vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
The XXXX XXXX XXXX : XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. 
If you believe you sent proper notification please provide 'Certified Mail ' with Receipt displaying my signature. If not, please delete XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My equifax profile was blocked and was being prevented to upload my new trade line on my equifax report. Upon trying to look up my report I was blocked out and denied access to my credit report. I than called equifax to find out whats going on. They told me my report was blocked due to suspensions but never explained why that suspensions were and what dates they occurred. Nor did they ever notify me that my account was blocked and that information pertaining to my account was blocked without my permission and stating a probably cause that arose their suspension. I also exercised my rights under the fcra act to get them to unblock my profile and to stop hindering me from financial opportunities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XX/XX/year> - Comenity Bank has closed my Comenity Torrid card with no notice whatsoever. I only knew because I got a credit alert. While I am able to sign into my account and it still shows that I have a credit limit, Im unable to access any of my previous statements or transactions, when I call and verify my account information and try to talk to a human being about my account, they put me through to an automated message saying that they are unable to open closed accounts and then it hangs up. When I try to go through a different section of their phone tree as soon as I mention what Im calling about, they hang up on me. At minimum, I deserve notice of the account being closed, and I should be able to pull my own financial statements and information from the account, and be able to talk to a person about my amount. additionally the account should not have been closed and it needs to be reopened. Its not fair that one of my longest standing credit cards is closed for no reason which negatively impacts my credit score that I am already working very hard to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Attention CF pb equifax response fails to comply with fcra requirements, no proof of debt validation provided no original creditor information disclosed credit report errors remain uncorrected and you are responsible for insurance Equifax complies with federal law I request immediate intervention and correction of these violations in compliance with a 15 USC 1692 e g and I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC
State: NC

Complaint narrative:
Good day. We had a loan draw for our XXXX, who by the way referred this company to us. The terms that we accepted and signed for was 0 % APR for 18 Months. The XXXX did their first money draw for {$9300.00} and was charged an undisclosed fee of 25 %. Which is a plan from Greensky for the client ( XXXX ) to have the 0 % APR. From our understanding, the original plan that we signed was switched without our approval to a plan of 11.99 % interest. We never approved such a switch and the XXXX and I have reached out multiple times to get them to honor the original plan with no success. We looked at this Greensky further and we found that they have multiple class action suits and judgments against them. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing a complaint against my federal student loan servicer, XXXX, regarding a privacy breach that occurred during a customer service interaction on XXXX XXXX. During an online chat, an XXXX representative disclosed personally identifiable account details- including the fact that phone calls and letters were sent to me, and referenced my " communication permission '' - before verifying my identity. 

I did not provide my name, date of birth, or account number until several minutes into the conversation. By that time, the representative had already confirmed the existence of my account and discussed details related to its servicing and reporting. This is a violation of the Gramm-Leach-Bliley Act ( GLBA ) and a breach of federally mandated consumer privacy standards. It also undermines the credibility of their claim that I was properly notified prior to negative credit reporting. 

I request the CFPB to investigate this incident and ensure corrective measures are taken, including privacy retraining and review of any credit reporting associated with this mishandling. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing a complaint against my federal student loan servicer, XXXX, regarding a privacy breach that occurred during a customer service interaction on XXXX XXXX. During an online chat, an XXXX representative disclosed personally identifiable account details- including the fact that phone calls and letters were sent to me, and referenced my " communication permission '' - before verifying my identity. 

I did not provide my name, date of birth, or account number until several minutes into the conversation. By that time, the representative had already confirmed the existence of my account and discussed details related to its servicing and reporting. This is a violation of the Gramm-Leach-Bliley Act ( GLBA ) and a breach of federally mandated consumer privacy standards. It also undermines the credibility of their claim that I was properly notified prior to negative credit reporting. 

I request the CFPB to investigate this incident and ensure corrective measures are taken, including privacy retraining and review of any credit reporting associated with this mishandling. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing a complaint against my federal student loan servicer, XXXX, regarding a privacy breach that occurred during a customer service interaction on XXXX XXXX. During an online chat, an XXXX representative disclosed personally identifiable account details- including the fact that phone calls and letters were sent to me, and referenced my " communication permission '' - before verifying my identity. 

I did not provide my name, date of birth, or account number until several minutes into the conversation. By that time, the representative had already confirmed the existence of my account and discussed details related to its servicing and reporting. This is a violation of the Gramm-Leach-Bliley Act ( GLBA ) and a breach of federally mandated consumer privacy standards. It also undermines the credibility of their claim that I was properly notified prior to negative credit reporting. 

I request the CFPB to investigate this incident and ensure corrective measures are taken, including privacy retraining and review of any credit reporting associated with this mishandling. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX XXXX, and as a result of that experience, certain accounts were opened or affected on my credit report without my full knowledge or consent. Specifically, the account listed as XXXX : XXXX XXXX XXXX  is directly tied to circumstances related to the XXXX. In response to the growing recognition of such situations, Congress passed Section 605C of the Fair Credit Reporting Act through the National Defense Authorization Act for Fiscal Year 2022. This law, implemented by the Consumer Financial Protection Bureau, prohibits consumer reporting agencies from including adverse information on credit reports that resulted from XXXX, once proper documentation is submitted.

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 2025-04-30 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: Chime Financial Inc
State: TX

Complaint narrative:
I noticed Chime let 4 charges of XXXX be taken out of my account by a card number I no longer have ending in card number XXXX from a location in XXXX  XXXX. Im requested a dispute, Chime. Same back and said they would not be refunding me my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Your team previously mishandled a concern to REINSERT an account from XXXX  XXXX XXXX ending in XXXX. I need this account REINSERTED. Instead, you suppressed it. Please UNSUPPRESS and REINSERT this account. Do NOT do anything further.

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 2025-04-30 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: World Omni Financial Corp.
State: AL

Complaint narrative:
Subject : Formal Dispute and Objection to Post-Contract Financial Privacy Policy & Incomplete CFPB Response To : World Omni Financial Corp Attn : XXXX XXXX, Customer Experience Manager XXXX XXXX XXXX XXXX, CO XXXX Email ( if available ) CC : Consumer Financial Protection Bureau Dear XXXX XXXX, I am writing in follow-up to the Consumer Financial Protection Bureau complaint I filed regarding the finance contract for my vehicle, financed through World Omni Financial . 

On XXXX XXXX I received a written response from you, but the substance of that reply did not address a serious procedural issue I raised. 

I contacted World Omni Financial customer service on XX/XX/year>, and spoke with a representative named XXXX, who confirmed the following : A Financial Privacy Policy was sent to me after I signed the finance contract. 
I was not provided any opportunity to review or agree to this policy prior to signing. 
XXXX also stated that I do not have the right to opt out which may apply solely to credit bureau reporting, but the language and timing of the financial privacy policy suggest broader implications that were never disclosed to me prior to contract execution. 

This raises two major concerns : 1. Timing of Disclosure : Under the Gramm-Leach-Bliley Act, consumers are entitled to receive a financial institutions privacy policy at the outset of the relationship. Sending it after a contract is finalized constitutes a failure to provide clear and timely disclosure, and I had no opportunity to consent or object to the policy terms at that time. 
2. Substantive Confusion : While I understand that reporting to credit bureaus is generally mandatory for account servicing under FCRA, the broader terms in the financial privacy policy may involve sharing of non-public personal information in ways that would otherwise trigger an opt-out right under GLBA. Your companys failure to present that policy until after the agreement was signed creates legal uncertainty and consumer harm. 

Therefore, I am demanding : A corrected CFPB response that clearly addresses why the privacy policy was not provided prior to or at the time of contract execution. 
A copy of the contract I signed along with any version that explicitly includes acknowledgment or agreement to the financial privacy policy. 
Documentation of all third-party data sharing practices World Omni intends to pursue under this policy An immediate review and remediation of the improper post-contract disclosure. 

Please note that this dispute is ongoing with the CFPB, and I reserve all rights under federal and state law, including the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), and Gramm-Leach-Bliley Act ( GLBA ). 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I have had a credit account with Barclays for 7 years. I have a balance that I pay on. I recently requested to receive their promotional offer of a cash advance. I've done it before and I have never had an issue. Now, I can not log into my account unless I call the number prompted, which I did. They required that I send in via fax or mail a copy of my drivers licenses front and back, my social security card, and a copy of my utility bill. I faxed all of these things. I asked about my balance and was unable to be told anything due to security reasons that make no sense because I had to verify my identity to start the conversation. I asked if I would be charged a penalty if I missed a payment because of my account being locked and they said yes. I told them I would be filing a complaint with the FTC for this predatory business practice. I asked if they could speed of the process with the documents I sent in and they said it was a " first come first serve '' queue. 
I have a running balance to an account I can not access until they get around to it that may accrue fees and tarnish 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 2025-04-30 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: Lendmark Financial Services
State: AL

Complaint narrative:
This account is over XXXX XXXX XXXX and has been removed from one credit report but not the other two should be removed from the other two

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AZ

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation