vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: MicroBilt / PRBC (formerly CL Verify)
State: AL

Complaint narrative:
I am the victim of identity theft. My XXXX credit report contains multiple fraudulent accounts and unauthorized hard inquiries that were opened or made without my knowledge or consent. These include accounts reported by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, along with numerous unauthorized auto loan inquiries. 

I have filed a police report and an FTC Identity Theft Report, both of which are enclosed. I also mailed a complete identity theft package directly to XXXX Fraud Department that includes my police report, FTC report, ID, SSN, and proof of address.

Under FCRA 605B and FACTA 112, I am requesting XXXX to immediately block, delete, and cease reporting all fraudulent accounts and hard inquiries tied to my stolen information. 

I request confirmation once these fraudulent items have been deleted and that XXXX stop sharing this information with any third parties or data furnishers.

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 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: RI

Complaint narrative:
On XX/XX/year>2025, I requested immediate correction or deletion of accounts pertaining to, myself, XXXX XXXX, related to a collection of an alleged debt. 

The documentation that was requested by me regarding this account, that wasn't received, were the following : - I requested that the accounts listed above be reviewed and corrected or deleted in their entirety, ensuring compliance with all applicable laws and fiduciary duties. 
- If corrections or deletions are not made, I demand access to all pertinent information, including but not limited to : - All accounting information and financial instruments related to these accounts. 
- Proof of authority over the accounts or the estate. 
- Details and identification of all parties involved in any investigations or proceedings concerning these accounts or the estate. 
- Any and all documentation supporting the current status or actions taken regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I do not owe this debt, I never done business with this company before and I want this debt removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: Advanced Resolution Services Inc.
State: AL

Complaint narrative:
I am reporting several unauthorized charges that appeared on my XXXX XXXX  checking account, which were made using my debit card without my permission. These transactions were not authorized by me. I have already contacted XXXX XXXX  and provided my police report and identity verification documents. 

I have also mailed a complete fraud packet to XXXX XXXX  Fraud Department, including my police report, FTC Identity Theft Report, government-issued ID, proof of address, and supporting documentation showing these transactions were unauthorized. 

Despite these efforts, XXXX XXXX  has not refunded or corrected the unauthorized transactions as required under Regulation E ( 12 CFR 1005.6 ). I request that XXXX XXXX  promptly investigate, reverse all fraudulent charges, and confirm that my account has been secured from further misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: CrossCheck, Inc.
State: AL

Complaint narrative:
I am reporting several unauthorized charges that appeared on my XXXX XXXX  checking account, which were made using my debit card without my permission. These transactions were not authorized by me. I have already contacted XXXX XXXX  and provided my police report and identity verification documents. 

I have also mailed a complete fraud packet to XXXX XXXX  Fraud Department, including my police report, FTC Identity Theft Report, government-issued ID, proof of address, and supporting documentation showing these transactions were unauthorized. 

Despite these efforts, XXXX XXXX  has not refunded or corrected the unauthorized transactions as required under Regulation E ( 12 CFR 1005.6 ). I request that XXXX XXXX promptly investigate, reverse all fraudulent charges, and confirm that my account has been secured from further misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: DC

Complaint narrative:
I am disputing the inaccurate reporting of a XXXX XXXX XXXX account ( # XXXX ) on my credit file. 
This account is being reported as open and repossessed, even though it is time-barred and legally uncollectible under D.C. law . 
I still have the vehicle, and XXXX XXXX has not verified the debt despite multiple certified dispute letters. 
The bureau has failed to remove or correct this false and unverifiable account information. 
I am requesting that the bureau permanently delete this tradeline from my report as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint against Citi Bank, XXXX. regarding the Home Depot Credit Card, which was misrepresented at the time of application. 

I applied under the reasonable belief that I was obtaining a standard Citi credit card usable anywhere that accepts major credit cards. Nowhere during the application process was it clearly and conspicuously disclosed that this was a private-label, XXXX XXXX XXXX XXXX no general-use functionality. Immediately after approval, I discovered the account could only be used for purchases at XXXX XXXX and carried no external purchasing or rewards flexibility. 

Because the true nature of the product was concealed until after the hard inquiry and approval, I incurred an unwanted credit line that negatively impacted my XXXX XXXX, utilization ratio, and future credit opportunities. I never consented to this form of restricted-use credit. 

This conduct constitutes a deceptive practice in violation of : The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), for failure to provide clear, meaningful disclosure of material credit terms before acceptance ; Regulation Z ( XXXX C.F.R. XXXX and XXXX ), which requires accurate pre-contractual disclosure of the card type, terms, and limitations ; and The XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, prohibiting unfair, deceptive, or abusive acts or practices ( XXXX ) in consumer credit products. 

I did not request a store-restricted account, and XXXX application process failed to obtain my informed consent to such terms.

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 2025-10-19 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: MI

Complaint narrative:
This is a formal and final demand for the immediate deletion of unauthorized hard inquiries appearing on my credit report. I did not initiate, authorize, or consent to any of the credit inquiries listed below. These inquiries are inaccurate, unauthorized, and violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

TransUnion is legally obligated to ensure that all information in my credit file is accurate and verifiable. If you can not provide irrefutable, documented proof of my direct authorization for each inquiry, you must delete them from my credit file without delay. 

The inquiries in dispute are : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am not requesting but demanding that these inquiries be permanently deleted unless you can provide clear, legally valid, signed evidence of my consent for each. A vague or unverifiable response will not be accepted. 

Failure to comply within the 30-day investigation period required by law will leave me no choice but to take immediate action, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Pursuing legal remedies for negligent and/or willful noncompliance with the FCRA.

This is your final notice to either produce proof of authorization or remove these inquiries. I expect written confirmation of deletion within the legally mandated timeframe.

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 2025-10-19 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: LEXISNEXIS
State: AL

Complaint narrative:
I am reporting several unauthorized charges that appeared on my XXXX Bank checking account, which were made using my debit card without my permission. These transactions were not authorized by me. I have already contacted XXXX Bank and provided my police report and identity verification documents. 

I have also mailed a complete fraud packet to XXXX Banks XXXX Department, including my police report, FTC Identity Theft Report, government-issued ID, proof of address, and supporting documentation showing these transactions were unauthorized. 

Despite these efforts, XXXX Bank has not refunded or corrected the unauthorized transactions as required under Regulation XXXX ( XXXX CFR XXXX ). I request that XXXX Bank promptly investigate, reverse all fraudulent charges, and confirm that my account has been secured from further misuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed multiple inaccurate and unauthorized accounts reporting on my credit file. I requested that the company provide documentation verifying that I opened or authorized these accounts, including original signed applications and account records. Despite my request, the company failed to provide any proof or supporting documents as required under the Fair Credit Reporting Act ( FCRA ). Instead, they marked the items as verified without investigation or proper documentation. 

I have already submitted written disputes and supporting evidence, including identity theft affidavits and proof of my identity, yet the company continues to report these accounts inaccurately. This has caused damage to my credit score and has made it difficult to obtain housing and credit.

I am requesting a full reinvestigation, deletion of all unverifiable or unauthorized accounts, and confirmation in writing that the items have been permanently removed in compliance with FCRA 605B, 609, and 611.

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 2025-10-19 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-19 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: CA

Complaint narrative:
I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute which identified fraudulent accounts from XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. Despite having received all required documents, I am submitting this formal complaint against Experian for ongoing has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being

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 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Someway somehow there was fraudulent transactions done on my XXXX Checking account. I proceeded to see the fraudulent transactions on I beleive on XXXX of XXXX. I proceeded to call in order to put a claim. Upon calling they mentioned that for protection and safety they would need to put a freeze on my account. The problem is from XXXX  the XXXX to the XXXX of XXXX I had transactions pending to my American express. Due to the XXXX being a holiday no funds were taken from my checking account since it isn't considered a business day. When I went into a chase branch XXXX  the XXXX they proceeded to open me a new checking account for my protection. On the XXXX of XXXX I sign into my American Express account and notice my balance has been significantly increased by nearly XXXX dollars due to fees. XXXX of them specifically due to my account being frozen. ( The account being frozen due to XXXX ). Proceeded to call the institution to explain my situation and even spoke to a supervisor and yet they said they can only waive XXXX. I was a victim in a situation and I feel as though American Express is targeting me when I had every intention of making the payments that ended up returning. I then proceeded to make the payment on the returned transactions as I do stay upto date on my payments. I would really like to just be reimbursed for all those fees. I don't feel as though it was deserving as again I was a victim of something I can not control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-19 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: MA

Complaint narrative:
XXXX, XXXX TO THE : Consumer Financial Protection Bureau I am writing to dispute my credit report of in-accurate information. Below please find the discrepancies. I am requesting for the documented items to be removed from all 3 credit reports. 
Equifax : XXXX XXXX Old Account Balance : XX/XX/XXXX XXXX XXXX Old Account Balance : XX/XX/XXXX XXXX XXXX XXXX : Closed Account XXXX Balance : Sold to new lender. Closed XXXX XXXX XXXX XXXX : Closed {$7500.00} Closed -XXXX- -XXXX XXXX XXXX : Who is a 3rd party who by law should not have had my information. 
-XXXX XXXX XXXX Who is a 3rd party who by law should not have had my information. 
XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX was supposed to be removed XX/XX/XXXX stills remains on my report. 
Experian : XXXX XXXX XXXX XXXX : Closed Government Employees In {$350.00} XXXX XXXX XXXX {$480.00} Transunion : XXXX XXXX Old Acct and balances : XX/XX/XXXX : {$180.00} XXXX XXXXXXXX Old Acct and balances : XX/XX/XXXX : {$0.00} XXXX Collections Name : XXXX : {$4800.00} / 3rd party should not have my information. 
Name : XXXX : {$480.00} / 3rd party should not have my information. 
XXXX Inquiries XXXX - XX/XX/XXXX to be removed XX/XX/XXXX XXXX XX/XX/XXXX to be removed XX/XX/XXXX still on report XXXX XXXXXXXX XXXX to be removed XX/XX/XXXX still on report XXXX XXXX XXXX- XX/XX/XXXX to be removed XX/XX/XXXX Closed Accts : XXXX XXXX {$0.00} ( sold to new lender ) /XXXX XXXX  XXXX XXXX XXXX XXXX {$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 non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I do not owe this debt Ive never done business with this company before and I want this debt removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The welcome offer from AMEX via XXXX XXXX states that we will receive {$300.00} cashback if spending {$1000.00} on the card within 3 months of account opening. However, this is misleading as it is NOT within card account opening but from the date of ordering the card. 
My card was not sent to my mailing address and the addresses on the account also had errors. So it took extra time to locate the card, resulting in a delay to my receiving the card. After receiving it about a month later, I opened my AMEX account. However, between this delay and the misleading wording I was unaware I was 4 days outside the deadline apparently when I enquired on XX/XX/year> from AMEX via chat about how to apply the welcome offer. I was told it was no longer valid. I was told by the company I could request a 10 day extension to the welcome offer but it would take 2-4 weeks to even consider this. They have today denied this is even possible to extend. Please can you help, thank you. 

Small print : 1. {$300.00} Statement Credit To qualify for the {$300.00} Statement Credit you must make eligible purchases with your XXXX Investor Card from American Express that total {$1000.00} or more ( the " Threshold Amount '' ) within your first 3 months of Card Membership, starting from the date that your account is opened. The statement credit will be applied 8-12 weeks after the Threshold Amount is met. Eligible purchases to meet the Threshold Amount of this offer include those made by both the Basic and Additional Card Members on the Card Account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents. Additional Card Members on your account are not eligible to receive the Card statement credit. To receive the Card statement credit, your Card account must not be canceled or past due at the time the Card statement credit is posted to your account. You can earn a {$300.00} Card Statement Credit after you spend {$1000.00} or more on eligible purchases on your Card within your first 3 months of Card Membership starting from the date that your account is opened. In rare instances, your period to spend {$1000.00} may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ). The statement credit will be applied 8-12 weeks after the Threshold Amount is met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.

Complaint narrative:
This debt is not mines, debt sold to collection agency

Company response to consumer: Closed with explanation