vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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:
I am writing to file a formal complaint regarding inaccurate information on my credit report related to an account with XXXX XXXX. This issue has caused significant damage to my credit, and I am requesting immediate investigation and correction. 

Here are the details of the situation : - The account in question shows a charge-off status with a balance of ** $ XXXX. 
- The account was originally tied to a car loan through XXXX XXXX XXXX, which was paid off **over a year ago** when my car was totaled out. 
- The insurance company, XXXX XXXX XXXX paid off the loan in full, amounting to **over $ XXXX. 
- The credit report initially reflected a balance of ** {$0.00} owed**, but out of nowhere, XXXX XXXX has reported a **charge-off** with a balance of {$6000.00}, which is incorrect. 
- **I never had an account directly with XXXX XXXX XXXX it was always through XXXX XXXX XXXX. 

This erroneous charge-off status and the incorrect balance of {$6000.00} should be immediately removed from my credit report. 

I request that the CFPB investigate this issue and assist in getting this erroneous information deleted from my credit report, as it is negatively impacting my financial standing. I have already attempted to resolve this directly with XXXX XXXX, but the issue persists. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue as quickly as possible. 

My balance showed XXXX from XXXX and then I wake up this morning Im showing XXXX charged off thats impossible! They should not be allowed to damaged consumer credit like this knowing they received funds to clear the full Balance of the loan!!! Consumers didnt even know they took our loans or anything we had to search social media and other places to find things out and I made my payments faithfully until My truck was totaled out! And they were paid the balance of XXXX! For XXXX XXXX XXXX. They took my warranty away and everything I had for 2 years owning this car until XXXX XXXX XXXX went out of business. 

This was closed at XXXX balance and removed and placed back without notice with a huge balance thats incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report related to an account with XXXX XXXX. This issue has caused significant damage to my credit, and I am requesting immediate investigation and correction. 

Here are the details of the situation : - The account in question shows a charge-off status with a balance of ** XXXX XXXX 
- The account was originally tied to a car loan through XXXX XXXX XXXX, which was paid off **over a year ago** when my car was totaled out. 
- The insurance company, XXXX XXXX XXXX paid off the loan in full, amounting to **over $ XXXX. 
- The credit report initially reflected a balance of ** {$0.00} owed**, but out of nowhere, XXXX XXXX has reported a **charge-off** with a balance of {$6000.00}, which is incorrect. 
- **I never had an account directly with XXXX XXXX XXXX it was always through XXXX XXXX XXXX. 

This erroneous charge-off status and the incorrect balance of {$6000.00} should be immediately removed from my credit report. 

I request that the CFPB investigate this issue and assist in getting this erroneous information deleted from my credit report, as it is negatively impacting my financial standing. I have already attempted to resolve this directly with XXXX XXXX, but the issue persists. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue as quickly as possible. 

My balance showed XXXX from XXXX and then I wake up this morning Im showing XXXX charged off thats impossible! They should not be allowed to damaged consumer credit like this knowing they received funds to clear the full Balance of the loan!!! Consumers didnt even know they took our loans or anything we had to search social media and other places to find things out and I made my payments faithfully until My truck was totaled out! And they were paid the balance of XXXX! For XXXX XXXX XXXX. They took my warranty away and everything I had for 2 years owning this car until XXXX XXXX XXXX went out of business. 

This was closed at XXXX balance and removed and placed back without notice with a huge balance thats incorrect.

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 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX XX/XX/year> Scott & Associates , P.C . 
XXXX XXXX XXXX XXXX, Texas XXXX Validation of Debt Request Account ending in XXXX Dear Scott & Associates , I am writing to formally dispute the debt referenced in your communication dated XX/XX/year> I request full validation of this debt per the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I am requesting the following information : Full Account Information : Please provide complete details concerning the debt, including the original account number, the amount owed, and any interest or fees that have been added. 

Purchase Agreement : A copy of the original purchase agreement or contract from XXXX XXXX that establishes my responsibility for this debt. 

Legal Right to Collect : Documentation that confirms your legal right to collect this debt on behalf of XXXX XXXX, including any assignment of the debt. 

Additionally, I would like to remind you of the provisions under the Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S. Code 6802, which restricts financial institutions from disclosing nonpublic personal information without prior notification to customers. I expect that you will handle my personal information in compliance with the GLBA and will not share my information with third parties without my consent.

Please send all requested documentation to my address listed above. I appreciate your prompt attention to this matter and expect a response within 30 days as stipulated by the FDCPA.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

UNAUTHORIZED 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 XXXXXX/XX/year>

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 2025-02-27 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: MS

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: CO

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2025-02-27 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-02-27 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: AL

Complaint narrative:
I am filing this complaint regarding an account that has appeared on my credit report without my authorization. The details of the fraudulent account are as follows : Creditor/Company Name : XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Issue : Identity Theft I have never opened or conducted any business with this company. 
I recently reviewed my credit report and discovered this unauthorized account. I believe this is a case of identity theft, as I have no knowledge of or affiliation with XXXX XXXX. This account has negatively impacted my credit score and financial standing. 

Requested Resolution : I request the immediate removal of this fraudulent account from my credit report. 
I request that XXXX XXXX provide any documentation or evidence they claim supports my alleged obligation to this account. 
I request that the CFPB investigate this matter to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and any applicable consumer protection laws. 
I request that the credit bureaus be notified to permanently block this fraudulent account from reappearing on my credit reports.

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 2025-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I took out the payday loan in XXXX XXXX next to my then employer as an emergency. I signed up for my payments to be automatically withdrawn using my checking and routing account numbers. My shifts at my job were XXXX hours and started before they opened, and after they closed, plus I lived XXXX minutes away. I explained this to them when getting the loan and I was told not to worry, they would withdraw it when payment was due. Every payday they would call me and ask to withdraw the money and every time I told them to take the money. I also told them every time they called that I signed for the payments to be automatically withdrawn and to please do that- do not call me at work as this can get me fired. They never collected payment even after telling them to do so. The last time I spoke to someone I told them that I signed up for automatic withdrawal for a reason and to please just take the payments out and stop calling me. They said okay. A few months later I got a letter stating that they were intending to send me to court for non-payment. I called and asked why they never took the payments out and explained that I had tried to make payments but it was an inconvenience with my job and location to physically go to the store, and that I signed up for automatic withdrawl directly from my bank account for a reason. I offered to pay the full amount of {$860.00} and some change in 3 payments and they refused. Now they're taking me to court. At every turn they have refused payment and are now threatening to garnish my wages. This isn't right. It was in my contract that they automatically withdraw the payments and they never attempted to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NC

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2025-02-27 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: MA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES 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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian, XXXX, and XXXX are causing miss information fraud an all of other things. I want all accounts deleted an monies returned asap.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: PR

Complaint narrative:
The following hard inquiries are fraudulent and do not belong to me, therefore, they need to be removed. Thanks. 

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