vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit file and found a hard inquiry that I did not authorize. This listing is not valid and should not remain on my report.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist To Whom It May Concern, I am writing in regard to your attempts to collect a debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease all communication with me immediately regarding this matter. 

Please be advised that I am aware of my rights and any further contact from your agency, other than to confirm in writing that you will comply with this request or to notify me of specific legal action, will be considered harassment and a violation of federal law. 

I expect written confirmation within 15 days that you have received and processed this cease and desist request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: VA

Complaint narrative:
I am writing to formally dispute several inaccurate and potentially unauthorized items appearing on my credit report. I believe the following entries may be misreported, outdated, or unverifiable. I request that your office conduct a reinvestigation under the Fair Credit Reporting Act ( FCRA ) and remove any information that can not be substantiated. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXXXXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} 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 Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
Unauthorized accounts have appeared on my credit report that I did not create, authorize, or recognize. I was not notified of their addition, and the details reported are inconsistent across the credit 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
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My bankruptcy was dismissed and it shows up as duplicate its showing two chapter 13 bankruptcys on my report Ive requested them to be removed but havent heard back its going on two years Ive been trying to get this fixed Ive sent out numerous of letters and disputes about this and still nothing. I just want the error removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My bankruptcy was dismissed and it shows up as duplicate its showing two chapter 13 bankruptcys on my report Ive requested them to be removed but havent heard back its going on two years Ive been trying to get this fixed Ive sent out numerous of letters and disputes about this and still nothing. I just want the error 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 explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is Citibank Home Depot credit card customer service. Upon informing them I had a card opened without my consent and with a fraudulent charge on it, they immediately asked for my address, birthdate, and social security number. I refused, and asked for them to verify any information about the account or the card so I could feel like I was speaking to the actual representatives of the bank. They did not offer me anything in response but insisted that the card could not be cancelled without this identifying information.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am formally requesting that you cease and desist all telephone contact with me immediately regarding any alleged debt. You have repeatedly called my phone, and this behavior is unwanted and harassing.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to demand that all communication from your company stop. From this date forward, I will only accept written communication by mail for the sole purpose of confirming that you will no longer contact me or that you intend to pursue legal remedies.

Any further phone calls or unauthorized communication will be documented as harassment and reported to the Consumer Financial Protection Bureau ( CFPB ) and the New York State Attorney Generals Office.

This is not an acknowledgment of any debt. It is a demand for compliance with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I got an email XX/XX/XXXX that my account has been close due to failure to comply with customer agreement. 
I contacted them asking what did I failed to comply with and got no response. They asked me to reapply. 

The balance are always paid off so im not understanding the closing of the account. 

I would like to know what did I failed to comply for future reference. 
Would be nice to be asked about the failure before closing the account to make sure it wasn't a misunderstanding. 

Transparency would be appreciated Customers do not know what not to do if you do not tell them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I filed a formal complaint against Capital One in XX/XX/XXXX XX/XX/XXXX capital one responded with a letter saying I applied online in XXXX they did not provide any signed documents application any significant documents stating validation reporting on my credit report with a dispute code and its damaging my credit and they did not give me full validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-03 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had an account at CITI Bank. 
On XX/XX/XXXX they close the account presuming Fraud. 
CITI inform about frozen account on that date. 
At that moment I had US XXXX in my Ac..... ending.071. 
Not only the Bank didn t return my money also ignores my asking about how to present a Claim.

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 2025-09-03 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Repeated call from multiple number at all times of the days everyday. They are harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
I recently discovered that several accounts were added to my credit report without my knowledge or consent. I never opened these accounts and was not informed about them. In addition, the information reported about these accounts is inconsistent and incorrect.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Mobile deposit check from well known insurance company. When I made deposit it said would clear on XX/XX/XXXX. XXXX made XX/XX/XXXX. Then day later it said not available until XXXX. No options and Wells Fargo said they couldnt do anything despite confirming from both Wells Fargo and insurance company funds cleared on XX/XX/XXXX. Still dont have access to funds. They said next time go to XXXX and they will cash and release funds. Unbelievable. Literally they held my money for no reason. Had to withdraw funds from other fund and charged to cover fees owed while I had to sit and wait. Why are banks allowed to do this to customers? Funds have been cleared for a week but not released to me?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Coast2Coast Mortgage, LLC
State: AL

Complaint narrative:
b'To Whom It May Concern,\n\nI am filing this complaint regarding Coast 2 Coast XXXX LLC, in connection with a refinance application for my home located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\n\nOn or around XXXX XXXX XXXX, I was contacted by a loan officer from Coast 2 Coast who presented a document via XXXX. I was led to believe it was a routine disclosure required for my refinance process. However, I later discovered that the document authorized the transfer of my VA case number and appraisal away from my original lender, XXXX and falsely stated that I wished to withdraw my application with them.\n\nAt no point did I intend to cancel my application with XXXX or authorize Coast 2 Coast to take over my loan file. I believe this tactic was deceptive and designed to mislead me into switching lenders without my informed consent.\n\nThis action has disrupted my refinance process, potentially jeopardized my locked rate, and caused unnecessary stress and confusion. I have since contacted both lenders to revoke consent and request reinstatement of my original application.\n\nI am requesting that this matter be investigated and that Coast 2 Coast Lenders be held accountable for any violations of consumer protection laws or VA lending guidelines. I also ask that my VA case number be reassigned to my original lender, XXXX  so I may continue my refinance without further interference.\n\nThank you for your attention to this matter.\n\nSincerely,  \XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have XXXX transactions and only showing XXXX withdrawals from cash app to my bank. There has been no explanation from where the money thats sent to me went.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MD

Complaint narrative:
Per 15 USC 1681b I did not give written consent permissible purpose in my wet signature to obtain or furnish my consumer report. No consent is fraud.

I did not authorize the listed inquiries to report to my consumer credit reports. Block and remove the inquiries immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>, 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 non-monetary relief
Consumer complaint received 2025-09-03 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: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/year> at XXXX I transferred around {$1300.00} from my bank to XXXX.i did this because my bank XXXX  is allowing fraudulent charges to pull, even asking to stop, they also made me pay {$1000.00} saying my funds I transferred from my savings to checking wasn't there ( which I have proof of yet they don't. So I transferred to XXXX  like XXXX told me to do on XX/XX/year> at XXXX. After transferring my funds to XXXX I was unable to use my debit card to pay my monthly bills. Instead they froze my account wouldn't give me a reason at all. Now I'm unable to access {$1200.00} that was transferred.

Company response to consumer: Closed with explanation