vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My husband unemployment got deposited into my account 3 different times same last name and citi bank decided to close my account and never gave us the funds that were owed. We reached out to them since XXXX and had the issuer contact them they still will not return the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I noticed 2 unauthorized transaction on my XXXX bank account statement in the amounts of {$300.00} and {$3000.00} both were made using a paypal account that I do not own and am not associated with. So I started a dispute on XX/XX/year>, with XXXX  and submitted evidence I had to show the unauthorized transaction were not done by me. Afterwards I reached out to paypal and informed them of what happened, paypal asked for my debit card number and found that a person I don't know used my card to send 2 payments to someone using there paypal account. That confirmed that my debit card had in fact been used without my authorization. I then took screenshots of my conversations with paypal and submitted them to XXXX  as evidence. XXXX  has since denied my dispute and the rebuttals I have requested. I've given both XXXX  and paypal the police report I've filed, I've given XXXX  all the conversations I've had with paypal confirming someone used my card without my permission. I have also filed complaints against XXXX  with the CFPB, OCC, FDIC, FTC, both XXXX  and paypal have refused to help me get my funds back. I'm now in the process of filing complaints against paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 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: TX

Complaint narrative:
Experian, Equifax, and TransUnion has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
* On XX/XX/XXXX a new address appeared on my credit report * On XX/XX/XXXX a new name appeared on my credit report * On XX/XX/XXXX there was a credit inquiry reported by Cbna/thd ( the home depot XXXX XXXX On XX/XX/XXXX, XXXX new account was officially reported, credit line of {$6000.00} * On XX/XX/XXXX a delinquent account was reported in the amount of {$2900.00} * On XX/XX/XXXX a delinquent account was reported by The Home Depot/CBNA * XXXX XXXX XXXX  XX/XX/XXXX I checked my Lifelock account and disputed XXXX new account * On XX/XX/XXXX we called The Home Depot to dispute XXXX account * On XX/XX/XXXX The Home Depot began an XXXX XXXX On XX/XX/XXXX The Home Depot sent me a letter saying the account was closed * On XX/XX/XXXX a credit amount decrease of {$6000.00} was reported * On XX/XX/XXXX a fraud alert was reported by XXXX * On XX/XX/XXXX The Home Depot sent me a letter saying the account is still under investigation * On XX/XX/XXXX I filed a police report with XXXX XXXX Police Department

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 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: PA

Complaint narrative:
Dear Sir or Madam, I am writing to lodge a formal complaint against Carvana concerning deceptive and fraudulent practices related to my XXXX XXXXXXXX XXXX XXXX XXXX When I purchased the vehicle in XXXX, Carvanas advertisement and website clearly indicated that the car included a sunroof. However, the vehicle delivered to me does not have this feature. When I raised the issue, I was assured that the vehicle was as advertised, an assertion that is demonstrably false.

Additionally, I later discovered that the vehicle was removed from my Carvana account, further eroding my confidence in the transparency of this transaction.

I also have serious concerns that Carvana, and possibly XXXX, placed and/or used a tracking device on my vehicle without my knowledge or consent. This unauthorized tracking is a grave violation of my privacy rights under federal law. 

Legal Violations and Relevant Provisions XXXX XXXX  Warranty Act : Potential breach of warranty and misrepresentation under 15 U.S.C. 2301 et seq.

Federal Trade Commission Act : Violations of deceptive trade practices under 15 U.S.C. 4158.

Uniform Commercial Code ( UCC ) Article 2 : Concerns regarding the sale of goods and product misrepresentation.

Electronic Communications Privacy Act ( ECPA ) : Unauthorized tracking violates privacy protections under 18 U.S.C. 25102522.

Remedy Sought : I demand that the associated auto loan ( remaining balance of {$14000.00} plus accrued interest ) be canceled and forgiven immediately. I also seek damages in an amount equivalent to this balance for the fraudulent misrepresentation, deceptive sales practices, and privacy violations. 

I respectfully request that the Better Business Bureau investigate these claims and help facilitate a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. Ive asked the credit bureaus to provide proof of these errors, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my XXXX XXXX account ( ending in XXXX ) on my credit report. Currently, this account is being reported as a charge-off, but it should correctly reflect a paid-in-full status. 
XXXX XXXX and I reached an agreement that I would pay {$590.00} by XX/XX/XXXX, to resolve the account. I fulfilled my obligation by submitting a payment in that amount on the agreed-upon date. Despite this, my credit report does not accurately reflect this resolution. 
Additionally, I had a valid dispute regarding a {$230.00} charge related to a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The event did not proceed as advertised, and I was promised a refund by XXXX. When that refund was not received, I rightfully initiated a chargeback through XXXX XXXX. While XXXX initially credited my account, they later reversed the chargeback, leading to a prolonged dispute. However, despite these circumstances, I remained a responsible cardholdermaking on-time payments consistently since opening my account on XX/XX/XXXX. 
In XX/XX/XXXX, XXXX XXXX confirmed via email that their goal was to prevent my account from being charged off. A representative assured me that if I paid the agreed amount of {$590.00}, the account would be considered paid in full and would not reflect as a charge-off. This agreement was honored on my part, yet my credit report still inaccurately reflects a charge-off, which is unfair and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: AZ

Complaint narrative:
Dear Experian, I am writing to dispute the derogatory information reported by Experian on my credit file related to XXXX XXXX. 

Your report reflects a payment status of Current account/was 30 days past due date with a worst delinquency of 30 days delinquent. This information is inaccurate. I have always made timely payments as agreed, and I have never been 30 days past due.

Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), any disputed and unverifiable information must be corrected or removed within four business days. I demand immediate removal of this erroneous information and request an updated credit report reflecting accurate data.

Enclosed are supporting documents, including my payment records, to support my dispute. 

Thank you for addressing this matter urgently. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

2. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: AL

Complaint narrative:
I am filing a formal complaint regarding the credit bureaus refusal to remove a debt from my credit report that is unverifiable, as well as to report violations committed by the debt collector in this matter. 

Debt information and account number : XXXX XXXX The debt in question was purchased by a debt collector from my previous apartment complex. I requested validation of the debt from both the apartment complex and the debt collector. The apartment complex stated they could not provide any validation for the charges and directed me to the debt collector. When I contacted the debt collector, they admitted that the charges were unverifiable. 

Despite this admission, the debt collector has continued to report the debt to the credit bureaus. I disputed the debt with Equifax, TransUnion, Experian ], providing documentation showing the debt collectors admission that the charges were unverifiable. However, the credit bureaus have refused to remove the debt from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I believe the credit bureaus are obligated to ensure the accuracy of the information they report. As the debt is unverifiable and the creditor has failed to validate the charges, this debt is inaccurate and should not appear on my credit report. Additionally, I believe the debt collector has violated several provisions of the Fair Deb
t Collection Practices Act ( FDCPA ), including : 1. Failure to Provide Meaningful Disclosure of Identity ( 15 U.S.C. 1692d ( 6 ) ) The debt collector refused to provide their full name, which obstructed my ability to verify the legitimacy of the debt collection attempts.

2. Failure to Validate the Debt ( 15 U.S.C. 1692g ) Despite my request for debt verification, the debt collector admitted that the charges are unverifiable but continues to pursue collection efforts and report this debt to the credit bureaus.

3. Misrepresentation & False Information ( 15 U.S.C. 1692e ) The debt collector provided false and misleading information about the debt when they responded to my complaint filed with the CFPB, claiming the debt was valid when it was, in fact, unverifiable.

4. Unfair Collection Practices ( 15 U.S.C. 1692f ) The debt collector is attempting to collect a debt that has not been validated and is, therefore, unfair and illegal under the FDCPA.

5. Harassment or Abusive Conduct ( 15 U.S.C. 1692d ) During a phone call where I attempted to request information, the debt collector hung up on me without providing the necessary details regarding the debt, which I believe constitutes an abusive practice.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I take my financial privacy very seriously, so I was frustrated to see multiple inquiries from your company on my credit report that I never authorized. I have never applied for anything with your company, and I have no idea why these inquiries are showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It XXXX Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. Violation XXXX XXXX XXXX XXXX ( a ) Congressional Findings and statement of purpose - consumer 's right of XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section XXXX XXXX USC XXXX XXXX. Please remove from my credit report XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I am hereby requesting an investigation into these items and their removal from my credit report. I understand that you will verify these items with the respective creditor. Any information that the creditor can not validate should be promptly removed. I am aware that under XXXX XXXX. Sec. XXXX ( a ), this reinvestigation must be completed within 30 days upon receipt of this letter. 

Please send an updated copy of my credit report to the provided address. According to the aforementioned act, there should be no fee for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 

Thank you for your attention and assistance regarding 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 non-monetary relief
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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
Consumer complaint received 2025-03-25 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with explanation