vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
There are unauthorized inquiries on my credit report that I did not apply for or consent to. These fraudulent inquiries have negatively impacted my credit score and causing unnecessary concern for the security of my personal information, and despite contacting Experian, they still remain. I was assured by a representative that they would be removed, yet I continue to see them on my report, adding unnecessary stress to my life. I have previously notified Experian of these unknown, unauthorized and fraudulent inquiries and they have deleted some but not all of it, these unauthorized inquiries puts my personal information at risk.

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 2025-03-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 

Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit. Under Regulation F they continue to state this account is open.. which is negatively affecting my 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 explanation
Consumer complaint received 2025-03-08 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I bought a plane ticket on XXXX 's website for about {$630.00} when a pop-up window appeared telling me that my ticket would cost {$130.00} if I applied for their card, the XXXX Amex XXXX XXXX The website specifically mentions this, and also indicates that the final price would be {$130.00} once the application is approved. 

After purchasing the ticket and getting the credit approved, I discovered on XXXX that this is a false advertising campaign that XXXX and Amex have been running. In fact, the customer does not receive the {$500.00} immediately, but only after XXXX to XXXX  MONTHS. This means that one is still required to pay the full amount for the ticket and can only use this credit as a bonus for other future purchases. 

This is false advertising because although it contains details in fine print that no one pays attention to ( since there is only a very short period of time to complete the purchase of an airline ticket on XXXX 's website before the fare expires ), the banner on the website CLEARLY implies that the customer would deduct this credit from the ticket price.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-08 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: GA

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 2025-03-08 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: AL

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 2025-03-08 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 Account # XXXX date opened XX/XX/XXXX bal. {$120.00}, XXXX & XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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 non-monetary relief
Consumer complaint received 2025-03-08 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: NV

Complaint narrative:
The TransUnion credit agency is reporting the account as delinquent when the account is up to date with its payments and the only XXXX payments that were late were XXXX months during the pandemic and the creditor made it easy for me to delay XXXX months of payment and so it was and the account was correctly paid, Account Name XXXX XXXXXXXXXXXX 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 2025-03-08 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: LA

Complaint narrative:
Lost job got behind on unsecured loan the year XXXX  at XXXX XXXX XXXX XXXX was promised removal once paid off and negative item still exist on credit report as this is like my XXXX overall attempt to have this negative item remove all the other creditors has removed this negative item off I would like for Experian to please remove,

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 2025-03-08 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: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing an ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

The following are the accounts I would like removed from credit report : XXXXXXXX XXXX XXXX XXXX XXXX off of {$930.00} ) -XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX * Please note that XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX the same debt and are being reported multiple times on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have ask XXXX XXXX Equifax multiple times could they remove my spelling of my names multiple spellings I only have one spelling I have asked this multiple times and they took it off and put it back on I'm confused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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/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 Account # XXXX date opened XX/XX/XXXX bal. {$120.00}, XXXX & XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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 2025-03-08 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/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 Account # XXXX date opened XX/XX/XXXX bal. {$120.00}, XXXX & XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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 2025-03-08 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
My cash app has been open for almost XXXX year Recently I followed a dispute on my account upon the dispute on my account I was contacted by cash out support and asked to verify my identity. Once I got the notification because I knew my cash applic initiated and completed call with the cash up customer support agent and they said that I have nothing to worry about approximately XXXX week later I receive the restaurant cash or support me back up all the time have been closed and I will have to sell all stocks because I wasn't able to verify my identity. I was also contacted by class after for it if I can do that I had XXXX 's returns of service and no terms of service provided because anything they asked for it was done in my account had already been verified just as the agent made me aware it was verified. This is XXXXXXXX XXXX because now I lose a lot of interesting customers I use my cash up account for business transactions if I was making a new cash check basically it's a part of me or something like that will feel scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX XXXX was towed to XXXX XXXX XXXX XXXX XXXX in XXXX  after an accident. Despite having my car on their lot from that date, repairs did not begin until XX/XX/XXXX, when I paid {$1000.00} toward the initial {$2000.00} estimate. After this, they claimed additional repairs were needed, increasing the total cost. I ultimately paid {$4700.00}, which is documented in my receipt. Throughout the process, I faced excessive delays, poor communication, and shifting timelines. The dealership repeatedly extended the estimated completion date and refused to provide clear updates. Each time I questioned the increasing charges, they insisted the additional repairs were necessary, leaving me no choice but to approve them. As the delays continued, I became frustrated with their lack of professionalism. Instead of addressing the situation properly, they decided to hold off on repairs altogether, citing my attitude as the reason. This decision unnecessarily prolonged the return of my vehicle and added to my financial and logistical burdens. Then, suddenly, the same day they finally released the car to me, it was found to be unsafe to drive. Upon driving it, I immediately noticed severe issues : a howling noise at XXXX XXXX, steering that would stick while turning, and then the check engine light turned on, followed by a XXXX XXXX XXXX Now warning. This indicates that the vehicle was returned to me in an unsafe condition without proper testing. I had my vehicle towed back to the dealership the same day, as it was unsafe to drive. Given the delays, misrepresentation of services, refusal to complete repairs in a timely manner, and negligence in ensuring the car was roadworthy, I am requesting an investigation into the dealerships repair practices and potential consumer fraud. I also seek guidance on reimbursement for the excessive charges and the significant impact this situation has had on me. They are unresponsive as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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 am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX XXXX XXXX  I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. Proof of Ownership and Chain of Assignment/title : Documentation showing the full chain of custody of the debt, from the original creditor to your agency, including all sales or transfer agreements, current debt owner, proof of purchase of this debt in accordance with Regulation F ( 12 CFR 1006.30 ( b ) ). Because of securitization this debt was placed in a private trust pool of mortgage-backed securities. 

According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 

Additionally, this letter serves as a formal cease and desist against any further collection activity related to this account. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief