vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why. I routinely check my report, but this time, I was shocked to see unexpected discrepancies. I even refreshed my browser, hoping it was a temporary glitch, but the inquiry remained. This is extremely frustrating, and I need this issue resolved immediately. Please review the documents Ive provided so I never have to deal with this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Requested removal of personal statement from credit report. Can not obtain assistance or a way to remove on my own

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 2025-02-28 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
Dear ALDOUS & ASSOCIATES, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 2 ) A detailed statement of the amount owed, including any fees or interest. 3 ) Evidence that this debt is within the statute of limitations. Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My busniess was broken in and bank accounts/ credit cards personal property client information was all taken and not recovered. My loss has now left me as identity theft victim that is still occurring through debtors and my personal cellphone and computer are being used to collect my personal information. XXXX XXXX XXXX  hacked into and demanded money. XXXX support scam person pretending to be with apple support got into my bank account screen sharing was the way to go and get the access needed to my bank, I received a letter from a unknown person in my email demanding I have to pay XXXX $ in XXXX cash to them or my place of residence they have my address would be visited and I would be in harm and falsely Claiming to spread info about me to all my contacts if I did not follow the instructions to deposit money into their accounts. Ive lost cell phones/computers/ business disruption now loss and financial crisis since the beginning of theft arrised in XXXX  XXXX law has been named as a theft victim and I was notified. The loan company sent me a letter saying they had been hacked and my information was compromised. Unknown debt and charges are still on 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 2025-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Coast 2 Coast Financial Group, LLC
State: TX

Complaint narrative:
On XXXX XXXX @ XXXX the company Coast to Coast Motors had my vehicle repossessed. On XX/XX/2024 I went to retrieve my belongings out of the vehicle and I saw some items were missing. I informed the company and they said that they do not handle that and that I needed to get in touch with the financial department. So I called the financial department and they said that they do not have control over that because they use a third party towing company and I needed to call the police. I asked for the information for the towing company and they said they can not give me the information because they do not know the company. I asked for information about who has access to get in and out of the vehicle and they said can not give me that information. I asked for a manager they said the managers were gone for the day. I asked who can handle this they said the police are the only people that can help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never got a notice in the mail from this lender of any missed payments from the following account name and number : Dept of ED/XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence such correspondences that were sent to my current address that demonstrate the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I can not believe Im still dealing with this. I have contacted you multiple times regarding the accounts on my credit report that are still in litigation, yet nothing has changed. These accounts should not even be impacting my credit, and the fact that they remain on my report despite my repeated attempts to correct this is unacceptable.

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 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
My XXXX payment was late because they sent my statement late. Because of this, they assessed a late fee of {$29.00}. When my payment was received, they deducted the late fee from my payment without notifying me that there was a late fee or obtaining my approval to divert the funds from their intended purpose. When I called, the representative, who was taking calls at home judging by the background noise, informed me that this is standard practice for them. I requested documentation that I had approved this practice. She informed me that there was no documentation but she could send me a form that I could fill out directing that this not occur again. What I received was a dead web link.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: MA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: OH

Complaint narrative:
Ive just obtained a copy of my credit report and noticed there to be errors. According to XXXX XXXX XXXX XXXX Permissible purpose of consumer reports, I am entitled to an accurate credit report. Also, this is subject in response to the order of a court having jurisdiction to issue such an order, subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. 

XXXX XXXX XXXX  LOAN-ACCT # XXXX states I have XXXX missed payments, and that I am ALSO currently late. THIS IS INACCURATE! This account stated it was originally charged off in XXXX, and now states it is XXXX days late, also that it was closed on XX/XX/XXXX. This, again is inaccurate. Under the FCRA I am entitled to an accurate credit report, and I would like this account DELETED from my credit report as soon as possible.

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 2025-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Ive just obtained a copy of my credit report and noticed there to be errors. According to 15 US Code 1681b- Permissible purpose of consumer reports, I am entitled to an accurate credit report. Also, this is subject in response to the order of a court having jurisdiction to issue such an order, subpoena issued in connection with proceedings before a FEDERAL grand jury, or a subpoena issued in accordance with section XXXX of title 31 or section 3486 of title 18. 

CAPITAL ONE AUTO LOAN-ACCT # XXXX states I have 10 missed payments, and that I am ALSO currently late. THIS IS INACCURATE! This account stated it was originally charged off in XXXX, and now states it is 90-119 days late, also that it was closed on XX/XX/XXXX. This, again is inaccurate. Under the FCRA I am entitled to an accurate credit report, and I would like this account DELETED from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
XXXX XXXX, 2025 The Robinhood account alone, the hackers sold {$16000.00} worth of stocks and then STOLE the money. I have transaction histories for each account involved if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Kriya Capital, LLC
State: TN

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and to also send other documents so I can review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: Meridian Financial Services, Inc.
State: MA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Massachusetts Laws Dear MERIDIAN FIN, I am writing to formally address the unauthorized reporting of information to my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Massachusetts consumer protection and identity theft laws, including M.G.L. Chapter 93, Sections 50-68, and M.G.L. Chapter 266, Section 37E. 

It has come to my attention that MERIDIAN FIN has engaged in unauthorized reporting to my credit report without my explicit consent. Under the FCRA, Section 1681b ( a ) ( 2 ) strictly requires that consumer consent be obtained prior to reporting such information. Additionally, under Massachusetts law, M.G.L. Chapter 93, Section 54A imposes obligations on furnishers of credit information to ensure accuracy and consumer authorization. 

Furthermore, Massachusetts identity theft laws, specifically M.G.L. Chapter 266, Section 37E, classify the unauthorized use or dissemination of personal identifying informationincluding financial datawithout consent as a serious offense. By reporting my information without authorization, MERIDIAN FIN may be in violation of these statutes, which are designed to protect consumers from financial harm and identity fraud. 

I assert unequivocally that I have not provided consent for MERIDIAN FIN to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, has the potential to damage my creditworthiness, and represents noncompliance with federal and Massachusetts state laws. 

Therefore, I demand that MERIDIAN FIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Massachusetts statutes protecting consumer credit information. If corrective action is not taken within 30 days, I will consider this as willful noncompliance and pursue all available legal remedies, including formal complaints with the Massachusetts Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and potential civil litigation under FCRA provisions. 

Compliance with these regulations is not optional but a legal obligation. I expect MERIDIAN FIN to act promptly to rectify these violations and respect my rights under both federal and state law. 

This notice is issued in good faith with the expectation of immediate resolution.

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 2025-02-28 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: WA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Re : Complaint Regarding XXXX XXXX XXXX and Violation of XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
XXXX XXXX XXXX XXXX ( XXXX ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with explanation