vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX - BALANCE {$2300.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX BALANCE {$1600.00} - DATE OPENED XX/XX/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 2025-02-22 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: Klarna AB
State: TX

Complaint narrative:
Well you know they can't deny me credit for being a consumer is not it's not a credit transaction never do it was a consumers credit transaction but the thing is you're you're breaking the the codes that you were supposed to go by which is the the whole consumer unlimited credit thing for the for the karma thing so you can pay pay later but you know you still have to pay for installment payments and and so in a denied me my unlimited a portion of my unlimited credit so with that being said is you know you're supposed to follow through the codes of of the and that's why I have requested to speak to the underwriter and they told me to contact you and I just wanted to bring the codes up to y'all which is cold title XXXX subtitle XXXX XXXX faults and misleading in the XXXX of my own credit and so with that being said and then I just want to a list of all the factors that were involved in this consumer transaction not a credit transaction a consumers because all I wanted was access to a portion of my unlimited credit and and you're not in how you going to tell me that {$500.00} is my credit no unlimited credit is unlimited credit so my credit score doesn't got nothing to do with that so with that being said I need to be able to access this now I need the list of all the factors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX XXXX a resident of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : 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. Security Freeze Request : a. I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID. 
b. A copy of a recent utility bill or bank statement confirming my current address. 
c. A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX 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 2025-02-22 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 HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
Your Name Your Address City, State, ZIP Email Address Phone Number Date Credit Reporting Agency Name Address City, State, ZIP Subject : Dispute of Inaccurate Information under FCRA Section 1681XXXX Dear Sir/Madam, I am writing to formally dispute certain information in my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, which allows me to challenge inaccurate or incomplete information. 

Upon reviewing my credit report, I found the following errors that I believe are incorrect and need to be rectified : Disputed Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not know these accounts. 



Under Section XXXX of the FCRA, I request that you investigate this matter promptly and correct the erroneous information. Please notify me of the outcome of the investigation and any updates to my credit report. 

If this matter is not resolved within the required time frame or if the information is not corrected as required under the FCRA, I will consider pursuing further action as outlined under Section 1681o, which may include seeking damages for any willful noncompliance. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the dispute and resolution. 

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 non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXXXXXX XXXX is still reporting an old closed account on my credit report in the amount of {$340.00}, which is older than XXXX XXXX XXXX. This is illegal and I want this item removed. I have already disputed this item multiple times and they unlawfully continue to keep it on my 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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX is still reporting an old closed account on my credit report in the amount of {$340.00}, which is older than XXXX XXXX XXXX. This is illegal and I want this item removed. I have already disputed this item multiple times and they unlawfully continue to keep it on my 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 2025-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Point Digital Finance, Inc.
State: CA

Complaint narrative:
Point Digital Finance masquerades as a investment partner who buys a small percentage of your 100 % owned real estate property based on their low appraisal. They say its not a mortgage loan and no monthly payments, but yet after signing docs in XX/XX/scrub> 2021, the next day I received email stating they sold my loan or interest to a corporation. Months later, I then started receiving tons of embarrassing unwanted mortgage protection letters stating public property records of a XX/XX/year> recording show this as a mortgage loan through Point, which is serviced by XXXX XXXX. I been lied to and taken advantage as I now receive payoff statements of higher amount than the original loan amount as my property value continues to grow. They now control basically everything as a so called joint ownership aka investment partner, for a small loan stake. Since Im deaf, I have only communicated through emails and texts since I received their solicitation back in summer of 2021. The only person I met in person was the notary agent they sent out to me in XX/XX/scrub> 2021 who filled in the dates and my name on most of the documents. Honestly I didnt fully understand what I was getting into as they casually state this is not a loan and there are no payments which caught my attention. But they never warned me about all the rights I would be giving up for the small investment amount borrowed. It is now revealing that they are stealing my equity on top of the original loan amount that makes me feel taken advantage of and misrepresented during the loan transaction. Had I been advised this to be high interest rates and unreasonable loan terms then I would had never done it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: MA

Complaint narrative:
Subject : Complaint Regarding Predatory Lending Practices by Bankers Healthcare Group ( BHG ) Loan # XXXX To : Consumer Financial Protection Bureau I am writing to file a formal complaint against Bankers Healthcare Group ( BHG ) concerning predatory lending practices related to my loan, # XXXX, which I used to pay off my credit card debt. I have documented several concerning practices as follows : 1. Misrepresentation of Loan Purpose and Requirements False Business Representation : I originally applied for a debt consolidation loan specifically to pay off my credit card debt. However, BHG representatives instructed me to falsely claim that the loan was for a medical business, despite my clear financial need for debt relief. 
Contradictory Documentation : The loan documents indicate that my transaction was classified as Non-Healthcare, yet I was explicitly told over the phone to misrepresent the loans purpose to secure approval.

2. Predatory Terms and Restrictions Automatic Payment Mandate : The loan requires that payments be automatically withdrawn from my checking account.

Prepayment Restrictions : I am prohibited from prepaying the loan for the first 48 months, which significantly limits my ability to manage and reduce my debt. 
Exorbitant Interest and Fees : The loan carries an interest rate of 17.99 %, resulting in a total repayment of {$63000.00} on a principal of {$35000.00}. Additionally, I was charged a {$2900.00} documentation fee and a {$2100.00} Optional Limited Personal Guaranty fee. 
Extended Loan Term Requirement : I was informed over the phone that I must maintain the loan for a minimum of XXXX years before I could request a payoff amount, effectively locking me into an excessively long-term commitment. 
3. Aggressive Marketing Practices Cycle of Debt : I have been repeatedly and aggressively marketed to refinance this loan with another BHG product. This strategy appears designed to create a cycle of debt similar to practices observed in payday lending. 
4. Credit Reporting Misrepresentation False Assurance on Credit Reporting : I was assured that the loan would not appear on my credit reporta misleading tactic intended to downplay the negative impact of the loan and encourage borrowing. 
The loan documents ( Agreement # XXXX ) clearly support these claims. I respectfully request that the CFPB investigate these predatory practices and take appropriate action to safeguard consumers from similar deceptive lending schemes. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: IL

Complaint narrative:
I am formally disputing the following inaccurate and unauthorized account appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: IL

Complaint narrative:
I am formally disputing the following inaccurate and unauthorized account 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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX  a account that has been closed and paid in full for over a year was reported on my credit as delinquent The car was paid in full XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX  a account that has been closed and paid in full for over a year was reported on my credit as delinquent The car was paid in full XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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 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 XXXX 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 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 non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. thanks. 
XXXX XXXX XXXX -XX/XX/XXXX-2024 XXXX XXXXXX/XX/XXXX-2024 XXXX XXXX - XXXX-2024 XX/XX/XXXXXXXX2024 XX/XX/XXXX -XX/XX/XXXX-2024 XX/XX/XXXX - XXXX-2024 XX/XX/XXXX -XX/XX/XXXX-2024 XX/XX/XXXX XX/XX/XXXX- XXXX-2024 XX/XX/XXXX- XXXX-2024 XX/XX/XXXX -XX/XX/XXXXXX/XX/XXXX-2024 XXXXXX/XX/XXXXXX/XX/XXXX-2024

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 2025-02-22 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: FL

Complaint narrative:
These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. thanks. 
XXXX XXXX XXXX -XX/XX/XXXX-2024 XXXX XXXXXX/XX/XXXX-2024 XXXX XXXX - XXXX-2024 XX/XX/XXXXXXXX2024 XX/XX/XXXX -XX/XX/XXXX-2024 XX/XX/XXXX - XXXX-2024 XX/XX/XXXX -XX/XX/XXXX-2024 XX/XX/XXXX XX/XX/XXXX- XXXX-2024 XX/XX/XXXX- XXXX-2024 XX/XX/XXXX -XX/XX/XXXXXX/XX/XXXX-2024 XXXXXX/XX/XXXXXX/XX/XXXX-2024

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 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC
State: IN

Complaint narrative:
My issue with this company is that I received a letter which was dated XX/XX/XXXX I did not receive this letter until XX/XX/XXXX also this letter was opened they didn't even seal it. I never had the opportunity to dispute this debt in writing due to this company 's failure to send it at the appropriate time it was also unprofessional on the part of the company to send the letter opened.

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 2025-02-22 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: KS

Complaint narrative:
This account is Identity theft, XXXX has been informed multiple times. XXXX has misled in regards of the fraud process, documentation proving identity theft was provided and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated to said address. This is discrimination and misleading on XXXX part, I am now being harassed my XXXX, XXXX have failed to resolve correctly. This is also racism as I am XXXX. I have been more than cooperative, providing every document requested by XXXX yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and XXXX needs to be stopped. 
Additionally all credit bureau XXXX, EQUIFAX, XXXX violated the Fair Credit Reporting Act. 
XXXX, EQUIFAX, XXXX, XXXX are negligent non-compliance, 15 U.S.C. 1681o. 
Please delete this account immediately from my credit reports.

Company response to consumer: Closed with explanation