vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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: RI

Complaint narrative:
I am contacting you as a victim of identity theft resulting from a recent data breach that compromised my personal information. Due to this incident, several fraudulent accounts were opened in my name without my consent. I am invoking my rights under the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), to request that these fraudulent accounts be blocked and permanently deleted from my credit report. 
Please find below a list of the fraudulent accounts : XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$340.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXX XXXX XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$2500.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$830.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$230.00} XXXX. XXXXXXXX XXXX  XXXX. - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX. - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX OF XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: RI

Complaint narrative:
I am contacting you as a victim of identity theft resulting from a recent data breach that compromised my personal information. Due to this incident, several fraudulent accounts were opened in my name without my consent. I am invoking my rights under the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), to request that these fraudulent accounts be blocked and permanently deleted from my credit report. 
Please find below a list of the fraudulent accounts : XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$340.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$2500.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$830.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$230.00} XXXX. XXXX XXXX  XXXX. - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX OF XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00}

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 2024-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I was scheduled to receive a cosmetic procedure in XXXX of XXXX by XXXX XXXX XXXXXXXX. I was FALSELY medically cleared for the procedure in XXXX XXXX XXXX. After blood work came back showing that not only was I XXXX AT THE TIME of booking, but the doctor also revoked my XXXX clearance due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company refused to refund me although this was within their refund policy. The refund policy states that if I became pregnant AFTER booking, I was ineligible for a refund but I was XXXX at the time of booking. They attempted to force me to take a credit to receive the XXXX after XXXX 

Nevertheless, in the XXXX 's note revoking my clearance for the procedure he clearly states that I am not a candidate for XXXX XXXX regardless as my XXXX XXXX states it will be unsafe. 

The original creditor ( Affirm ) sold the debt to XXXX and they unknowingly purchased a false debt. I NEVER RECEIVED THE PROCEDURE NOR WAS IT EVEN MEDICALLY POSSIBLY FOR ME TO DO SO. This is an extortion of money and a disgusting display of unethical practices. I supplied ALL documentation to both XXXX XXXX XXXXXXXX and Affirm in timely fashions. 

I demand they remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: GA

Complaint narrative:
In the accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681 Inquiries :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 602 A. States I have the right to privacy.15 USC 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish my account without my written instructions 15 USC 1681 c ( asa ) ( 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 USC 1682s-2 ( XXXX XXXX A person shall no ot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has to reasonable to believe that the information is in accurate

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 2024-11-03 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 the accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681 Inquiries :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 602 A. States I have the right to privacy.15 USC 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish my account without my written instructions 15 USC 1681 c ( asa ) ( 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 USC 1682s-2 ( XXXX ) A person shall no ot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has to reasonable to believe that the information is in accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/year> my credit report was pulled without my knowledge and consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
ON XX/XX/year> I WENT TO ENTERPRISE CAR SALES TO LOOK FOR A CAR. AS I SAT WITH A REPERSENTATIVE TO DISCUSS A VEHICLE. I WAS TOLD HE WOULD TALK TO HIS LOAN OFFICER AS I DID NOT PURCHASE A VEHICLE FROM XXXX XXXX, I WAS NOT TOLD THAT HE WOULD RUN MY CREDIT WITH MULITIPLE LENDERS, I NEVER GAVE WRITTEN CONSENT FOR ENTERPRISE CARS TO RUN MY CREDIT REPORT AND I SENT OUT LETTERS TO EVERY LENDER DISPUTING THESE ACCUSATIONS AND THEY ALL KEEP TELLING ME, THEY WENT THRU A THIRD PARTY. I ASKED ENTERPRISE TO SHOW THAT I GAVE THEM APPROVAL TO SEND MY INFORMATION TO THESE LENDERS WITH A COPY OF MY DRIVERS LICENSE AND SIGNATURE. I WAS ALSO TOLD THAT AFTER SPEAKING WITH XXXX XXXX THAT BECAUSE I DID NOT PURCHASE A VEHICLE THAT MY INFORMATION IS NO LONGER AVAILABLE TO THEM AFTER 20 DAYS I CALLED AND WROTE TO NAVY FCU, XXXX XXXX XXXX  AND XXXX XXXX. I HAVE DOCUMENTATION FROM NAVY FCU AND XXXX XXXX, I ALSO SENT A COPY OF MY DRIVERS LICENSE AND MY SOCIAL SECURITY CARD PROVING I NEVER GAVE PERMISSION FOR ANY 3RD PARTY TO RUN MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am being discriminated against. 

I am filing this complaint due to TransUnions restriction on my ability to access my credit report online, without clear justification or guidance on resolving the issue. Despite providing the necessary documentation and identification information, TransUnion has restricted my access to my credit file, citing security purposes without specifying the conditions or steps required to remove this restriction. This lack of transparency is preventing me from monitoring my credit as needed. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to access my credit report and dispute any inaccurate or incomplete information. Specifically : 1. Section 609 ( 15 U.S.C. 1681g ) grants me the right to access my credit file maintained by consumer reporting agencies like TransUnion. By not allowing me to access my file online, TransUnion may be infringing upon my right to obtain my own credit information.

2. Section 611 ( 15 U.S.C. 1681i ) ensures my right to dispute any inaccurate or incomplete information. The current restriction on my file limits my ability to review and dispute errors that may be present.

3. Section 605B ( 15 U.S.C. 1681c-2 ) provides protections for identity theft victims, allowing them to place and remove fraud alerts or security freezes. However, I did not request a security freeze, and TransUnion has not provided an explanation for the restriction. If this restriction is due to a fraud alert or security freeze, I should have been notified and given the option to lift or remove it.

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 2024-11-03 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: TX

Complaint narrative:
I was giving notice that my credit profile has been breached. I requested a copy of my credit report from TransUnion, XXXX, and XXXX were I found serval errors and unauthorized accounts on my file. I have reached out multiply times to each establishment but they keep saying the information is verified with no other information given. Please help me with these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TX

Complaint narrative:
I was giving notice that my credit profile has been breached. I requested a copy of my credit report from XXXX, XXXX, and Experian were I found serval errors and unauthorized accounts on my file. I have reached out multiply times to each establishment but they keep saying the information is verified with no other information given. Please help me with these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Collection Account Request for Validation Dear Jefferson Capital Systems , LLC I hope this letter finds you well. I am writing to formally dispute the validity of the collection account referenced below as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and specifically under 15 U.S.C. 1692g ( often referred to as " validation of debts '' ). My full name is XXXX XXXX XXXX, and my account number is XXXX. XXXX Reference Number is XXXX According to my recent credit report, there is an entry for a collection account with the following details : - Creditor Name : XXXX Credit Card - Account Number : XXXX - Amount Due : None provided. 

I am requesting that you provide validation of this debt, including the following information : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A detailed account statement that outlines the amount claimed, including any charges, interest, or fees.

4. Validation documentation that verifies the debt has not violated any statutes of limitations.

5. Any documentation that substantiates your authority to collect this debt on behalf of the original creditor. 

Please note that until I receive this requested validation, I do not intend to make any payments or acknowledge this debt in any manner. Additionally, under 1692g ( b ) of the FDCPA, I request that all collection activities cease until the requested validation is provided.

I appreciate your prompt attention to this matter and request a response within 30 days from the date of this letter. 

Thank you for your cooperation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OR

Complaint narrative:
I recently checked my credit score and saw it had gone down. I investigated and found there was a debt collection listed that was not mine. Debt is being collected by IC systems Debt Collection in XXXX MN on behalf of XXXX XXXX XXXXXXXX for a charge of {$130.00}. Apparently delinquent and opened for 2 months. I am a XXXX XXXXXXXX customer ( for 8 years now ) my information was recently found on the dark web. It was mostly incorrect so i didnt pay it much mind, and didnt contain my social. It was reported for collection on XX/XX/year>. I called XXXX on XX/XX/year> at XXXX XXXX  and spoke with a representative named XXXX. She found no charges to my account for {$130.00} that had been unpaid, no new lines, nothing added, or past due. I attempted to call IC systems debt collection on XX/XX/year> at XXXX XXXX. Their automated menu had no options that aligned with my inquiry, and their representatives are out of office with no options for voicemail. I believe this to be identity theft and it is now negatively affecting my credit.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a formal complaint against Experian for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. 
Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, Experian continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, Experian is not complying with these legal obligations.

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 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma misleading my account with false advertisement. Pre approvals with no success. Took my information and sold the third parties without my knowledge. 

My social security was compromised because of them. 
I demand to be compensated for the damaged they have caused and jeopardized my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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 to report that I am a victim of identity theft following a data breach that compromised my personal information. As a result, fraudulent accounts and credit inquiries were made in my name without my authorization. In accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and 605 ( b ), I respectfully request the immediate blocking and permanent deletion of the following accounts and inquiries from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: MO

Complaint narrative:
According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXXXXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification.

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 2024-11-03 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: MO

Complaint narrative:
According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXXXXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification.

Company response to consumer: Closed with non-monetary relief