vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: NJ

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiries on XXXX Credit Report To Whom It May Concern, I am submitting this formal complaint regarding unauthorized inquiries on my XXXX credit report. I have noticed multiple hard inquiries that I did not authorize, nor did I provide any entity with permission to access my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires consumer consent before a credit report can be accessed. 

I have attempted to resolve this issue by contacting XXXX multiple times ; however, it has been nearly impossible to reach a human representative. When I do manage to get through, I am either placed on long holds or abruptly disconnected without any resolution. This has been an incredibly frustrating and distressing experience, and I am now seeking the assistance of the FTC in addressing this matter. 

I am requesting that these unauthorized inquiries be investigated and removed from my credit report immediately. I have also disputed these inquiries directly with XXXX, but due to the lack of response and inadequate customer service, I am seeking further action from the FTC. 

I have enclosed copies of my credit report highlighting the unauthorized inquiries for your reference. Please let me know the next steps in this process and what further information you may need from me. I appreciate your time and assistance in this urgent matter. 

Thank you for your attention to this issue. Please feel free to contact me at the information provided above. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
The " Indigo '' credit card company sent me an email sayong " You're Aporoved '', not " Pre-Aporoved. '' Then, upon filling out info, they said was NOT approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: CT

Complaint narrative:
I am a customer of KeyBank and these people are advising me that they can not transfer me to a higher manager then the current ones in the department. Im requesting to speak with the managers manager for the recovery department of KeyBank because I was lied and they are denying me. I have been transferred and hung up on and feel very uncomfortable with the results of whats been going on. Im requesting assistance with getting someone in the Corporate office department that can handle selling old accounts and payoff of checking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XXXX I am writing to formally dispute inaccurate information on my credit report, as i have identified multiple errors that violate my consumer rights under federal law. I request an immediate investigation and removal of these inaccuracies per the following legal provisions. 

~ 18 U.S. code 1028 prohibits fraud and misuse of identification, including inaccuracies or misrepresented data on my credit report ~ 15 U.S. code 1681b Limits permissible purpose for reporting and accessing my credit file, which may have been violated if accounts were inaccurately reported or accessed. 

~ 15 U.S. code 6802 Requires financial institutions to provide privacy protections and obtain consent before sharing my personal data.

Any unauthorized sharing or incorrect reporting must be rectified.

~ 15 U.S. code 1692g Mandates that debt collectors provide proper validation of debts, If any account listed in my report were not validated properly, they must be removed. 

I request the following inaccurate items be removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to conduct a proper investigation and remove any unverifiable, inaccurate, or outdated information from my credit report. If these accounts can not be verified they must be deleted promptly. 


Sincerly, 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 2025-03-26 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: TX

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 , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: WV

Complaint narrative:
Today I received a strange call from a foreign female with thick XXXX accent who would not identify herself was rude and presumptuous by not introducing or identifying herself as a caller asking for XXXX. I can't repeat the strange name she gave but said she was calling from XXXX XXXX Comerica bank and there was suspicious activity and fraud on my account out of state, a lie. I'm in my home state, not using my card, it's locked, no fraudulent activity, or suspicious activity ... .there 's a pending transaction for direct deposit of my SSXXXX social security XXXX income on XX/XX/year> ( XXXX ) XXXX XXXX XXXX XXXX called and upset me very much by harassment. XXXX XXXX never calls cardholders. This is unacceptable and I want it stopped. I'm in WV and this sounds like a suspicious or fraud scam by a non white non American foreign criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Theres a job called XXXX in which my job interviewer introduced to me. The job requires us to rate and review apps. However, in order to complete tasks on the app, you need to fund the account and also pay for apps and get profit from the apps price. Not immediately did I know this but every time I were to complete tasks, my account kept generating more and more expensive tasks to do. Soon, more and more money was sent in order to complete 40 tasks except I am stuck at XX/XX/year> and is now in debt on the account. The money that was sent was paid in form of crypto specifically BTC, or ETH and in total, lost over {$5000.00}. XXXX, XXXX, XXXX, and XXXX was used to send and convert these currencies to crypto. I started this job around XX/XX/XXXX and got paid fine until I did more and more tasks which got me in debt. The bank however will not help me recover this money since I was responsible for sending money. In the attachments, shows the total amount of money that was processed over to 3rd party apps. I tried to trust this job but I realized it is a setup and a scam. Using my own money that came from my school was the money I need to buy groceries and other important things.

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 2025-03-26 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: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-26 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:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: NJ

Complaint narrative:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

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 2025-03-26 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:
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 2025-03-26 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:
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 2025-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
I found out about this on my XXXX credit report. I have never had an account with XXXX as alleged by Jefferson Capital Systems. This is potentially identity theft. I never received notice of this debt in writing, yet it shows on my credit report. I attempted to reach Jefferson Capital Systems by phone, but was only able to receive an automated respondent stating that no customer service agents were available to assist, and asking for my social security number. Details of what shows on my disputed XXXX report are below. This is the second time that a collection has been falsely sent to me based on a XXXX account. 

Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am filing a complaint against COMENITYBANK/VICTORIA. I Requested that they provide validation of the debt they are attempting to collect, including proof of their right to collect the debt and evidence that the debt is mine. Despite my repeated requests, they have failed to provide the necessary documentation to validate the debt. 

The details are as follows :. On XXXX XXXX I sent a written request to COMENITYBANK/VICTORIA asking for validation of the debt. 
. I requested that they provide a copy of the original contract or agreement that indicates my obligation to pay the debt. 
. I also asked for a detailed account of the debt, including the original creditor 's name, the amount owed, and how the amount was calculated.

. Additionally, I requested proof that COMENITYBANK/VICTORIA has the legal right to collect the debt. 
Despite allowing a reasonable amount of time for them to respond, I have not received any of the requested documentation. This lack of response is not only concerning but also a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

I am seeking assistance from the CFPB to ensure that { Collection Agency Name ] provides the necessary validation of the debt and ceases collection efforts until they do so. I would also like to request that any negative information reported to credit bureaus be removed until the debt is properly validated. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: MS

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

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 2025-03-26 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation