vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Early Warning Services, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX PH. # XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Early Warning : Failure to Address Consumer Report Errors and Block Trafficking-Related Items Dear Consumer Financial Protection Bureau , I am filing this complaint against Early Warning for their failure to address multiple inaccuracies in my consumer report and their lack of compliance with federal laws protecting victims of human trafficking. 
For several months, I have contacted Early Warning to dispute incorrect information in my consumer report, including : Incorrect addresses listed under my name Misspelled versions of my name Block all inquiries Despite my repeated efforts, I have not received any resolution or meaningful response from Early Warning. I have made numerous phone calls to their customer service department with no calls returned. Additionally, I sent an email detailing the errors and requesting that the items related to my trafficking experience be blocked as required by law, but I have not received any response. 

Under the federal National Defense Authorization Act for Fiscal Year XXXX ( NDAA ), specifically Section 6102 of the Debt Bondage Repair Act ( 15 U.S. Code 1681c3 ), consumer reporting agencies are required to block adverse information on a victims consumer report that resulted from human trafficking within four business days of receiving a victims request and supporting documentation. 

I provided the necessary information to Early Warning, yet they have failed to comply with this legal obligation. 

Early Warnings inaction has caused me significant distress, as these inaccuracies and unblocked items negatively affect my ability to rebuild my life and secure financial stability. 
I am requesting that the CFPB investigate Early Warnings failure to : 1. Respond to my disputes and communications in a timely manner.

2. Correct the inaccurate information in my consumer report.

3. Block the inquiries and other adverse items resulting from my trafficking experience, as required by federal law. 

I appreciate your attention to this matter and look forward to your assistance in ensuring Early Warning complies with the law and fulfills its obligations to protect consumers like me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: NV

Complaint narrative:
Comdata payment solutions card on XX/XX/year> at approximately XXXX hours pst had XXXX dollars.at approximately XXXX on XX/XX/year> their was fraudulent use for 2 dollars. The first representative fails to comprehend the problem and refused to escalate to supervisor. Called back second representative refused to escalate as well as 3rd who was beyond aggressive. 4th representative transferred back to automated system. Current associate is doing her job to the best of her ability ( situation not ability related )

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As per 15usc 1611 Experian XXXX  and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : XXXX XXXX XXXX. Cc : XXXX XXXX XXXX  Cc : XXXX XXXX. Cc : XXXX XXXX XXXX XXXX. Cc : Comptroller of the Currency. Cc : Federal Reserve XXXX. Cc : XXXX and XXXX. Cc : Federal Trade Commission. Cc : 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 explanation
Consumer complaint received 2025-05-07 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: EQUIFAX, INC.
State: IL

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.

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 seven 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 2025-05-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
To : XXXX  | XXXX. XXXX XXXX| XXXX, TX XXXX XXXX  | XXXX. XXXX  XXXX| XXXX, GA XXXX XXXX  | XXXX. XXXX XXXX  | XXXX, PA XXXX Southern Finance | [ Insert Southern Finances Address ] Subject : Cease and Desist Demand Fraudulent Account Reporting Account Number : XXXX Amount : {$6500.00} To Whom It May Concern : This letter serves as an official Cease and Desist demand regarding the reporting and/or collection efforts involving a fraudulent charge-off account in the amount of {$6500.00} listed under Southern Finance. I am not the debtor for this account, and I have no legal obligation to Southern Finance regarding this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and further reinforced by South Carolina Code 37-5-108, I demand that you : 1. Immediately cease all collection efforts and reporting activity related to this account. 
2. Delete this account from all consumer credit bureaus within 30 days of receipt of this letter.

3. Provide written confirmation of the deletion and cessation of activity.

4. Refrain from re-reporting or selling this account to any third party.

Applicable Law Cited : FDCPA 15 U.S. Code 1692a ( 2 ), ( 3 ), ( 4 ), and ( 5 ) FCRA 15 U.S. Code 1681 et seq. 
South Carolina Consumer Protection Code SC Code 37-5-108 Be advised that continued reporting or collection of this false debt after receipt of this Cease and Desist notice will be interpreted as willful noncompliance, subjecting your organization to arbitration or civil litigation. I will not hesitate to file complaints with the South Carolina Department of Consumer Affairs, the Consumer Financial Protection Bureau ( CFPB ), and other governing agencies. 

I am enclosing : A copy of my government-issued ID Proof of current address A copy of my credit report with the fraudulent account highlighted You have 30 days to comply from the date of receipt. Failure to do so will result in immediate escalation. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I was the co-signer on this vehicle for my ex-wife. This vehicle was purchased from XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. It was a XXXX XXXX XXXX and the amount financed was XXXXXXXX XXXX with the company Ally Auto. The first payment date was XX/XX/XXXX for XXXX XXXX On XX/XX/XXXX a letter was sent from Ally Auto, that was addressed to my ex-wife only, stating that " the finance charge was incorrectly stated on your contract, therefore the following will change '', and one of the changes was the payment. The payment had been changed to XXXX. The first payment was made on XX/XX/XXXX of XXXX. On XX/XX/XXXX a payment of XXXX was made and on XX/XX/XXXX another payment of XXXX was made. My ex-wife and I separated on XX/XX/XXXX, and I was under the assumption that these payments were being made monthly. I had no access to the account to verify if they were being paid, due to her removing me from it. I received a civil summons on XX/XX/XXXX, at my parents residence. The summons stated I was being sued by Ally Auto. I attempted to contact the finance company at this time to inform them I was not in possession of the vehicle and I provided them with the exact address of where they could find the car. The court date was continued and the reason I was given was " they were not able to serve my ex-wife '', even after I provided them her address of residence and contact information. On XX/XX/XXXX we appeared in court and she was ordered to turn in the Pathfinder. The pathfinder was taken to auction and it was sold for XXXX XXXX XXXX XXXX ( I am not sure of the exact amount ). Throughout this whole ordeal I have never once heard from Ally or received anything in the mail, of them attempting to make contact. Now that the vehicle has been repossessed and there is a balance of XXXX $ owed, I have received multiple emails and phone calls. They will not give me the proof of balance owed, after the gap refund was applied. I contacted the gap company on XX/XX/XXXX and I was informed that the contract has never been cancelled and they have not received any information advising them this vehicle has been repossessed. 

I have also submitted a request through Ally 's website, since no one will speak with me over the phone. This request was submitted on XX/XX/XXXX. As of XXXXXXXX XXXX on XX/XX/XXXX, I have had no response or phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: VA

Complaint narrative:
Purchased security system and I noticed that things were either missing, damaged as cut holes in pajama pants. Underwear, tshirts or stolen. Someone was in fridge. Bathroom and laying on my brand new sofa that I haven't sat on yet. They were coming in and no alarms were going off. XXXX I looked on phone and man was in kitchen. No alarm went off until I looked. Call company and they denied anyone could hack system. It got so my phone was disconnected from panel and I had no contact with my security system after I left home. Called company and they hung up. I called customer service and told them they were fired for breach of contract, close my account and I was finished with them. They refused to stop. I paid for all equipment. Owed them nothing. I was getting charged for monitoring only. Until that day I was paid up. I didn't pay that XXXX of the month and all. XXXX was disconnected. They could not monitor anything with my permission especially. 8 days after I disconnected the panel it cut off completely. They kept charging and calling me. I kept telling them they were fired and system in my home was shut down but they refused to stop charging. Got up to XXXX for nothing now this XXXX wants XXXX dollars? Told them same thing. They were fired for breach of contract plus they hung up leaving very questionable securitv practices also told them I got another company that I have now. Need help cuz I need to sue them for that breach when they refused to investigate the unauthorized entries while their system was supposedly working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-08 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: IN

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending XXXX that are inaccurate and are not properly verified. I have disputed this directly with the credit Bureau the furnisher but the late payments remain without proper validation or documentation. Under 15 USC XXXX XXXX XXXX a, furnishers must report accurate information. Under 15 uscXXXXi, the credit bureau must perform a reasonable investigation within XXXX days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
Hi, Avant credit card by XXXX  is charging me intrest on a negative balance and for both XX/XX/XXXX and XX/XX/XXXX they charged me fees of XXXX for a monthly fee and {$24.00} in intrest when i am just trying to pay it down. I am paying the minnimum balance of {$32.00}. 
It should be XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I am unaware of these inquiries, and they appear to be unauthorized and possibly fraudulent. Please take prompt action to resolve this issue. Relevant documents are attached for your review.

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 2025-05-08 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: Round Up Ventures, L.P.
State: IN

Complaint narrative:
I recently got a copy of my credit report and i have found out that I am a victim of identity theft.I found numerous accounts and inquiries that were NOT OPENED BY ME, which has been damaging my credit tremendously.I just purchased a home not too long ago and i was looking to refiance and this is putting me at a standstill.please remove these accounts and inquiries from my report IMMEDIATELY.I am requesting that the company does what is fair and deletes the items identified as identity theft from report XXXX XXXX XXXX XXXX XXXX XXXX XXXXLENDLY XXXXXXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: OneMain Finance Corporation
State: IN

Complaint narrative:
I recently got a copy of my credit report and i have found out that I am a victim of identity theft.I found numerous accounts and inquiries that were NOT OPENED BY ME, which has been damaging my credit tremendously.I just purchased a home not too long ago and i was looking to refiance and this is putting me at a standstill.please remove these accounts and inquiries from my report IMMEDIATELY.I am requesting that the company does what is fair and deletes the items identified as identity theft from report .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ONE MAIN XXXX

Company response to consumer: Closed with explanation