vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: NJ

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need.

Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provide. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CT

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXXXXXX XXXX for continuing to report a XXXX tradeline to Experian every month, despite my submission of an FTC Identity Theft Report, a police report, and supporting documentation proving that I was not the responsible party for the account in question. This XXXX  account has significantly XXXX my Experian XXXX XXXX, which dropped from XXXX to XXXX. 

On multiple occasions, I have requested XXXX remove or suppress this account under the FCRA ( Fair Credit Reporting Act ), XXXX XXXX. XXXX, which mandates that consumer reporting agencies must block fraudulent information upon receipt of proper documentation. I provided all required documentation and yet, XXXX has refused to cooperate or conduct a meaningful investigation. 

Additionally, XXXX has ignored my goodwill request to remove the account as a courtesy, despite the identity theft status, and continues to furnish XXXX data, in violation of FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits a data furnisher from reporting information it knows or has reasonable cause to believe is inaccurate. 

I also requested that the credit bureau ( Experian ) provide me with the method of verification as required under FCRA XXXX ( a ) ( XXXX ), but I never received a detailed response. This is a procedural violation of my rights. 

XXXX : XX/XX/XXXX Identity theft occurred. 

XX/XX/XXXX I submitted my FTC and police reports to both XXXX and Experian. 

XX/XX/XXXX to present XXXX continues to update the account monthly as 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 2025-06-09 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: Kikoff Inc.
State: TN

Complaint narrative:
I have thoroughly reviewed my credit report and noticed several inaccuracies, and unauthorized account/information reporting to my credit, and I can confirm that I did not authorize these transactions. These remarks have been detrimental to my life and credit health. I have the right to dispute any information that is inaccurate or unverifiable, according to the ( FCRA ). I have already contacted the original creditor who pulled my credit report and filled a dispute with them as well. I kindly request that the CFPB investigate this matter and take action to ensure KIKOFF LENDING LLC complies with federal law and remove this account immediately from my credit report as it do not belong. According to the Fair Credit Reporting Act ( FCRA ) section 1681, it is illegal to report anything to my credit report without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
Improper use of your report. Fraud reported in XX/XX/year>. Inquiries need to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I filed a dispute with my bank regarding a debit card refund that was never posted to my account. The merchant ( XXXX ) issued the refund, but it failed to reach my account. I notified my bank and followed all procedures. They processed the claim under Visas Credit Not Processed reason code ( XXXX ), but refused to issue a provisional credit or acknowledge that this falls under Regulation XXXX. 

According to XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( vii ), a failure to properly credit a consumers account with an electronic fund transfer is a covered error. Regulation XXXX mandates a timely investigation and provisional credit within XXXX business days. 

The bank has now gone weeks without responding to my follow-up emails, and I have not received provisional credit, an investigation status, or any resolution. This is a clear violation of federal law, and I am requesting CFPB assistance to ensure compliance and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My loan servicer was transferred to Nelnet in XXXX. I was not given proper notice my previous servicer or Nelnet that this occurred. While studen loan payments were halted for a period of time, they resumed in XXXX and my account quickly became delinquent, but I had no idea until my credit score dropped.

Nobody told me my servicer was changed and that autopayments would be nullified. I have contacted Nelnet twice to ask them to please update their credit reporting on my account, given the circumstances and considering I am now up to date, but they refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Capital One Subject : Formal Dispute of Alleged Debt and Request for Validation under XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : This letter is in response to a collection notice received on [ insert date of first notice ] regarding an alleged debt claimed to be owed by me. I am writing to notify you that I dispute the validity of this debt in its entirety. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ), I request that you : Provide written validation of the debt, including : The exact amount of the alleged debt ; The name and address of the original creditor ; A copy of any documentation bearing my signature or showing I agreed to this debt ; Proof that your company is legally authorized to collect debts in the state of Georgia. 

Cease all collection activities, including calls, letters, and credit reporting, until full debt validation has been provided. 

Please note that any failure to respond to this request while continuing collection efforts will be considered a violation of the FDCPA. I also request that no information regarding this disputed debt be reported to any consumer reporting agency until validation is completed, and if it has already been reported, that it be marked as disputed by consumer. 

Please respond by mail only to the address above. This letter is sent in good faith and is intended to preserve my rights under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I applied for a credit card because there was a promotion that advertised if I spent {$1000.00} tin less than 90 days I will obtain {$200.00} rewards. I spent {$1000.00} in 40 days but I never got the {$200.00} rewards. The Bread cashback credit card from XXXX XXXX is the one that I experienced this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX APT XXXX XXXX TX XXXX ACCOUNTS : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX 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 2025-06-09 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
XXXX. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : 1. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries and have contacted both TransUnion and Equifax to dispute them. Unfortunately, both credit bureaus have refused to remove the inquiries or assist me further. 

These hard inquiries are negatively impacting my credit score, and I am deeply concerned about the possibility of identity theft or misuse of my personal information. I am requesting that the CFPB investigate this matter and help ensure that my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

I have included relevant documentation with this letter, including copies of my credit reports and correspondence with the credit bureaus. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I am the Defendant in a civil case with XXXX XXXX. I contacted XXXX XXXX regarding this case and was informed they no longer have the account. The account now belongs to Aldridge, Pite, and Haan, a third-party company to which they assigned or sold the debt for collection purposes. I've requested proof of ownership, debt validation, the original signed agreement, and the chain of assignment from Aldridge, Pite, and Haan using code 15 U.S.C-1692g. The civil suit was filed XX/XX/year>, for amounts of {$4700.00} and {$4300.00}. I've contacted XXXX XXXX several times when I noticed fraudulent activity on the accounts to report identity theft and improper ownership of this debt to XXXX XXXX. I also reported identity theft to XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-06-09 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and they have got into the hands of the wrong person.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have all my notifications turn off on my Experian account. I keep receiving emails from them without an " unsubscribe '' link anywhere in the email. I have tried following the steps listed at XXXX XXXX XXXX. All emails from Experian are spam.

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 2025-06-09 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute it. If you believe you sent proper notice, please provide Certified mail with receipt displaying my signature. If not, please delete this account from my consumer report as soon as possible or I will be forced to take legal action against your company for illegally using my personal information to your advantage to make money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PLS GROUP, INC
State: AZ

Complaint narrative:
XX/XX/XXXX {$420.00} was removed from account other removed funds transactions XXXX I told pls bank about it and rep said it was someone inside the pls bank who removed funds and were able to remove funds there are missing payrolls payments missing from my account pls does not allow me access to my own bank statements XXXX  I requested my bank statements to be mailed to me representative said they are not able to do that was sent false edited amd incorrect bank statements money and many transactions that i did not authorize has accured on my acoount I told my bank they said there is nothing they can do and denies any wrong doing I am aware that i past the 60 notice I was never told nor notified about any of missing payments and unauthorized transactions in my account. 
I out and figured out on my own because my deposits and what was left in my account was not accurate

Company response to consumer: Closed with monetary relief