vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nExperian\XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute  Unauthorized Hard Inquiries  FCRA & Metro 2 Compliance \nDemand\n \nTo Whom It May Concern,\n\nThis is a formal dispute under the Fair Credit Reporting Act (FCRA) regarding unauthorized hard inquiries appearing on my consumer report. The inquiries in question do not meet the FCRAs permissible purpose standard under:\n\nFCRA  604(a)(3) [15 U.S.C.  1681b]  No person may access a consumer report without a permissible purpose, such as a consumer-initiated credit transaction.\n\nFCRA  607(a) [15 U.S.C.  1681e(a)]  Credit reporting agencies must maintain strict \nprocedures to ensure inquiries are made only for legitimate purposes.\n \nThe following inquiries are unauthorized and unverified, and I demand their immediate deletion:\n \n \n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn \n \nAs per Metro 2 Compliance Guidelines, any inquiry that lacks a valid, documented permissible purpose initiated by the consumer must be suppressed and deleted under the Inquiry Type Code H (Hard Inquiry) if disputed.\n\nAdditionally, your continued reporting of these inquiries after my dispute constitutes:\n\nWillful noncompliance under FCRA  616 [15 U.S.C.  1681n]  Subject to statutory \ndamages of up to XXXX per violation.\n \nNegligent noncompliance under FCRA  617 [15 U.S.C.  1681o]  Liable for actual \ndamages, court costs, and attorney fees.\n \n\nACTION REQUIRED:\n \n1. Delete all unauthorized inquiries immediately.\n\n2. Provide written confirmation of deletion.\n\n3. Include the name and permissible purpose used by the furnisher for each inquiry, as \nrequired by FCRA  609 [15 U.S.C.  1681g].\n\nIf these inquiries are not removed within 15 days, I will file formal complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the Office of the State Attorney General, and I will pursue civil legal action under FCRA  616 and 617.\n\nYou are now officially on notice. Noncompliance will result in further legal escalation.\n\nSincerely,\n\nXXXX XXXX\n\nCopy of ID and Utility Bill'

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 2025-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/scrub> 2025 I cancelled my membership from XXXX because they never delivered medication to me after charging me {$210.00} for the medication. I requested a refund because it took a month for them to communicate a delay with me, so I cancelled my membership on XX/XX/XXXX and received an email confirming the cancellation. They were able to provide a refund of {$210.00} after weeks. Then I get a charge at the beginning of XXXXfor the membership of {$130.00} that I did not authorize. I had tried to email them multiple times to request a refund and was not hearing back. I called multiple times and would wait on hold but the phone line would click and hang up on me after 30 minutes to an hour of waiting. So I went to my bank to try to dispute it and they didnt side with me and reversed the credit. I reached out to my bank, Wells Fargo and they suggested I reach out to XXXX. So I reached out to XXXX customer service XXXX  after a few days of calling I was finally able to get through. I spoke with customer service and it was suggested I email XXXX  support the screenshot of when I had cancelled my membership. I asked how long it would take and wasnt given an answer and was told they cant do anything about it and didnt have any access only an escalation team did which they did not have a contact number only the email I was given to send the screenshot. I emailed the screenshot to XXXX support and I have heard nothing back. I have been emailing them everyday and no response. As I see time passes by they are becoming more difficult to reach.

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 2025-05-29 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: NV

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. As this constitutes a strict violation of FCRA laws, I request that the items be removed from my file. 
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 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 2025-05-29 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. As this constitutes a strict violation of FCRA laws, I request that the items be removed from my file. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against XXXX for their continued failure to address this matter appropriately. 

Account in Question : Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX  Balance : : {$11000.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with XXXX s, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Netspend Corporation
State: AR

Complaint narrative:
My XXXX prepaid card was stolen and charges totaling {$2800.00} was taken from my account unauthorized. I filed a dispute on XX/XX/year>. I was told to write a letter requesting a provisional credit while an investigation be conducted. I am writing this complaint requesting that this dispute process be governed for constructive fraud. I wanted to submit this complaint before I submitted my letter to this company requesting a provisional credit.

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 2025-05-29 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: AZ

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 - 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: GA

Complaint narrative:
XXXX XXXX XXXX # 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 XXXX XXXX ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: AZ

Complaint narrative:
I call Comerica Bank about charges that were put on my card that I did not do Comerica Bank in turn after XXXX or 8 Days credited my account with the money. Then two weeks later they took half of the money back although they knew that I did not do the charges. They told me that I waited past the 60 days to file the complaint which I explained to them when I initially filed the complaint that I did not notice it until I wrote my daughter oh check that she bought me from the bank to pay her light bill and there was not enough money in my account when it should have been over XXXX XXXXXXXX dollars in there and that's what I discovered someone had been charging hotel rooms to my account is for back as XXXX of last year XXXX. They allowed me to file for the charges that were put on there that they were fraudulent all the way back to XXXX which I found this and I believe it was late XXXX early XXXX I don't remember so I received {$1200.00} back but they charged me {$510.00} saying that although I did not make the charges per their investigation that I have to eat {$510.00} I refuse to give away {$510.00} when I did not make those charges and I am furious so I want something to be done I want my money back XXXX XXXX XXXX daughter that was XXXX XXXXXX/XX/XXXX and I have her XXXX children a XXXX son and a XXXX XXXX XXXX son that I have to take care of and now the XXXX XXXX XXXX doesn't have a mother or father they both have been XXXX so I have to take care of him the XXXX 's father is in prison for life or murder and the little girl was XXXX knows whose child but now they're all my children and I definitely need my XXXX. Please help me to handle this situation amicably

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GA

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 XXXX XXXX. Service Loans & 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 XXXXXXXX XXXX  # XXXX * * * ] [ XXXX XXXX XXXXXXXX * * * * ] has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-05-29 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:
I am writing to file a complaint against Experian regarding the removal of an account on my credit report. The account in question has not been properly verified, and the reinvestigation conducted by Experian was incomplete. This is a violation of the Fair Credit Reporting Act, specifically under Section XXXX. 
Date of Initial Dispute : XX/XX/year> Account Information : Creditor Name : XXXX XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Description of Issue : account inaccurately I have previously disputed the accuracy of this account with Experian, and despite their obligation to conduct a thorough reinvestigation, they have failed to provide adequate verification and continue to report this account inaccurately. This has caused significant harm to my creditworthiness and financial standing. 
I kindly request that the CFPB investigate this matter, hold Experian accountable for their non-compliance with the law, and ensure that this account is either verified properly or removed from my credit report. 
Thank you for your attention to this matter. Please let me know if you require any further information from me. 
Sincerely, 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 2025-05-29 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-05-29 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: WA

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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