vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CO

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2025-05-29 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 filed a dispute with Experian on XX/XX/year>, including a detailed letter identifying inaccurate accounts on my credit report and an FTC Identity Theft Report as supporting evidence. Despite providing clear documentation and requesting a thorough investigation, Experian failed to correct or delete the inaccurate accounts. I have not received any valid explanation or resolution, and these accounts are still negatively affecting my credit report. I believe Experian failed to comply with their obligations under the Fair Credit Reporting Act to reasonably investigate and address consumer disputes. I request the CFPB to intervene to ensure Experian fulfills their legal responsibilities and removes the disputed items.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
Was charged {$250.00} annual fee. Nowhere on application did it state I would be charged {$250.00} annual fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was trying to change plane tickets XXXX XXXX XXXX at the airport and I was unable to use my card due to it being restricted for no reason. I submitted all requested documents immediately on XXXX XXXX XXXX and was give no expedited assistance by Capitol One. I was also forced to spend XXXX XXXX on XXXX XXXX XXXX on car insurance on a rental car that would have been covered by my card. They have been completely useless in helping me to resolve this issue. I pay almost XXXX XXXX a year for this card and to have it restricted during my travels has been detrimental to my mental health as well as financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS NOT A DISPUTE THIS IS LEGAL NOTICE To : XXXX XXXX XXXX Attn : Credit Reporting Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion Attn : Legal Department XXXX XXXX XXXX XXXX, IL XXXX Equifax Attn : Consumer Dispute Center XXXX. XXXX XXXX XXXX, GA XXXX Experian Attn : Consumer Dispute Center XXXX  XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS IS NOT A DISPUTE THIS IS LEGAL NOTICE To : XXXX XXXX XXXX Attn : Credit Reporting Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion Attn : Legal Department XXXX XXXX XXXX XXXX, IL XXXX Equifax Attn : Consumer Dispute Center XXXX. XXXX XXXX XXXX, GA XXXX Experian Attn : Consumer Dispute Center XXXX  XXXX XXXX XXXX, TX 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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Account Midland Credit Management. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete Account Midland Credit Management as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I simply have requested all data the credit reporting agencies have received concerning the application and approval of my account with them established on XX/XX/year>. I keep requesting it and keep getting a response they have already provided my annual credit report or they send a credit report. I have a right to this data and need it to correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXXe ( b ) and XXXX USC XXXXi, 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 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 2025-05-29 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:
I am writing to formally complain about Equifaxs failure to remove inaccurate information from my credit report despite my status as a survivor of XXXX  XXXX. Under the [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, survivors have the legal right to have adverse credit records removed that stem from their XXXX  experience. 

I have submitted all required documentation to Equifax, including the necessary proof of XXXX  and the relevant disputes regarding fraudulent accounts. Despite this, Equifax has refused to remove these items, causing significant hardship as I attempt to rebuild my financial stability. 

I respectfully request the CFPB to investigate this matter and ensure that Equifax complies with its legal obligations. Survivors should not have to fight to reclaim their financial independence. I appreciate your time and assistance in addressing this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
My account has been locked and I have sent in the required documents multiple times to have my account unlocked and gain access. There is a balance that I have been paying. I have been a customer of this company for XXXX  years. No matter the amount of times I have sent in these documents, they are not enough. There is no due diligence with the support staff to reach out to me to inform me that the documents are missing, illegible, or otherwise. I have sent a complaint about this before and there was no resolution to this issue. I have sent the front and back of my social security card multiple times with the front and back of my drivers license and a copy of my electric bill. 
I can see the faxes I have sent and and resent the ones after I CALLED to be informed that a few needed more clarity. 
I have a balance that is now overdue and I have put in effort to remedy the security problem to return access to my account and yet, it is not enough.

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 2025-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-05-29 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: NY

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I checked my credit report on XXXX XXXX2024 and seen a negative item on my credit report by AMEX they had it in collections i disputed it with a Validation of debt with a cease & desist letter, i got no respond, then Amex removed it from collection to charge-off. now im getting letters from debt collectors ( XXXX ) saying i owe them {$3200.00} & XXXX XXXX saying i owe them {$530000.00} and AMEX saying i owe them too! AMEX is reporting the same account 3 times and it keep going up every month it went from {$400000.00} to {$300000.00} to now {$500000.00} this is FRAUD AND INACCURATE!!! 18 USC 1028A AGGRAVATED IDENTITY THEFT!!! I HAVE AMEX, XXXX & XXXX COMING AFTER ME FOR THE SAME ACCOUNT THAT WAS IN CHARGE-OFF BACK TO COLLECTIONS BACK TO CHARGE-OFF!! THIS IS FRAUD!! I SENT THE CEASE AND DESIST LETTER AMEX NEVER RESPOND TO MY DISPUTE BUT THEY RAISED THE AMOUNT TO {$500000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CBC Companies, Inc.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
Date of Purchase : XX/XX/year>2025 Merchant : XXXX Payment Method : Discover Card Dear CFPB, Im submitting this complaint regarding a recent experience with both XXXX and Discover involving an unauthorized and unwanted product delivery, followed by poor customer service and lack of support for dispute resolution. 

In XX/XX/scrub> 2025, I purchased three tubs of whey protein from XXXX. Two of them were set up with auto-deliveryone Extreme Chocolate and one Double Chocolatewith deliveries scheduled every three months. 

In XX/XX/year>2025, I received a notification that one of the items was scheduled to ship on XX/XX/XXXX. Since I hadnt finished my previous supply, I logged into my XXXX account and changed the auto-delivery date to extend it by another three months ( to six months total ). This change was made before the scheduled shipment date. 

Despite this, XXXX still shipped the product, and I only discovered the delivery on XX/XX/XXXX when I picked up another package at my office. The protein had been delivered on XX/XX/XXXX. 

I contacted XXXX and spoke with both a representative and a supervisor. They told me that changes to auto-delivery take time to process and that my update would only apply to future orders. However, I made the change before the shipment date, and I was not informed that this would not apply to the current cycle. 

To make matters worse, the flavor I received was not the one I ordered. They acknowledged this but refused to issue a refund, claiming I still received the producteven though it was not the correct item and not authorized for delivery. 

I disputed the charge with Discover, but they sided with XXXX. The first representative hung up on me. A second representative claimed a complaint would be filed, but I never received confirmation or follow-up. 

At this point, I have canceled all auto-deliveries and my XXXX XXXX XXXX after three years, as I no longer trust their service or practices. I believe the way XXXX handles auto-deliveriescontinuing to ship based on original schedules despite updated preferencesis misleading and buried in fine print. I feel this is unfair and deceptive. 


Lets put that for example the current supply i have of protein i finish it this month and order one for next month, i still feel is misleading that XXXX will not respect the updated preferences of delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
When we called Midland Credit Management to verify balances and get reduced balances for XXXX accounts they refused to speak with me unless I revoked a cease and desist that was placed on the account that I had no knowledge of. A cease and desist doesn't allow the creditor to not discuss the balance it only protects the debtor from repeated harassment from the creditor. I did not submit a cease and desist and therefore should not have to revoke a cease and desist so they can continue to harass me. I've attempted to resolve this debt on multiple occasions and have been given the run around. I have not received an acknowledgement and will be disputing these XXXX accounts as the creditor is required to provide correct information when requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: PA

Complaint narrative:
I enrolled in Beyond Finances debt settlement program believing they would actively negotiate with my creditors and reduce my overall debt. However, the service I received did not match what was promised.

At enrollment, I was not clearly informed that no action would be taken until I had deposited 3040 % of my total debt into their settlement account. This crucial detail was either buried in fine print or not disclosed transparently. Over several months, I received little to no proactive communication or updates about my accounts. 

I eventually contacted XXXX directly in XX/XX/year> and resolved the account myself at which point XXXX confirmed they were unaware that I had even enrolled the account in a settlement program. I have since removed XXXX and XXXX from Beyonds program and am pursuing resolution independently.

When I requested clarification from Beyond Finance about the program and timelines, I received vague, generic responses and no specific information that addressed my concerns. Their lack of transparency, misleading enrollment communication, and failure to take timely action have left me feeling deceived and unsupported. 

I am requesting appropriate action and review of Beyond Finances practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
Anytime I try to indentify myself for a place to live it states that I have an eviction on my credit report that I cant see on my profiles and also that my identity cant be verified by any of the credit bureas. Inquires and accounts have popped up on my report that I did not do. My purse was stolen in XXXX and my credit profile have not be accurate since. 

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

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with XXXX XXXX, I am formally requesting their removal within the next XXXX days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation