vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: HI

Complaint narrative:
On XXXX XX/XX/year>, I submitted a formal dispute to Equifax via Certified Mail, which included all necessary identification and address documentation as required under FCRA. USPS tracking confirms that Equifax received this correspondence. In that dispute, I challenged multiple charged-off accounts and unauthorized hard inquiries, and I explicitly requested verification documents under FCRA 609 ( a ) ( 1 ) and Method of Verification ( MoV ) under FCRA 611 ( a ) ( 7 ). This included demands for original signed agreements, itemized billing histories, evidence of ownership or assignment, and documentation validating the basis for any associated inquiries. 

Equifax failed to respond to this dispute within the required 30-day window, violating FCRA 611 ( a ) ( 1 ). I received no reinvestigation results, no verification materials, and no written communication within the lawful timeframe. Only after filing a CFPB complaint months later did Equifax respondand even then, they did not address the substance of my dispute. Instead, they requested the same identification and address documentation I had already submitted in the original XXXX dispute. This is a deliberate delay tactic intended to retroactively justify their failure to investigate, and an attempt to reset the dispute timeline to avoid liability. It also directly contradicts their own CFPB response where they claimed to have " reviewed the complaint and completed an investigation where applicable. '' Meanwhile, Equifax continues to report unverified charged-off accounts and multiple hard inquiries tied to those accounts without providing evidence of their accuracy, ownership, or authorization. I contacted Equifax by phone to further dispute these inquiries and again requested the furnishers ' identities, authorization basis, and documentation. No such records have been produced. These inquiries and derogatory accounts remain on my credit file without substantiated legal justification. 

I am requesting the immediate deletion of all unverifiable accounts and inquiries, and a full written explanation of any investigation procedures Equifax claims to have conducted. I further request that CFPB hold Equifax accountable for violating FCRA by failing to respond to a legally submitted dispute, attempting to delay accountability by requesting duplicate information, and continuing to report unverified derogatory items in violation of my consumer rights. The delay from XXXX XXXX to XXXX XX/XX/year> reflects clear noncompliance, and Equifaxs conduct constitutes both procedural failure and willful neglect of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
This letter serves as a formal follow-up to a previous dispute I filed regarding an inaccurate and illegitimate negative item being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX. 
XX/XX/XXXX XXXX UNAUTHORIZED CASH ADVANCE ON MY XXXX  CREDIT CARD ENDING IN XXXX FOR THE AMOUNT OF {$8100.00}. THIS CARD WAS LOCKED ON XX/XX/XXXX. I WAS PHYSICALLY INSIDE OF A WELLS FARGO BRANCH WHEN THE CASH ADVANCE WAS AUTHORIZED BY WELLS FARGO. WELLS FARGO EXECUTIVE CLAIM REFERS TO MY XXXX  CREDIT CARD AS TO A XXXX  DEBIT CARD. THIS IS UNEXCEPTEABLE XXXX XX/XX/XXXX XXXX CASH ADVANCE ON MY ACTIVE CASH CREDIT CARD FOR THE AMOUNT OF {$7200.00}. THIS CARD WAS LOCKED AS WELL ON XX/XX/XXXX. I WAS PHYSICALLY STANDING INSIDE OF A WELLS FARGO BRANCH WHEN THE CASH ADVANCE WAS AUTHORIZED BY WELLS FARGO. 

I HAVE PROVIDED THE CFPB AND WELLS FARGO PROOF THAT BOTH OF MY CREDIT CARDS WERE LOCKED. THIS DEFINITION OF FRAUD AND WELLS FARGO REFUSES TO CREDIT ME BACK MY MONEY FOR {$15000.00} I HAVE PROVIDED A POLICE REPORT AND PROOF THAT MY CARDS WERE LOCKED AND I WAS INSIDE A WELLS FARGO BRANCH WHEN WELLS FARGO AUTHORIZED UNAUTHORIZED TRANSACTIONS. 

YOUR HELP IN ENDING THIS MANNER WOULD BE GREATLY APPRECIATED. 
THEY REFUSE TO CREDIT ME BACK FOR THEIR FRAUD!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am submitting this complaint regarding a debt relief program failure that resulted in unfair credit reporting by American Express. I was enrolled with [ XXXX XXXX Company Name ] and had a valid, active settlement agreement for my American Express account. 
Due to a confirmed administrative error, my program was canceled without my consent. During that time, American Express reported the account as charged off. The company later reinstated the program, but refused or was unable to honor the original settlement offer. I was left with a derogatory credit mark and no ability to resolve the debt as originally agreed.This has caused significant financial and reputational harm, through no fault of my own. I believe this situation constitutes : Situation constitutes : A violation of the Credit Repair Organizations Act ( CROA, 15 U.S.C. 1679b ) by the debt relief company, for failing to provide services fairly and transparently.

A violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) by American Express , for furnishing misleading and harmful credit information that fails to reflect the true context of the charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: NV

Complaint narrative:
I am aware there is a positive balance of {$680.00} for the central billing account ending XXXX. 

I am aware there is a positive balance of XXXX for the central billing account ending XXXX. 

Please list all balances, positive, XXXX or negative for all central billing accounts associated to me. 

Please reissue checks to my address on file for me to withdraw or send me funds via XXXX at the email address 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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
I had authorized key bank to purchase a watch from a friend and the watch was fake and there i wanted my money back key bank has disapproved my dispute even I have rights and i should be able to cancel any transaction therefor they wouldn't refund my {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has implemented a rule that prohibits creditors from using medical debt to determine creditworthiness, including debts under {$500.00}. Currently there are XXXX accounts reported as medical bills from Midland Credit. The amounts are XXXX, XXXX, and XXXX. These should be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: KY

Complaint narrative:
XXXX  They keep aggressively calling after I have informed them that I am on the Do not call registry, but everyday they send text messages along with a call, The company is Sunrise which is a debt collection agency the numbr that they are calling from 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 explanation
Consumer complaint received 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-27 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: GA

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00}

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 2025-05-27 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: GA

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: Kikoff Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX * * Re : * * Final Notice : * * IMMEDIATE REMOVAL * * of Fraudulent Accounts or Full Disclosure of Verification Under * * 15 U.S.C. 1681c-2 * * To Whom It May Concern : * * I am formally demanding one of two actions under the Fair Credit Reporting Act ( FCRA ) : * * 1. * * Immediate deletion of the fraudulent accounts listed below * * under * * 15 U.S. Code 1681c-2 * *, or 2. * * Full disclosure of your method of verification, steps taken to investigate, and legally admissible proof of debt * * under * * 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) * *. This is my * * third and final dispute * *. Your prior failures to comply with federal law have left me no choice but to escalate this matter to regulatory agencies and federal court. -- - # # # * * Fraudulent Accounts Demanding Removal : * * * * KIKOFF LEND * * - Account # : # XXXX ) * * - Status : 90 days past due - * * Demand * * : Explain how this alleged debt was verified. With METHOD OR DELETE IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
A company charge me XXXX for some credit fee from a card I never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
The following inquiries are unrecognized, and I would like to have them removed from my credit report before taking further action. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
The following inquiries are unrecognized, and I would like to have them removed from my credit report before taking further action. 

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 2025-05-27 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: UT

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report four ( 4 ) fraudulent accounts appearing on my consumer FICO TransUnion credit report, which I do not recognize and which are the result of identity theft and fraud. These unauthorized accounts include : a collection account opened at XXXX XXXX XXXXXXXX XXXX XXXX  under account number XXXX, a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX and a collection account opened at XXXX XXXX on XX/XX/XXXX. These fraudulent accounts have also triggered multiple unauthorized hard inquiries and collections, all of which are negatively impacting my credit profile. I demand that these items be permanently removed from all of my consumer credit reports and that all related collection activity be ceased immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: UT

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report four ( 4 ) fraudulent accounts appearing on my consumer FICO TransUnion credit report, which I do not recognize and which are the result of identity theft and fraud. These unauthorized accounts include : a collection account opened at XXXX XXXX XXXXXXXX XXXX XXXX  under account number XXXX, a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX and a collection account opened at XXXX XXXX on XX/XX/XXXX. These fraudulent accounts have also triggered multiple unauthorized hard inquiries and collections, all of which are negatively impacting my credit profile. I demand that these items be permanently removed from all of my consumer credit reports and that all related collection activity be ceased immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-27 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: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly 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 non-monetary relief