vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have no contract, promissory note, or wet-ink signature agreement on file with Jefferson Capital , nor have I ever received a valid statement or sworn affidavit from them verifying the alleged debt and the lawful basis for the charge-off.Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2, I am exercising my right to dispute inaccurate, incomplete, or unverifiable information being reported on my credit report.I demand that they immediately delete this unverifiable and possibly fraudulent entry, as failure to do so constitutes willful noncompliance with the FCRA, and subjects the reporting party to civil liability.This is a formal dispute and notice of claim. I am requesting all validation of the alleged debt from the original creditor, including : A copy of the original contract with my signature, Itemized billing history, Proof of the creditor 's ownership of the debt, Proof of lawful charge-off per GAAP and IRS rules, If the alleged debt can not be fully validated within 30 days of receipt of this affidavit, I demand that it be permanently deleted from my credit file and all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: UT

Complaint narrative:
I got a background check ran on myself for employment purposes and paid for it out of pocket it was only {$1.00} for the report so I figured why not, Everything was fine but a few days later they tried to charge my account again without authorization for {$20.00} which is significantly more and it stuck out as a red flag to me. It seemed like a Utah state government site but now I have my doubts. They have sent me emails and they're coming from a sender XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
NEW FTC STATEMENT These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX XXXX Balance : {$7800.00}, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> & XXXX XXXX XX/XX/year>

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 2025-04-05 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: OH

Complaint narrative:
Subject : Dispute of Fraudulent Account on Credit Report Due to Data Breaches Dear Sir or Madam, I am writing to formally dispute a fraudulent account appearing on my credit report : XXXX : {$29000.00} I believe this unauthorized account resulted from multiple data breaches, including those involving Equifax, XXXX and XXXX XXXX and XXXX XXXX and the XXXX XXXX XXXX. 

XXXX Grounds for Dispute : Violation of 15 U.S.C. 1681i : Mandates that credit reporting agencies promptly investigate and correct inaccurate information upon notification. 
Violation of 15 U.S.C. 1637b : Requires clear disclosure of credit terms to consumers, which was not adhered to in this fraudulent account.

Violation of 15 U.S.C. 1681s-2 : Obligates furnishers of information to ensure the accuracy of data provided to credit reporting agencies. Reporting a fraudulent account breaches this obligation. 

Request : I respectfully request the Consumer Financial Protection Bureau to : Investigate the unauthorized CREDITACPT account. 
Ensure its immediate and permanent removal from my credit report. 
Confirm that all actions comply with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this fraudulent account has been permanently removed from my credit report. 

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 2025-04-05 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: AR

Complaint narrative:
I have sent multiple letters to XXXX, Experian, and XXXX. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry ( s ) : Date of Inquiry ( s ) : Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. 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 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 2025-04-05 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: TN

Complaint narrative:
Subject : Disputing Inaccurate Reporting of Late Payments and Balance - XXXX XXXX To whom it may concern, I am filing this complaint due to inaccurate and misleading reporting on my credit file that has caused serious harm to my credit score and financial opportunities. 

For an extended period, the account in question has been reported to TransUnion as having a {$0.00} balance. Based on that reporting, I believed the account was resolved. Despite the {$0.00} balance, the creditor has continued to report over two years of consecutive late payments, which is not only inconsistent but impossible a person can not be late on a {$0.00} balance.

I did not receive any notices by mail or otherwise informing me of an outstanding balance in the past one to two years. I submitted multiple disputes, but each time was told that both the {$0.00} balance and the late payments were accurate. This is logically and factually contradictory. 

After many failed dispute attempts, I contacted the company directly. Only then did I learn that there was, in fact, a remaining balance which confirms that the {$0.00} balance reporting was incorrect all along. I am now working to pay off the balance in full, but had the information been reported correctly, I would have addressed the issue much sooner. This is not a fair credit reporting practice and has caused me difficulty in finding a home. 

This inaccurate reporting appears to violate the Fair Credit Reporting Act ( FCRA ), specifically : Section 607 ( b ) requiring furnishers to provide accurate and up-to-date information.

Section 623 ( a ) ( 1 ) ( A ) prohibiting the reporting of information known to be inaccurate. 

Given the fact that I was shown as late on a balance that was being reported as {$0.00}, I am requesting that the reported late payments be removed entirely. It is not possible to be late on a zero-dollar balance, and this misreporting has had damaging effects on my creditworthiness. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/year> / Last XXXX of XXXX XXXX Unknown as I have no mail.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive repeatedly been charged with excessive over draft fees and other penalties

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I opened an account with Affirm and unfortunately fell behind on payments due to financial hardship. Im now currently unemployed and trying to get back on my feet, but during that time, I did the best I could to take care of what I could financially. I acknowledge my part in falling behind, but Ive also tried to make it right. 

Whats upsetting is that this Affirm account is still being reported as charged off with a past-due balance on XXXX, even though the account was resolved. Its showing negatively and that doesnt reflect where things actually stand. It feels like Im being punished twicefirst for falling behind, and now for trying to move forward. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of data must ensure that what they report is accurate and up to date. I dont believe this account is being reported fair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: AZ

Complaint narrative:
On or about XX/XX/XXXX, my personal and financial information was compromised without my authorization or consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated Higher Education laws, the Privacy Act of XXXX, and the Family Educational Rights and Privacy Act ( FERPA ). XXXX did not have my consent to access my data, nor did they have government clearance, and they still accessed my data. They are not employees of nor are they authorized parties to the Department of Education or any of the loan servicers. One or more of the employees are known hackers and have leaked classified information as well as proprietary company information. Some or all of the individuals have vested interests in other countries as they are not American born citizens or have dual citizenship with multiple countries. The Department of Education and any federal loan servicers are required to protect my data and not allow unauthorized access to anyone whatsoever without explicit 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 2025-04-05 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: AZ

Complaint narrative:
On or about XX/XX/XXXX, my personal and financial information was compromised without my authorization or consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated Higher Education laws, the Privacy Act of XXXX, and the Family Educational Rights and Privacy Act ( FERPA ). XXXX did not have my consent to access my data, nor did they have government clearance, and they still accessed my data. They are not employees of nor are they authorized parties to the Department of Education or any of the loan servicers. One or more of the employees are known hackers and have leaked classified information as well as proprietary company information. Some or all of the individuals have vested interests in other countries as they are not American born citizens or have dual citizenship with multiple countries. The Department of Education and any federal loan servicers are required to protect my data and not allow unauthorized access to anyone whatsoever without explicit consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: AZ

Complaint narrative:
On or about XX/XX/XXXX, my personal and financial information was compromised without my authorization or consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated Higher Education laws, the Privacy Act of XXXX, and the Family Educational Rights and Privacy Act ( FERPA ). XXXX did not have my consent to access my data, nor did they have government clearance, and they still accessed my data. They are not employees of nor are they authorized parties to the Department of Education or any of the loan servicers. One or more of the employees are known hackers and have leaked classified information as well as proprietary company information. Some or all of the individuals have vested interests in other countries as they are not American born citizens or have dual citizenship with multiple countries. The Department of Education and any federal loan servicers are required to protect my data and not allow unauthorized access to anyone whatsoever without explicit 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 2025-04-05 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX DL : XXXX DOB : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( hit, run and stall suspect ) hit the XXXX XXXX XXXX XXXX XXXX Number : XXXX Battleship Grey and Brand fog lights and tinted windows used for employment/travel to areas of dim lights for Healthcare and XXXX Care XXXX XXXX XXXX and XXXX XXXX insurance fraud Scam and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. Both were conspiring to staela the vehicle at point of delivery to the XXXX XXXX XXXX. Company immediately started the unlawful title theft of the XXXX XXXX Theft per ALLY and XXXX 's XXXX  XXXX XXXX, Ca after the immediate AAA insurance approval for body repairs. XXXX never added her name to the insurance claim per statement from XXXX XXXX. I was the primary victim, called police and EMT for the suspect and reported incident to XXXX. The XXXX XXXX  refused the insurance after confronting the XXXX insurance due to the other victim 's paid months ago. The XXXX  XXXX  stated to keep the vehicle in the shopo for repair to avoid storage fees. The vehicle had been in attempts of auto recovery from XXXX XXXX XXXX after the elements of vehicle theft in progress XXXX XXXX XXXX, XXXX XXXX, ca XXXX. The vehicle had been unlawfully embezzled from the XXXX XXXX XXXX, XXXX XXXX, Ca XXXX and transferred to XXXX, Ca XXXX XXXX XXXX XXXX XXXX, XXXX, Ca and placed on XXXX for an illegal sale. I immediately conmtacted the several car dealers associated with the XXXX and reached a representative from XXXX. The representstive agreed to release the XXXX XXXX XXXX with a police report XX/XX/XXXX. The XXXX XXXX XXXX XXXX from XXXX provided the police report to retirve vehicle. XXXX XXXX XXXX received many calls notifying them of back-up service for the recovery when arrival would occur after a XXXX XXXX XXXX. Incident : ( XXXX. XXXX stole vehicle with XXXX male officers in a fraud scam after arriving with police report ) XXXX primary XXXX asserted discriminatory criminal threats and folded the police report and did not read it at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca. I left without vehicle to avoid a dangerous outcome, XXXX and bodily harm. XXXX.XXXX  provided personal reasons for stealing the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Orions Management Group, LLC
State: LA

Complaint narrative:
Per 15 USC 1681i, you must verify data accuracy. If not licensed in Louisiana and without my written consent, you may not collect or access my info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: VA

Complaint narrative:
I made an order through a XXXX ad. Soon after making my order, I realize that I was unable to click view my order it was saying order not found. I contacted the merchant and heard nothing back. In the order email it says my order is shipped XXXX and it has the XXXX logo. I tried to track it through XXXX. It said order not found. I tried to track it through XXXX. It says order not found. I even tried to track it through XXXX just in case it said order not found. I then click the website that it directed me too when it says view your order and then I tried to email the support on that website and it said message failed to send twice. I then contacted the merchant twice More and heard nothing back. Then a shipment email comes, and I clicked the tracking number. It leads me to a XXXX tracking service that says order not found. It is now been over three weeks when I try to get a refund from Cash app even though I sent proof they denied it. I did another dispute and they denied it. With both dispute, I asked for the information from their investigation due to the fact that I was denied because they said the merchant fulfilled their goods and services, which they didnt. Cash app will not give me the paperwork on the investigation, even though it says in the email I can reach out to support to get it. The only thing I have gotten is a bunch of reference numbers for my complaint, but I still have not gotten the documents that I asked for. I know for a fact I was scammed and I should be entitled to do a refund when I did not receive anything. The reason Im putting this in now is because I was just denied my second dispute and I know if I do a third cash app will try to close my account which is fine but until I get my money back, Im not trying to let that happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : 1.XXXX  Open date : XXXX XXXX, 2.XXXXXXXX XXXX XXXXXXXX date : 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Creditor listed as SLOAN/NELNET shows 2 missed payments for all accounts. This is inaccurate, as these loans were under the federal student loan forbearance program from XXXXXXXX XXXX These are federally backed student loans that the government put on forbearance, it is impossible for there to be late payments. This was disputed with XXXX who failed to complete an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Penn Credit Corporation
State: PA

Complaint narrative:
Penn Credit Crop and XXXX XXXX XXXX is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions Penn Credit Crop and XXXX XXXX XXXX was informed THE FOLLOWING account information being FURNISHED to Penn Credit Crop, and XXXX XXXX XXXX and reported by Penn Credit Crop and XXXX XXXX XXXX is in fact inaccurate and they continue to report. Penn Credit Crop and XXXX XXXX XXXX  is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts ( include accounts ) In addition, Penn Credit Crop and XXXX XXXX XXXX was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXX There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. Collection and XX/XX/2024 and XX/XX/2024

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation