vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I originally contacted Equifax on XX/XX/XXXX due to troubles logging into my account. 

I first went through the online procedure, as the excessively mention during the call wait, and kept running into errors. 

After quite a wait, I was finally able to speak with an agent on the phone. I verified my identity and they went through multiple troubleshooting with me in an attempt to get me back access to my account. None of them worked. 

I was then told that they were going to escalate this to their tech department and I would receive an email within 48 hours letting me know it is resolved and I could then log in. 

It is now XX/XX/XXXXand I am still experiencing the same issues with attempting to login, I received no email, or any type of correspondence from Equifax at all. 

I decided to call again today, was put through the same steps I was last time and was told now I have to send a letter in order for them to escalate this to their tech department and I would have to wait an additional 30 business days, on top of the 2 weeks I have already been waiting. 

Frustrated and realizing I was being led in circles, I requested to speak with the tech department and was denied, being told they do not have a line of communication. I then requested to speak to a supervisor and I have now been on hold for 20 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION ANF USED IT TO OPEN UP FRAUDULENT ACCOUNTS. PLEASE BLOCK AND REMOVE AND BLOCK THIS INCORRECT INFORMATION FROM MY CREDIT PROFILE. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION ANF USED IT TO OPEN UP FRAUDULENT ACCOUNTS. PLEASE BLOCK AND REMOVE AND BLOCK THIS INCORRECT INFORMATION FROM MY CREDIT PROFILE. THANK YOU.

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 2025-04-15 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: NC

Complaint narrative:
My personal information such as my social security card and identification card was in a storage unit, that was auctioned off and my identity was stolen and used to open credit cards. I have been attached my identify theft form and would like these accounts deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I received a letter dated XX/XX/year> from BMO Bank N.A . stating that my BMO credit card account had been closed retroactive to XX/XX/year>. The only reason provided in the letter was that BMO closed the account in accordance with the card holder agreement which allows BMO to close my account at any time, for any reason. 

I have held the BMO credit card for many years The card is used monthly for local and online purchases All monthly payments were made and made on time There was no fraud associated with the account My credit score today is XXXX, last XXXX XXXX range XXXX I called the BMO contact number XXXX and spoke to a representative. He advised me that the account had been closed by BMO and he read portions of the same letter that I had received. I asked what the reason for cancellation was. He stated that he does not have any additional information as to the reason for the cancellation. He stated that a supervisor would tell him the same thing. I asked if my credit report, my payment history or card use were reasons for the cancellation. He only repeated that the cancellation was per the cardholder agreement and that BMO could cancel the card at any time for any reason. He would not specify how the cancellation was justified. 

I called a local BMO branch bank and spoke to a bank representative by phone. That person provided additional information. 

Cardholders were cancelled for one of two reasons : a change in their credit history or because they were not a depository member of the BMO system. In other words, if you did not maintain a deposit account at a BMO bank, your BMO issued credit cards were cancelled. The banks were recently notified in an email from corporate and had no input into the decision. They were told to plan for an onslaught of calls from angry credit card holders. The decision is final and there is no appeal process. They are unable to reinstate the cancelled card. My only option is to open a new account with the bank, and then apply for a new card. 

I expressed concern about a mark on my credit report because of a card cancellation, however there was nothing that could be done by the local bank. I also expressed dismay that BMO would not alert cardholders to any proposed cancellations so that they could opt to open a BMO account to preserve their card. The bank representative agreed this was a business decision with a very poor customer relations outcome.

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AlpacaDB, Inc.
State: LA

Complaint narrative:
Alpaca trading platform just keep telling my I need to finish onboarding without telling me what else need to do. I sent them everything they requested. I sent in my drivers ID I filled all the information they asked. I receives an email from them telling me I was OK to start trading then they keep asking me to fund my account. I sent XXXX to fund my account and when I first sent the money they told I was able to see the funds in my open account and all of a sudden the funds wasn't there. When I contacted then they keep telling me to fund my account. I linked my bank account an sent my XXXX now my account wasn't showing the money anymore. I have sent 10 emails back and fourth.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly XXXX U.S.C. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX U.S.C. XXXXe ( b ). The reporting of unauthorized data also breaches XXXX U.S.C. XXXXb, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
As a result of a data breach, my personal information was exposed and misused, leading to the appearance of unauthorized accounts, credit inquiries, and a reported late payment on my credit reportnone of which I recognize or authorized. These inaccurate entries, along with incorrect personal details, continue to appear on my file despite my previous attempts to dispute them. Their presence has negatively impacted my credit standing and raised serious concerns about both the protection of my identity and the reliability of the information being reported.

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 2025-04-15 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you,, Experian credit reporting agency , XXXX  credit reporting agency , and XXXX  credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXMy Information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit reports effective immediately.\n I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach, Equifax, Experian and Transunion have done nothing to fix the misuse of my credit.\nPlease help me delete illegal accounts from all of my credit reports. \nThe following accounts, addresses and inquiries were fraudulent, and they need to be removed from my credit reports.\n\nFraudulent Addresses NEED TO BE REMOVEDXXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXMy Information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit reports effective immediately.\n I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach, Equifax, Experian and Transunion have done nothing to fix the misuse of my credit.\nPlease help me delete illegal accounts from all of my credit reports. \nThe following accounts, addresses and inquiries were fraudulent, and they need to be removed from my credit reports.\n\nFraudulent Addresses NEED TO BE REMOVEDXXXX 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 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

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 2025-04-15 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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX .Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-15 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grimley Financial Corporation
State: NJ

Complaint narrative:
A new collections agency sent me a letter on XX/XX/year> for a debt previously disputed ( medical debt that is not mine ). I responded via email on XXXX requesting XXXX items as part of debt validation. 

In the letter they sent me, they are claiming a document that clearly says " this is not a bill '' is, in fact, a bill. They failed to provide any other documentation as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX RE : Case No. XXXX Midland Funding XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Court Location : XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} To Whom It May Concern : I am writing to formally dispute the validity of the debt listed above. This debt is not mine, and I was never provided with any documentation or proof that this alleged debt belongs to me. 

Furthermore, I was not aware of the judgment until recently and was never given the opportunity to appear in court to present a defense. I am currently unemployed and receiving unemployment benefits, and I have no ability to pay a debt that is not mine. 

Please cease all collection efforts immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of the debt, including : The name of the original creditor A complete breakdown of the amount claimed Documentation showing that this account belongs to me A copy of the original signed agreement, if XXXX exists If you are unable to provide this documentation, I request that you close this matter and notify the court. 

This letter is not an admission of liability, and I reserve all rights under state and federal law. I am also filing a Motion to Open Judgment with the XXXX XXXX XXXX to formally challenge the entry of judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX broke our lease agreement after we moved out by failing to properly provide notice of an intent to use our security deposits and additional charges for supposed damages. Prior to move out, we were asked for an address to send deposits information to and that was provided. They did not end up sending information to the correct address and admitted to this in an email response to us from company management. They failed to provide proper notice and an opportunity to respond and kept our deposit and sent the remaining charges to collections. After review of the supposed charges, most were invalid claims of damage that we have proof of based on our inspection report prior to move. An example is are trying to charge for broken blinds when the initial report showed they were broken to begin with. Many of the charges are similar in nature. But regardless, they should not have used our security deposit at all to begin with since they broke the lease terms in regards to deposit. We tried to resolve this with the leasing company without any legal action but they refused to cooperate. The leasing company then sent the remaining charges to Hunter Warfield , Inc. ( collection agency ). I received initial notice of this claim on XX/XX/XXXX. I responded with all the evidence in my dispute. In XX/XX/XXXX, they called me trying to collect again and said my claim was denied after escalating the evidence to XXXX and XXXX and were threatening with sending the charge to the federal credit bureau if it goes unpaid. I expressed to them it doesnt make sense to leave it up to XXXX and XXXX XXXX they refuse to acknowledge the evidence in their wrongdoing and that the collections agency should not try to collect an invalid charge.

Company response to consumer: Closed with explanation