vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-30 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX  Account number XXXX ACCOUNT name XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account name XXXX XXXX XXXX  XXXX  XXXX number XXXX ACCOUNT name # XXXX XXXX XXXX  number XXXX Account name XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also starts a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1681c. ( a ) ( 5 ) section State : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received notification by email in XXXX, 2024 that a Capital One credit card was opened in my name. I did not open this credit card and immediately called the company. The closed the card promptly. I requested they remove the inquiry from my credit report. After several calls and 5 months later, they have not removed the inquiry. I have closed all credit cards with Capital One and will not use them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 am submitting this complaint due to several inaccurate collection and charge-off entries on my credit report through TransUnion. These items include collections from XXXX XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance of {$7200.00}, XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance of {$1100.00}, XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance of {$290.00}, and XXXX Treasury ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance of {$0.00}. I have reason to believe that these accounts are being reported inaccurately, and the data associated with them is flawed, likely due to a data breach or misreporting from the creditors involved. Some of these balances, especially the one marked as {$0.00}, do not reflect any valid or substantiated obligations that I am responsible for, and I have not received proper verification or validation from the creditors. There is a serious concern regarding whether these entries were made with appropriate verification, and I request full transparency on the process that allowed them to be reported as collections.

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld System Inc. continues to call me multiple times to collect a debt that is under investigation for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MD

Complaint narrative:
The XXXXXXXX XXXX charge-off ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) reported on my Experian credit report, with a balance of {$1400.00}, is incorrect. I have not received any communication or verification about this charge-off, and it appears to be an error. There is no justification for this debt being listed as charged off, nor has any proper validation or documentation been provided to me. This is especially concerning as I have not been notified of this debt or offered the opportunity to dispute it directly with XXXXXXXX XXXX before it was reported as charged off. This inaccurate entry likely stems from a data breach or misreporting.

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 2025-04-30 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: CA

Complaint narrative:
In XXXX i found out that i was a victim of identity theft. I disputed the accounts online and some of them came of and others where verified as mine. I had to file a fraud affidavit and a police report so they could help me get these accounts removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
In XXXX i found out that i was a victim of identity theft. I disputed the accounts online and some of them came of and others where verified as mine. I had to file a fraud affidavit and a police report so they could help me get these accounts removed.

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 2025-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I thought I was signing up for a payday loan. Turns out to be an installment loan with apr of 475.3 %. At this rate I will be paying {$3400.00} for a {$500.00} loan if I pay installments. I will be paying it off on XX/XX/year>. Which will be costing approximately {$700.00} for a {$500.00} loan. Are loan companies allowed to charge that much interest? Isnt there a cap? This seems like a scam on low income people.

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am filing a formal complaint against Huntington Bank for mishandling my dispute and failing to resolve an overpayment issue, resulting in unnecessary financial stress and harm to my account. 

Details : Dispute Issue : I overpaid the IRS by {$760.00} due to a mistake made when combining amounts owed to both the IRS and the XXXX XXXX XXXX. I provided all necessary documentation to Huntington Bank to resolve the issue. This included : A receipt from XXXX showing the overpayment. 
A letter from my accountant explaining the amounts owed to the IRS and the XXXX XXXX XXXX 

Despite sending this information, Huntington Bank has not only failed to provide a resolution, but they also denied the possibility of a temporary credit while the dispute is being reviewed, causing my account to go overdrawn. This has left me financially stressed and without immediate access to my funds. 

What Has Happened So Far : I contacted Huntington Bank 's customer service and submitted the required documentation during the call. 
I was assured that my dispute would be processed, but no progress has been made, and I have received no resolution or even a temporary fix. 
The representative I spoke with was dismissive and even criticized me for having an upset tone, despite me being extremely frustrated by the situation they caused. 
The bank has not provided me with any compensation for the inconvenience or negative impact on my finances. 

Impact : My account was overdrawn due to this error, and I am now forced to transfer money from my savings to cover the shortfall until this issue is resolved. 
I have been given no timeframe for when my issue will be fully resolved, and my bank balance is being impacted negatively without any action from Huntington Bank. 

I am requesting your urgent assistance in resolving this issue with Huntington Bank. 
They have not handled my dispute properly and have left me with financial inconvenience and stress due to their delays and poor service. 

Supporting Documentation : Receipt from XXXX XXXX from my accountant Thank you for your attention to this matter. 
I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want reported accounts to be removed. 

In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Acts ( FCRA ) section 605B it is illegal to report anything on my credit report without my permission. I am practicing my right to challenge questionable information that I have found on my credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and is able to verify my complete file information. Also keep in mnd that you are required to delete this no later than 4 days after you receive this dispute from me. 
INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX XXXX XXXX Acct # XXXX XXXX - Date - XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Date - XX/XX/XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXXXXXX Date - XX/XX/XXXX XXXX. XXXX XXXX XXXX  Acct # XXXX  XXXX Date - XX/XX/XXXX XXXX. XXXX XXXX XXXX- Acct # XXXXXXXX XXXX XXXX XXXX XXXX Date - XX/XX/XXXX XXXX. XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX Date - XX/XX/XXXX XXXX. XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - Acct # XXXX XXXX XXXX XXXX XXXX  Date - XX/XX/XXXX INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. XXXX XXXX - XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
An individual was allowed to open an electricity account using my social and name, however the email, service address and phone number do not belong to me. According to the bill the electricity company sent me the individual made electronic payments but im 100 % sure the name on the cards were not mine. Now I have a creditor trying to collect a debt that isn't mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I am writing to formally dispute the following unauthorized hard inquiries that appear on my Equifax credit report. These inquiries were made without my knowledge, consent, or permissible purpose, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. 
The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-30 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: NV

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-30 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: NV

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer SSN : XXXX Consumer Date of XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-04-30 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer SSN : XXXX Consumer Date of XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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