through the prompts I can think of. At one point I got the system to request my old Freeze PIN, which I provided, but the system said the PIN was invalid and hung up on me. Every path through the system eventually ends with a termination from their end. 

I have been attempting to resolve this problem for about 10 days online, the " Oops, we're sorry! '' error has been persistent for at least that long.

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