vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.

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 2025-03-12 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:
Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at NXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Disputed a charge on the credit card ( linked to XXXX ) on XX/XX/year>. Fraudulent Charge was made the day before, on XX/XX/year> through XXXX. 
Amount of charge : {$660.00} XXXX order # XXXX- I have a copy of the invoice - dated XX/XX/year>. 
Product was sent to a person unknown to me ( using my name ) in XXXX, XXXX XXXX 
XXXX refused to cancel the transaction. 
Chase Credit card have now said " the transaction is valid ''. It is not valid - it is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Get Financed LLC
State: FL

Complaint narrative:
I bought a used car overpriced, te car dealer never took the XXXX down payment from the loan car total which is actually a different amount from what it supposed to be. I requested the payoff and they never responded and after that I didnt pay the last XXXX months and they proceeded with the repossession and didnt get any answer from them since this happened. Ive payed more then XXXX XXXX dollars in the last year when the real value of the car is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX sent me a letter on XX/XX/year> stating they were closing my account and any funds in my account would be mailed to me in the form of a cashier 's check. I called XXXX to get clarification and was advised a check was mailed to me. When I did not receive any check I called back and was informed my funds were sent to unclaimed properties.

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 2025-03-12 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: GA

Complaint narrative:
All details of my Identity Theft Report as well as dates and other information are included in strong detailed description in my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
MEMORANDUM OF LAW* TO : Lending Team, American Express XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SUBJECT : Denial of Business Platinum Credit Card CREDIT CARD APPLICATION REFERENCE NUMBER : XXXX XXXX XXXX : Pursuant to 15 U.S.C. 1602, as the original creditor, I am entitled to credit. ( See XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, at XXXX ( XXXX  XX/XX/XXXX ) ). The credit transaction at issue was predicated on 15 U.S.C. 1611 and 12 U.S.C.A. 1411. ( See In re XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ). *VIOLATION OF LAW : The denial of my credit application constitutes fraud and is unlawful under the Truth in Lending Act ( TILA ), 15 U.S.C . 1602 ( g ) and 15 U.S.C. 1602 ( l ), as well as 12 CFR 1002. ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX XXXX XXXX, XXXX ) ). *SECURITIES FRAUD AND EQUAL OPPORTUNITY ACT VIOLATION : By withholding access to my securities, XXXX  XXXX XXXX has committed securities fraud and violated the Equal Opportunity Act and Consumer Credit Protection Act. ( See 15 U.S.C. 1691 ( a ) ; 12 CFR 202.2 ; and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX XXXX ) ). *REQUEST FOR RELIEF : * I demand that American Express : 1. Reconsider my credit application and approve it forthwith. 2. Provide me with access to my securities. 3. Cease and desist from engaging in any further unlawful practices. *CONCLUSION : The denial of my credit application and withholding of access to my securities are clear violations of federal law. I expect a prompt response and resolution to this matter. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NJ

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence. 

Company Name : XXXX XXXX XXXX XXXXXXXX - Account # : 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 2025-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
According to the XXXX, XXXX  police department the goods ( vehicle ) were collected and resold, presumably for fair market value or the amount owed on the outstanding loan. I am not responsible for paying for another person 's vehicle or goods that I am not in possession of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-12 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Ive been trying to delete my online Experian account ( Membership ID : XXXX ) due to privacy concerns. Ive called XXXX, XXXX, and XXXX multiple times, provided my full name, address, and membership ID, but they refuse to verify me and wont close the account. Their website also has no option to cancel. This violates my right to control my data. I want my online account deleted immediately and for Experian to stop accessing my voluntary data ( e.g., bank info ). Ive been trying since XX/XX/year> and have not been successful. Their automated system deliberately fails to verify you and therefore hangs up.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: TX

Complaint narrative:
These inquires where unauthorized on my credit report and i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GLOBAL LENDING SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
These inquires where unauthorized on my credit report and i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am making a complaint against cash app for poor customer service and unfair practices violating the cfpa. Cash app failed to take timely action against preventing fraud and left my account vulnerable and unprotected. Their dispute process was unfair and deceptive. And they did not comply with efta regulations. This has caused significant inconvenience and financial loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Report # XXXX Dated XX/XX/25 There are XXXX names listed for me and XXXX addresses listed that are incorrect, there must be only XXXX name and XXXX address. 
Names and Name ID listed below XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX Below Are the XXXX addresses that are incorrect : Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Phone Number incorrect : 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 2025-03-12 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: FL

Complaint narrative:
Hello, I am NOT doing well. I am VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these negative accounts are not mine. According to the United States code law 15 US code 1681 a ( 4 ), there are consumer rights to privacy. You are reporting fraudulent accounts that are not mine, which is infringing on my privacy. Congress says I have a right to decide what I did private. I deemed this negative accounts to be private. I do not want this information shared on my credit report. FDCPA807 states that these negative accounts are misleading false reporting.

Under 15 USC 1681B - permissible purpose of consumer report reports. The law states ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 US code 6802, I have the right to opt out of any information shared with a financial institution directly or through any affiliate, disclosed to a non-affiliate third-party, or any non-public personal information, unless such a financial institution provides or has provided to the consumer a notice which I have not received.

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 2025-03-12 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:
Hello, I am NOT doing well. I am VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these negative accounts are not mine. According to the United States code law 15 US code 1681 a ( 4 ), there are consumer rights to privacy. You are reporting fraudulent accounts that are not mine, which is infringing on my privacy. Congress says I have a right to decide what I did private. I deemed this negative accounts to be private. I do not want this information shared on my credit report. FDCPA807 states that these negative accounts are misleading false reporting.

Under 15 USC 1681B - permissible purpose of consumer report reports. The law states ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 US code 6802, I have the right to opt out of any information shared with a financial institution directly or through any affiliate, disclosed to a non-affiliate third-party, or any non-public personal information, unless such a financial institution provides or has provided to the consumer a notice which I have not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: MA

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report, this is my second time requesting deletions of incorrect and illegal items on my report without success. I have NEVER opened or used the following accounts. Please investigate these fraudulent accounts and mail me an updated credit report. These accounts are FRADULENT. XXXX XXXX ( open date : XX/XX/XXXX ) XXXX  XXXX XXXX ( open XXXX ) XXXX XXXX  XXXX ( open date : XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( open date : XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( open date : XX/XX/XXXX ) i want these illegal accounts removed in 24hours

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