vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-04-04 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: FL

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$970.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} These accounts has resulted in several 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: IL

Complaint narrative:
I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. 

Here 's the wrong info : XXXX - XXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

KIKOFF - XXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error.

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEALTHFRONT CORPORATION
State: NY

Complaint narrative:
I opened a checking account on XX/XX/XXXX with a deposit. I then made two more deposits for a total of {$190.00} dollars to this checking account. I then decided to move that money out and set up a withdrawal to get the money out and into another bank account. I went to login and my password wasnt working anymore so I tried to use the I forgot password feature to regain access to my account and I wasnt receiving a email to reset my password. So I contacted their support team via email and they asked for screenshots of my checking account linked to this other account. I sent a screenshot and a bank statement from the linked account Without any communication whatsoever, as to why, they informed me that my account was in a security lockdown, and that they would be closing my account and that my funds would be returned to the bank I used to fund the account. Before this, I had scheduled a withdrawal that should have finished processing XX/XX/XXXX. I still have not received my funds and the account is still locked Since then, I have reached out via email twice and I have received no response. I also called the company and spoke to a person there and all they said was they could no longer continue serving me as a customer and when I inquired about when I would receive my funds, they didnt divulge any information and kept repeating the same vague phrase. They wouldnt tell me if I would be getting my money back with a check in the mail or an ACH transfer. They also didnt inform me the reason why they locked and closed my account. 

I called the bank they partner with to provide financial services and they told me to call the company that doesnt assist me on the phone again and that they couldnt do anything. This is a company that doesnt have any physical locations and is a totally smart phone based app so theres no way for me to physically walk to a location to sort out the issue and its disturbing to me that its been so difficult to get my money back after this situation has transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX I received a email indicating this company XXXX bought a debt that I supposed owed to comenity bank account for the sum of XXXX they also called me to told about it. I feel this amount it wasnt right and some dates they said and showed on email too for that reason, I requested a validation and verification debt by phone and written but they never responded to me they called me several times using different numbers and I requested all the time validation and verification debt they always said yes we going to send it to you but they didnt it .I requested they did not call me anymore if they dont provide to me my requested but they began send to me letters saying the same thing over and over and not validation or verification debt this happened between XX/XX/XXXX XXXX XX/XX/XXXX later on XX/XX/XXXX I received another email like the first one that I received from them saying they bought a debt that I owed I contacted them and I requested the same thing validation and verification of the debt they didnt provide it to me and now XX/XX/XXXX, I received by mail a letter from a third party XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Im going to respond shortly them requesting validation and verification debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-04 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
I have fraudulent information on my account. And it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
I was repeatedly and frequently called by the loan company employee and since I am not able to answer calls when I am working, the company 's behavior became more aggressive. At first, the company told me that if I would increase the amount of the loan, they could extend the due date and the loan company would not have to report me to credit reporting entity. Taking out more money out on my loan could save my credit score. Then, the time of day when I could answer phone calls, random numbers would repeatedly call and hang up as soon as I answered. Then loan company would immediately call me because they were certain that I could answer. These tactics were intimidating and alarming so I never answered the phone. I came home to find hand delivered bills taped to my front door. This meant that the person calling was coming to my home looking for me to physically hand me the bill. The loan company would call repeatedly as soon as the payment was a day late. 
Then there were the phone calls to my family members. My daughter, son, brother, sister and estranged ex-husband were all contacted. The caller did not say their name but they did say that they were representing a loan company and needed the help from my family members to find me. When my son who has XXXX, recieved the call from the loan company, he had a XXXX XXXX due to fearing for my safety. This took place over a year ago and was the first occasion they contacted my son and my family members. I informed the Loan company about my son 's condition and asked that they not contact my son or my family members about anything. They told me at the time that my instructions were in my information record any would honor my request of no contact with my family. On XX/XX/ 2025, my XXXX XXXX recieved another call from the loan company violating my request. They also contacted my daughter who lives out of state. They contacted my brother who was told that I put him down as the point of contact. I would never put him down because he does not need to know what my financial affairs are. My son, daughter, sister, brother and mother were all contacted or attempted to be contacted. The caller ID of the loan company appeared on their phones. Family members that answered were informed that the caller was representatives of a loan company and that needed to contact me immediately. My family members contacted me and were XXXX  I have never provided the loan company the names of my family or my ex husband. I was embarassed and reduced to tears by this loan company 's tactics. It was and still is a humiliating experience. I would like an explanation on how this information was obtained because I did not provide it.

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 2025-04-04 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: GA

Complaint narrative:
When I checked my credit report today, I was alarmed to see an unauthorized inquiry that I did not recognize. I have no clue why this happened, and despite refreshing my browser to rule out a technical issue, the inquiry did not go away. I am extremely frustrated and demand a thorough review of my submitted documents so this problem is resolved once and for all.

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 2025-04-04 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:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX & XXXX XXXX  - Balance : {$94.00} - Account # : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK, XXXX XXXX XXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-04-04 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX & XXXX XXXX  - Balance : {$94.00} - Account # : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK, XXXX XXXX XXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
American Express changed me a late fee when it was there web site made the mistake I never been late Nor missed a payment and they wouldnt wave late fee

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

Complaint narrative:
I filed a dispute with TransUnion regarding a identity theft issue from XXXXXXXX XXXX XXXX. This issue is related to a debit card that was opened in my name while I was in prison. At some point late payments were incurred on this account. The account was closed in XXXX. I was not released from prison until XX/XX/XXXX. 
After disputing this issue the account was verified and updated as if the late payments happened in XX/XX/XXXX and XX/XX/XXXX. Which caused my credit score to plummet. 
I notified TransUnion in writing and filed a dispute laying out the facts. 

After a sham investigation the company reported the info as accurate. 
This is impossible and can be disproven by a cursory examination of the files. Since the account was closed in XXXX there is no way for late payments to happen in XXXX or XXXX. 

Also I mailed TransUnion proof that the card was opened without my knowledge or consent. XXXX already removed this comical error from my report because they finally did a real investigation. TransUnion should follow suit and conduct a real investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation