vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I had half of my check being deposited into this account to help me with relocation. After I had saved up about {$1300.00} I went to my account to see if I could do an instant transfer to my external bank account so I can get a money order to give to the landlord for security deposit. There was no money. All the money had been used via XXXX XXXX which was not authorized. Some of these charges were even still pending. So I had to wait for the pending charges to actually settle as posted and then I did a dispute and explain to the representative that I dont use and never have used XXXX XXXX I always use instant transfers. It has always been this way since my 10+ year tenure with them. I only do Instant transfers and XXXX XXXX. She said she would notate and within 10 days I should receive my money since I reported these transactions in a timely matter and could see that XXXX XXXX has never been used on my account. This was on XX/XX/XXXX. Today ( XX/XX/XXXX ) I went in my app to see that my dispute was closed as of XX/XX/XXXX ( yesterday ) and no money was given back. No alert, email, text messages or notification of any kind was given about the dispute nor about the transactions at any time!!! So now they are basically telling me Im just out of money that I worked hard for!!! Then it states that a reason for my denial will be given on XXXX!!! Thats over 2 months from now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-19 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-19 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-19 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: FL

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous anxiety and stress it's causing me.

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 2025-05-19 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
XX/XX/year> - Money Order Purchased at XXXX XX/XX/year> - Money Order Deposited at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Funds Made Available XX/XX/year> - Money Order placed on hold. Flagged as altered/fictitious XX/XX/year> - Money Order was cashed as per conversation with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Spoken with XXXX at XXXX later date ) XX/XX/year> - Refund request from Western Union was not approved. Stated cashed. 
Along with a subsequent request with similar results on XX/XX/year>. 

XX/XX/year>- XXXX XXXX denied claims of cashing the Money Order or any wrong doing from multiple secured emails. I've saved those emails in pdf format. 

XX/XX/year> - Initial contact with XXXX on the phone XX/XX/year> - Called Western Union as instructed by XXXX XX/XX/year> - Follow-up with Western Union to find out where the email to be notarized was. 

During this whole ordeal. XXXX was the only out of the XXXX that reached out to me directly over the phone to help me. XXXX reviewed their security footage and stated nothing unusual was occurring at their store and made calls to Western Union on my behalf. Western Union stated the Money Order was cashed on XX/XX/year> and instructed me to contact them myself. 

I made multiple calls to Western Union prior to speaking with XXXX. Those calls proved fruitless. The reps appear to misinform and is undertrained. After that call with XXXX, again contact was made to Western Union, spoke to a phone rep name XXXX after being transferred through XXXX others. She emailed me the returned money order image and mentioned another document would be sent to be notarized. That email never arrived. The follow-up was made and now the rep on the phone made me tell my whole situation again and to go online to get a document to be notarized. Which is XXXX! They basically gave me the run around and refused to let me speak to their XXXX. I'm frustrated and angry with Western Union at this point from their incompetence and misinformation. 

I'm running out of patience and resources in getting to the bottom of this. I just want my refund back. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to express my serious concern regarding Equifaxs failure to properly investigate the unauthorized inquiries I recently disputed. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally required to conduct a reasonable investigation of any information I dispute. Responding to my dispute within 24 hours without a thorough review is a clear violation of this right.

If these fraudulent inquiries are not removed immediately, I intend to pursue legal action. Please be advised that I will be seeking damages of {$1000.00} for each unauthorized inquiry that remains on my report, as permitted under FCRA ( 15 U.S.C. 1681n ).

This letter serves as formal notice of my intent to sue if this matter is not resolved promptly and appropriately. 

XXXX XXXXXXXX XXXX XXXX XXXX I submitted my dispute on a Sunday evening and in less then XXXX hours it was resolved with no change. There is no way it was properly investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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 2025-05-19 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: FL

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
Account XXXX XXXX XXXXs # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide " Certified Mail '' with recipient displaying my signature. If not please delete account # XXXX as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Ive tried disputing the inaccurate information these accounts are not mine this is fraudcharge off .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb/care credit 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 2025-05-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX  Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$0.00} Credit Card Opened by the XXXX XXXX or Organization : XXXXXXXX XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$300.00} Fraudulent Mobile Phone Account Company or Organization : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$750.00} Fraudulent Auto Loan or Lease Company or Organization : santander Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$22000.00}

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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: WY

Complaint narrative:
Just received a phone call from a collections company named XXXX XXXX management collections. This is for a debt from a Dr I did not see in a state I have never been to by a facility I have never been to ER and to a hospital with the same name I had XXXX at but again completely different state. The amount they claimed isnt anything the matched what my bills were. They somehow knew the date of my XXXX to reference my date of care. My bills were completely paid by my insurance as my deductible was already met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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 2025-05-19 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: CA

Complaint narrative:
Im writing in regard to an account currently listed on my credit report. Im requesting that you certify all the data tied to this account as belonging specifically and solely to me.

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My claim was denied and I did not authorize transaction. Offered a copy of police report and claim was still denied. I did not authorize this!!

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 2025-05-19 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: TX

Complaint narrative:
I am filing a follow-up complaint # XXXX regarding the reporting of a charged-off XXXXXXXX XXXX XXXX  account with a balance of {$970.00}. XXXX has confirmed that the account was charged off on XX/XX/year>, and no Form 1099-C was issued because the debt was not settled. However, the continued reporting of this account raises multiple concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ), specifically as it relates to the accuracy, completeness, and substantiation of the reported debt.

Under 15 U.S.C. 1681i ( a ), I am entitled to dispute any information I believe is inaccurate or incomplete. A charge-off is an internal accounting term, and it does not necessarily reflect a legally enforceable or collectible debt. XXXX  response did not provide any validation of the debt, such as a signed contract or accounting of the charges. Simply stating the account was charged off is insufficient to validate the current debt status, particularly when XXXX claims it no longer services the account and has passed it to a third party ( XXXX XXXX ). 

Furthermore, under 15 U.S.C. 1692g of the FDCPA, if a debt is in collection, I have the right to request proper validation from the current collector. XXXX did not provide the contact history or transfer documentation showing that the alleged debt was legally assigned or sold to XXXX XXXX. This omission raises concerns about chain of custody and legal ownership of the debt. 

Additionally, the FCRA requires that information furnished to credit reporting agencies must be complete and accurate. Reporting a charged-off balance that may no longer be collectible and doing so without providing any documentation or consumer disclosures ( like a 1099-C ) may be considered misleading and detrimental to my credit profile. The lack of documentation and clarity about the legal standing of the debt creates an unfair and confusing situation for consumers trying to resolve legitimate credit disputes.

I am requesting that this account be removed from my credit reports with all bureaus unless the furnisher or collector can provide : 1. A copy of the original signed agreement ; 2. A detailed accounting of the balance due ; 3. Documentation that confirms the debt was legally transferred or assigned to XXXX XXXX ; and 4. Proof that the continued reporting of this account complies with IRS requirements, FCRA standards for accuracy, and FDCPA validation rules. 

If the creditor or collector is unable to fully validate the account or confirm legal ownership and enforceability, then the account should be removed from all credit reports as inaccurate, unverifiable, and potentially misleading.

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