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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/2023 -- {$0.00}

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 2025-04-04 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1998 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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: TN

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: KY

Complaint narrative:
XXXX XXXX XXXX is illegally attempting to collect a debt from me. I reside in Kentucky and they are not licensed to collect in Kentucky ( see attached ). Furthermore I do not know who this company is nor do I have a financial agreement with this company.

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 status incorrect
Company: EQUIFAX, INC.
State: TX

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 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: GA

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MORGAN STANLEY & CO. LLC
State: PA

Complaint narrative:
I signed up for an eTrade by Morgan Stanley XXXX Banking XXXX Account with a sign-up promotion to receive XXXX direct deposits of {$1000.00} each to be awarded a {$250.00} cash bonus after the account had been opened for XXXX  days. I previously had a brokerage account with eTrade. I opened my account on XXXX with a {$5.00} deposit and received a direct deposit of {$1000.00} from my employer on XX/XX/year> and XX/XX/year>, satisfying the requirements. After 120 days passed, I did not receive the bonus and reached out to representatives via online chat 4 times ( XXXX ) where they stated they would get me more information on why I was disqualified ( despite receiving previous emails that I qualified ). 

On the XXXX attempt to reach reasoning, a XXXX provided vague blanket information and informed me that eTrade reserves the right to disqualify anyone from a promotion for any reason. I find this to be unfair to consumers since there was no term in the promotion that I did not fulfill.

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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada, XXXX XXXX [ Email Address ] XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Dispute Against Experian for XXXX XXXX XXXX and XXXX XXXX. 

To Whom It May Concern, I am writing to file a formal dispute against Experian for two significant issues that have impacted my credit report and personal information : 1. Underreporting of Credit Score I believe Experian has underreported my credit score. I regularly monitor my credit score through several platforms, and I have noticed discrepancies between the score reported by Experian and those reported by other credit reporting agencies. Despite having paid down my debt and maintained a healthy credit history, Experian is showing a lower XXXX XXXX than I believe is accurate. 
XXXX. XXXX XXXX XXXX I am also concerned about a potential data breach involving Experian. I was recently made aware of unauthorized access to my personal information, including sensitive data like my Social Security number, which I believe XXXX have been compromised. I have not been informed by Experian of any security breach that XXXX have affected my data, and I have not received any communication from them regarding steps taken to protect my information. 

As a result of these issues, I am requesting that the CFPB investigate both the underreporting of my XXXX XXXX and the potential data breach. I also request that Experian correct any inaccuracies in my XXXX XXXX and provide me with a full explanation regarding the breach of my personal data, including the steps they are taking to protect my information moving forward. 

I have attached copies of my credit reports, any relevant communications, and documents supporting my claims. Please confirm receipt of this dispute and provide me with updates as your investigation progresses. 

Thank you for your time and assistance in resolving these issues. I look forward to your prompt action in addressing my concerns. 

Sincerely, 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 2025-04-04 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate, unauthorized, and negative information that appears on my credit report. I request that the following items be investigated and removed or corrected immediately as required by the Fair Credit Reporting Act ( FCRA ).

The disputed items include : 1. Unauthorized/Inaccurate Inquiries There are several inquiries listed on my report that I do not recognize, did not authorize, and have no affiliation with. These inquiries are affecting my credit score and do not reflect my credit activity.

2. Unknown Accounts There are accounts showing on my credit report that I never opened. I believe these to be the result of identity theft or reporting errors. These accounts are negatively affecting my credit profile.

3. Negative Information I also dispute any and all negative items that are inaccurate, unverifiable, outdated, or not in compliance with federal credit reporting regulations. Please investigate these entries and delete any that can not be verified.

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 — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Issue : Unauthorized charge denied without proper investigation. 

Details : > Chase denied my dispute for an unauthorized {$250.00} charge to XXXX, even though I submitted proof that I do not use an XXXX or XXXX XXXX. Their supervisor told me I benefited from the charge and that I would have to get the money back on my own. I was hung up on and refused a fair investigation. 

I submitted a phone bill showing that I use a XXXX device, not an XXXX XXXX. Chase made their decision based on inaccurate assumptions and refused to provide a copy of their investigation or explain the evidence used. 

This is a clear violation of [ Regulation E/ the Fair Credit Billing Act ] and I am requesting CFPB review and intervenention.

I am writing to formally demand reconsideration of a dispute involving an unauthorized {$250.00} charge made to my Chase accoubt through an XXXX XXXX XXXX at XXXX. 

I previously filed a dispute through Chase customer service, and despite submitting evidence that this charge was not authorizedspecifically a phone bill proving that I use a XXXX device, not an XXXX or XXXX XXXX claim was denied without a proper investigation. To make matters worse, when I called to escalate, a supervisor told me that I autozone had ny money, not chase and that I benefited from the charge and that I would need to recover the money on my own. I was then disconnected mid-conversation. 

This conduct is not only unacceptable, but it may also be in violation of federal consumer protection laws : Regulation E ( Electronic Fund Transfer Act ) for debit card transactions Fair Credit Billing Act for credit card transactions Under these laws, financial institutions are required to conduct a fair and reasonable investigation of disputed charges and provide a clear explanation if a claim is denied. Chase has failed to do so.

Demand I am demanding : 1. A full refund of the unauthorized {$250.00} charge 2. A formal reinvestigation of the transaction 3. A written explanation of how the initial decision was made If I do not receive a response within 10 business days, I will proceed with : Taking legal action in small claims court for the full amount, plus court costs and damages for mishandling my dispute Please treat this matter with the urgency and seriousness it deserves.

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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1998 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 XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the 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 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to dispute and correct inaccurate personal information on their credit reports. I contacted Equifax by phone to request a correction of erroneous personal details in my file. However, my request was unfairly denied, despite the fact that the FCRA allows disputes to be submitted via telephone, online, or in writing. This refusal to assist me violates my right to an accurate credit report and fair access to the dispute process. I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure Equifax complies with the law and corrects my information as required. Failure to do so may result in further legal action to protect my consumer rights

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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need. 
Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provide. XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I am filing this complaint to dispute an alleged debt of {$5700.00} reported by Portfolio Recovery Associates LLC, which they claim originated from XXXX XXXX. ( Account # : XXXX ). 

I have no recollection of this account, have never received a bill from XXXX for this amount, nor have I signed any agreement authorizing this account or its transfer to a debt buyer. Portfolio Recovery has failed to provide any documentation verifying the legitimacy of the debt, including a signed contract, account history, or assignment of rights to collect. 

This account is also duplicated on my credit reportboth XXXX XXXX. and Portfolio Recovery are reporting the same debt under different listings. This constitutes double reporting, which is misleading and unjustly damages my credit profile. This action violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which mandates that only accurate and non-duplicative data be reported, as well as FDCPA 1692e ( 8 ) regarding the communication of false credit information. 

I have repeatedly requested validation and documentation to verify the alleged debt. I have received no legally sufficient response. This continued reporting without proper substantiation is not only deceptive but harassing, and is causing emotional and financial stress.

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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-04-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 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 belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation