vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
Ford Motor Credit Company Doubled Dipped Into My Bank Account. Got {$9900.00} Dollars From My Account. I? Didn't Give Them Authorized Them To Take Month Out. In XXXX Of XXXX! They Took {$2000.00} Dollars. And Other XXXX Times In XXXX Of XXXX They Took {$1300.00} Dollars. So Far! They Took Around {$3400.00} Dollars From My Bank Account. That Is Double Dipping Into My Bank Account. I Want The Money From Double Dipping Me. And! Ford Credit! Is Saying! That! I Put In A Complaint Against XXXX XXXX XXXX! That? Don't Have Any Thing To Do With What I '' M! Saying! It Is Ford Credit! That I '' M Complaining About NOW? And! There Law Is Getting The Wrong Info! It Is Ford Credit! That! I '' M Complaning About.AND? I Want To Go After XXXX & XXXXXXXX XXXX. For Making Wrong Statements About! XXXX XXXX XXXX, XXXX. It Is Fordcredit That! I '' M Complaning About. And Ford Has To Put Back For The Double Dipping Into My Bank Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: SC

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following account contains inaccurate information.

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. I understand that it is your responsibility to verify these items with the creditor who reported them. If the creditor is unable to provide verification, please delete the information from my report. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this letter.

Please send me an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received a copy of my credit report in the past six months about the corrections made.

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Company claimed they did not receive a check for payment which is why they reported my debt. They claimed a good will/ pay to delete was an illegal action. When I informed them they had indeed been able to do this and telling me I was asking for an illegal ask was wrong. They then followed by asking for the other persons information ( who had a goodwill delete for full payment ) to look and discuss their account. I told them they could not have a third person share another persons confidential information. The supervisor said if they had taken that route then they could look up that persons account information. ( I believe it is illegal in any practice to ask for a third parties info. For disclosure of there account ) The company appears to make claims of following guidelines but are asking for other peoples identities to discuss their account and why they were given something they claim they can not. If they wont work with someone to come to a mutual agreement they should not make false claims that an ask does not follow XXXX guidelines and is illegal. That statement is false, the refusal is THEIR guidelines. This company is borderline harassment and shares false information all while being comfortable enough to ask for other peoples identities in order to disclose their account information for the sake of an argument

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
Dear CFPB, I am writing to formally request your assistance in investigating potential fraudulent business credit accounts that may have been opened in my name without my knowledge or consent.

I have recently discovered indications that my personal information may have been compromised, leading to the possibility of unauthorized business credit being established. To support my claim, I have enclosed a copy of the police report that I filed regarding this matter.

As a consumer, I am concerned about the impact this fraudulent activity may have on my credit profile and financial standing. Therefore, I kindly request that you investigate any business credit accounts associated with my name and take the necessary steps to block and remove any fraudulent accounts that may be identified. 
For your reference, my personal information is as follows : Social Security Number : XXXX Full Name : XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX La, 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 2025-03-20 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: LA

Complaint narrative:
Dear CFPB, I am writing to formally request your assistance in investigating potential fraudulent business credit accounts that may have been opened in my name without my knowledge or consent.

I have recently discovered indications that my personal information may have been compromised, leading to the possibility of unauthorized business credit being established. To support my claim, I have enclosed a copy of the police report that I filed regarding this matter.

As a consumer, I am concerned about the impact this fraudulent activity may have on my credit profile and financial standing. Therefore, I kindly request that you investigate any business credit accounts associated with my name and take the necessary steps to block and remove any fraudulent accounts that may be identified. 
For your reference, my personal information is as follows : Social Security Number : XXXX Full Name : XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX La, 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 2025-03-20 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: LA

Complaint narrative:
Dear CFPB Team, I hope this letter finds you well. I am writing to request your assistance in verifying whether there is any business credit associated with my name. I am concerned that there may be unauthorized accounts or credit inquiries that I am unaware of, and I want to ensure that my credit profile is accurate and secure. 
Please find my personal information below for your reference : Full Name : XXXX XXXX XXXX Social Security Number : XXXX ( only include if necessary for identification ) Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, Unknown XXXX, XXXX XXXX INQUIRIES XXXX XXXX XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-20 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: PA

Complaint narrative:
upon checking my consumer credit report i have discovered that there are fraudulent, inaccurate, and incomplete accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of Identity Theft and XXXX. These fraudulent accounts consist of a personal credit card account opened at XXXX  XXXX on XXXX, a credit card account opened at XXXX  XXXX on XXXX, a credit card account opened at XXXX XXXX XXXX  on XXXX, a Secured Loan opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a Installment account opened at XXXX XXXX XXXX XXXXXXXX, a collections account opened at XXXX XXXX XXXX on XXXX, a collection account opened at XXXXXXXX XXXX XXXX XXXX XXXX  a collection account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs appearing on my consumer XXXX credit report. I demand that the fraudulent items be removed from each credit report. There is also inaccurate and incomplete information being reported on my consumer credit report that is a violation of the credit reporting act and is harming my reputation and consumer score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells forgo allowed accounts to be open in my name i had 9 bank accounts opened in my name i would like bank statements for all accounts in my name at the time I became I victim of identity theft because of this

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 2025-03-20 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: NC

Complaint narrative:
I am requesting all information be removed due to data breach

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 2025-03-20 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: NC

Complaint narrative:
I am requesting all information be removed due to data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: WA

Complaint narrative:
I am writing to formally dispute and request the removal of fraudulent accounts and inquiries from my Equifax credit report pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ).

I have been a victim of identity theft, as documented in the attached FTC Identity Theft Report ( Report Number : XXXX ). The fraudulent activity has resulted in the unauthorized opening of multiple accounts in my name, which I did not initiate or authorize.

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 2025-03-20 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: WA

Complaint narrative:
I am writing to formally dispute and request the removal of fraudulent accounts and inquiries from my Equifax credit report pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ).

I have been a victim of identity theft, as documented in the attached FTC Identity Theft Report ( Report Number : XXXX ). The fraudulent activity has resulted in the unauthorized opening of multiple accounts in my name, which I did not initiate or authorize.

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MS

Complaint narrative:
I have disputed this debt multiple times asking for the forward flow agreement, proof of purchase/sale agreement, the sale data file, my signature agreeing to pay XXXX XXXX XXXX XXXX XXXX capital, and written communication only from this company. I have repeatedly been denied this information as well as written communication proving I hold a legal contract with either company.They have continued attempted contacts via people they assume are associated to me and not linked to any account I XXXX have as well as sending XXXX  XXXX XXXX. I have now received a court date without ever being provided the requested documentation. Which is illegal. We have also surpassed the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Starmark Financial LLC
State: TX

Complaint narrative:
A person named XXXX XXXX is calling my job harassing me. The first time he called my job I was very busy he threated to put me in jail if I didnt talk to me after I told him several times I could not talk to him and that I had several patients waiting he said he did not care I needed to talk to him right then so I hung up because I was getting in trouble. Then he called back again today XX/XX/20 I told him I was getting everything fix and he was being very disrespectful and told me I dont have any money to get anything fixed I told him XXXX in the process of getting it fixed and not to call my job harassing me and he said hes going to call my job because its his job he called from 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 2025-03-20 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. I do not know where these accounts came from. 
XXXX XXXX  XXXX XXXX, {$750.00}, opened : XX/XX/XXXX XXXX- XXXX, {$0.00}, opened : XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX {$2600.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, {$1100.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$690.00} XXXX opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, {$14000.00}, opened : XX/XX/XXXX XXXX & XXXX XXXX - XXXX, {$2000.00} XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$3500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX, {$660.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, {$440.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, {$400.00}, opened : XX/XX/XXXX First Premier- XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX- XXXX, {$130.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX, {$470.00}, opened : XX/XX/XXXX TXXXX XXXX XXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX, {$0.00}, opened : XX/XX/XXXX Air XXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00}, opened : XX/XX/XXXX XXXX XXXX- XXXX XXXX {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$400.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$2300.00}, opened : XX/XX/XXXX XXXX  XXXX, {$2100.00}, opened : XX/XX/XXXX XXXX XXXX  - XXXX, {$480.00}, opened : XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. I do not know where these accounts came from. 
XXXX XXXX  XXXX XXXX, {$750.00}, opened : XX/XX/XXXX XXXX- XXXX, {$0.00}, opened : XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX {$2600.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, {$1100.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$690.00} XXXX opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, {$14000.00}, opened : XX/XX/XXXX XXXX & XXXX XXXX - XXXX, {$2000.00} XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$3500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX, {$660.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, {$440.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, {$400.00}, opened : XX/XX/XXXX First Premier- XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX- XXXX, {$130.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX, {$470.00}, opened : XX/XX/XXXX TXXXX XXXX XXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX, {$0.00}, opened : XX/XX/XXXX Air XXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00}, opened : XX/XX/XXXX XXXX XXXX- XXXX XXXX {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$400.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$2300.00}, opened : XX/XX/XXXX XXXX  XXXX, {$2100.00}, opened : XX/XX/XXXX XXXX XXXX  - XXXX, {$480.00}, opened : XX/XX/XXXX 2022

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 2025-03-20 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: PA

Complaint narrative:
Under the FTC Act, GLBA, and FCRA, financial institutions must protect consumer data and prevent unauthorized access to credit information. Failure to do so can lead to fines, enforcement actions, and civil lawsuits. If any of the following inquiries or accounts were unauthorized, fraudulent, or excessive, they may indicate identity theft, improper credit checks, or data breaches and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} These accounts were fraudulently added due to a data breach and must be ruled as unauthorized and removed immediately to prevent further financial harm.

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 2025-03-20 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and 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