vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
This hard inquiry doesn't belong to me, hasn't been authorized by me and has to be removed. Also, this as well. Thanks. 
XXXXXXXX XXXX XXXXXXXX - XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by XXXX, XXXX, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company reports late payments and my bill is current and up to date. This is negatively affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian

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 2025-05-06 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: NY

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian

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 2025-05-06 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX : {$7300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$1600.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-06 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: TN

Complaint narrative:
I am a victim of identity theft and did not authorize or make the disputed charges. I respectfully request that these charges be removed from my account. 

Pursuant to 18 U.S.C. 8, I owe no debt related to these transactions. Additionally, this company is violating my consumer rights to privacy under 15 U.S.C. 1681b ( 2 ). Furthermore, the company does not have my permission to report any information using my personal details, as outlined in 15 U.S.C. 1681 ( 4 ).

I trust you will take immediate action to resolve this matter in compliance with the law. Thank you for your attention.

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I contacted Dillards Citibank collections to request a one-time settlement payment for my {$1700.00} balance. XXXX XXXX ( ID XXXX ) initially said only monthly payments were allowed. After requesting a supervisor and waiting on hold for 30 minutes, she returned saying a one-time payment could be accepted. I offered and paid {$650.00}, confirming multiple times that this would settle the account and paid in full. 

I requested a settlement letter before and after payment and was told one would be sent. After payment was made, she said I would have to call back in 15 days to request the letter and check my balance. I asked why there would be a balance if it was settled and paid in full and closed, and she had no clear answer. I recorded the call in a video due to concerns of misleading practices. 

My payment confirmation number is : 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 2025-05-06 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: WI

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me XXXX XXXX XXXX XXXX, {$250.00}, opened : XXXX XXXX, XXXX XXXX and XXXX, {$210.00}, XXXX XXXX Through the country XXXX, {$500.00}, XX/XX/XXXX XXXX  XXXX, {$22.00}, XX/XX/XXXX XXXX XXXX, {$530.00}, XXXX XXXX, XXXX XXXX XXXX XXXX, {$84.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me XXXX XXXX XXXX XXXX, {$250.00}, opened : XXXX XXXX, XXXX XXXX and XXXX, {$210.00}, XXXX XXXX Through the country XXXX, {$500.00}, XX/XX/XXXX XXXX  XXXX, {$22.00}, XX/XX/XXXX XXXX XXXX, {$530.00}, XXXX XXXX, XXXX XXXX XXXX XXXX, {$84.00}, XX/XX/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 2025-05-06 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:
Someone Stole My Identity, My Social Security Number & Used My Name To Open Up An Account That I Did Not Authorize, I Did Not Authorize This Loan From " XXXX XXXX XXXX '' For {$3.00} This Account Is Not Mine, Please Delete This From My Credit Report ASAP. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBULL PAY HOLDINGS (US) INC
State: GA

Complaint narrative:
On XX/XX/year>, I sent {$700.00} to my WeBull Pay ( WeBull ) account to make purchases of coins. In the interim, on XX/XX/XXXXXXXX XXXX WeBull offered {$500.00} owing to the funds being sent. I used the {$500.00} as the sum of {$700.00} was received into my WeBull account. I had made an initial mistake on activating XXXX ACH Transfers. I attempted to cancel the second one without avail. Nonetheless, I knew that the {$700.00} had been transferred. On XX/XX/year>, I received statements about sales of my coins on WeBull that I did not carry out. I reported these are illegal transactions. I requested WeBull to stop these sales immediately and return my funds to my account. I contacted help on the app, but they are ignoring my query. Simply answering other questions, but not the specific messages concerning the unauthorised activity. I found out that WeBull stated that XXXX amounts of {$700.00} were generated and XXXX failed. They stated that {$700.00} had been returned and the other {$700.00} didn't go through for insufficient funds and without notice, consent or authorisation without my knowledge they liquidated all my XXXX assets of XXXX and XXXX XXXX assets of XXXX. WeBull state they returned {$700.00}. This is not true. My bankers, XXXX confirm that the sum of {$700.00} was never returned to my account and my account statement bears witness this too. WeBull never returned any of my funds retaining both the {$700.00} whilst liquidating {$500.00} of my assets whilst they retained the {$700.00}. They refuse to tell me where the assets are or were held. I requested the transactional documentation including the bank details of the source including the routing and XXXX and transactional documentation, but WeBull informed me that they could not release this information to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. 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 2025-05-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
Iv ' e recently received a copy of my credit report and I noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I tried to open a personal checking account with chase bank and due to 2 fraudulent accounts being previously opened I was unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I was contacted by American Express regarding an alleged debt. However, they failed to send me a written notice of the debt within five days of that initial communication, as required under FDCPA 15 USC 1692g ( a ) and Regulation F ( 12 CFR 1006.34 ). I never received the required notice explaining the amount, creditor name, and my rights to dispute. They are now attempting to collect and/or report this debt without first fulfilling the legal requirement to provide proper written notice. I am requesting that the CFPB enforce compliance and require them to either validate the debt properly or cease all collection activity and credit reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I submitted a series of formal credit disputes to XXXX  via Certified Mail with Return Receipt. My disputes included multiple issueslate payments, charge-offs, collections, personal information inaccuracies, and hard inquirieseach backed by citations of relevant FCRA statutes, including 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ), 1681s-2 ( b ), and 1681i ( a ) ( 7 ).

Despite including all legally required documentation ( proof of ID, address, a notarized affidavit, and tracking numbers for compliance ), XXXX  issued a dispute resolution dated XX/XX/year>, stating most accounts were verified as accurate without any documentation or a Method of Verification ( MOV ). They did not provide the source, furnisher information, or how they verified the data.

Additionally, I requested a Method of Verification under FCRA 1681i ( a ) ( 7 ), but this was ignored. This suggests the investigation was not conducted in good faith and may have been routed through e-OSCAR without manual
reviewcontrary to Cushman v. TransUnion, which requires a reasonable investigation. 

As of this submission, I have still not received any MOV response, nor were my original requests acknowledged in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
Hard credit inquiries mad without my permission that affected my credit score. These were unauthorized credit runs ran on XX/XX/XXXX and i would like them off my account please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
Hard credit inquiries mad without my permission that affected my credit score. These were unauthorized credit runs ran on XX/XX/XXXX and i would like them off my account please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information listed on my credit report. The item in question is being reported by Caine & Weiner, and I am requesting its immediate investigation and removal under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The entry is inaccurate and unverifiable. I request that you provide full documentation validating the debt, including the original contract bearing my signature and a full payment history. If such documentation can not be provided within the 30-day timeframe, the account must be removed per FCRA regulations .

In addition, I reserve my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and request that Caine & Weiner cease reporting and collection efforts unless they can provide verified, complete evidence that this debt is valid and collectible.

Disputed Account Info : Creditor : Caine and Weiner Reason for Dispute : Unverified/Incomplete/Incorrect Reporting Please conduct an investigation and delete this item from my credit report if it can not be substantiated. I expect a response within 30 days as required by the FCRA.

Company response to consumer: Closed with explanation