vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I have not received any clear documentation or notification from the original lender, confirming the sale or transfer of the debt. Despite this, the debt collector has contacted me regarding payment and has also reported the debt to the credit bureaus, negatively impacting my credit score. 

I requested validation of the debt from the collection agency, but they have not provided proper proof of ownership of the debt or details about how the balance was calculated. I do not believe I should be held responsible for this debt, as I do not have a direct contractual agreement with the debt collector. 

I am requesting that the CFPB investigate whether the debt collector has followed proper procedures under the Fair Debt Collection Practices Act ( FDCPA ) and ensure that the debt collector provides proper validation of the debt. If they are unable to provide sufficient documentation, I request that the debt be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. $ XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions XXXX also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administrative proceeding. 
( XXXX XXXX. XXXX ) against them for similar violations. request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt

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 2025-01-28 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: TX

Complaint narrative:
I want reported accounts removed. 

Issues with Equifax Credit Report XXXX XXXX XXXX ( Charge-Off ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ) :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have XXXX XXXX for 13 years, and my credit is not getting any better. I can't even get a car without very high % rate and can't even think about a house. I think my credit needs to be clean up I don't owe anyone that I'm not paying.

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 2025-01-27 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: TX

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a complaint against Chime Financial for failing to address a fraudulent account that was opened in my name without my consent. On XXXX/XXXX/2023, an account with the following details was fraudulently opened using my stolen personal information : Account Number : XXXXXXXX Bank Routing Number : XXXX Bank Name : The XXXXXXXX XXXX, XXXX XXXX This account was created without my authorization using personal information that was compromised in the XXXX data breach, including my Social Security number, drivers license, and date of birth. 

I became aware of this fraudulent account when it appeared on my XXXX  consumer report and began taking steps to dispute it immediately. Despite submitting an FTC Identity Theft Report ( # XXXX ) and a police report ( XXXX XXXX XXXX XXXXXXXX ) to prove the fraudulent nature of the account, Chime has refused to take corrective action. The account remains active in their system and continues to harm my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2025-01-27 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:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been filing complaints to correct my address, my phone number and my email... Nothing gets done The only company that I am able to log onto the website and see my report is Transunion. 

XXXX I have called for months, AI prompt will not allow you to speak to an agent and being that they do not have my correct phone number listed I can not recieve the code for verification. 

XXXX you speak to agents they have to send you a link to upload your License and take a selfie, which works, but then they say they cant verify me because my phone number. I have tried, been patient and I am getting the run around. PLEASE PLEASE PLEASE UPDATE MY INFORMATION SO THAT I MAY LOG INOT MY ACCOUNTS NAME : XXXX XXXX XXXX PHONES : XXXX OR XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX EMAIL I AM CHANGING SO THAT I CAN START A CLEAN SLATE XXXX this is a draining process. I have tried and tried to get into my accounts with no success. 


XXXX EVEN ACKNOWLEDGES THAT IT RECEIVED DOCUMENTS IN XX/XX/year> FROM CFPB BUT WONT UPDATE MY ACCOUNT

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been filing complaints to correct my address, my phone number and my email... Nothing gets done The only company that I am able to log onto the website and see my report is XXXX. 

XXXX I have called for months, AI prompt will not allow you to speak to an agent and being that they do not have my correct phone number listed I can not recieve the code for verification. 

Equifax you speak to agents they have to send you a link to upload your License and take a selfie, which works, but then they say they cant verify me because my phone number. I have tried, been patient and I am getting the run around. PLEASE PLEASE PLEASE UPDATE MY INFORMATION SO THAT I MAY LOG INOT MY ACCOUNTS NAME : XXXX XXXX XXXX PHONES : XXXX OR XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX EMAIL I AM CHANGING SO THAT I CAN START A CLEAN SLATE XXXX this is a draining process. I have tried and tried to get into my accounts with no success. 


XXXX EVEN ACKNOWLEDGES THAT IT RECEIVED DOCUMENTS IN XX/XX/year> FROM CFPB BUT WONT UPDATE MY ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX did not provide me a XXXX release my medical information to them, therefore by providing such information they are violating my XXXX rights.

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 2025-01-27 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX did not provide me a XXXX release my medical information to them, therefore by providing such information they are violating my XXXX rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CO

Complaint narrative:
My Cash app account is in the negative because of fraud and no live agent was able to contact me or help me with any information regarding the issue, I never received any emails after I submitted my personal information to multiple sources from cash app support, my account is still in the negative and I can not use my account anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: SD

Complaint narrative:
In XX/XX/year>, I made a balance payoff via check as part of closing on a new home. I needed all consumer debts paid off prior to closing. In the meantime, XXXX of my automatic payments was processed in the amount of {$XXXX}. When the payoff check cleared, I ended up with a {$XXXX} credit balance on my TD Bank XXXX card. This was reflected on my XX/XX/year> statement. I began requesting this refund. Initially, I could not reach anyone via the customer service line, the wait time was unreasonable and never had the time to sit on hold until someone answered. I sent a secure message in the online portal and received a reply I could make my request in writing as per the cardholder agreement. I did this - I wrote them a letter asking for my credit balance to be refunded. I sent via first class mail and even included a prepaid envelope to send my credit back to me. I never saw the check. I began calling countless times and speaking with customer service representatives. Often times, they would say it 'was requested " meaning they put in a request and I should see it in " XXXX business days ''. I never saw a check. I've since learned they are putting in a request but a 'back-office process ' or the 'credit department ' has some kind of " hold '' on my account. At XXXX point, I was asked to send in " proof '' that my payoff check from XXXX had actually cleared my bank. As odd of a request as that sounded to me, I complied and provided such evidence. I have spoken to countless customer service representatives, managers of customer service representatives and other " managers '' who have all failed to identify why this is caught up in their system and resolve the issue. I have filed a complaint with the company. I received a phone call from the complaint department letting me know my frustrations were " heard '' - this was around XXXX time. I appreciate that they are heard, but I would rather have resolution and MY money back. It's funny they can charge me some XXXX percent if I don't pay them in time but if they hold my credit balance for over XXXX  months I don't get to collect any interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I received several notices that my information was involved in a security breach. So I checked my credit report and noticed multiple inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the XXXX XXXX XXXX is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : - [ List disputed accounts, including the account numbers, company name, and reason for dispute. ] As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : - [ List disputed inquiries, including company name and inquiry date. ] Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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 writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the XXXX XXXX XXXX is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : - [ List disputed accounts, including the account numbers, company name, and reason for dispute. ] As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : - [ List disputed inquiries, including company name and inquiry date. ] Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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