vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I received an email regarding {$250.00} cash bonus for a new checking account from E-trade at XX/XX/year>. The checking account was open at XX/XX/year> online and made XXXX direct deposit on XX/XX/year> and XX/XX/year>, {$1000.00} each. Based on my best knowledge of the Terms & Conditions, very sure that I meet all the requirements, however I was told I'm not eligible for the cash bonus just because the money was withdrawal very soon after the direct deposit. Actually it's not said on the promo page that how long the money should be kept in the account. So I believe I'm eligible for the the cash bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-12 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: AL

Complaint narrative:
On Wednesday, XX/XX/XXXX, I gave XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX my permission to do a soft pull of my credit to see if theres any way I could qualify for a loan for a vehicle. My husband and I have faced significant financial hardship over the last 3 years and it has hurt our credit significantly. XXXX assured me it was a soft pull that would not show up as a hard inquiry on my credit report and damage my ability to get a vehicle loan any further. I did not sign anything consenting to a hard inquiry on my credit. I got an alert after I left that it was in fact a hard inquiry and has hurt my credit even further. What makes this even worse is that he did not even submit my information to a lender, so it looks like I was denied credit when I never even applied for it. He actually recommended that I file for Chapter XXXX bankruptcy and then come back and see him and he could get me in a vehicle with no problem. He told me that he goes to the courthouse and waits on fresh bankruptcies to have a new list of potential clients. He told me his brother maxes out thousands of dollars in credit cards and files a new bankruptcy every XXXX years. Hes giving out dangerous financial advice when he clearly isnt qualified. If he was qualified to give that kind of advice, then he would know I dont qualify for a chapter 7 bankruptcy and I actually have to pay my debt. He lied to me about the credit inquiry, which is now further hurting my chances to get a vehicle during a time when my family so desperately needs one, and he openly admitted to preying on consumers who have just filed bankruptcy while also encouraging me to commit fraud every XXXX years. I want the hard inquiry removed from my credit report. I did not sign any documents consenting to this inquiry. I am already struggling and this mans dangerous and deceptive business practices made it even worse. I have already tried filing a dispute with the credit bureau and XXXX XXXX XXXX XXXX XXXX responded that it was a legitimate inquiry. I demand a copy of the document with my wet signature authorizing a hard inquiry on my credit. I know that no such document exists, and this needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
repeated phone calls, used abusive language ) Electronic communications ( text message, email, social media ) Attempts to collect debt not owed ( debt was paid, discharged in XXXX permanently & total XXXX discharge due to function of adult being XXXXXXXX XXXX, result of identity theft XXXX was owed by a deceased family member ) I was kidnapped on XX/XX/year>, became a Title XXXX Victim and fell victim to identity theft through XXXX XXXX, XXXX XXXX and XXXX XXXX as well as XXXX XXXX and XXXX XXXX have disrupted not only XXXX XXXX market, the XXXX too. 
This information was hidden by XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX who have ruined many other peoples lives too with their vicious acts of lies and deception. 
XXXX is herby listed on the report as Identity Theft suspect which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: AL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-04-12 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: AL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: AR

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address 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. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account is not validated. Also this is a third party that is posting late pays currently Filed a police report 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
This creditor closed my account XX/XX/year> due to them going bankrupt. I have had general customer service issues since this date This store card is reflecting as a closed revolving line of credit with a {$1400.00} line of credit but a balance of {$1700.00}. The current customer service supervisor XXXX can not see any history past an XX/XX/year> statement which does not reflect purchases. Upon this company going bankrupt my balance was sold or transferred ar {$1400.00}. This is causing me issues with credit and work due to exceeding credit limits and utilization. My last memory was the line of credit being {$1800.00}. I also feel this is a form of consumer abuse to report as a line of credit since it is not and due to this account being closed due to the company 's bankruptcy I'm being charged excessively high interest and " late fees '' that also can not be serviced. I have made all on time monthly payments to this account and I feel I've overpaid and suffered abuse. I was denied an important consultation loan during a hardship due to exceeding credit limit history. I can not access records and the new company " servicing '' this loan can in no way help the consumer any longer aside from adding interest and fees. I can not call for history prior to the creditor going bankrupt nor get any other assistance and this is an urgent need. The loan i was denied for I had requested through my financial institution who is also my employer and it makes me appear to lack fiscal responsibility. I have no way to confirm this prior information and nobody to assist me. I do not have the luxury of time to write to the new " servicer/payment takers ''. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
I checked my credit report and noticed some incorrect items, which is hurting my ability to get credit. This is the credit card XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
I checked my credit report and noticed some incorrect items, which is hurting my ability to get credit. This is the credit card 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 2025-04-12 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:
After pulling a copy of my Consumer credit report I noticed that TransUnion is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Inquiries : XXXX fcu Dates : XX/XX/XXXX Inquiries : XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bepensa Capital, Inc.
State: PA

Complaint narrative:
I have reached out several times to have this disputed and removed from my credit report. Everytime I dispute it they say it came back verified. No one has given my any record of how it was verified or any of the information i request. Under the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 5 ) ( 15 U.S.C. 1692e ), it is illegal for debt collectors to use deceptive or misleading practices, including attempting to collect debts when they are not licensed to do so. This is a demand for immediate action. You are required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 15 U.S.C. 1681i ) to conduct a reasonable investigation of this dispute. Failing to remove this inaccurate and unlawful reporting will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. It is against FCRA to report a charge off with a past due balance. The balance on this account has went up and down. How can the amount of a charge off keep changing. This has been on my credit report since XXXX. It is past the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-12 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: GA

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 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX following up to formally reiterate my request for the removal of the items I previously disputed on my report. Despite submitting this request several months ago, these items still appear on my account. I would appreciate an update on why this matter remains unresolved, especially given that Ive already provided all necessary documentation and supporting details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
XXXX following up to formally reiterate my request for the removal of the items I previously disputed on my report. Despite submitting this request several months ago, these items still appear on my account. I would appreciate an update on why this matter remains unresolved, especially given that Ive already provided all necessary documentation and supporting details.

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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have reached out several times to have this disputed and removed from my credit report. Everytime I dispute it they say it came back verified. No one has given my any record of how it was verified or any of the information i request. Under the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 5 ) ( 15 U.S.C. 1692e ), it is illegal for debt collectors to use deceptive or misleading practices, including attempting to collect debts when they are not licensed to do so. This is a demand for immediate action. You are required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 15 U.S.C. 1681i ) to conduct a reasonable investigation of this dispute. Failing to remove this inaccurate and unlawful reporting will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

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 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 2025-04-12 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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