vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: TX

Complaint narrative:
XXXX XXXX will not let me activate my new card after my wallet was stolen. I had my new card sent to my stepsons address, and ordered a new ID. I have now provided XXXX XXXX with my ID front and back and a picture of my birth certificate. They refuse to allow me access to my funds saying they can not validate the account. The phone number and email on the account are no longer accessible to me. They refuse to try to help in any way

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
We are getting sued so I called the company on the day that we can not make payments for help and they could not help now they have taken everything to court with no foreclosure I already sent XXXX on XXXX and they sent it back to me since they want XXXX all at one time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-23 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: RI

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 2025-05-23 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: TN

Complaint narrative:
I've recently pulled my credit report and seen some inquiries on my profile that I did not authorize and are fraudulent. I have sent in an FTC report along with supporting documents to have these inquiries removed at once because they are harming my overall credit health and according FCRA 604 ( 15 USC 1681b ) - a company must have a permissible purpose to access my credit report and if it is pulled without my permission or without a valid reason, it's considered unauthorized. I need the inquiries to be removed at once. 

TransUnion XXXX - XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ally XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/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 2025-05-23 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: TN

Complaint narrative:
I've recently pulled my credit report and seen some inquiries on my profile that I did not authorize and are fraudulent. I have sent in an FTC report along with supporting documents to have these inquiries removed at once because they are harming my overall credit health and according FCRA 604 ( 15 USC 1681b ) - a company must have a permissible purpose to access my credit report and if it is pulled without my permission or without a valid reason, it's considered unauthorized. I need the inquiries to be removed at once. 

TransUnion XXXX - XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ally XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/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 2025-05-23 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: EQUIFAX, INC.
State: TX

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 : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
noticed inaccurate information related to an auto loan account on my credit report. I disputed the error with the credit reporting agency and the company in question, but the incorrect information is still being reported. Specifically, the balance/status/account details are not accurate, and I have already provided documentation supporting my claim. Despite this, the company has not corrected the information. This continued misreporting is negatively affecting my credit, and I am requesting that the account be properly investigated and updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 was utterly shocked XXXX  devastated upon discovering unauthorized accounts, credit inquiries XXXX inaccurate personal information made or reported without my knowledge or consent. Despite my efforts XXXX seek clarification from the creditors, they have shamefully failed XXXX provide the necessary information. I demand immediate action XXXX transparency from the creditors. The creditors must provide detailed information on each account XXXX  inquiry, including dates, purposes, XXXX types of credit products involved, furnish relevant application documents, XXXX  present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-23 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: MD

Complaint narrative:
Recently i look into copy of my credit report and i notified several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify for accuracy : Name : XXXX XXXX Bank : XXXX Bank Account 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 2025-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
On XX/XX/year>, my brother, XXXX XXXX, went to Evergreen Financial Services Inc . In XXXXXXXX WA, to make a payment on a joint loan we had together. During his visit, he was mistakenly given a receipt showing a balance for a separate personal loan that is under my name only that has gone to collections. 

He immediately called me because the balance on the receipt was higher than expected, and he sent me a photo of it. Thats how I discovered Evergreen had disclosed my private debt information to my brother without my knowledge or consent. 

I called Evergreen Financial immediately. The woman I spoke to admitted the mistake was made by a worker at Evergreen and said it would be fixed. I told her I was extremely upset that my brother now knew I had a separate collection account something he should have never had access to. Despite my concern, nothing was done to address the disclosure. Instead, I was asked if I wanted to set up a payment plan. 

Later, I spoke with a friend who used to work in collections. She informed me that this disclosure was a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and that I had the right to dispute the debt and file a complaint. 

Why its a problem : The FDCPA clearly prohibits debt collectors from disclosing any consumer debt to third parties without permission ( 15 U.S.C. 1692c ( b ) ). Evergreen Financial violated this law by revealing my personal loan details to my brother. This has caused significant emotional distress for both me and my brother, and it damaged my personal and financial privacy. 

Company Name : Evergreen Financial Services Inc . 

Joint Account to be paid # XXXX of a total of {$1100.00} Disclosed amount account # XXXX total of {$310.00} and XXXX of a total of {$610.00}. 

Names involved : XXXX XXXX ( consumer ) XXXX XXXX ( third party who received the information ) Date of Incident : XX/XX/year> Receipt shows he went to go make a payment of {$500.00} to our joint account and they accidently wrote a left over balance of {$1700.00}. That is what got my brother confused and when I called and found out they had disclosed my private debt information to my brother.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-23 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: Central Research Inc
State: FL

Complaint narrative:
Balance details 0 % paid off Balance {$4100.00} Balance updated XX/XX/XXXX Original balance {$4000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment This is very inaccurate. This isn't mine, and I don't recall ever taking student loans. Please remove this from my credit, please. That school is under probation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Marcus closed my account without clear notice, claimed it was a business decision, and then escheated my funds to the state without giving me an opportunity to access my money. I used the account recently and was not inactive. I want my funds returned and the justification for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Upon closure of my XXXX XXXX, I shipped out the home internet equipment to XXXX. I have email evidence that I emailed them back, saying I already shipped it. However, XXXX dinged my account claiming I did not return the device. They charged me a fee. I had to settle with a collections agency to avoid further punishment, and my credit report dipped because of it. The issue is that I shipped the home internet equipment and I need my credit score to go back to the original amount. If possible to get the money back as well that the collection agency charged me.

In addition, in a conversation with the collection agency IC Systems, they said they observe mismatched dates on the remark and that this is a prime candidate for removal if action is taken. The reporting agencies are not in sync on this account, again, indicating error and required removal.

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 2025-05-23 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: FL

Complaint narrative:
I am writing regarding the above referenced accounts. Please note that I am disputing these accounts listed. However, I kindly request that you provide the following information for my records : In representation of ( XXXX XXXX XXXX ) claimant. This written communication is to inform EXPERIAN that ( XXXX XXXX XXXX ) has been reported as a victim of Defamation, Financial Injury, and FCRA Section 605 ( c ). Section 611 Part ( A ) ( 1 ). Secondly, This Notice is to inform you that the information /accounts that are contained herein, this communication is not an attempt to DISPUTE any part of these fraudulent accounts but a Legal and Lawful demand to delete them.

Therefore, not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA ( FAIR CREDIT REPORTING ACT ). NO VALID CONTRACT WITH ( XXXX XXXX XXXX ) signature has been presented and has been requested in the previous affidavit. 


Take notice that I am now reserving all rights under my consumer credit profile with your company, and as a consumer under the Fair Credit Report Act. EXPERIAN does not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by me the consumer, or any other reason under 605B ( c ).

Promptly send notice if EXPERIAN, declines to block information and provide proof of your claim supported by an affidavit that XXXX XXXX XXXX misrepresented any fact contained herein within. Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful negligent non-compliance.

The Date of First Delinquency for this accourt.

The Date of Last Payment made on this account.

The Date of Charge-Off for this account.

1099-C Letter I would appreciate it if you could provide this information in writing, if additional documentation or authorization is required to process my request, please let me know your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-05-23 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 am writing regarding the above referenced accounts. Please note that I am disputing these accounts listed. However, I kindly request that you provide the following information for my records : In representation of ( XXXX XXXX XXXX ) claimant. This written communication is to inform EXPERIAN that ( XXXX XXXX XXXX ) has been reported as a victim of Defamation, Financial Injury, and FCRA Section 605 ( c ). Section 611 Part ( A ) ( 1 ). Secondly, This Notice is to inform you that the information /accounts that are contained herein, this communication is not an attempt to DISPUTE any part of these fraudulent accounts but a Legal and Lawful demand to delete them.

Therefore, not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA ( FAIR CREDIT REPORTING ACT ). NO VALID CONTRACT WITH ( XXXX XXXX XXXX ) signature has been presented and has been requested in the previous affidavit. 


Take notice that I am now reserving all rights under my consumer credit profile with your company, and as a consumer under the Fair Credit Report Act. EXPERIAN does not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by me the consumer, or any other reason under 605B ( c ).

Promptly send notice if EXPERIAN, declines to block information and provide proof of your claim supported by an affidavit that XXXX XXXX XXXX misrepresented any fact contained herein within. Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful negligent non-compliance.

The Date of First Delinquency for this accourt.

The Date of Last Payment made on this account.

The Date of Charge-Off for this account.

1099-C Letter I would appreciate it if you could provide this information in writing, if additional documentation or authorization is required to process my request, please let me know your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX ( disconnected call ) then again at XXXX a call came in from XXXX. The person on the phone did not identify herself, and requested to speak with my daughter. I asked who she was, and what it was in reference to, and she said it was a legal matter and she couldn't provide any details unless my daughter gave her permission to speak with me. She verified that my daughter was now over XXXX. I asked for information again regarding who she was and she kept saying that her number was on my caller ID, to give it to her. Due to the recent rise in scams, and already having been a victim, I advised her that I would not be passing any information on unless she identified herself. She then stated that my daughter would be served and would have to go to court. I found this highly suspicious, as my daughter has not been in the area for two years now and she is military. Any criminal activity would have been alerted there first. I called the number back from a landline, and reached the voicemail for a XXXX XXXX. Same voice of the woman who threatened my daughter. I found a main office number online and got in touch with an older woman who provided me with more details of the call. She stated that it was a debt from XXXX XXXX from XX/XX/XXXX. This woman also stated that if the debt was not taken care of that it would be placed on her credit report. Back to the date, my daughter was not XXXX at the time of the XXXX visit and was on full Medicaid. She was not the one who signed the paperwork, I was, as she was still a minor and not legally able to enter into a contract with any agency. 
This company should not be allowed to continue to conduct business. There are 22 XXXX  complaints in reference to the same threatening manner, as well as trying to collect debts that have already been paid. There are also many reviews on XXXX stating the same.

Company response to consumer: Untimely response