vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
my information was exposed in the equifax data breach which caused identity theft Pursant to section 605B of the Fair Credit Reporting Act ( FCRA ) I am requesting that you remove and block the reporting of all accounts resulting from identity theft. Under 15 USC 1681c-2, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
my information was exposed in the equifax data breach which caused identity theft Pursant to section 605B of the Fair Credit Reporting Act ( FCRA ) I am requesting that you remove and block the reporting of all accounts resulting from identity theft. Under 15 USC 1681c-2, XXXXXXXX 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 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Its a debt from XXXX XXXX and the company who bought it is CONTRACT CALLERS INC and I havent had or rented my own house in 3 years and I been staying with family members so this debt couldnt possibly be mines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank refuses to help me on a XXXX transfer payment I made to XXXX money in the amount of {$2000.00} was taken out of my citizens account and never credited to my XXXX account. I went to XXXX and there was nothing pending on their end. They said the problem was on citizens and I also called XXXX and they said the same thing. The problem was on citizens and I called citizens and they are telling me it takes up to 20 days but now I am negative in my XXXX  account because of this and I have bills coming out and and getting all type of overdraft fees. Citizen refuses to help me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
The inquiry was not authorized Date of inquiry : XX/XX/year> Please remove it from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the relevant creditor. Should the creditor fail to provide verification, I kindly ask that you delete any unverifiable information..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a notification from Wells Fargo on XXXX XXXX XXXX that they are attempting to withdraw money from my checking account to pay my credit card. However my autopay is setup to pay my statement balance on XXXX XXXX XXXX. I was not expecting the early withdraw and it was not prepared for it at all. 

My rent payment should be paid using my XXXX XXXX XXXX and not paid using my checking account. 

Additionally the available credit limit on my account calculation is incorrect. My credit limit is {$13000.00} and I have used {$6600.00}. I expect the credit limit to be {$6300.00}. However it says my available credit is only {$570.00}. This is an arithmetic error that must be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am writing in response to a [ letter/phone call ] received from your office regarding an alleged debt you claim I owe. Account # XXXX and account # XXXX. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g.

Please note that I am not acknowledging or accepting any liability for this debt. I am requesting that you provide the following documentation to validate the debt you claim : The name and address of the original creditor A full itemization of the alleged debt, including interest, fees, payments, and principal balance A copy of the original signed contract or promissory note bearing my signature Proof that you are legally authorized to collect this debt in my state Proof of the chain of assignment or ownership if the debt was purchased or transferred Until you provide all of the above, you must cease all collection activity, including reporting to credit bureaus. Reporting unverified debt violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Be advised : failure to properly validate this debt or continued reporting/collection activity may result in legal action and a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and my state attorney general.

Please respond within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a verified victim of identity theft. I submitted my FTC Identity Theft Report and all necessary documents to TransUnion. They deleted some of the fraudulent items from my report but refused to remove the following account and inquiries, despite clear proof they are not mine : TransUnion is reporting a fraudulent charge-off account and seven unauthorized hard inquiries on my credit report, despite receiving full documentation that I am a victim of identity theft. I have submitted an official FTC Identity Theft Report ( # XXXX ), along with valid ID and proof of address. 
TransUnion continues to send stall letters, claiming they verified the information despite being provided with proof of identity theft. This has caused emotional distress, harmed my credit, and blocked me from purchasing a home and accessing funding. Their refusal to remove this inaccurate, damaging information is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA Laws and Violations : FCRA 605B / 15 U.S. Code 1681c-2 TransUnion is required to block information resulting from identity theft within 4 business days after receiving an identity theft report. They failed to do so. 

FCRA 611 / 15 U.S. Code 1681i TransUnion is required to reinvestigate disputed information and correct or delete it. They failed to correct inaccurate data after a full dispute and verification process.

FCRA 616 / 15 U.S. Code 1681n TransUnion may be held liable for willful noncompliance with FCRA, including actual damages, punitive damages, and attorneys fees.

FCRA 617 / 15 U.S. Code 1681o TransUnion may be held liable for negligent noncompliance, including actual damages and legal costs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
I disputed this charge-off account with all three credit bureaus. The creditor and the bureaus verified the account without providing documentation that proves the debt is valid, accurate, or legally collectible. The account shows inaccurate dates and payment history, and the original documentation has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed this charge-off account with all three credit bureaus. The creditor and the bureaus verified the account without providing documentation that proves the debt is valid, accurate, or legally collectible. The account shows inaccurate dates and payment history, and the original documentation has not been provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Checkr, Inc
State: OH

Complaint narrative:
Every time I try to login is keep giving me an error. Im trying to start XXXX XXXX and it keeps sending me to the page, but I cant login and Im not receiving an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
My landlord offered this company " XXXX XXXX flexible rent " to pay my rent and said it would help build my credit. I applied, got approved and made my first payment. Then shortly after my income decreased so I called and asked for a payment plan which they approved. I have emails saying that if the loan was actively being paid that there would be no negative reporting but that was false. They reported XXXX false late payments which decreased my credit by XXXX points. I've contacted them via email and they said this would be updated especially since I paid off the loan. There has been no update to my report and they have caused me financial hardship as now my credit is fair which has made it hard fro me to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollins & McVay, P.A.
State: KS

Complaint narrative:
On XX/XX/year>2025, I received a debt collection notice from Hollins and McVay, P.A., attempting to collect {$190.00} for an alleged debt with the XXXX XXXX XXXX XXXX. I have never had an account with the XXXX XXXX XXXX XXXX and do not owe this debt. This matter has been disputed in the past, and no proper validation has ever been provided. 

In response, I prepared and am attaching a formal dispute and debt validation request to this complaint. The letter demands copies of all original bills mailed to the service address, a signed contract bearing my name, itemized account details, proof that the debt is connected to me, and documentation of the agencys authority to collect on behalf of the XXXX XXXX XXXX XXXX. 

I have also formally instructed Hollins and McVay, P.A. to cease all communication and collection activity unless they can provide proper validation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

I am filing this complaint and submitting the dispute letter through the CFPB to ensure the collections agency does not violate my rights under federal consumer protection law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MS

Complaint narrative:
I " ve recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
b"I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN on my credit report without providing me the option to dispute the dept, as is my right under the Fair Credit Reporting Act (FCRA) required by 12 CHR 1006,34(D(3), yet they have proceeded to place: 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 accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34(c)(4)(1). This denial of the dispute process deprives me of my rights to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.EXPERIAN has resorted to false, misleading and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermining the integrity of the debt collection process and cause undue distress to consumers. 2. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34(d) and 15 USC 1681-S 2(7)(A). EXPERIAN ia flagrantly disregarding consumer protection statutes. I did not receive any notice from: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 accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the XXXX breach and documents proving that I am a victim of identity theft. This has caused significant  harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN remove these account's from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint.  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 2025-06-01 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: FL

Complaint narrative:
What Happened : I am reporting multiple fraudulent accounts that were opened under my identity without my knowledge or authorization. I did not apply for, open, or use these accounts. I discovered them while reviewing my credit report. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
What Happened : I am reporting multiple fraudulent accounts that were opened under my identity without my knowledge or authorization. I did not apply for, open, or use these accounts. I discovered them while reviewing my credit report. 

The fraudulent accounts include : XXXXXXXX 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 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I received a letter yesterday XX/XX/year>2025 about this debt and contacted the debt collector today XX/XX/scrub> 2025 to try and figure out this debt and reslove this issue. They are reporting this on my credit and i want it to stop reporting and removed from my credit while this issue is being resloved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: Kikoff Inc.
State: MO

Complaint narrative:
I disputed inaccurate and outdated reporting from Kikoff. Despite communicating via email and previously disputing the account, they failed to provide proof of any investigation or accurate validation of the data. 

This account is still reporting negative information to credit bureaus. They have not followed FCRA Sections 611 or 623, and no reinvestigation or validation has been provided. I am requesting full deletion based on noncompliance, and Ive attached proof that I reached out to them directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
I needed to pay for airline tickets with funds from my account with XXXX XXXX. However, my debit card limit is XXXX. I requested an increase with my funds, this is my debit card, so I can pay for the airline tickets. The bank denied my request and refused to increase the limit on my debit card so I can pay for my airline tickets. The representative XXXX said the " back office '' made the decision and she was not able to override it. I asked to speak with the " back office '' and she said there was no one available, she was the Manager for the day. She told me to go to my local branch so they can submit the request to the " back office ''. She also told me I would not be able to purchase the airline tickets today ( XX/XX/year> ) for my Son 's first XXXX XXXX. She did not show an empathy, it was very clear, I was annoying her. 
The only solution offered was to use a credit card or go to the Airline with a check. I do not have a credit card and have made a personal choice not to go into debt for a vacation. Also, it is an inconvenience for me to have to figure out if the airline will take a check. I have a debit card with the funds available to complete the purchase. 
My complaint is this is my money in my account. I needed to purchase airline tickets for my upcoming vacation for a reasonable price which was over the XXXX limit. I should be able to receive the help I need and not need approval to access funds in my account. Why am I being denied an increase to my debit card for funds available to be used in my account? 
I have never requested an increase of my debit card limit and I am a long time customer of this bank. It was very frustrating not to be able to use my debit card for this one time purchase.

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