vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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 filing a complaint regarding unauthorized hard inquiries that have been placed on my Experian credit report. These inquiries were not initiated or authorized by me, and to my knowledge, I did not apply for credit or give permission for these companies to access my credit file. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> No permissible purpose or consumer authorization. 

XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Not authorized or initiated by me ; no credit application was made. 

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), a consumer reporting agency may only furnish a credit report if there is a valid permissible purpose. Since no such purpose or authorization exists in my case, these inquiries should not have been made. Additionally, under FCRA 611 and XXXX XXXX compliance requirements, Experian is obligated to ensure that only accurate and substantiated information is reported. 

Despite this, the unauthorized inquiries remain on my file and negatively impact my credit profile.

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 2025-08-26 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: TN

Complaint narrative:
I recently reviewed my credit report and was shocked to find multiple addresses that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. These inaccuracies suggest my personal information has been confused with someone elses.Additionally, several charged-off accounts and collections appear on my report that I do not recognize, including 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 .Moreover, there are numerous inquiries listed that I never authorized, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, among others.

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 2025-08-26 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: TN

Complaint narrative:
I recently reviewed my credit report and was shocked to find multiple addresses that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. These inaccuracies suggest my personal information has been confused with someone elses.Additionally, several charged-off accounts and collections appear on my report that I do not recognize, including 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 .Moreover, there are numerous inquiries listed that I never authorized, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, among others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
A summons from the court came to my house in the end of XXXX of this year and letter in the mail came after which was a copy of the summons also. Then delivered in the mail I received a letter dated XX/XX/XXXX with lawyer website where we I can go resolve manageable. On XX/XX/XXXX I suggest {$200.00} a month on the website and on XX/XX/XXXX they emailed me back they will accept it on every XXXX of the month. On XX/XX/XXXX they emailed me back saying they will be sending me a consent form I am to sign it, mail it back to them, and they will file the entry into the courts. The email also said if consent is not returned and the payments are being made as agreed they may proceed with obtain judgement. Once received I mailed it back XXXX I mailed my first payment. XX/XX/XXXX I called them and asked where is my copy of the agreement they blamed in the courts. I told them I spoke with the courts and they never received it. They began to make up excuses and even told me one of the two lawyers who is handling it will sign it and send me a copy. So they have not even signed the agreement yet. XX/XX/XXXX I called the court again and they still have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This correspondence is a dispute regarding a fraudulent account wrongfully reported on my credit file. I never opened or authorized this account, and its reporting is entirely inaccurate. The harm it causes to my credit standing must be immediately corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Credit Report shows as a charge off and derogatory and consumer request copy of filed IRS form XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Hello, I would like to file a complaint against XXXX XXXX and XXXX XXXX. I've been very patient, trying to dispute these fraudulent claims that they keep denying. On Monday XX/XX/year>, I called and I was passed around to many different departments. The nice employee from the dispute department helped me open disputes for all XXXX charges from XX/XX/year> - XX/XX/year>. These charges were unauthorized due to identity theft and fraudulent activity which I specified but all the claims were DENIED on the morning of XX/XX/year>. They did not do the investigation based on the fact that my identity was stolen and all those transactions were fraud. I have already filed a police report and froze all my credit bureaus. I've attached the unauthorized transaction spreadsheet that I've created and sent over to XXXX XXXX support. It claims that my tax refund came in and the fraudulent activities started. I am missing {$8100.00} and that is a large amount for me. 

XXXX XXXX  Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding two inaccurate and unverifiable accounts being reported on my credit report by credit reporting agencies. Both accounts are listed as collections, and I have no knowledge of them. Their reporting is false, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) 609 ( a ) and 611 ( a ), which require credit reporting agencies to maintain accurate, complete, and verifiable information. 

PORTFOLIO # XXXX, opened on XX/XX/year> with a high credit of {$710.00}, is reported as a collection. I do not recognize this account, and it is being reported without verification. Under FCRA 611 ( a ), any information that can not be verified must be deleted. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) # XXXX, opened on XX/XX/year> with a balance of {$710.00}, is also reported as a collection. I have no knowledge of this account, and its presence on my credit report is inaccurate and unverifiable. 

I demand that the Consumer Financial Protection Bureau investigate these accounts, ensure that they are properly verified, and immediately delete any information that can not be confirmed. The continued reporting of these unverifiable accounts is harming my credit, and failure to remove them constitutes a violation of federal law. I expect written confirmation of the deletion or correction of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unlawfully reporting derogatory marks on consumer credit report.

Per 12 CFR Regulation V...

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 2025-08-26 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: TX

Complaint narrative:
This letter serves as a formal dispute of the late payment currently being reported on my account. I maintain a strict record of my payments, and it is clear that the entry in question is incorrect. The false reporting has caused an unnecessary and harmful impact on my credit history, which must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX XXXX XXXX Cherry XXXX XXXX XXXX XXXX, MA, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Account NoXXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter serves as my formal and final notice that, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., you are hereby directed to cease and desist all further communication with me regarding the alleged debt referenced above. 

Be advised : XXXX. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease further communication, you must do so except to advise that collection efforts are being terminated, or that specific legal remedies will be pursued. 
XXXX. Any further communication outside of these narrow exceptions will constitute a willful violation of federal law and will be documented as such. 
XXXX. Any such violation will subject XXXX XXXX XXXX XXXX XXXX to liability under 15 U.S.C. 1692k, including actual damages, statutory damages, costs, and attorneys fees.

Additionally, in accordance with 15 U.S.C. 1692g, I hereby demand full and proper validation of the alleged debt, including but not limited to : Identification of the original creditor ; Itemization of the alleged balance ( principal, interest, and fees ) ; A copy of the signed agreement or contract creating the obligation. 

Absent such validation, you are required to immediately cease all collection activity and remove any derogatory information you have reported to consumer credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Failure to comply with this notice will result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. Furthermore, I reserve the right to initiate a civil action against XXXX XXXX XXXX XXXX XXXX for statutory damages, costs, and attorneys fees pursuant to federal and state law. 

This notice is provided to you in good faith and shall be deemed sufficient evidence of your receipt of my demand to cease and desist under applicable law. 

Govern yourselves accordingly. 

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 non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.

Complaint narrative:
b'I am XXXX XXXX  and this email is in regards to a transaction of XXXX from XXXX  to XXXX  which are eventually cancelled by Remitly  on XXXX XXXX XXXXand transaction Reference number is XXXX XXXX XXXX XXXX. For which refund was pending and after doing several attempt to contact XXXX  to get thisrefunded on timely was fail to Organise refund on time and leading me to launch a formal complaint with Remitly on XXXX  of XXXX  regarding which I got first email from Remitly on XXXX of XXXX  acknowledgement of complaint and following that after two days I got a email Remitly mentioning that they have my funds with them but they were unable to refund back to my bank and ask me for providing my bank details for a manual refund which I did same day and asked me do wait for XXXX  days to get the refund but now its been a month to that and I havent got my refund yet I did at least XXXX  emails after that and didnt got any revert for any of it not even a one single email which stays very unprofessionalism of Remitly and XXXX  sense of responsibility among their customers. I also tried contacting Remitly over the phone and every single time I have been told to wait for XXXX  hours to get the refund and a call back from Remitly and never got my refund and never got any call from XXXX  I waited On call XXXX  frustrating mentally stressing also financially disturbance I am having financial hardship and I clearly mentioned it with previously as well that I urgently need this funds but privately never ever did their due intelligence causing significant financial distress.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Entrata Inc.
State: OH

Complaint narrative:
An rental agreement account in the amount of {$640.00} was opened without my consent nor knowledge on XX/XX/year>, according to my XXXX account. I have disputed with the credit report company. I am trying to get this removed before I need to get authorities involved. There were no documents authorized with my signature, nor have I ever worked with or requested services from this company. This is a fraudulent situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> I happend to look at my credit report and noticed a new account popped up in the name of XXXX credit this account came out of nowhere I dont know how it got in my credit report, come to find out it was an fraudulent and unauthorized account that was opened using my credentials Ive tried everything with the creditor responsible for extending the credit but they wont or will not remove the account from my report Ive explained to them plenty times that the account is not mines but they suggested I pay the debt which is crazy

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding an inaccurate late payment reported on my credit report by Self Financial/XXXX XXXX XXXX I have disputed this late payment multiple times directly with the credit bureaus XXXX XXXX and XXXX and the creditor, requesting verification and correction under the Fair Credit Reporting Act ( FCRA ). 

Despite providing a detailed dispute letter citing my rights under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), the late payment remains inaccurately reported. The furnisher has failed to provide sufficient documentation to verify this late payment as required by law. 

This late payment is unfairly damaging my credit score, and the credit bureau has not complied with their duty to conduct a reasonable reinvestigation. I request the CFPBs assistance to ensure my credit report is corrected promptly and accurately. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. XXXX account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

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 2025-08-26 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: IL

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. XXXX account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

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 2025-08-26 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I never received my miles for opening and spending the amount for the promotional miles. I have written the better business bureau and they have been unresponsive.

Company response to consumer: Closed with explanation