vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-21 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: IL

Complaint narrative:
Please review the identity theft information and data breach information I've attached below.

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 2025-05-21 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: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
Binance XXXX XXXX XXXX  I have been trying to withdraw my cash for the past XXXX  months to pay for the hospital bills my wife and I are about to occur any moment for birth of our first child. It is a significant % of what we thought to be liquid cash. They told me they promised me a resolution will come and to hold XXXX, I have been patient until XXXX  days ago and they refuse to answer any question or help in any way and just told me the only way is to by crypto and trade to another platform then withdraw, there is fee 's associated. 

I easily could deposit money but withdrawing has been impossible. Multiple times they have claimed its fixed and click a link for resolution and it's just a broken link. 

I need this money urgently, I planned on it for this reason I will probably need to cash out my XXXX or something drastic to pay for these bills now this has caused so much stress and mental anguish in a time when I want to be confident and calm for my wife expecting any moment. This company is fradulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: TX

Complaint narrative:
In early XXXX, my account with XXXX XXXX XXXX XXXX was closed by the bank. At the time of closure, there was a remaining balance of {$110.00}. Unfortunately, I was unable to access the account after it was closed, which prevented me from making a timely payment. 

As soon as I became aware of the balance, I contacted the bank and paid the full amount owed, including a small overpayment that brought the total to {$110.00}. The payment was made on XX/XX/year>. 

Despite paying the account in full, XXXX XXXX XXXX XXXX reported the account as defaulted to the credit bureaus. When I contacted them via online chat to request a goodwill adjustment or removal of the negative remark, I was informed that they report based on the account status and could not remove the default from my credit report. 

This negative mark is now affecting my credit history, even though the debt was settled and the delay in payment was due to lack of access to the closed accountnot unwillingness to pay. 

I am requesting that this situation be reviewed and that XXXX XXXX XXXX XXXX be asked to consider a goodwill adjustment or updated reporting to reflect the account was paid in full and not maliciously neglected.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-21 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil 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 2025-05-21 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: OH

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-21 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: Kikoff Inc.
State: FL

Complaint narrative:
I just discovered that my personal information has been compromised in a data breach. I'm shocked and concerned about the potential misuse of my data. Taking immediate steps to secure my accounts and monitor for suspicious activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LCI Acquisition Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against LCI ( Lundquist Consulting , Inc ) as a data furnisher of public record information that is being reported to XXXX  ( and possibly other CRAs ) under my name. The item in question is a bankruptcy public record that is inaccurate and unverified, and whose continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). Background : On XX/XX/year>, I submitted a formal FCRA verification request directly to LCI, requesting : Verification of the bankruptcy data they reported ; The original source and documentation supporting the report ; A description of their investigation procedures and all records relied upon.To date, LCI has failed to respond within the 30-day period required by FCRA 1681i and 1681s-2 ( b ) .In addition, I have attached a letter from the U.S. Bankruptcy Court, which confirms that they do not report or furnish data to any credit bureau or third-party vendor , including LCI. Therefore, the presence of this public record in my credit file appears to have been obtained through a third-party method that is unverified, incomplete, and unauthenticated.My Rights Violated : FCRA 1681e ( b ) : LCI has not ensured the maximum possible accuracy of the information furnished; FCRA 1681s-2 ( b ) : After being notified of a dispute, they failed to conduct a reasonable investigation and respond with their findings ; FCRA 1681i ( a ) ( 1 ) : No written results of the investigation were provided within 30 days. 
The continued presence of this unverifiable bankruptcy on my credit report causes serious harm to my consumer profile and is being sustained without direct validation, source documentation, or legal foundation.What

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I purchased event tickets from a third party ticket seller in error ( thinking it was a legitimate site, not a ticket scalping operation ). Once the transaction was final, I saw that I would not actually get the tickets for 183 days. The fine print on the sellers site was very hard to access, so I missed the part where they admit they are a secondary market, aka ticket scalping operation. When I contacted XXXX XXXX XXXX, I was advised that my remedy would be to sell ( scalp ) the tickets. The problem is, I do not have possession of any tickets to sell. They also purported that Certain venues and/or performers do not release tickets until 24-48 hours prior to the event. I verified that in this case, that is false by purchasing tickets directly from the venue and receiving them immediately. In addition is appears as thought XXXX XXXX XXXX is in violation of RCW 19.345.020 ( 1 ) ( a ) by using software to circumvent, thwart, interfere with or evadeaccess control system or other control or measure on a ticket sellers website. I do not understand why it is legal to charge for goods or services that are being held for 183 days, when there is no manufacturing involved and the statement that venues do not release tickets is simply a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
On or about XX/XX/year>, I received a message from Discover Bank stating that my account is at risk of being closed permanently if payment is not made by XX/XX/year>. Prior to this, Discover has repeatedly issued billing statements and demands without producing any verifiable proof of a lawful, bilaterally binding contract or lawful consideration.

These statements have been returned and refused for cause without dishonor in accordance with UCC 3-501 and UCC 1-308 . No rebuttal or validation has been provided in response to these notices. Discover has not produced a signed agreement showing mutual obligation, lawful value given, or complete disclosure of credit terms under TILA ( 15 U.S.C. 1601 et seq. ).

I assert that Discover is attempting to collect on an invalid claim lacking lawful foundation, and the threat of account closure is a coercive act in violation of my consumer rights. I request CFPB review Discovers actions for violations of the Truth in Lending Act, Fair Credit Billing Act, FTC Act ( 15 U.S.C. 45 ), and UCC Article 9 regarding the absence of a perfected security interest.

I am requesting a full investigation, cease and desist of further collections, and closure of any false claims made without proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : 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 XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-21 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:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : 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 XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for the Chase United Explorer credit card, which I received a targeted pre-approval application for. I had heard Chase had XX/XX/year> " rule '' and called Chase via telephone to inquire about the " rule ''. I was told that because I received a targeted pre-approval application, in addition to being a previous Chase United Explorer cardholder the XX/XX/year> " rule '' would not be an issue. I went ahead with the application and was ultimately denied, with the reason being provided as being over Chase 's XX/XX/year> " rule ''. When I called and spoke to the reconsideration line, I was told there is no exception to this " rule '', despite numerous exceptions being well documented. If Chase had been up front and made it clear that I would be denied due to being over their XX/XX/year> " rule '' I would have never applied for the credit card. But after specifically inquiring about this " rule '' and being told it was not an issue due to receiving a targeted offer and being a previous cardholder of the credit card I was interested in applying for, I'm now left with a negative impact on my credit report after being provided false information by Chase. My credit score is well over 800 and I have never once made a late payment. I have exceptional credit history and a prior relationship with Chase bank.

Company response to consumer: Closed with explanation