vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: Express Collections, Inc.
State: SD

Complaint narrative:
In XX/XX/year> I disputed some transactions with my bank, and I was given a provisional credit of {$1200.00}. I disputed these transactions because they were illegal online gambling transactions. I was not aware of the law. I told the bank that I authorized the charges but they were disputed on the grounds that this was fraud. They took the illegal merchant for their word about my authorization and took back the credits leaving me with a overdraft of {$1200.00}. I never paid that back and the bank sold the debt to Express Collections who has been reporting this debt since XXXX. I have spoken with the Attorney Generals office and they determined these were illegal charges and tried to get a voluntary settlement on my behalf but they were not successful. XXXX XXXX at XXXX XXXX XXXX confirms the XXXX XXXX XXXX XXXX XXXX  wagering XXXX used as well as XXXX XXXX Video game arcades which is a card present code. He also told me lies about how merchants get their XXXX. The provisional credits on my statement clearly shows that it was for a merchant by the name of XXXX XXXX XXXX. I don't know how it could become any more clear that the nature of this debt is illegal and therefore unenforceable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-09-17 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: PA

Complaint narrative:
I am disputing the following hard inquiries that appear on my credit report : XXXX XXXX  dated XXXX, XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX XXXX XXXX dated XXXX, XXXX XXXX XXXX XXXX dated XXXX XXXX and XXXX XXXX XXXX dated XXXX as they were obtained without my knowledge, consent, or written authorization. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report when there is a valid permissible purpose, and none exists for these inquiries. Their presence is unlawful, unauthorized, and harmful to my creditworthiness, lowering my score and misrepresenting my credit activity. Furthermore, under 15 U.S.C. 1681e ( b ), Experian is required to ensure the maximum possible accuracy of information reported, which includes verifying that inquiries were lawfully authorized. Failure to delete unverifiable and unauthorized inquiries constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. I am requesting the immediate deletion of these inquiries and written confirmation of their removal.

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 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-09-17 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I booked an XXXX and the host did not disclose anywhere on her listing that it was a shared home, where Id have to share a bathroom with other guests. Due to the omission, I requested to have credit to my account to rebook elsewhere, XXXX denied, canceled my reservation, and issued me a partial credit of {$110.00} out of the {$360.00} I spent. Additionally, I was never provided a cancellation policy, or policy at all. That was not fair, so I disputed the charge with Chime on XX/XX/XXXX. The categorized my claim incorrectly, it should have been goods not received, which prevented me from receiving a provisional credit. Days later ( XX/XX/XXXX ) I received an email from XXXX that my account was deleted. This was retaliation for disputing the charge. I disputed the removal due to me no longer having access to the credit they issued, and XXXX emailed me saying they would not open my account or refund the credit/full cost ( XX/XX/XXXX ). I immediately contacted my bank, and re opened my claim after the realizing my provisional credit hadnt been received and my claim hadnt been updated, which sparked the initial CFPB complaint on ( XX/XX/XXXX, # XXXX ). I contacted chime for updates and kept receiving the runaround, and the only resolution I received at this point was a Re categorizing request to receive a provisional credit. I waited, and then on XX/XX/XXXX, my claim was denied. I called on XX/XX/XXXX for answers and was told Id receive documentation on why my claim was denied and that theyd only reopen if I had new information to submit. At this point, I had already submitted screenshots of conversations with XXXX support and the host, showing the refusal to refund and only issuing a credit, and I couldnt submit anything more since XXXX closed my account out of retaliation. On XX/XX/XXXX and XX/XX/XXXX, they denied my claim again. I called on XX/XX/XXXX to reopen and I submitted proof that the host acknowledged I was due a credit from XXXX. I was told again by another supervisor that theyd send documentation on my claim being denied, what paperwork they needed for proof, and still havent received anything. Its supposed to take XXXX business days to receive the documents and still nothing has showed up. They reopened my claim again, and on the XXXX day when I was supposed to receive a provisional credit by XXXX, and instead my claim was denied once again with no proof. I contacted them immediately and its the same story. No one is listening, no one is helping, and at this point I am about to take legal action out of principle. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: KY

Complaint narrative:
On XX/XX/25 I looked at my digital crypto.com wallet. My balance reflects XXXX which is not accurate. I had XXXX in XXXX XXXX in XXXX, XXXX in XXXX I have purchase receipts from two sources a debit and a credit card. There is no activity on my transactions. All I get from the bots on the help center is them reciting the balance of XXXX and saying crypto.com is not liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I XXXX XXXX request a copy of the original purchase agreement or original contract that created this alleged debt. The contact that is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. In addition, please send proof of chain of ownership of the alleged debt. And include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain.

3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status EPs4 REPAIR 1. If any interest or fees have accrued or been added on TRA the balance, please send proof that such fees are lawful are son agreed upon in the original purchase agreement. 
2. Proof that you are legally allowed to collect on alleged debts in the state of YOUR STATE, including your Third-Part Debt Collection Bond 2,091 6 Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your Firm maintains. FTC XXXX XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: AL

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from 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 explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from 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 2025-09-17 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: AZ

Complaint narrative:
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.

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 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I deposited XXXX XXXX worth of XXXX  tokens to my Kraken account using the wrong blockchain network ( XXXX XXXX ), and Kraken refuse to undertake any sort of recovery of these tokens, saying I should have used the XXXX XXXX These tokens are now in their wallet under their control. Their deposit page makes it far too easy for this mistake to occur, and the mistake is very common, even according to their website. Other exchanges have drop-down boxes that force users to select the network before providing a deposit address. Kraken could easily return the tokens, less a recovery fee, to the address the tokens were sent from, and their website even says they charge XXXX XXXX for such recoveries. They do support this network, just not for this particular token, so recovery is not only possible but relatively simple.

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 2025-09-17 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-17 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: IA

Complaint narrative:
Ive noticed multiple inaccurate accounts reporting to my credit file

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-17 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:
b'Delete the disputed accounts per 1681g, within the 15-day limit.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FREEDOM FINANCIAL NETWORK
State: SC

Complaint narrative:
This company stole money from my account without my permission. I have tried to contact them several times this morning and no answer. They are a scam and they took XXXX out of my account without my permission. They swindled me. They stated they needed to deposit a " small loan '' in my account that I paid back to raise my credit score but what I didn't know was that it was to steal my information to make withdrawals. Please help me. I just want my money back and that'll be justice for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/year>, I received a letter from Citi stating they will no longer service my newly opened checking account and my two Citi credit cards. The letter did not provide any explanation for this decision. 

I believe my accounts were closed in error. I had no delinquencies, fraudulent activity, or misuse. My payment history has been responsible and timely, yet all of my accounts were closed without explanation. This has harmed my ability to manage credit responsibly. 

I am concerned there may have been a systems error related to the recent opening of my checking account under a new online banking login. Other than this, I can identify no reason for the closures. 

On XX/XX/year>, I contacted Citi representatives because I am unable to log in to online banking. Despite multiple calls and transfers, I was not given access to my account or a clear solution. Each representative only asked for sensitive personal information ( such as my Social Security number ) but did not resolve the issue. After nearly an hour of transfers and hold time, I had to end the call. 

This lack of access to my accounts makes it excessively difficult to view statements or make payments, which creates risk of late fees, additional interest, and inaccurate credit reporting. Under the CARD Act and Truth in Lending Act, I should have continued access to my billing statements and a clear method to repay my balance.

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 2025-09-17 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: CA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief