vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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:
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 Account Name : XXXX  XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX 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 XXXX 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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
{$30.00} interest fee. 

I paid {$600.00} on XXXX with a rep and then I went online XX/XX/year> to pay off my balance. There is an option to pay bill amount, pay account balance, minimum or other. I chose to pay account balance. My ACCOUNT balance was {$660.00}, so I paid that. I wanted a {$0.00} balance to pay off my debt. Today I went online and all of a sudden I have an interest charge of {$30.00}. I called to dispute it because it was not on my account yesterday and yesterday I paid off my balance. Had I been told I had more charges or if it was explained to me either while I was making the payment or by the rep, I wouldn't be this upset. This is not right. If I chose the option to pay my account balance, then my account balance should have been paid, not additional charges the next day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
Unauthorized Hard Inquiries : XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX Bank XX/XX/XXXX ; XXXX Card : XX/XX/XXXX Frivolous, Undeliverable address is : XXXX XXXX XXXX, XXXX, NC XXXX I am filing a complaint regarding unauthorized credit inquiries that are appearing on my credit report for : I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my financial standing. I have contacted each Furnisher to address this matter, however, I have not received an y resolution. I requested wet signature applications and proof of authorization. I am requesting an investigation from the Consumer Financial Protection Bureau about the listed unauthorized inquiries, take actions to ensure theyre removed, and to prevent further unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kovo
State: DE

Complaint narrative:
I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally file a complaint regarding an issue I encountered with Zelle and the restriction of my bank account. Specifically, I have experienced a situation where my bank account was restricted due to a payment I received via Zelle, which was flagged as suspicious, despite coming from a legitimate and reliable source. 

On [ date ], I received a payment through Zelle from [ Name of Sender or Description of Source ]. The payment was entirely legitimate, and I did not initiate any actions that would have violated any terms or conditions. However, shortly after receiving the funds, I was informed that my account had been restricted due to the payment being marked as suspicious. 

I immediately contacted Zelle for clarification, as I was unable to understand why this legitimate payment triggered such an issue. Unfortunately, the only response I received from Zelle was to advise me to contact my bank for further details regarding the situation. However, no clear guidance was provided on how to resolve the issue or prevent such occurrences in the future. 

I am deeply concerned by the lack of clarity and assistance provided by Zelle. Their response was unhelpful and left me in a difficult position where my access to my own funds was restricted without any apparent fault on my part. This has caused significant inconvenience, and I am seeking a resolution to both understand what went wrong and ensure that my account can be reinstated without further delays. 

I kindly request that the Consumer Financial Protection Bureau look into this matter and assist in holding Zelle accountable for the lack of support in handling my case. I would appreciate any guidance or intervention that can be provided to resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
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 Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX 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 XXXX 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 2025-01-04 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: NY

Complaint narrative:
I have a defaulted loan on my credit that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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 a defaulted loan on my credit that doesnt belong 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 2025-01-04 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: LEXISNEXIS
State: GA

Complaint narrative:
Hi my name XXXX XXXX it's with great will and due process of the law that this matter is resolved proply. 
My information had been exposed in a serval data breach and I've been a victim of identity theft thur credit one.Data breach by XXXX XXXX and XXXX source they are not adhering to the Fair Credit Reporting Act and I would like to file a FTC report .I 'm removing unwanted and unauthorized practices perform by XXXX parties credit reporting agencies XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX..According to FCRA it's section 605B it's illegal to report anything on my credit report without my permission please remove any and all negative items and inquiries i didnt get anything out of them and incorrect personal information regarding me from my credit report..15USC 1681b credit reporting agencies are only allowed XXXX furnish consumers credit reports To those who have permission and I XXXX XXXX have not granted access/ permission..Please handle complaint and disupt within 4 business day ty..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-04 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
Credit breach my information was stolen several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
Credit breach my information was stolen several times.

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 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I applied for XXXX numerous times. Sent in my application to MOHELA, they never transfered my XXXX to DOE in the summer when XXXX processing was transferred over. I received a letter that my closed employer IS nonprofit- but no one has processed my XXXX proof. My employer was approved in XXXX for XXXX and I was told XXXX weeks for XXXX processing. Its been XXXX  months. 

I reapplied and resubmitted everything again. I keep getting generic replies that list my payment count, eligible payments and when I qualify for discharge. I qualify now and I did for months. I keep having to pay monthly but I qualify now for forgiveness. No one has been able to help me with my XXXX being approved so that my forgiveness can process.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-04 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: PA

Complaint narrative:
I am writing to express my serious concerns regarding several issues I have identified in my credit report. Upon review, I discovered multiple inaccuracies, such as incorrect account listings, unauthorized inquiries, and inconsistent billing details. These errors are significantly affecting my financial stability, and I require your immediate assistance to address them.

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 2025-01-04 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: PA

Complaint narrative:
I am writing to express my serious concerns regarding several issues I have identified in my credit report. Upon review, I discovered multiple inaccuracies, such as incorrect account listings, unauthorized inquiries, and inconsistent billing details. These errors are significantly affecting my financial stability, and I require your immediate assistance to address them.

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 2025-01-04 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a new credit card through credit karma using the credit karma guarantee. If I was declined I would receive a {$50.00} gift card. I was declined when I had outstanding odds. I received an email on XX/XX/XXXX asking me to choose what type of gift card I wanted the {$50.00} to be in. I chose a XXXX  card. On XX/XX/XXXX credit karma said my card was on the way. It is now XX/XX/XXXX and I still have not received anything. What I have received are spam calls multiple times a day. Credit karma completely scammed me and many others according to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
The debt was in collection since XXXX 2022. However, I never heard from the company about the collection, never sent to my address about these charged off collections. At the end year a 1099C was supposed to be sent me to report the charged off amount to IRS as income on my 1040 tax return. the company ' collection address is " po XXXX XXXX XXXX XXXX, SD XXXX. 

I have the following collections with the same company : Company : Affirm Inc . 
XXXX. Account Number : XXXX Account charged off amount : {$170.00} Charged off date : XX/XX/year> XXXX. Account Number : XXXX Account charged off amount : {$1100.00} Charged off date : XX/XX/year> XXXX. Account Number : XXXX Account charged off amount : {$180.00} Charged off date : XX/XX/year> XXXX. Account Number : XXXX Account charged off amount : {$140.00} Charged off date : XX/XX/year> XXXX. Account Number : XXXX Account charged off amount : {$310.00} Charged off date : XX/XX/year> 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MRS BPO, LLC
State: GA

Complaint narrative:
My information was exposed in the recent data breach with XXXX and I noticed some things on my credit that I do not recognize. 

Company Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which is a law that governs how consumer credit report records are accessed and protects the accuracy, fairness, and privacy of personal information : My information was exposed in the databreak

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