vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I am writing to formally dispute multiple unauthorized hard inquiries currently appearing on my credit report. I have been the victim of several data breaches, which have exposed my personal and financial information without my consent. As a result, these hard inquiries were not authorized by me and constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that these unauthorized hard inquiries be investigated and removed from my credit report within XXXX ( XXXX ) business days. These inquiries are negatively affecting my creditworthiness and were made without my knowledge or permission. 

Please treat this matter with urgency. I am prepared to provide any additional documentation needed to support my claim. Thank you for your immediate attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I ordered a purse from a fraudulent website called shop.wirkin, which is now called XXXX which I can't find online. The account was opened XX/XX/year> then they shut down in XXXX XXXX XXXX. The item never arrived, the vendor keeps saying it was delivered but it never was. shop.wirkin.com did offer to give me a credit for the amount but I am not supplying my new debit card to this company in XXXX. XXXX XXXX XXXX  still shows the item in transit. I reached out to the shipping company they sent me to the vendor. I tried to work with the vendor after my bank called me regarding a fraudulent charge of {$.00}. At this point I closed my Debit Card and received a new one. I Submitted a fraudulent charge to my bank. Now the vendor has now tried to charge my AFFIRM  account and I am in delinquency after paying for the item in full. My bank has declared this charge as fraudulent but AFFIRM is not. AFFIRM is now going to report me to the credit bureau. 
The original charge was for {$64.00} which I did in XXXX installments with Affirm and paid in full. I ordered the item XX/XX/year>. I have been dealing with this issue since the fraudulent charge on my Bank XXXX XXXX back in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-05-24 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: NC

Complaint narrative:
I reached out to Equifax, Experian and Transunion on XX/XX/year> to inform them that their are inaccuracies with late payment dates across the XXXX bureaus and that for this reason, the late payments need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
I reached out to Equifax, Experian and Transunion on XX/XX/year> to inform them that their are inaccuracies with late payment dates across the XXXX bureaus and that for this reason, the late payments need to 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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Over the last few months, when I have been trying to use my debit card, it would randomly trigger a fraud alert on multiple occasions. Then I have to wait over an hour sometimes to get in contact with citizens bank to dispute. The fraud charges to get my card active again. Period over the whole week and XXXX I was stuck in another country without access to my money because citizens bank put a fraud charge on my account even though I let them know in advance that I was out the country today Saturday, XX/XX/XXXX I once again went to my regular grocery store to try to buy groceries And they triggered a fraud alert on my card and locked it. I feel like my money is being withheld for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TX

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXc. ( 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. 

XXXX U.S.C. XXXXs-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 explanation
Consumer complaint received 2025-05-24 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: TX

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXc. ( 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. 

XXXX U.S.C. XXXXs-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX RE : XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 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 BANKRUPTCY DISMISSED/CLOSED Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request for Reinvestigation of Inaccurate Account Information XXXX To Whom It May Concern, I am writing to request a reinvestigation of the XXXX account listed on my Experian credit report. The details of the account in question are as follows : Creditor Name : XXXX Partial Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/year> Status : Closed Credit Limit : {$800.00} According to my credit report, there are six ( 6 ) late payments associated with this account. However, I believe this information is either inaccurate, incomplete, or unverifiable. Additionally, several key data points for this account are missing or marked as unavailable, including : Credit Usage : unavailable Balance : unavailable Balance Updated : unavailable The absence of this critical information raises further concerns about the accuracy and completeness of the reported account. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you reinvestigate this account and verify all information with the original creditor. If XXXX is unable to fully verify the accuracy and completeness of this account including the alleged late payments I am requesting that this account be removed from my credit report entirely. 
Please complete the reinvestigation within the 30-day period as required by law and notify me in writing of the results. I have enclosed copies of my identification and proof of address to assist with this process. 
Thank you for your attention to this matter. I look forward to your prompt response and a resolution. 
Sincerely, 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 2025-05-24 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:
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. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase keeps calling me about a closed account. Multiple calls back to back and but my count XXXX or XXXX this week. They contacted me Friday XX/XX/XXXX in which I told them I got paid Friday and would be making a payment and to stop calling especially repeatedly during my work hours moreover when those calls are back to back. Saturday morning at XXXX they call me, I answer, they ask if I'm me, I say yes and they hung up. I called back and made a complaint and again said to stop calling, turns out the person on Friday lied when they said they left a stop contact note. 

I get it, they closed my account which is what I told them I was doing anyway so no big deal. That said I do not appreciate being harassed over an amount their company makes in a matter of seconds everyday. I'm no one, they need not harass me like XXXX XXXXXXXX XXXX trying to get their XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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 HAVE BEEN AFFECTED BY THE XXXX  DATA 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. 

Account Name : XXXXXXXX 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 2025-05-24 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:
Pursuit to Section XXXXb of the FCRA Transuion Equifax XXXX Experian has failed to protect my consumer rights and remove fraudulent accounts and inquiries from my personal credit report Said accounts BANK XXXX XXXX loan ( fraudulent auto loan did not do business with this creditor {$34000.00} XXXX XXXX XXXX {$34000.00} ( FRAUDULENT AUTO LOAN ) collection- XXXX XXXX of XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX these accounts should be removed as soon as possible

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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
I have First Horizon Bank account. For some reasons - I am not able to even access my online account. My userID and password are all correct. It gave me an option to send the XXXX time passcode to my mobile phone ending in XXXX but that XXXX time passcode never comes to that. Alternate - like phone call to that is also not happening. 

I sent an email to XXXX who was helping me to open the account. 

I want to access my account as well as make sure that i enroll for e-statement and everything?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX AUTO XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX AUTO XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX 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 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX Phone : XXXX Date : XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Request for Debt Validation - Account Associated with XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal request for validation of the alleged debt associated with XXXX XXXX XXXX XXXX, as reported by your agency. I am requesting this validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 
Please provide the following : 1. The name and address of the original creditor 2. A detailed account statement showing the original amount and any interest or fees 3. Documentation proving that I am legally obligated to pay this debt 4. A copy of the original agreement bearing my signature, if applicable Be advised, under * * 15 U.S.C. 1692g ( b ) * *, you must cease all collection activity until this debt has been properly validated. Continued attempts to collect or report this debt without proper validation may constitute violations of : - * * FDCPA 15 U.S.C. 1692g * * - Failure to validate the debt - * * FDCPA 15 U.S.C. 1692e * * - Misleading or deceptive practices- * * FCRA 15 U.S.C. 1681s-2 ( b ) * * - Failure to investigate and correct disputed information If you fail to provide proper validation, or if this debt can not be legally verified, I request that all collection efforts stop and that any negative reporting associated with this account be immediately removed from all consumer credit reporting agencies. 
Sincerely, XXXX XXXX Dispute Letter to Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone : XXXX Date : XX/XX/year> [ Insert Bureau Name ] [ Insert Bureau Address ] Subject : Formal Dispute - Collection Account Reported by XXXX XXXX  To Whom It May Concern, I am formally disputing the accuracy of a collection account reported on my credit report : - Collection Agency : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX - Date Reported : XX/XX/year> - Status : Consumer disputes this account information I request that your bureau investigate this entry and provide : - Verification of the debt from the collection agency - Documentation supporting the accuracy of the account If the account can not be verified within the legally mandated time frame, I request its immediate removal from my credit file. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation