vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
I tried working to fix the problem but get no solution either by mail or phone call. My acccount is still frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I am disputing the information in FTC complaint, as it appears on my credit profile, I would like validation and proof all inquires belongs to me XXXX XXXX. If the inquires can't be validated, I would like for the inquires to be removed from my credit profile. Please note

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 2025-03-31 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: CA

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX XXXX XXXX XX/XX/year>, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX XXXX XXXX XX/XX/year>, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely, 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 explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX XXXX on XX/XX/year>, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely,

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 2025-03-31 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 am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX XXXX on XX/XX/year>, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
I am writing to formally dispute the accuracy of a XXXX XXXX collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, XXXX XXXX would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.

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 2025-03-31 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN **** XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXXXXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX  Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXXXXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX **** XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX Bank Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXXXXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX **** XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXXXXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX Bank Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXXXXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MO

Complaint narrative:
I have already tried to dispute this account online and then on the phone - and was denied doing both. The online site for disputes isnt working XXXX right now and the XXXX  number listed on the site does not work either. This is unethical when trying to review things reported for accuracy- I have 1 collection account showing, an American family account showing however there is no proper way to contact this company- so I demand that the account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-03-31 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: IL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX  Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX  Balance {$1400.00} XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$600.00} Open Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Equifax for their failure to properly investigate an incorrect account listed on my credit report. This account is tied to a Social Security Number ( SSN ) that is not mine, yet it continues to appear as a collection on my report.

I have disputed this error with Equifax multiple times, but they have failed to conduct a thorough investigation or resolve the issue. Despite providing clear evidence that the account does not belong to me, Equifax has not removed it, resulting in significant harm to my credit.

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the accuracy of the information on my credit report and conduct a proper investigation. However, they have not met their legal obligations in this case. 


account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} date opened : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently discovered incorrect information on my report, and it is unfairly lowering my scores. These errors have already created obstacles for me, and I should not have to suffer because of mistakes that are not my fault.

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 2025-03-31 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DailyPay, Inc
State: IN

Complaint narrative:
On XX/XX/year> went to withdraw {$100.00} dls from atm, with my daily pay card money DIDNT DISPENSE. On XX/XX/year> went to a restaurant and spent {$96.00} used my daily pay card, daily pay took {$120.00}. Every time I call daily pay they hang up on me and tell me that they are NOT going to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX XXXX XX/XX/year>, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I request that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law.

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 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, my mother cut a check to me for the amount of {$50000.00}. On XX/XX/year>, I deposited the check at the BMO XXXX branch located in XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Soon after the deposit was made, BMO informed me that the back office/fraud department would not allow me to access the check funds. Apparently, they needed to do more research on the check and I was informed that the entire process may take up to 30 days. As a result, my account became a withdraw only account with limited access. 

On XX/XX/year>, I lost faith in BMO and decided to go to the BMO XXXX XXXX branch located at XXXX XXXX XXXX, XXXX XXXX CA XXXX to withdraw most of the of my funds before they unreasonably hold onto anymore of my money. Lo and behold, when the 30 days came ; BMO decided to close my account with no mention of anything about the {$48000.00} funds remaining from the check hold. Every BMO employee, in person or on phone, told me to contact their fraud department ( XXXX ) XXXX. 

Between XX/XX/year> and now, I have called the fraud department multiple times ( sometimes they would hang up on me ) and the fraud department is telling me that they are holding onto my funds. The only way to retrieve the money is to have the check issuer call their bank to recall the funds. I ask them is there some sort of form they have to fill out or what legal document is BMO requesting and the responds I get is " The bank should know, it is a bank to bank transaction ''. 

So I tell my mother to call her issuing bank, XXXX XXXX  and they say that the funds have already been withdrawn. Long story short, on XX/XX/year> we do a XXXX way call between : me, my mother, the XXXX XXXX department agent XXXX, and the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX asks XXXX what the problem is and XXXX basically states that the funds are on a hold account and that BMO needs to have the issuer 's bank mail out a hold harmless letter. Once BMO receives the hold harmless letter, BMO will return the funds to the issuer 's bank. 

XXXX asks them where she should send the hold harmless letter, and XXXX provides her with the email. As a side note, XXXX was the most professional/helpful agent in that department I spoke to. About 2-3 days later, XXXX informs my mother that she is bewildered with the situation. XXXX has asked their legal department as well as the higher up executives of the bank and this is the first time they have heard anything about this. XXXX then apologizes and said she was advised to not send any hold harmless letter or statements out. This brings us to the present situation and the money is still being held hostage by BMO.

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 monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove these fraudulent inquiries from my credit report, 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 explanation