vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: WA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 

Account XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
As I was in review of my credit profile I noticed that there were inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am writing to file a complaint regarding my Chase credit card. For an unknown reason, Chase has locked me out of my online account, preventing me from accessing my account details and using my card for purchases. Despite making multiple attempts to contact their customer service, I have only been told that " someone will call you within 24-48 hours, '' but I have not received any follow-up calls. 

Currently, I have a - {$310.00} balance on my card and it has been on my card for several months, and I would like to get the money back since I can't use the card. However, each time I speak with customer service, I am informed that they can not access my account to resolve the issue. I am simply requesting the return of the funds that are rightfully mine, but I am unable to get any assistance in doing so. 

I would greatly appreciate your assistance in helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX 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 AND XXXX 

Account Name : XXXX XXXX - Date XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NH

Complaint narrative:
1. Noticed a charge from XXXX XXXX for {$620.00} on my credit report. 
2. On XX/XX/XXXX I contacted the debt collector for XXXX. 
3. I was told that XXXX continued to bill my account for unauthorized charges 2 months after I changed phone carrier. I changed phone carrier in XX/XX/XXXX. 
4. My account was closed when I changed carriers in XX/XX/XXXX and yet XXXX continued to bill me for unauthorized charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: MN

Complaint narrative:
Last year I discovered that Experian had several accounts, names and social security numbers that did not belong to me on my credit report. I worked with them over several months to finally get the information corrected and a credit freeze placed on my credit for 1 year. Almost exactly 1 year later I get a credit thaw notification, which I did not initiate, and now the previous erroneous social security number and names are now back on my credit report with a new personal loan account that's not mine. I don't know how Experian is able to easily update my credit report with these additional erroneous personal information that I've already disputed and had removed. They need to fix and improve their processes to prevent this error from continuing to happen. This person with the other social security number that is NOT mine had previously had a very poor credit history which was previously on my credit report is potentially knowingly or unknowingly using my credit score to open new lines of credit. And when she ultimately fails to pay her bills it will impact my credit score, all because Experian keeps screwing up!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXXXX/XX/XXXXXXXX XXXX, XXXXXX/XX/XXXXXXXX, Citi card, XXXXXX/XX/XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX has taken several hard inquires out on all 3 of my credit reports that were unauthorized. On top of that, they did not follow the fraud alerts on all 3 of my credit reports and call me to verify it was me asking for credit. Any hard inquires that were taken out on my credit report from XXXX of 2023 to current date are fraud/identity theft. I have called you several times and I'm transferred XXXX times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/XXXX/2023 Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I am requesting that XXXX XXXX remove the credit inquiry from my credit report, as your representative clearly stated during a recorded phone call at the time of my application that the inquiry would only remain for 12 months. It has now exceeded that timeframe as of XX/XX/year>2025. 
Additionally, I would like to address an error regarding the age of my credit, which is currently being reported inaccurately and needs to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I am requesting that XXXX XXXX remove the credit inquiry from my credit report, as your representative clearly stated during a recorded phone call at the time of my application that the inquiry would only remain for 12 months. It has now exceeded that timeframe as of XX/XX/scrub> 2025. 
Additionally, I would like to address an error regarding the age of my credit, which is currently being reported inaccurately and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: WI

Complaint narrative:
There are several fraudulent purchases from XXXX on my discover credit card. I reported this as fraud to discover and at first they removed the fraudulent charges, and they accidentally removed a charge that I did make. I informed them of this and that charge was removed from the fraud complaint. Discover found that someone Ive never heard of used their XXXX account and made several purchases with my credit card. I DID NOT AUTHORIZE THESE PURCHASES AND DO NOT RECOGNIZE THE NAME OR EMAIL ADDRESS ASSOCIATED WITH THESE PURCHASES. Discover then charged all the fraudulent purchases back to my card. Stating that because Ive shopped at XXXX before, I must be lying. They state that the merchant states the items were delivered to my house. I DID NOT order these items and they WERE NOT DELIVERED to my house. I want to file a police report, but discover is now refusing to provide me with the name and email address that they know is associated with the fraudulent charges ( and it is not mine! ) I have provided discover with my entire XXXX purchase history so they can see I never placed these orders and they still dont believe me. They keep saying I must provide more evidence or they wont look into it further there is no evidence of orders I never placed. I dont know what else to do. I have been a LOYAL customer to discover for over 10 years, largely due to their advertised claim that you are never responsible for unauthorized purchases on your discover card and their XXXX liability guarantee. They should not be allowed to advertise this, as they do not stand behind it. I have spent XXXX with discover over the years, and would not be lying about XXXX dollars. These purchases were fraudulent and I desperately need help to get them reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
HIPAA Violation Dispute Unauthorized Disclosure of Medical Debt Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a dispute regarding a potential HIPAA violation related to the reporting of my medical debt by [ Collection Agency Name ] on my credit report. My protected health information ( PHI ), including details of my medical treatment, appears to have been improperly shared with a third-party debt collector without my authorization or a valid HIPAA-compliant release .

Under the Health Insurance Portability and Accountability Act ( HIPAA ), medical providers and their business associates are required to safeguard patient information. The disclosure of my medical debt to a third-party collector and subsequent credit reporting may constitute a violation of HIPAA privacy rules, as well as potential Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) violations.

I request a full investigation into this matter and the removal of this debt from my credit report if it was obtained or reported unlawfully. Please provide confirmation of your review and any corrective actions taken. 

Letters to the credit bureaus were sent in XX/XX/year> for the amount of {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
Please promptly eliminate the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and do not know their origins. As per USC 1681g, I formally request their removal within 15 days. Relevant documents are enclosed for your examination. Furthermore, each bureau reports varying account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
I am Filing this complaint because PayPal has restricted access to funds I hold in cryptocurrencies within my account, and I have been unable to transfer them to another wallet or withdraw them. Initially, PayPal informed me that my funds would be available for transfer of withdrawal after 180 days. However, despite this period having elapsed, every attempt I make to withdraw of transfer the funds through PayPal 's website of mobile app results in an error message stating there is an issue with the application and that I should try again later. I have contacted PayPal 's customer service twice about this matter. On the first call, I was informed that I needed to contact their English-speaking customer support line. During my second call with their English-speaking customer service, I was told I had to wait even longer without any clear reason of resolution provided. Due to these persistent technical issues and conflicting information provided by customer support, I am unable to access my cryptocurrency funds, and Paypal has not offered an adequate solution or explanation.

Company response to consumer: Closed with explanation