vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
My account from XXXX XXXX/chime account was closed on or about XXXXXXXX XXXX  When I contacted customer service over 10 times about reimbursement they were evasive and on recorded line lied multiple times about issuing check and different documents needed to issue reimbursement ultimately they said they would not be returning my money/reimbursement of close account of about {$650.00} when asked why they said they could not provide any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TSG Collections, LLC
State: NY

Complaint narrative:
On XX/XX/year> I received a letter from TSG Collections, LLC., XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX NJ XXXX, XXXX, XXXX threatening to report a medical debt to a credit reporting agency. This letter was dated XX/XX/XXXX, a day after your rule against such reporting become final. The letter stated " This office has not received payment on the above. YOUR CREDIT IS IMPORTANT! If we do not receive payment, we may recommend that this debt be reported on your credit. This could have a negtive effect on your credit for as as SEVEN ( 7 ) YEARS! Without a good credit score you might not be able to get a credit card, rent an apartment or buy a car or a house. '' The letter was signed by XXXX XXXX for TSG Collections , LLC. 
When I called the TSG the representative said they knew they could not legally report the alleged debt to a credit reporting agency and they did not have the intention to do so. This is clear harassment as I do not owe the medical debt they claim and they are just trying to harass people for payment they are not entitled to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
XXXX XXXX XX/XX/year>1974 ( soc XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: AL

Complaint narrative:
My information was compromised in a data breach and there are collections on my credit report that I have known a lot of they have not been able to send me a purchase agreement. They have not been able to send either the original contract pay me history, proof of ownership or the original creditor name, address and phone number I would like these removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and 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 2025-01-13 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: FL

Complaint narrative:
Never received any compensation or information on Equifax lawsuit I was sign up to never received any new information or haven't received a prepaid card like I was told

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute to Experian on account XXXX XXXX XXXX, Account number XXXX. 

I received a response from Experian 24 hours later stating that all information reporting is accurate, which tells me that Experian did not follow the law of proper investigation. There is no way that they can complete a proper investigation in a 24 hour time period.

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 2025-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I have made several attempts to cancel my account to no avail. 
I have been trying to cancel the account for 2 months. 
I have not been able to talk to anyone I have called several times, but no one is available to cancel, and never received a callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I believed the economy was challenging, but after reviewing my credit report, its evident that the inaccuracies there are far worse. My report is filled with incorrect information, which is causing me immense stress and frustration. Its deeply disheartening to deal with this, especially when these errors are affecting my credit score so severely. The situation feels overwhelming, and I cant help but feel defeated knowing that even seeking professional help for the stress would be impossible, as my cards might be declined due to the damage caused by these inaccuracies. As a consumer, I have the right to an accurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
The debt collector listed have reported debt to my credit report without providing the legally required notices under the FDCPA. I have not received any written validation of the debts or proof of their right to collect. These actions have harmed my credit profile and caused undue stress. I am requesting validation of these debts, including proof of notice, tracking numbers, and legal agreements showing their right to collect. These derogatory accounts have lowered my credit score, making it difficult to access essential credit opportunities. The lack of proper communication has caused undue stress and confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
What happened? 
I am submitting this complaint regarding an issue with XXXX XXXX XXXX. While I was serving in the military and working on the border, my vehicle was repossessed by XXXX XXXX despite being protected under the Servicemembers Civil Relief Act ( SCRA ) and related military protection laws. These laws provide specific protections to active-duty military personnel to prevent such actions without proper court authorization. 

The repossession occurred while I was actively using the vehicle for my military duties, which added significant hardship to my service responsibilities. This action appears to be a clear violation of federal military protection laws that are designed to prevent financial exploitation of service members during their XXXX XXXX. 

I took steps to notify XXXX XXXX of my military status and rights under the SCRA. Despite this, they repossessed the vehicle and failed to follow the legal procedures required to protect service members. Additionally, the repossession has negatively impacted my credit report, and the entry remains unresolved to this day. 

Dates, amounts, and actions taken : I was an active-duty member of the military during the time in question. 
My vehicle was repossessed by XXXX XXXX in XXXX, XXXX, despite my protections under military laws. 
I attempted to address this issue with XXXX XXXX, but they did not take corrective action to resolve the matter. 
The repossession has been reported on my credit report, causing long-term financial damage.

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 2025-01-13 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: GA

Complaint narrative:
I reviewed my most recent credit report from Equifax and noticed some accounts that are on my consumer credit report that I didn't recognize but had several violations according to the FCRA. One being the account with XXXX XXXX XXXX ACCOUNT # XXXX AND the other one being XXXX XXXX XXXX ACCOUNT # XXXX. They are in direct violation of 15 U.S.C. 1681s-2 ( b ) and U.S.C. 1681e ( b ) of the FAIR CREDIT REPORTING ACT ( FCRA ), which requires credit reporting agencies and furnishers of information to maintain complete accuracy in consumer reporting. i will attach the inaccuracies of both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I made a purchase through Affirm for a set of tires on XXXX in XX/XX/year>. The tires turn out to be defective so after week of walking with XXXX they agree to refund me the purchase. 
Their poor customer service make numerous mistakes and instead of refund the entire order, they processes partial order. 
After multiple attempts they finally refunded the remainder {$150.00} on XX/XX/year>. 
Just before that I had filed a dispute with Affirm as well because I was still being billed for the purchase. 
It is now 21 days since XXXX refunded the purchase and Affirm still has yet credit the loan and refund me the overpay of of aprox {$130.00}. 
I reached out to affirm " 3 '' times now since XXXX refunded the remaining balance and I kept being either lied to or being told they are doing something to escalade the case and I will hear from some one in 3-5 days. 
21 days later I have not hear from any one. Each time I can only reach them by chat and they lied about some " relevant team ''. 
Today they change the name to " resolution team ''. On top do the fact they end the chat prematurely also. I didn't even finish the chat they just went and end the chat when confronted of the lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-13 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: CBC Companies, Inc.
State: TN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
At XXXX on XX/XX/XXXX XXXX XXXX XXXX, my purse was stolen off of the dinner table at XXXX XXXX XXXX XXXX front of my eyes. I immediately cancelled debit and credit cards with four banks ; XXXX XXXX, XXXX XXXX, XXXX and Sofi. I received emails for all banks except Sofi confirming the cards were frozen and/or cancelled. I called Sofi general customer service line and the representative affirmed that the card had been frozen. I asked for an email confirmation and they said they are not authorized to do that. 

Later in the evening, five transactions went through on that Sofi account. I called customer service was was told that those transactions were all denied and that my card was frozen. 

On XX/XX/XXXX those five transactions were posted totaling {$650.00}. All other banks called, texted, and emailed be each time the cards were attempted to be used to communicate that they had blocked the charges and to ask me to authorize them or not. Sofi continued to allow the charges to go through. 

I have now spoken to seven Sofi representatives to dispute the charges. They will not give me a case number or any email confirmation or information in writing that I have filed disputes. They say they are not authorized to do that. They state that they have replaced my card but not frozen them. They state that they will work with the merchants of each of the charges to see if the can recover any funds. Each charge 'merchant ' is listed as a generic card reader. They stated they would send me an email in 10 days. They are giving me no evidence or proof that I have ever called, cancelled, or filed a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MS

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with non-monetary relief