vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
Attached are multiple dispute letters regarding separate inaccurate entries reported by Experian, these accounts need to be deleted from my credit report by law. Each letter addresses a different account issue. Please refer to the labeled documents for 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 explanation
Consumer complaint received 2025-04-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Subject : Dispute of Account Charges Dear CAINE & WEINER XXXX XXXX I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally dispute certain charges on my account. 

Upon reviewing my account statement, I noticed several discrepancies that I believe require your immediate attention. The details are as follows : - Charge Date : XXXX XXXX - Amount : {$210.00} - Description : XXXX XXXX CAINE & WEINER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I believe these charges may be incorrect or unauthorized. I kindly ask that you review my account and provide any relevant information regarding these transactions. Additionally, I would appreciate it if you could freeze any further action on my account until this matter has been resolved. 

Please let me know if you require any further information from my side in order to assist with this dispute. I can be reached at my email address, XXXX, or at [ XXXX ]. 

Thank you for your prompt attention to this issue. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received my payment confirmations via physical mail after paying 2 debt collections from XXXX XXXX XXXX however TransUnion is still reporting the collections on file after XX/XX/year>2025.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect personal information:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am the defendant in an active small claims case ( XXXX XXXX XXXX XXXX. XXXX ) filed by Capital One, represented by XXXX XXXX XXXX, XXXX. This complaint is regarding multiple violations of consumer rights and debt collection standards by both parties. 

I formally requested validation of the alleged debt, including : A signed agreement or contract bearing my signature, A full accounting of the alleged debt from inception to present, Proof of ownership or assignment of the alleged account to Capital One, and Verification of the amount being claimed. 

Despite repeated requests, neither Capital One nor XXXX XXXX XXXX, XXXX. has provided these documents. They continue pursuing collection through the court without first substantiating their claim with the legally required documentation. 

This conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), particularly regarding : 15 U.S. Code 1692g Failure to provide debt validation upon request, 15 U.S. Code 1692e False, deceptive, or misleading representations, 15 U.S. Code 1692f Unfair or unconscionable means to collect a debt. 

I have strong reason to believe that the plaintiff is attempting to collect on a debt without legal standing or sufficient proof, which constitutes deceptive and abusive practices under federal law. Furthermore, the legal representatives have made no good faith effort to comply with consumer protection standards, raising concerns about ethical violations and possible misrepresentation before the court. 

I am requesting that the CFPB : Investigate Capital One and XXXX XXXX XXXX, XXXX. for these violations, Compel them to provide full documentation substantiating their claim, Ensure compliance with the FDCPA and all related regulations, Prevent further collection activity until proper validation is provided. 

I believe this complaint is part of a broader pattern of misconduct, and intervention is necessary to protect both myself and other consumers facing similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$6400.00} XXXX  XXXX BALANCED {$3400.00} XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$2000.00} XXXX  XXXX XXXX BALANCED {$6800.00} XXXX XXXX XXXX BALANCED {$5600.00} XXXX XXXX BALANCED {$4200.00} XXXX XXXX XXXX XXXX BALANCED {$1600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$3000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$1500.00} XXXX XXXX ( Original Creditor : XXXX COMMUNICATIONS ) XXXX BALANCED {$130.00} XXXX XXXX XXXX XXXX BALANCED {$390.00} These accounts has resulted in several appearing on my consumer XXXX 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover bank is reporting inaccurate and unverifiable information to the credit reporting agencies XXXX XXXX XXXX XXXX Ive tried to dispute the inaccurate account and discover bank refuses to remove this inaccurate account in accordance with the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
List of inaccurate information and unverifiable facts. 
1 ) Discover bank states this account was closed on XX/XX/XXXX however DISCOVER BANK IS REPORTING LATE PAYMENTS AND ON TIME PAYMENTS AFTER SAID DATE ( this information is incorrect inaccurate and unverifiable ) 2 ) Discover bank states this account was closed on XX/XX/XXXX however DISCOVER BANK LAST REPORTED INFO XX/XX/XXXX ( this information is incorrect inaccurate and unverifiable ) 3 ) DISCOVER BANK STATES THIS ACCOUNT IS IN COLLECTIONS/CHARGED OFF HOWEVER DISCOVER IS REPORTING A BALANCE AND NO 1099 TAX FORM WAS EVER SENT TO ME ( this information is incorrect inaccurate and unverifiable ) 4 ) DISCOVER BANK STATES THAT MY LAST PAYMENT WAS XX/XX/XXXX HOWEVER DISCOVER BANK IS REPORTING POSTIVE PAYMENT HISTORY AFTER THAT DATE ( this information is incorrect inaccurate and unverifiable ) 5 ) DISCOVER BANK STATES THAT THIS ACCOUNT BELONGS TO ME HOWEVER THIS ACCOUNT WAS NEVER OPENED WITH MY PERMISSION OR AT MY DIRECTION ( this information is incorrect inaccurate and unverifiable ) As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 USC 1681i ( 7 ) Method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
XXXXXXXX XXXX is reporting inaccurate and unverifiable information to the credit reporting agencies Experian, TRANSUNION and XXXX. Ive tried to dispute the inaccurate account and XXXXXXXX XXXX  refuses to remove this inaccurate account in accordance with the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
List of inaccurate information and unverifiable facts. 
XXXX ) XXXXXXXX XXXX states this account was closed on XX/XX/XXXX however XXXX XXXX IS REPORTING LATE PAYMENTS AND ON TIME PAYMENTS AFTER SAID DATE ( this information is incorrect inaccurate and unverifiable ) XXXX ) XXXXXXXX XXXX  states this account was closed on XX/XX/XXXX however XXXX XXXX LAST REPORTED INFO XX/XX/XXXX ( this information is incorrect inaccurate and unverifiable ) XXXX ) XXXXXXXX XXXX STATES THIS ACCOUNT IS IN COLLECTIONS/CHARGED OFF HOWEVER XXXX IS REPORTING A BALANCE AND NO XXXXXXXX XXXX FORM WAS EVER SENT TO ME ( this information is incorrect inaccurate and unverifiable ) XXXX ) XXXXXXXX XXXX  STATES THAT MY LAST PAYMENT WAS XX/XX/XXXX HOWEVER XXXX XXXX IS REPORTING POSTIVE PAYMENT HISTORY AFTER THAT DATE ( this information is incorrect inaccurate and unverifiable ) XXXX ) XXXXXXXX XXXX STATES THAT THIS ACCOUNT BELONGS TO ME HOWEVER THIS ACCOUNT WAS NEVER OPENED WITH MY PERMISSION OR AT MY DIRECTION ( this information is incorrect inaccurate and unverifiable ) As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 USC 1681i ( 7 ) Method of verification.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have tried on multiple occasions over the last several years to obtain financing for larger purchases online through the Buy Now, Pay Later company XXXX. However, I have been declined erroneously for the following reason " because records indicate you have filed for bankruptcy '' on at least ( 4 ) different occasions, which I find quite unusual particularly because I have NEVER FILED FOR BANKRUPTCY IN MY ENTIRE LIFE. The credit declination letters from XXXX state that they are receiving this information from Experian and that I need to contact them for any additional information, thus, they have been named in this complaint as well. After being declined due to " Bankruptcy '' for the XXXX time today, I decided to do a bit more research into what might be causing this and decided to login to the company 's website and discovered a charged-off account from XXXX or XXXX ( Loan ID XXXX ) which I do not recognize and believe to be fraudulent. I then connected to the company 's live agent chat system and chatted with XXXX XXXX who informed me that even he/she could see in their system that my credit report does in fact have a bankruptcy on it ( no idea what they are talking about ) and then I asked how to dispute the fraudulent account named above and she gave me no good information about how to go about getting this accomplished. I would like this fraudulent account from XXXX or XXXX disputed and cleared/removed both from my records with XXXX as well as from my credit reports with the ( XXXX ) bureaus if it is being shown on any of them. And I would also like Affirm 's records corrected to properly reflect that I have NEVER filed for bankruptcy and if this needs to be reflected and updated with the credit bureaus as well, particularly Experian, then I would like this to be corrected there as well. NONE OF MY CREDIT REPORTS SHOULD INDICATE BANKRUPTCY, AS I HAVE NEVER FILED FOR BANKRUPTCY EVER.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have tried on multiple occasions over the last several years to obtain financing for larger purchases online through the Buy Now, Pay Later company XXXX. However, I have been declined erroneously for the following reason " because records indicate you have filed for bankruptcy '' on at least ( XXXX ) different occasions, which I find quite unusual particularly because I have NEVER FILED FOR BANKRUPTCY IN MY ENTIRE LIFE. The credit declination letters from XXXX state that they are receiving this information from XXXX and that I need to contact them for any additional information, thus, they have been named in this complaint as well. After being declined due to " Bankruptcy '' for the 4th time today, I decided to do a bit more research into what might be causing this and decided to login to the company 's website and discovered a charged-off account from XXXX or XXXX ( Loan ID XXXX ) which I do not recognize and believe to be fraudulent. I then connected to the company 's live agent chat system and chatted with XXXX XXXX who informed me that even he/she could see in their system that my credit report does in fact have a bankruptcy on it ( no idea what they are talking about ) and then I asked how to dispute the fraudulent account named above and she gave me no good information about how to go about getting this accomplished. I would like this fraudulent account from XXXX or XXXX disputed and cleared/removed both from my records with XXXX as well as from my credit reports with the ( XXXX ) bureaus if it is being shown on any of them. And I would also like Affirm 's records corrected to properly reflect that I have NEVER filed for bankruptcy and if this needs to be reflected and updated with the credit bureaus as well, particularly XXXX, then I would like this to be corrected there as well. NONE OF MY CREDIT REPORTS SHOULD INDICATE BANKRUPTCY, AS I HAVE NEVER FILED FOR BANKRUPTCY EVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: IL

Complaint narrative:
My account was closed XXXX XXXX. I had a balance of XXXX left in my account at the time of closing. I have email communication dating back XXXX of XXXX  requesting the funds be returned to us via check. I was told the funds would be returned to the originator of the funds, XXXX and it was not. I later was told moneylion legally has the right to hold the funds for XXXX  years and then they would be returned. I uploaded a power of attorney, my ID, XXXX ID, both of our social security cards to moneylion. They still wont release the funds. I am requesting for the balance of the account along with the lawful interest be sent to us in a check. I will upload the Power of attorney and other documents to this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened an account with citi bank, I tried to move money through my account via zelle to make bill payments. I was prompted that my account was closed and that I needed to contact customer service for assistance. I contacted customer service and provided information that I had on my account. The representative transferred me to the fraud line and I was then informed that I had to provide contact information linked to my SSN. I no longer have access to that phone number.I was then informed that a confirmation letter will be sent to my address to verify my identity. I later received my bank card in the mail along with a letter providing the PIN number for the card. After waiting XXXX weeks and not receiving the confirmation letter to verify my identity. Citibank informed me that the letter was sent to another address linked to my SSN. I visited the social security department in my area and was informed that the address tied to my SSN was an old address I no longer have means of getting access too. I have informed Citibank, spoke to supervisors and to no avail my situation remains unchanged

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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