vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently in the process of applying for a loan that is essential for my financial goals, and as part of the application process, the lender requires verification of my credit history. However, my credit report is currently frozen, which is preventing the lender from accessing the necessary information to complete the application. Without access to my credit report, I am unable to proceed with the loan approval process, which is causing a significant delay in fulfilling my financial needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received a call from someone named XXXX who said she was with XXXX XXXX XXXX XXXX and she told me to call XXXX XXXX XXXX and provide envelope number XXXX and the original creditor was Ace cash express and who bought the debt is XXXX XXXX XXXX And that I originally owed {$610.00} and now with fees its {$3200.00}. I have never heard of this debt. They did confirm my name they read my address and last four of my social but I did not confirm those with them. I just wanted to report this. they said it was an online loan back in 2014. I would have never gotten an online loan. Please look into this for me. Im scared thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Giggle Finance Inc.
State: OR

Complaint narrative:
I filed a CFPB complaint ( complaint # XXXX ) on XX/XX/year> against Giggle Finance . The complaint was regarding an advance of {$1400.00}. 

CFPB forwarded my complaint to Giggle Finance and this was their response : After further review, we were able to confirm that the ACH to send the client funds was voided and the customer 's transaction was cancelled. We have taken the steps to alert the 3rd party agency and corrected our records. We have no records of the customer seeking to correct this with us directly, however all has now been resolved. 

Now Giggle Finance is still trying to get funds from me again. They are working with this company called XXXX XXXX located in XXXX, XXXX XXXX receiving emails and phone calls from XXXX XXXX XXXX they are trying to have me settle this closed dispute again. They say I have a balance of {$1800.00}, but that is WRONG. It looks like Giggle Finance never corrected their records and they never resolved the previous issue from the first complaint.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Puerto Rico Consumer Debt Management Co., Inc.
State: PR

Complaint narrative:
Collections company called Puerto Rico Consumer Debt Management and XXXX XXXX XXXX sued me for a debt of a credit card issued in XXXX. I did not knew about this debt or lawsuit until I tried to renew my automobile permit in XX/XX/XXXX that in XXXX XXXX we do it yearly and the XXXX told me they can not permit the car because it has a repossession because of a lawsuit. I the. Went to the court to examine this lawsuit which it was done in the year XXXX!!! And in XXXX the collection agency made a motion to repossess any property i had to cover the debt of XXXX dollars. I am complaining because they are violating my rights. This debt its to old and its not fair they take my automobile which is an old car and its my only property. I do not work because I have XXXX  XXXX  and I am trying to apply for social security XXXX. I dont have any money. I needed your help on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened a claim with Bank of America regarding a fraudulent transaction on my credit card dated XX/XX/year>, for the amount of {$1500.00}. In XXXX, I received a letter from Bank of America stating that the investigation was complete. I disagree with the findings. The bank returned only a printed XXXX  receipt of this purchase and closed the claim. The receipt the bank provided is fraudulent. I maintain that my personal information was stolen and that someone exploited it. The banks report also included the company 's address. I visited this address, but there was no store or business present. The building at this location is empty and closed. It appears that the bank did not even verify the company 's name and address. They showed no willingness to assist a victim. I asked the bank to reopen the claim and remove this debt from my credit card. However, the bank representative informed me that I must pay this debt or at least make a minimum payment. He stated that they couldnt grant me a waiver and remove this debt from my account while the claim was reopened. Why must I pay for fraud? Bank of America has failed to act with reasonable care. Instead of shielding its victim from this crime, they pressured me to pay a criminal actor.

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 monetary relief
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had been victim of identity theft in 2021. I tried to open up employee account at chase and I find out some one opened a chase credit card and capital one credit card under my social and name. Address and email was totally different from my original address and email. As soon as I found out I called Capital one and XXXX to dispute the transaction. I also filed a police report and sent it to XXXX and provided the case number to Capital one. I have disputed through exertion and called XXXX to double check. They cant find anything on my report. When I checked my credit report through XXXX XXXX it says the claims had been disputed. Capital one is sending me letters through debt collecting company called XXXX XXXX to file a law suit against me. I have never given anyone my social except from the brokers and Bank while buying the house. I am not sure how my social had been compromised. I have no XXXX XXXX account to check my credit report and never realized someone opened up credit cards. I only have one credit card with XXXX XXXX I have no other credit cards. Police Case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 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 2025-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I have requested several times for the debt collection agency to send my a debt validation showing my contract and how I owe the amount claimed on my XXXX credit report. XXXX is not allowing me to dispute this online. This is a direct violation of my rights. I do not owe this debt and request for the XXXX time to be deleted off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report : XX/XX/year> XXXXXXXX XXXX XXXX I did not authorize XXXX XXXX XXXX  ( XXXX ) to access my credit report on this date. Under the Fair Credit Reporting Act ( FCRA ) 1681b, consumer credit reports may only be accessed with explicit permission. Since I did not consent to this inquiry, I request immediate action to correct this issue.

Requested Actions : Investigate the unauthorized inquiry. 
Provide verification, including signed documentation proving I authorized this inquiry. 
Remove the inquiry if no valid authorization exists. 
Ensure my personal information is removed from XXXX 's records related to this unauthorized inquiry. 
Provide written confirmation of the resolution and actions taken. 
To assist in verifying my identity, I have enclosed copies of my identification and proof of address. Please confirm receipt of this dispute and provide an update on the resolution process at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I had been victim of identity theft in XXXX I tried to open up employee account at XXXX and I find out some one opened a XXXX credit card and XXXX XXXXXXXX credit card under my social and name. Address and email was totally different from my original address and email. As soon as I found out I called XXXX XXXX and XXXX to dispute the transaction. I also filed a police report and sent it to XXXX and provided the case number to XXXX XXXX. I have disputed through exertion and called XXXX to double check. They cant find anything on my report. When I checked my credit report through XXXX XXXX it says the claims had been disputed. XXXX XXXXXXXX is sending me letters through debt collecting company called XXXX XXXX to file a law suit against me. I have never given anyone my social except from the brokers and Bank while buying the house. I am not sure how my social had been compromised. I have no XXXX XXXX account to check my credit report and never realized someone opened up credit cards. I only have one credit card with XXXX XXXX I have no other credit cards. Police Case number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Zions Debt Holdings
State: DE

Complaint narrative:
called XXXX for number to company called the company and got a dentist office located in XXXXXXXX XXXX XXXX

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 2025-03-11 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This notice is to inform you that LVNV Funding is in violation of 15 USC 1692g { 809 } ( a ) of the Fair Debt Collection Practices Act, 1006.34 ( a ) ( i ) and 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations for non-compliance.

Under 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations, no debt collector shall furnish information to a credit reporting agency about such debt without speaking to the consumer or sending a letter in the mail. Because you have violated my consumer rights, I demand you to remove this account from all credit reporting agencies immediately. I have filed a complaint with The Office of The Attorney General to disclose your business practices.

Failure to comply will result in legal action taken against LVNV Funding for each violation committed which is my right under 15 USC 1692k { 813 } ( a ) of The Fair Debt Collection Practices Act and 392.402 ( B ) of The Texas Finance Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
XX/XX/year> my car was repossessed after months of already having the loan paid off. The cops were called and we have a case number. I called title max and they stated my loan was not paid off. so no i am a single widow mother with no car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
Hello, I have unauthorized hard credit inquires on my credit report in which I did not authorize I would like them removed, according to the FCRA these unverified and unauthorized items must be removed. Section 605B states it is illegal to report anything on my credit report without my permission. 
- 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/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