vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: PA

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 2025-06-22 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXdate filed XX/XX/year> XXXX  XXXX bankruptcy has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Second Dispute & Reinvestigation Demand XXXX  XXXX / XXXX Account Report # : XXXX Account # : XXXX Dear Experian, I am submitting this follow-up dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 5 ), as the results of your previous investigation were insufficient and failed to address the inaccuracies in the referenced tradeline.

Despite your response that the account was verified, you failed to provide : - The method of verification - The name and contact information of the party who verified it - Any documentation used to confirm the accounts accuracy Per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding a written description of the reinvestigation method and identity of the verifying party. If this information can not be provided, I request permanent deletion of the account under 1681i ( a ) ( 5 ) ( A ).

The account in question has been disputed in court and lacks proper chain of title, validation, and supporting documentation from both XXXX and XXXX. Continuing to report unverifiable information violates FCRA 1681e ( b ) and 1681i.

Please conduct a complete reinvestigation or delete the account immediately. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/year> SSN - 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 2025-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Selene Holdings LLC
State: PA

Complaint narrative:
, I hope this message finds you well. I've reached out regarding my mortgage with the address XXXX XXXX XXXX XXXX, which I've owned for about XXXX years. I initially made my payments through XXXX XXXX, and I have included their recent XXXX payment history in this email. 

I have attached the executed mortgage documents confirming that my monthly payment is supposed to be {$1800.00}, with an interest rate of around XXXX XXXX. Recently, my mortgage was transferred to XXXX XXXX, and since then, I have been faced with a shocking interest rate increase to XXXX XXXX. 

I made a recent payment of {$31000.00} because I was informed this was necessary due to what they referred to as a " default interest '' for being XXXX days late on a transfer. After repeated conversations, they assured me that my interest rate would revert to the standard XXXX XXXX, and my payment would return to {$1800.00}. However, I'm still receiving statements indicating I owe {$7000.00}, with the interest rate remaining at XXXX XXXX. 

I am increasingly concerned and feel I've exhausted all options. I call weekly, but they only tell me to wait for a callback. The statements continue to indicate these inflated amounts, and I simply can not afford {$7000.00} monthly when my mortgage is only supposed to be {$1800.00}. 

i will be preparing a lawsuit as i have did everything i can do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: PA

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to formally notify the CFPB of a serious error committed by XXXX XXXX XXXX, XXXX. in connection with a summons to appear for pretrial/mediation a few months ago that I received regarding a debt allegedly owed to American Express . The summons identifies me for a debt incurred by an individual named XXXX XXXX, who formerly operated a business named XXXX XXXX XXXX and after his Business went inactive they proceeded to later handoff mr.sturos debt to anyone holding the name XXXX XXXX XXXX which was me " XXXX XXXX '' without them doing the proper research of knowing that they indeed had the wrong individual. Not only does these documents state that its XXXX debt but also has his home address in XXXX XXXX Florida and gives clear documentation on the American express simply cash Business credit card with him being the card member. Despite this clear distinction, there firm served me with legal papers intended for XXXX XXXX. This wrongful action has caused me unnecessary stress, Time spent defending myself against an unfounded claim and reputational harm solely due to a superficial similarity in business names. Had reasonable due diligence been conducted, there office would have discovered that I am not the responsible party and after reaching out to the small claims court that I knew nothing about until months later i was told that they may potentially try to wrongfully summons me again for this guys debt in the near future. I also reached out to American express bank and my name nor my business have ever been in there system so it further proves that im innocent of these accusations that have been brought against me. I trust the CFPB will review this matter seriously and ensure accountability is upheld to prevent other innocent consumers and businesses from facing similar harm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXX/XX/year> Harris & Harris , Ltd . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Cease and Desist Communication & Credit Reporting Dispute Account # XXXX To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the above-referenced alleged debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Additionally, I have recently reviewed my credit report and discovered that you are reporting this account. I dispute the accuracy and validity of this debt and, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request that you provide full validation of the debt, including but not limited to : The name of the original creditor, The full amount allegedly owed, and Copies of any documentation bearing my signature or proof of obligation. 

Until such documentation is provided and the debt is properly validated, you must cease all reporting of this account to any credit reporting agency. If the account is already being reported, it must be removed immediately until validation is complete. 

Continued reporting of an unvalidated debt or further contact with me will be treated as a violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Nevada Attorney Generals Office, and pursue all legal remedies available to me.

This letter serves as your formal notice. You are required to comply immediately. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring oaks capital LLC Account XXXX XXXX I am unaware of this dept and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature< if not please delete this account as soon as possible from my report or i will be taken legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
I haven't applied for any credit since XXXX and these companies pull my credit without my consent. I have been a victim of XXXX XXXX in the past. 
XXXX m XX/XX/XXXX Factual data XX/XX/XXXX XXXX m XX/XX/XXXX XXXX XX/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 2025-06-22 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts. They are hurting 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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed unauthorized credit inquiries dragging my score down online and via phone and they will not even acknowledge the issue or the error and just respond that they are a factual part of a credit report and will remain for XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sokaogon Finance, Inc.
State: OK

Complaint narrative:
Ok I took out this loan because I was struggling to pay a bill. However the interest rate is illegal in Oklahoma. 780 % its impossible to keep up. I have already contacted them to let them know I am revoking ACH authority. 
This loan must be forgiven due to there illegal practices of preying on people. This tribal lending that says theyre not beholden to starts court has to be shutdown. 
Please respond to this complaint otherwise I may be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
Was scammed out of {$2000.00} by a rental company. Requested that Cashapp investigate and return funds from said rental company. Cashapp would not give the information of person who owned the account nor did they do anything to find a solution. They only continually told me there was nothing they could do and I couldnt speak with Anyone. On XX/XX/2023. I continuously requested a refund to no avail..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: MI

Complaint narrative:
These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-22 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: PA

Complaint narrative:
I was being charged from XXXX, XXXX various amounts for subscriptions and apps that I did not authorize. This has been going on monthly from XXXX and my banking institution CHIME was putting them through. I have put in on XXXX online a request for refunds as I did not authorize and they denied any refund. I called XXXX and they did put in the same requests for refund and they were denied. I was told they can not refund the funds to me as they don't make the decision that a " computer program '' makes a decision on that not a person. XXXX told me I had to dispute with my bank. I have been disputing this with CHIME on a weekly basis as they are not helping with any refund for the amount of {$1700.00} that is owed to me. CHIME was to stop all transactions from XXXX but some were coming through monthly sometimes I received a charge daily. Finally CHIME stopped all transactions from XXXX but they are still denying any refund to me. I have been disputing these with my bank CHIME for months now and I would like a resolution on this issue. I am not getting a reason why they are denying a refund, they send my same paperwork of proof of the transactions that I am sending them. They are not sending anything nor do I think they are investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
to MB & W XXXX first account history is not verification I have requested over XXXX times for information that I have not received from XXXX XXXX XXXX XXXX  I now filed with the Office Of The Comptroller of the Currency And the IRS for information that I have not been given PDF enclosed Federal Trade Commission for injunctive relief respond through the cfpb

Company response to consumer: Closed with explanation