vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
I don't regularly go out shopping and like never in XXXX much less in expensive stores like XXXX. 
I made a supermarket order on Wednesday XX/XX/year> in the evening and I paid with my Apple Bank debit card, I swiped my card in the card reader by the register and put it back in my pocketbook. I stayed home XX/XX/XXXX and XXXX. 
My XXXX  went out shopping on Friday XX/XX/XXXX and when he tried to pay with his debit card ( from the same account as mine ) he couldn't because the account was empty. He called me right away to ask me how much was my purchase of Wednesday ( it was XXXX ) and if I used the card after that and I responded in the negative. We were missing near XXXX XXXX dollars from our checking account. 
He stopped by the bank to check out where is our missing money and the bank clerk find out that there was a pending purchase from Thursday XX/XX/XXXX at XXXX pm at a XXXX store in the amount of XXXX {$670.00}. That the amount of {$800.00} was charged but when my funds were not sufficient they charged all what was left on my account ( {$670.00} ). My husband informed the bank that we didn't made that purchase, never were in that store and that I have the card with me. They gave him the telephone number of the fraud department of the bank. I called that number and they told me that I can not do anything yet because it's pending and I need to wait till it goes thru and there it is a possibility that is not going to go thru. I explained to her that I didn't make that purchase and I refuse the transaction and she answered me again that I need to wait. 
On Saturday night the XXXX of XX/XX/year> I called the bank and found out that it went thru. 
I left a message at the bank fraud department should give me back a call. 
Sunday morning they called me back and I gave my complain and told me that I need to wait till 10 days that they will do an investigation. 
On Thursday XX/XX/year> I got a letter from the bank to inform me that my complain was denied because from the investigation that they made it came out that my card with my chip was used for that purchase. I asked what with a signature if they have XXXX from me and they answered me that it wasn't needed. i explained that it's impossible I didn't used my card after that supermarket purchase but is like talking to deaf ears. 
I want to get back my money from Apple Bank and I want to know who stole my money and how.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
On XX/XX/year>, I submitted a school misconduct discharge application to Mohela for private loans that I had with XXXX XXXX for attending XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. While my federal have been XXXX under XXXX vs. XXXX, Mohela has denied my misconduct discharge application for my private loans and will not provide a reason as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Collection Management Holdings, LLC
State: AZ

Complaint narrative:
I have blocked them for years yet I still get voicemail. I have tried calling this number back but it never goes through. It's always a robotic woman named XXXX XXXX. I am on the federal do not call list yest I still receive these frustrating calls. I can't even threaten to sue because it's a robot call and no one ever answers when called it's XXXX. They were calling from another number but I blocked that one before too

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-21 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 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-03-21 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: NV

Complaint narrative:
While reviewing my credit file I noticed unauthorized inquiries that I did not initiate. I have tried reaching out to the credit bureau to remove these unauthorized inquiries off my report but has not been successful.Per section 605B of the fair credit reporting act ( 15 U.S.C. 1681c-2 ), the following unauthorized inquiries must be removed from my credit file. Please investigate and remove all inquiries that do not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you.

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 2025-03-21 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: AL

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year>XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay 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 results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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 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. This account has violated my rights. 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. 
Account 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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Constantly getting phone calls from PORTFOLIO RECOVERY multiple times a week/month! They keep calling from different numbers, so you can't just block one number. Apparently, they are a debt collection agency. I do not have any debt. And I've never had anything go into collections. Here is the list of numbers they have used to contact me before:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXand many more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-21 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-21 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:
I'm submitting this complaint due to my rights being violated because of data breach from Experian, TransUnion, & Equifax. Experian, TransUnion, & Equifax allowed my credit report/profile information to be disclosed, accessed, shared and/or possibly used without my consent. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX XXXX XXXX XXXX {$0.00}, Date : XXXX XXXX, XXXX XXXX XXXX, Balance {$0.00}, Date : XXXX XXXX, XXXX XXXX XXXX, Balance {$640.00} XXXX Date : Opened XXXX - Last Reported XXXX XXXX, XXXX XXXX, Balance {$0.00}, Date : Opened XXXX. XXXX, XXXX Last Reported XX/XX/XXXX XXXX XXXX XXXX  Balance {$470.00}, Date : Opened XXXX. XXXX, XXXX - Last Reported XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$740.00}, Date : Opened XX/XX/XXXX - Last Reported XXXX. XXXX, XXXX XXXXXXXX XXXX Balance {$1000.00}, Date : Opened XXXX, XXXX - Last Reported XXXX, XXXX XXXXXXXX XXXX XXXX  Balance {$3000.00} XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, Balance {$16000.00}, Date 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 2025-03-21 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'm submitting this complaint due to my rights being violated because of data breach from Experian, TransUnion, & Equifax. Experian, TransUnion, & Equifax allowed my credit report/profile information to be disclosed, accessed, shared and/or possibly used without my consent. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX XXXX XXXX XXXX {$0.00}, Date : XXXX XXXX, XXXX XXXX XXXX, Balance {$0.00}, Date : XXXX XXXX, XXXX XXXX XXXX, Balance {$640.00} XXXX Date : Opened XXXX - Last Reported XXXX XXXX, XXXX XXXX, Balance {$0.00}, Date : Opened XXXX. XXXX, XXXX Last Reported XX/XX/XXXX XXXX XXXX XXXX  Balance {$470.00}, Date : Opened XXXX. XXXX, XXXX - Last Reported XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$740.00}, Date : Opened XX/XX/XXXX - Last Reported XXXX. XXXX, XXXX XXXXXXXX XXXX Balance {$1000.00}, Date : Opened XXXX, XXXX - Last Reported XXXX, XXXX XXXXXXXX XXXX XXXX  Balance {$3000.00} XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, Balance {$16000.00}, Date XXXX XXXX XXXX, XXXX - XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-21 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I went to a Santander branch to initiate a wire transfer to a rental company in New York for an apartment. The wire transfer was placed under compliance review and has remained there without updates or a timeline, despite multiple follow-up attempts through the branch on XX/XX/XXXX, XXXX, and XXXX. 

On XX/XX/XXXX, the rental company informed me that the apartment was no longer available and that if the wire transfer went through, the funds would not be refunded. As a result, I immediately requested that Santander cancel the wire transfer. 

On the same day ( XX/XX/XXXX ), my checking account was frozen, and I have been unable to access any of my funds since then. I followed up with the branch and customer service on XX/XX/XXXX and XX/XX/XXXX but have not received any explanation for the prolonged compliance review or a timeline for resolution. 

This situation is causing financial hardship as I am unable to access my own funds and have no clarity on when the account will be unfrozen.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-03-21 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 ) XXXX XXXX XXXX. 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 2025-03-21 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: PR

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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