vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX CREDIT ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX CREDIT ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I closed my account and paid all debts, now they come with a third party company trying to bill more, never has been notified and neither has been contacted about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year> I spoke with XXXX XXXX employee ID XXXX ) who informed me that my chargeback was denied for being over the XXXX day chargeback limit. She then transferred me to XXXX XXXX XXXX employee ID XXXX ) who stated the same. 
I explained to them the reason that my chargeback was over the limit - I was sold misrepresented goods/services by the merchant. I made a purchase for compounded prescription medication through a telehealth provider. The medication was provided by a pharmacy that I later discovered was : - Not licensed for sterile compounding - Not licensed to operate in my home state of California -Under active investigation or regulatory action by their state 's department of health I was denied the opportunity to chose a pharmacy ands was led to believe the product would be legally compounded and dispensed. This turned out to be false. 
Timeline & Dispute filing : I discovered the misrepresentation in XX/XX/year> and filed my dispute with the bank shortly thereafter. 
Although the transactions are outside the XXXX dispute window, I filed promptly upon discovering the problem. 
My bank ( Capital One ) denied my dispute despite compelling evidence. 
I provided : -State regulatory finding showing the pharmacy lacked proper licensing -Proof the merchant provided misleading information about the source of the medication The bank mishandled the dispute : -Dismissed valid regulatory and medical evidence -Denied the dispute based on arbitrary deadlines instead of consumer protection standards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-05-02 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-05-02 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: PA

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and Equifax is continuing to report fraudulent accounts and inquiries on my credit file. I did not authorize these accounts and have no knowledge of them. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I submitted a completed Identity Theft Affidavit, a police report, and proper identification to Equifax. Under 15 U.S.C. 1681c-2, Equifax is required to block identity theft-related information from my report within four ( 4 ) business days of receiving the proper documentation. They have not complied, and the fraudulent information remains.

This is a violation of : 15 U.S.C. 1681c-2 Failure to block fraudulent identity theft data upon receiving proper notice.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer information. 

The continued presence of these inaccurate items has caused severe damage to my credit profile, denied me financial opportunities, and created ongoing emotional and economic harm.

In addition, Equifaxs own public financial disclosures confirm that the company generates substantial revenue from the sale and distribution of consumer credit data to lenders, insurers, and other third parties. By failing to delete fraudulent accounts, Equifax continues to profit from the sale of compromised data, creating a clear conflict of interest and exacerbating the damage done to me. 

I am demanding : Permanent deletion of all fraudulent accounts and inquiries associated with this identity theft case ; An updated and corrected credit report reflecting these removals ; Written confirmation that these items will not be reinserted without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ).

If Equifax does not comply promptly, I will be forced to seek equitable relief through additional legal action.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure Equifax complies with its obligations under federal law and protects my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint as a consumer regarding a deceptive and fraudulent auto financing transaction involving XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA ) and Credit Acceptance Corporation. 
On XX/XX/XXXX, I responded to an advertisement from XXXX XXXX XXXX that stated only {$2000.00} down was required to finance a vehicle. However, upon arrival, the dealership demanded a higher deposit of {$3300.00}, which I paid under the belief it would be applied to financing the specific vehicle I intended to purchase. 
I was asked to digitally sign paperwork at the dealership, and ultimately, I received a vehicle - but not the one I had selected. I later discovered that a retail installment contract had been created in my name with Credit Acceptance Corporation, and I began receiving monthly payment demands despite not being provided the promised vehicle or transparent financing terms and or disclosures. 
I made monthly payments through XX/XX/XXXX, after which the vehicle was repossessed in XX/XX/XXXX. I believe this entire transaction was based on misrepresentation and is in violation of Pennsylvania consumer protection laws. I did not receive the product or financial terms I was led to expect, and the financing terms were not fully disclosed at the time of signing. 
I am requesting that your office investigate this matter and : -Take action against XXXX XXXX XXXXXXXX XXXX and Credit Acceptance Corporation for deceptive and unfair business practices. 


I am prepared to provide all supporting documentation, including my deposit receipt, communications with the dealership, the installment agreement, and proof of payments made.

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 2025-05-02 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:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the last several months, I have had repeated issues with TransUnion and Experian -- XXXX and Experian will not provide me access to online disputes -- XXXX and Experian will not allow me to view my disputes -- XXXX and Experian will not allow me to view alerts -- XXXX and Experian will not allow me to add or remove the freeze I have communicated with them multiple times via phone and via chat and their response was : our site is down -Please try again at a later time Transunion 's and Experian 's actions taken and non taken has caused my emotional distress and financial distress.

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 2025-05-02 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting 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 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally request a reconsideration and appeal for my recent dispute regarding a {$580.00} charge from XXXX. 

Heres some background of the issue : While browsing XXXX, I logged in to view ticket prices, and my XXXX XXXX account was connected. As I was pricing seats and navigating the site ( which is quite confusing and seems almost designed to trap users ), I clicked " Next '' thinking I was continuing to review pricing options. Instead, the site immediately processed a purchase for {$580.00} without any final confirmation. 

Within XXXX minutes of the unauthorized purchase, I contacted XXXX customer service, explained the error, and requested an immediate cancellation. Despite the timing, they refused to refund or escalate my case, stating the tickets were non-refundable. I recorded the conversation as proof of my good faith effort, during which I repeatedly asked to speak with a supervisor but was denied. 

After receiving no resolution from XXXX, I filed a dispute with Wells Fargo. A temporary credit was issued, which brought me some relief, but I have now been informed that the dispute has been denied. This leaves me responsible for a charge I never authroized. 

Additional Considerations : XXXX has a history of complaints regarding deceptive practices, as documented on the Better Business Bureau ( BBB ) and Consumer Financial Protection Bureau ( CFPB ). Many other customers have reported similar experiences of accidental purchases and difficulty obtaining refunds. 

This charge has caused my account to become overdrawn, putting me in a very difficult financial position with upcoming bills, including rent. 

Please let me know if you need any documentation, including my recorded call with XXXX, to assist in this process. 

Thank you for your time, understanding, and prompt attention to this matter.

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 2025-05-02 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: PA

Complaint narrative:
Upon reviewing my credit file, I identified potentially incorrect and questionable remarks that appear to lack proper verification. As a consumer, I am exercising my rights to request the immediate removal of these items in compliance with both federal and state consumer protection laws. This letter also serves to confirm whether your reporting practices align with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which sets clear guidelines for proper verification procedures. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$4200.00} XXXX XXXX XXXX  XXXX XX/XX/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 2025-05-02 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: HI

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 2025-05-02 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: HI

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC again second time I ask for information not account billing, copy of securitization, copy asset back trust, chain of assignment complete 1099, or insurance XXXX XXXX agreement complete date of sale debt purchase agreement, terms of sale to third party do not send account billing that is not contractual in the information I request respond through the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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