vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ashton & Weinberg, Inc.
State: AK

Complaint narrative:
XX/XX/year> XXXX I received a call from a man stating his name was XXXX and he was hired by a company because I owe them money. I learned later by looking up XXXX email from the peerson who hired him that his name is XXXX XXXX and he works for Ashton and Weinberg from Rhode Island, NY. 
XXXX told me he had contacted my bank and knows my balances and that i have no other signers on my account, he started talking to me about my personal credit that he clearly pulled without my consent, he knew my credit card balances, my mortgage payment amounts and told me he personally spoke to my bank and that they told him personal things about my business account. Next he threaten me, told me he knew where I lived, and accused me of being a liar several times. He was yelling and screaming at me and did not give me a chance to speak. Everytime I tried to talk he spoke over me and would continue to speak to me in a very threatening tone. I was afraid for my life. I still am. I do not feel safe. He told me he was going to contact my venders and sue all of them and sue me. He never asked me to make a payment he just yelled. I hung up on him and he continued to call back. SCREAMIN at me at the top of his voice to SHUT UP. I have XXXX XXXX XXXX and have recently been to the hospital due to XXXX XXXX. I am light headed as I type this and am very afraid. 
I'm unsure what to do, but I need someone there to help me. I am a nice person who is going through a very hard time. I pray no one ever has to go through this in their lifetime. I reached out to XXXX XXXX with Unishippers who hired him and he didn't answer his phone, i left a voicemail asking him why he would do this. It was right after I had been screamed at and I was in tears. XXXX emailed me the saved voice mail and CC 'd XXXX on it and I was called crazy and OUT THERE. Im devastated that anyone could treat another human in this way. Never at one point was I asked to pay anything, I was just threatened by him and harrassed by multiple calls so I blocked his number. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MS

Complaint narrative:
Upon viewing my credit report, I noticed fraudulent accounts on my report. Please remove them as they are hurting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-03-27 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: NY

Complaint narrative:
This inquiry was made without my consent and are directly impacting my ability to secure loans and obtain credit. Your failure to take prompt action is unacceptable. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that only authorized, verifiable information appears on my report. If this inquiry can not be fully substantiated with documented proof of my authorization, they must be removed IMMEDIATELY. 
XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
{$700.00} bank transfer that never went through. Money was taken from my account on XX/XX/year>. Was supposed to go to XXXX XXXX. Spoke with several people in the Credit card department beginning XX/XX/XXXX and through the month of XXXX. Spoke with XXXX XXXX at local branch on XXXX. Spoke with XXXX XXXX on XXXX at local branch. Spoke with XXXX on XXXX in Credit card department. Spoke with XXXX on XXXX in Credit card department. Spoke with XXXX on XXXX in Credit card department. Still waiting for them to mail me a transmittal report to show proof of transfer. No results yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ok, so i had capital XXXX for XXXX  years going on XXXX  years this is my first ever credit card. Since i been a member with this bank i never missed a payment if anything i process the payments days before its due, they can verify and vouch that i never missed a payment. The issue im having with capital one is that i added a authorized user on my account for the better, never had a issue until XX/XX/XXXX, XXXX when i called to see what was going on they told me the account is closed due to a returned payment from her bank which is XXXX XXXX XXXX and they have daily limits.. so that's why they so 'called ' closed the account. i called capital one and told them i shouldn't be punish for a miscellaneous transaction that my authorized user did, i'm the primary owner of the credit card and this caused my credit to drop tremendously plus i have bills on the credit cards that needs to be paid. Its so important to me to pay my bills on time that I made XXXX payments after the account was closed. they did say I was eligible for a reopening but not guarantee, and I'm responsible for past due payments that I obvious cant pay because the account is closed but I already pay for the bills that's on the credit card out of pocket. I feel like this is unfair and would like to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX XXXX Account number XXXX. XXXX Account I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 
Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
XXXX XXXX XXXX : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. 
Removal or correction of the inaccurate information. 
An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 
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 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: DE

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have provided so I can have peace of mind moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: DE

Complaint narrative:
When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I dont know why. I routinely review my report, but this time, I noticed unexplained inconsistencies. I even tried refreshing my browser, hoping it was just an error, but the incorrect accounts were still there. Because of this, I am requesting a careful review of the documents Ive submitted so I wont have to worry about this again.

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 2025-03-27 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: DE

Complaint narrative:
I was shocked to see an unauthorized inquiry appear on my credit report today, and I have no explanation for it. I check my report frequently, and this unexpected discrepancy has left me frustrated and concerned. Even after refreshing my browser, the issue remained. I insist that my documents be thoroughly reviewed right away so this problem can be resolved once and for all.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NY

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 account listed without my expressed written consent.

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 2025-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I am filing a complaint against SoFi regarding misleading student loan lending practices. When I initially applied for a private student loan ( {$100000.00} ), I requested funding for XXXX years of tuition. However, SoFi only approved a loan that covered XXXX year without informing me that I would need to take out an additional loan the following year. 

Because of this, I was forced to take out a second loan at a significantly higher interest rate ( around 3 % higher than my original loan ). This was not properly disclosed to me at the time of my initial application. As a result, I now have XXXX separate loans with high interest rates, making my monthly payments unaffordable. 

I believe SoFi misled me about the loan terms, which has caused me financial hardship. I am requesting an investigation into this matter and potential remedies, including loan consolidation at my original interest rate or other relief. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-27 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-27 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: FL

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 agen
cy for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-27 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: DISCOVER BANK
State: NY

Complaint narrative:
XXXX out of the XXXX department I spoke with I received a message saying my card will be locked because of activity I called in told them im out of state and I need my card because that's the only money I have they told me that the department I need to speak with is closed I have to call back in the am which I don't have time to do because im out of state and I need my money to move around and travel they told me theaters nothing they can do I didn't ask these people to freeze my funds or my card. so basically they leaving me stranded with no money at XXXX on XX/XX/year> because the choose to freeze my funds which is all the funds I currently have. so Discover credit card company took my money and froze my account without my permission let me out of town with no money or other options.

Company response to consumer: Closed with explanation