vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
This response is in follow-up to my formal complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year> ( complaint # XXXX ), regarding a disputed collection account reported by XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

You have stated that the account has been verified as accurate. However, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I have the legal right to request a description of the procedure used to determine the accuracy and completeness of the information. 

Accordingly, I am requesting that Experian provide the following information within 15 days of receiving this notice : 1. A detailed explanation of the method of investigation used to verify the disputed account.

2. The name, business address, and contact phone number of each party or entity you communicated with in the course of your investigation.

3. Copies of all documents, records, or written communications used to verify the account, especially any bearing my signature or that clearly demonstrate I authorized or opened this account.

4. Documentation establishing the account is valid and not the result of fraud or identity theft. 

If you are unable to provide the requested information and verification within the specified timeframe, you are obligated under the FCRA to remove the account from my credit report. 

This request is being made in good faith and in accordance with my rights under federal law. Failure to comply may be interpreted as willful noncompliance.

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 2025-05-08 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: CA

Complaint narrative:
Theres an account showing up on my credit report that I have zero connection to. I dont recognize it, I never opened it, and I have no idea why its tied to my name. This looks like a clear case of mixed or incorrect data and it should not be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
About a year and a half ago my zelle account with my XX/XX/XXXXXXXX XXXX was suspended out of nowhere. I contacted my bank several times to try to get information as to why it was suspended and I was always told that zelle was responsible for the closure. When I contact zelle customer service they tell me that my bank was the one that closed the account and I can not reopen it, but neither of them give me a clear answer as to why and it's very frustrating. Before this happened I used to use zelle regularly to pay for my rent, send money to family that needed it, pay back friends for anything I borrowed and for split bills and now I can't do that. I was never given a clear explanation as to why this happened and they won't even let me speak to someone about getting it unsuspended and I need it because I can't keep going to atms to take out money and travel across town to pay my rent and other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: NJ

Complaint narrative:
i reached out to wisely to dispute a few of charge i saw in my account date back XXXX of a bunch of unauthorize charges from my prepaid card a total more than what they actually provided me. they put XXXX i disputed them on XX/XX/XXXX i have told them i don't have any account with this company that's charging my card they replied they found no error, and they won't refund me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX CONT - TAR * * * XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXX - XXXX * * XXXX - XX/XX/XXXX - {$140.00} UNAUTHORIZED MEDICAL BILL - XXXX * * XXXX - XX/XX/XXXX - {$1200.00} UNAUTHORIZED MEDICAL BILL - XXXX * * XXXX - XX/XX/XXXX - {$1000.00} UNAUTHORIZED MEDICAL BILL - XXXX * * XXXX - XX/XX/XXXX - {$1400.00} UNAUTHORIZED MEDICAL BILL - XXXX * * XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$1800.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-05-08 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: CA

Complaint narrative:
I was looking at my credit report and saw 2 account that was open fraudulently. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: PR

Complaint narrative:
Complaint # XXXX They responded that they were working on it. 
Complaint # XXXX They stated that they were working on it. 
XXXX days after on XXXX XXXX they sent the attached letter again. No solving the issue and leaving the account on my credit report. This bank did not verify my Identity when they open this account. Furthermore, this account if it was paid for a length of time. It was paid with a fraudulent account that was open with XXXX  XXXX XXXX. This bank has no reputation when have not look into this matter. I contact XXXX  XXXX XXXX for the fraudulent account that was open on my name and they provided me this information. So, what investigation they have none. No investigation as far as I am concern. They should be pay for all the suffering the have cause me. 
Now I have a debt collector calling me and leaving message since they put my account in collection. When they stated on the letter dated XXXX XXXX that there was not collection.I want XXXX XXXX to do their job and investigate. They do not give any explanation of why it is correct. That I am responsable for this account. I have giving them a Police Report and a FTC Report they still state that the account is mine. They are violation all my rights.

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 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter serves as an official demand for the immediate and permanent deletion of all unauthorized, fraudulent, or otherwise impermissible credit inquiries made to my consumer credit reports. These inquiries were made without my consent, without permissible purpose, and in direct violation of federal law. 

I am demanding the IMMEDIATE deletion of the following hard inquiries from all three credit bureaus ( Experian, Equifax, TransUnion ) : [ List all unauthorized inquiries here, including the name of the inquirer and date if available. Example : ] XXXX  XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Credit XX/XX/XXXX XXXX XXXX  XX/XX/XXXX You are in direct violation of the following federal laws : Fair Credit Reporting Act ( FCRA ), XXXX U.S. CXXXX XXXXXXXXb ( f ) : It is illegal to access a consumer 's credit report without a permissible purpose and explicit authorization from the consumer. 

FCRA, XXXX U.S. CXXXX XXXXq : Any person who knowingly and willfully obtains a credit report under false pretenses is guilty of a federal offense. 
/ FCRA Civil Liability, XXXX U.S. CXXXX XXXXn and XXXXo : You are liable for statutory and punitive damages, attorneys fees, and court costs for any willful or negligent noncompliance with the FCRA. 

These inquiries were made without my permission and have negatively impacted my credit score. I did not initiate, authorize, or consent to these inquiries. You are therefore instructed to : Permanently remove all unauthorized inquiries from my credit report immediately. 

Cease and desist from any further access or reporting of my credit file. 

Provide written confirmation of the removal within 15 calendar days of receipt of this letter. 


Failure to comply will result in immediate legal action and formal complaints filed with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Georgia Attorney General 's Office Civil litigation in federal court for damages and injunctive relief This is a final notice. If you are reporting inquiries made without my consent, you are in violation of federal consumer protection laws, and I will pursue all remedies available to me under law.

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 2025-05-08 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: PA

Complaint narrative:
b'I am writing to formally dispute the accuracy of information reported on my credit report, as it appears to\nviolate my rights under the Fair Credit Reporting Act (FCRA), 15 USC 1681. Specifically, the\ninformation provided does not meet the legal requirements of accuracy and verification outlined under 15\nUSC 1681i(a).\nThe following account(s) have been inaccurately reported or remain unverifiable:\n1. The following personal information is incorrect\nPrevious Address(es)XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. The following personal information is incorrect\nEmployers: XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

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 2025-05-08 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act, account XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX, ACCOUNT NUMBER XXXX, XXXX XXXX, ACCOUNT NUMBER XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. states, I have the right to privacy.

15 U.S.C 1681 section 604A SECTION 2 : it also states a consumer reporting agency can not furnish a account without my Written Instructions.

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
This is NOT a request for verification or proof of my address, but a request for Validation made pursuant to 15 USC 1692g Sec 809 b of the FDCPA. I respectfully request that your office provide me with competent evidence that I have a legal obligation to pay you. This includes : A breakdown of the total amount due, showing principal, interest Send me history of payments made on this account Signature that I put on contract guaranteeing that I would pay this creditor Has there been any insurance claim filed on this debt Proof you have the chain of title to collect on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
This is NOT a request for verification or proof of my address, but a request for Validation made pursuant to 15 USC 1692g Sec 809 b of the FDCPA. I respectfully request that your office provide me with competent evidence that I have a legal obligation to pay you. This includes : A breakdown of the total amount due, showing principal, interest Send me history of payments made on this account Signature that I put on contract guaranteeing that I would pay this creditor Has there been any insurance claim filed on this debt Proof you have the chain of title to collect on this debt

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 2025-05-08 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX Experian XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XX/XX/year> Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/year> I deposited a check and was told I would get {$220.00} on the XXXX and the remaining funds would be released on the XXXX. 
XX/XX/year> they told me its a XXXX  day hold on the remaining funds and they refused to give me a reason why it was being held by security and refused to give me anything in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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 have sent proof of my identity and all inaccuracies with supporting documents to EQUIFAX, TRANSUNION & EXPERIAN. The following documents were Drivers License, Social Security Card, FTC report, Police Report & I am now contacting the CFPB because no correspondence nor corrections have been made to my credit reports.

I have sent Certified letters via USPS mail with signature receipt multiple times to all three companies. The first time on XX/XX/year> with no response, and the second time on XX/XX/year>, again with no response or update to my credit profile/report. 

The following reports were also submitted to these credit companies : XXXX XXXX Police Department Report Number- XXXX XXXX XXXX XXXX XXXX Report Number - XXXX FTC Report Numbers- XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$140.00} Open Date XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$990.00} Open Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX VIA DEALER Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NJ

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