vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I would like to bring to your attention the inaccurate / incorrect/ incomplete. Accounts being furnished on my credit reporting. The credit reporting agencies have not conducted a thorough investigation into these reporting. And at this moment I would ask if they be removed. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/year> I Used XXXX 's crypto wallet to send crypto. During, the facial recognition failed twice, before allowing me to proceed on the third try. Later that day my XXXX Account was restricted. I can no longer receive or send XXXX. I have funds that will be received in that wallet that I will not be able to access. They will not tell me what I have done wrong or what this issue was. If there is a broken user agreement, they should be able to point to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint to dispute a series of unauthorized hard credit inquiries appearing on my credit report from companies with whom I have no open, closed, or denied accounts. The inquiries are harming my credit score and were not initiated by me or with my consent. 
Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), a creditor must have a permissible purpose to access a consumer 's credit file. I never authorized these creditors to run a hard inquiry on my report, and no legitimate business relationship exists. 
Because no credit was extended, no application was completed, and no account was opened, these inquiries were either made in error or without proper authorization. 
I have contacted the credit reporting agencies and the furnishers, but these inquiries have not been removed. I am requesting the CFPBs assistance in enforcing my rights under FCRA 611 ( dispute process ) and 604 ( unauthorized access ) to ensure the removal of these inquiries. 
These unapproved inquiries are unjustly lowering my credit score and harming my ability to access fair credit. They should be immediately removed from all consumer reporting agency records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing this complaint to dispute a series of unauthorized hard credit inquiries appearing on my credit report from companies with whom I have no open, closed, or denied accounts. The inquiries are harming my XXXX XXXX and were not initiated by me or with my consent. 
Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), a creditor must have a permissible purpose to access a consumer 's credit file. I never authorized these creditors to run a hard inquiry on my report, and no legitimate business relationship exists. 
Because no credit was extended, no application was completed, and no account was opened, these inquiries were either made in error or without proper authorization. 
I have contacted the credit reporting agencies and the furnishers, but these inquiries have not been removed. I am requesting the CFPBs assistance in enforcing my rights under FCRA 611 ( dispute process ) and 604 ( unauthorized access ) to ensure the removal of these inquiries.

These unapproved inquiries are unjustly lowering my credit score and harming my ability to access fair credit. They should be immediately removed from all consumer reporting agency records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  XXXX XXXX reps told me over multiple phones calls that my XXXX was being reported to the credit bureaus, I called TransUnion and was on line for XXXX minutes until a supervisor was able to see that my ITIN was missing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I initially filed a chargeback request with Chase Bank regarding a transaction I made with a fraudulent company that falsely claimed to have the legal authority to obtain visas. I had originally paid this company to secure a visa for travel using a XXXX passport in XXXX. However, upon my arrival at the airport, I was confronted with the alarming reality that the company was completely fake and invalid and they are not able to obtain a visa. XXXX XXXX XXXX at the time was not issuing any visas to XXXX passport which the company was aware but still extorted fees. 

Not only did I find myself stranded without a legitimate visa, but I also became the target of repeated extortion attempts by this fraudulent entity. The company continued to demand additional payments under the guise of processing fees, insisting that further funds were required to finalize the visa. As I delved deeper into the matter through additional research, it became evident that the visa they had promised could never have been legally issued in the first place, making their entire operation a scam from the outset. 

While this company presents itself as a legitimate business based in XXXX, further investigation has revealed that it is, in reality, an entity based in XXXX that falsely operates under the pretense of being a XXXX corporation. 

Given the fraudulent nature of this transaction, the misrepresentation by the company, and the documented evidence of their attempts to extract additional funds from me, I am requesting a full chargeback for the all of the amount I initially paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
This company reached out to me telling me that I have an alleged debt owed to them, however I have never dealt with this company nor do I have a wet ink signed contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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

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 Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX CARD on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( private case number ) as proof from the XXXX 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX XXXX breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Transunion credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 

XXXX. 
XXXX XXXX CARD SER Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX Account 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 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, I CANCELLED MY SERVICE WITH XXXX XXXX AND SWITCHED TO ANOTHER XXXX. I EXPECTED MY FINAL BILL FROM XXXX AND WAS GOING TO PAY IT, NO PROBLEM. THE BILL WAS SUPPOSED TO BE PRORATED BUT THEY TRIED TO CHARGE ME FOR A FULL MONTH. I REFUSED TO PAY THAT. THEY SENT THE BILL TO COLLECTIONS. I TALKED TO THE COLLECTION AGENCY TELLING THEM I'M NOT PAYING A FULL MONTH OF SERVICE FOR USING PARTIAL SERVICE. I ALSO SENT THEM A DEBT VALIDATION LETTER DEMANDING THEM TO CEASE AND DESIST UNTIL I GOT AN ITEMIZED BILL. THEY NEVER REPLIED. THEY REPORTED THE NON PAYMENT TO THE CREDIT BUREAU ANYWAY AND MY CREDIT IS RUINED. I'M NOT DENYING I OWE THEM MONEY AND HAVE NO PROBLEM PAYING FOR THE SERVICE I USED. I'M JUST REFUSING TO PAY FOR A FULL MONTH WHICH I DID NOT USE. I SENT THE DEBT VALIDATION LETTER ON XXXX XXXX, XXXX. I WOULD ATTACH IT BUT SOMETHING HAPPENED DURING THE DOWNLOAD TO MY COMPUTER AND NOW IT WON'T OPEN. THEY TRIED TO CHARGE ME FOR DAYS AND SERVICE I WAS NOT WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Collections, Inc.
State: SC

Complaint narrative:
This account was originally with SMART SALES and LEASE in XXXX, the cost of the items doubled, not the amount agreed to in store, I told them to come pickup the items that I was not going to be paying more than agreed. They never picked up the items & called me a year later to which I told them I would not be paying anything more than what I originally agreed to, I was told it didnt matter if I only paid what the original price was, I would still owe double. They let me know at that point I should have told them to come pickup the items, which I had done the last year prior but they never came. The representative said the time had passed for them to be able to take possession of the items. The last contact I had with them was the spring of XXXX. 
I got married and my name changed in XX/XX/XXXX. I had a change of residence in XXXX. The collection was removed from my account on XX/XX/XXXX - XX/XX/XXXX & NO LONGER on my credit report. A Few months later, I had gotten notification that EXPRESS COLLECTIONS was added to my credit report under collections with an account balance tripled from the original account. I have not had any contact with them, except to request a debt validation letter, which they grossly failed to provide to me. The word document drafted by XXXX Collections with random dollar amounts none which are listed in a contract, a XXXX letter with inaccurate and missing personal information, neither showing what alleged items were purchased or a description of them is NOT a contract or agreement. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Not only is it violating my rights because I did not consent to EXPRESS COLLECTIONS obtaining my information but I have not had contact with the original creditor for OVER XXXX YEARS nor do they have my correct information nor do they have the right to collect because it was removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally ask for their removal within XXXX  days. Enclosed are supporting documents for your review. Additionally, inconsistent account details are being reported across different bureaus.

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