vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc.
State: NY

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
A Wells Fargo credit card account was opened in my name without my knowledge or authorization. I had never applied for a credit card with Wells Fargo, and I did not receive any communication or documentation related to this account prior to seeing it reported. 

This account is fraudulent. I did not open it, nor did I authorize anyone else to do so. As soon as I discovered it, I contacted Wells Fargo to report the issue and requested the account be closed and removed from my credit history. I was told my case would be reviewed, but I have not received confirmation that the account has been resolved or removed from my credit file. 

In addition to contacting Wells Fargo, I also : Filed a dispute with all XXXX major credit reporting agencies ( XXXX XXXX XXXX XXXX ) Filed an identity theft report with the Federal Trade Commission ( FTC ) on [ insert date ] Requested that a fraud alert be placed on my credit file Despite taking these steps, the account still appears on my credit report and is impacting my XXXX XXXX. 

Actions taken : Contacted Wells Fargo to report unauthorized account Disputed the account with credit bureaus Filed FTC Identity Theft Report Placed a fraud alert with credit bureaus Resolution requested : I am requesting that this unauthorized account be permanently closed and removed from all of my credit reports. I also want written confirmation from Wells Fargo that I am not responsible for any charges associated with this fraudulent account. Additionally, I ask that any inquiries related to this account be removed from 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 non-monetary relief
Consumer complaint received 2025-05-16 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: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-16 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: CA

Complaint narrative:
b'XXXX XXXX XXXX via XXXX XXXX XXXX-XXXX. \nXXXX XXXX \nXXXX XXXX XXXX  via XXXX XXXX XXXXXXXX.\nXXXX XXXX XXXX via XXXXXXXX

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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I submitted a balance transfer check issued by XXXX to my credit card company on XX/XX/year>. The check was cashed by the credit card company, and I have provided copies of both the front and back of the check, showing it was endorsed and deposited by them. Despite this, my credit card account has not been credited, and the balance remains unchanged. 

Over the past 6 months, I have contacted the credit card issuer multiple times, provided documentation three separate times, and have been told an investigation would be opened each time. Each investigation ends in a form letter saying they are unable to process my request, without any substantive explanation or resolution. 

This is causing ongoing financial and credit stress, as I am being charged interest on a balance that should have been paid off, and the funds have been withdrawn from my XXXX account. 

I am requesting the CFPB to help enforce the application of my valid payment to my credit card account, reverse any improperly applied fees or interest, and stop this ongoing runaround.

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 2025-05-16 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: LA

Complaint narrative:
XXXX XXXX, XXXX. This CFPB complaint is being submitted in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Equifax block specific fraudulent and inaccurate information from my consumer credit report within four ( 4 ) business days of receiving this notice. 

The information in question is the result of identity theft and includes the following unauthorized accounts : XXXX XXXX credit card opened on XX/XX/XXXX, account number XXXX. XXXX XXXX loan opened on XX/XX/XXXX, account number XXXX. XXXX XXXX loan opened on XX/XX/XXXX, account number XXXX. XXXX XXXX loan opened on XX/XX/XXXX, account number XXXX. XXXX XXXX loan opened on XX/XX/XXXX, account number XXXX. These fraudulent accounts have caused multiple unauthorized hard inquiries and collections to appear on my consumer XXXX credit report. I do not recognize these accounts, inquiries, or collections as being opened, authorized, or initiated by me.All the information listed above is the result of identity theft. I have attached a copy of my FTC Identity Theft Report ( XXXX ), which substantiates my claim and supports my request under the Fair Credit Reporting Act.In accordance with FCRA 605B, I request that you : Block all of the above-referenced fraudulent accounts and collections from my consumer credit file. Cease all further reporting and dissemination of these items ; and.Confirm in writing that these changes have been made.I expect this request to be completed promptly, within the timeframe required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had got in a settlement to pay off my debt to synchrony bank in XXXX I believe. The total agreed amount was to be payments of {$150.00} dollars from XXXX to XXXX once a month so 5 times. I fulfilled my obligation to pay it off. Here are the dates. 
XX/XX/XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$150.00} & {$150.00} XX/XX/XXXX {$150.00} XXXX XXXX {$150.00} XXXX XXXX payments of about XXXX dollars They continued to report chargeoffs on my credit report even after making my first payment in XXXX. I finished paying XXXX but from XX/XX/XXXX to XX/XX/XXXX I have received charge off notices on my credit and late payments from. XX/XX/XXXX to XX/XX/XXXX. This is significantly damaging my credit and I want it reported appropriately or completely removed from my 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 2025-05-16 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: NY

Complaint narrative:
I am writing to formally request a review and correction of inaccuracies on my credit report. I have identified the following items that I believe to be incorrect and am seeking assistance to correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
I am writing to formally request a review and correction of inaccuracies on my credit report. I have identified the following items that I believe to be incorrect and am seeking assistance to correct them.

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 2025-05-16 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$5700.00}, online information ser Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$240.00}. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$5700.00}, online information ser Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$240.00}. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
i have inquiries on my report that i did not authorize.

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 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Stock in xrp went to check on my stock my account and money are gone. I had XXXX plus shared .. the XXXX site wants me to start a new account. The site will not let me. XXXX will not return my calls or emails. Found out this site has problems with their company. Need help xrp is soaring and my account is gone. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

NEGATIVE ACCOUNTS PLEASE DELETE : XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$640.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$1700.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX {$2700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX   {$630.00} XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MI

Complaint narrative:
The credit bureaus have not met their legal duty under the Fair Credit Reporting Act ( FCRA ) to properly investigate disputed information on my credit report, resulting in unresolved inaccurate or unverifiable accounts. The Consumer Financial Protection Bureau ( CFPB ) has initiated several lawsuits against the credit bureaus for breaching previous agreements with the CFPB and failing to sufficiently inform consumers about dispute outcomes. These shortcomings mirror my own experiences with the credit bureaus. There are inaccuracies on my consumer report that I want investigated and removed within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
The credit bureaus have not met their legal duty under the Fair Credit Reporting Act ( FCRA ) to properly investigate disputed information on my credit report, resulting in unresolved inaccurate or unverifiable accounts. The Consumer Financial Protection Bureau ( CFPB ) has initiated several lawsuits against the credit bureaus for breaching previous agreements with the CFPB and failing to sufficiently inform consumers about dispute outcomes. These shortcomings mirror my own experiences with the credit bureaus. There are inaccuracies on my consumer report that I want investigated and removed within 4 days.

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 2025-05-16 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: CO

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-16 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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