vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$160.00} XXXX XX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$160.00} XXXX XX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$160.00} XX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$840.00} XX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} UNIVERSITY XX/XX/XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$770.00} XXXXXX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} XXXXXX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} XXXXXX/XX/XXXX # XXXXXX XX/XX/XXXX - Balance : {$10000.00}XX/XX/XXXX # XXXX XX/XX/XXXX - Balance : {$56.00} XXXXXX/XX/XXXX # XXXX - Balance : {$2200.00} XXXXXX/XX/XXXX # XXXX - Balance : {$1200.00} UNAUTHORIZED INQUIRIES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
On XX/XX/year>2024 I disputed an account with Experian because of inaccuracies that I found on the account. Experian came back and stated the account was verified but the error still remains on my credit report. 

If the account information comes from the same source, how is the date opened different on Experian and XXXX? XXXX has deleted the account so im not sure why Experian didn't delete the account as well. 

The date opened on this account is not accurate. I have included a copy of my credit report with the errors circled. The account was not verified correctly by Experian and this is a clear violation of my consumer laws. 

I am writing this complaint hoping that the CFPB can help me get these inaccuracies removed. This dispute process is bringing me so much stress. I need Experian to comply with the law and investigate this dispute properly. It's not fair 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 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute unauthorized fraudulent information appearing on my 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 explanation
Consumer complaint received 2025-01-30 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: ME

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 Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 an account with out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any following items of information any other adverse item 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 shall not furnish ant 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 non-monetary relief
Consumer complaint received 2025-01-30 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: ME

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 Account name : # XXXX, Account name : # XXXX, Account name : # CLQTSD, has violated my rights. 

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 an account with out my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any following items of information any other adverse item 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 shall not furnish ant 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 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I purchased a used vehicle from XXXX XXXX in XXXX XXXX. The amount financed was XXXX. XXXX XXXX submitted the information to Ally XXXX as a used XXXX XXXX XXXX. I never applied for a XXXX XXXX. We were sold a 2022 XXXX titan XXXX, and the lending company thought they financed a used XXXX XXXX. XXXX was aware they used predatory lending practices when they did a bait and switch to secure financing through Ally. XXXX XXXX is refusing change the terms of the loan to an appropriate amount for the truck I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my credit reports from XXXX XXXX on XX/XX/2025, and discovered multiple inaccuracies across Experian, XXXX, and XXXX. I disputed these errors, but the credit bureaus failed to properly investigate and correct them, violating FCRA 1681i. 

The following issues were identified on my credit report : My reports contain unauthorized variations of my name, address, and date of birth, which remain uncorrected despite formal disputes. My report includes inquiries without proof of permissible purpose, violating FCRA 1681b. These include : Experian : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Accounts such as XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ), and XXXX XXXX XXXX XXXX are inaccurately reported with mismatched account numbers, balances, and statuses across bureaus, violating XXXX XXXX compliance standards. The credit bureaus failed to provide verification or supporting documentation from furnishers and continue to report inaccurate and unverifiable information.

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 2025-01-30 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: NJ

Complaint narrative:
Under FCRA law section 605 B it is illegal to report any information without my permission on my credit report. XXXX, Transunion, XXXX they had all failed on their part I had sent documentation to them To get theses two accounts remove credit acceptance and credit collection services. I have been fighting with them about the first one for over three years, they fail to remove it without no documentation. And they fail to Remove the second one with no documentation of proof.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under FCRA law section 605 B it is illegal to report any information without my permission on my credit report. XXXX, XXXX, Equifax they had all failed on their part I had sent documentation to them To get theses two accounts remove credit acceptance and credit collection services. I have been fighting with them about the first one for over three years, they fail to remove it without no documentation. And they fail to Remove the second one with no documentation of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name was in a data breach so under law 15 USC 1681 I need all items on my credit report that have a negative affect on my credit report in a negative manner removed in 30 days. Because my right privacy has been violated due to the data breach my information was stolen.

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I am writing to formally request the removal of a collection account and any related inquiries from my credit report. The account in question has been resolved, and I am seeking to have it removed from my credit history as it no longer reflects my current financial status. 

Here are the details of the collection account that I would like to be removed : Account Name : AFFIRM Date Reported : XX/XX/year> Collection Amount : {$480.00} I have already settled or negotiated the outstanding debt, and I have attached [ proof of payment, settlement agreement, or any relevant documentation ] to confirm the resolution. Additionally, any inquiries related to this account should also be removed from my credit report, as they were based on outdated or incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request that inaccurate or outdated information be removed from my credit report. Since this collection has been resolved and no longer accurately reflects my creditworthiness, I respectfully request that it be deleted from my credit history. 

Please let me know if you require any further information or documentation to process this request. I would appreciate your prompt attention to this matter and a written confirmation once the changes have been made. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: MT

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint regarding Credit Karma and its misleading advertising practices, particularly concerning pre-approved offers. Since creating my Credit Karma account in XXXX, I have been regularly sent numerous " pre-approval '' offers for credit cards and loans, which, upon application, were consistently declined. These offers have led to multiple hard inquiries on my credit report, damaging my credit score despite the assurance of " pre-approval. '' On average, I received one or two pre-approval notifications per month, all of which implied a high likelihood of approval. However, after numerous attempts and rejections, it has become clear that these offers were not genuine pre-approvals but simply marketing tactics. This has caused significant frustration, stress, XXXX and unnecessary damage to my credit due to the inquiries from these failed applications. 

I believe this behavior constitutes false advertising and deceptive business practices, as Credit Karma presented these offers in a misleading manner, leading me to believe I had a strong chance of approval when this was clearly not the case. I depended on these outstanding approval offers to get caught up with my car payments after I was let go in XXXX. I never once got approved for anything, and now my car got repossessed and I owe {$17000.00}. 

I kindly request that the CFPB investigate these practices and take appropriate action to prevent other consumers from experiencing similar harm. I would also appreciate any guidance you can provide on how to address the damage done to my credit report as a result of these misleading practices. 

Thank you for your time and attention to this matter. I look forward to your response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have reached out to the company and the debt collectors to inform them that there are many fraudulent accounts that have been placed into my credit report. I have contacted the identity theft. Gov and got a notarized letter to send off to the agencies. My information was involved in a data breach which as a result have caused some horrible issues and concerns. I have tried contacting the for several months with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
XXXX adjustment XXXX was open in my name in all XXXX credit reports exprian, XXXX, TransUnion in XX/XX/year> its a collection account balance is XXXX I never give my consent to open this account my information has been compromised due to identity theft would like this account removed asap 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 non-monetary relief
Consumer complaint received 2025-01-30 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.|

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit company constantly did not remove or investigate incorrect information on my credit report after I disputed them several times.

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 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
I submitted a PSLF reconsideration/buyback request on XX/XX/XXXX. At that time, I was told to expect approximately 45 days of processing time before receiving a buyback offer. Since that time, I have contacted MOHELA/Federal Student Aid on multiple occasions and have received inconsistent or incomplete information regarding the timeline for processing, or indeed whether processing was occurring at all. Dates of contact have included XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Due to lack of feedback regarding the first buyback request, I filed a second request on XX/XX/XXXX. With no updates regarding processing time, I submitted a complaint directly to student aid and received a response on XX/XX/XXXX. The only information able to be provided at that time was According to our records your PSLF buyback reconsideration case ( s ) are currently under review. Unfortunately, we do not have a timeframe for your reconsideration to be completed.

Follow up communication from student aid agents have, at various points, included amending the expected processing time to 45 business days, 100 business days plus a 4 to 10 week processing delay, or in the most recent communique no estimated timeline whatsoever. I was also told that, although there are agents dealing with buyback requests, there is no way to contact any of them directly, no phone number or department I could contact that deals with these requests directly, and that no managerial or supervisory staff would have any additional information to guide this process.

Further, independent groups tracking data points related to buyback timelines suggest that individuals on SAVE forbearance may not be receiving buyback offers for these months while other loan types are being processed more expeditiously. This, of course, can not be corroborated by FSA staff as they express having no direct knowledge of the buyback process.

Transparency in communication is vital to an informed consumer. If buyback requests are not being processed for individuals in SAVE forbearance, this has financial implications for borrowers. Those individuals may choose to move to a different repayment plan and to pay a higher amount rather than attempt buyback. Similarly, if an individual assumes that buyback requests are being processed in a timely manner, they may choose to remain in a forbearance and prolong the forgiveness process, ultimately impacting their employment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I got home from XXXX after half the year of being gone working and tried to access my chase checking account to deposit my work funds when I found out it was closed. I called and filed a claim that day the claim number is XXXX they told me they could only refund to the amount of XXXX dollars they verified everything and I submitted a police report number and everything they asked for. It was verified and approved and I was told a check was being mailed out to me to the address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They also told me to open a saving account so that if I would rather the money just be deposited into the savings they could do that also. Which I did. I went through multiple departments of being verified and each time they told me the claim credit is processing to your account and within 24 hours you will have access to it. I waited and then nothing they even closed my current savings. Then I went through a agent named XXXX  from retail escalation front line at XXXXXXXX XXXX  XX/XX/XXXX then waited for the other department to open and called at XXXX XXXX  XX/XX/XXXX then transferred me to XXXX online tech who transferred me electronic movement team then at XXXX XXXX  fraud o line department sent a code to me at XXXX verified the pin and XXXX they re activated my online profile because I was told that they denied my claim on the XXXX well it wasnt even the XXXX yet it was only the XXXX!!!!! I had the irs deposit my federal refund and my state refund into that account and I have never used that card it was left at my XXXX  house on my desk for the next tax year deposit. These charges are all fraudulent and were not made by me but by a guy named XXXX XXXX who broke into my home and stole multiple items included bank information and cards and checks. He has made these charges and gets to walk away free from everything while I work my XXXX off as a single mother of XXXX and now my rightful money is not being returned to feed my children and I.

Company response to consumer: Closed with explanation