vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: MO

Complaint narrative:
Please delete negative debt and inquiries off all three credit bureaus. This debt is over ten years old, and the creditors charged them off and did provide me with a XXXX so I could file this income with the IRS. XXXX, XXXX, and Equifax have been sued for releasing personal information from their system being HACK and cause an hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: OH

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT. I will take them to court if they do not remove all of these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XX/XX/XXXX XXXX the account attached was supposed to be deleted per agreement with the dealership and general manager. Also attached is the agreement screenshots & confirmation.

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 2025-02-18 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: AR

Complaint narrative:
XX/XX/XXXX XXXX the account attached was supposed to be deleted per agreement with the dealership and general manager. Also attached is the agreement screenshots & confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: AR

Complaint narrative:
XX/XX/XXXX XXXX the account attached was supposed to be deleted per agreement with the dealership and general manager. Also attached is the agreement screenshots & confirmation.

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 2025-02-18 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:
I DISCOVERED THAT MY PERSONAL INFORMATION HAD BEEN USED TO OPEN UNAUTHORIZED CREDIT CARDS & ACCOUNTS WITHOUT MY CONSENT.

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 2025-02-18 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Firstsource Business Process Services, LLC
State: AZ

Complaint narrative:
XX/XX/year> I was served court papers. This debt is years old and they never sent me a card so I wasn't able to log in and pay off. I called and tried and they said they do not see me in their system. I received XXXX letter for payment from a debt collector. They also want my card number and I cant supply them with XXXX as i do not have XXXX. I don't know what I am supposed to do. I don't not have any text or email with either company. this has also never hit my credit score. now i dont know what i am supposed to do with court papers. 
XXXX  XXXX XXXX id the original and first source advantage is the collector. amount shown owed is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My truck was towed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for transmission issues on the XXXX or XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX explained to me the problem with my transmission and the cost would be {$4800.00}. I asked XXXX do XXXX XXXX XXXXe and he said yes with Synchrony XXXX XXXX which I have finance with them before and he sent me an link to Synchrony which I was having problems with. I called XXXX to let him know I was having problems with the link and he said I can do it from my end and I said fine. XXXX called and inform me he had completed my application and I was approved for {$5000.00} not knowing he used my credit card before the job was done and without my permission because normally when I finance something I at least put some cash down so my credit score won't drop to low. I contacted XXXX supervisor about this matter and he said that XXXX! XXXX wasn't suppose to use my credit card without my permission and not before the job was completed. My problem is with Synchrony for not protecting me from scams and giving companies access to use my credit card without my permission and maxing out my credit card before the job was completed. How do i know how much my vehicle really cost? How do I know they didn't sabotage my link so they could charge me more? How do I know XXXX XXXX and Synchrony is not working together to scam consumers? I hold Synchrony totally responsible for this issue they should not give companies access to abuse people credit card.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 
Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: RI

Complaint narrative:
Coinbase recently forcibly closed a series of limit orders I held. They sent an email noting it was due to new risk mitigation procedures and they felt my orders were outside the area they considered safe trading. Several of my orders were forcibly closed and those funds frozen. Coinbase gave me one resolution. Close all remaining orders and hope my funds would settle appropriately and the funds would unfreeze. This of course did nothing other than cancel my orders and credit me for those. I have calculated the forcibly removed orders supplied the company with all order identifications, time stamps, order pairs, amounts and values. I will supply those here as well if I can. They encouraged me to download my statement and cross reference however No canceled order activity shows there. I will supply through their order management page where I had screen grabbed the orders in question before they made me close all remaining orders. Typically if I cancel an order those funds are returned as I am no longer trading that bet. This time my orders were seized by their order book maintenance and no refunds issued. This is theft and fraud. My bets were no longer honored and simply they stole those seized funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-18 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
My vehicle was stolen with my wallet in it. Containing my drivers license and social security card. As a result of this a identity thief open multiple credit accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/scrub>XXXX I was served court papers. This debt is years old and they never sent me a card so I wasn't able to log in and pay off. I called and tried and they said they do not see me in their system. I received XXXX letter for payment from a debt collector. They also want my card number and I cant supply them with XXXX as i do not have XXXX. I don't know what I am supposed to do. I don't not have any text or email with either company. this has also never hit my XXXX XXXX. now i dont know what i am supposed to do with court papers. 
bank of America id the original and first source advantage is the collector. amount shown owed is 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 2025-02-18 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate removal of an unauthorized hard inquiry on my credit report conducted by XXXX XXXX. Upon reviewing my credit report, I discovered that XXXX XXXX made a hard inquiry without my explicit consent, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

I never authorized this inquiry, nor did I apply for credit with your company. Under the FCRA, you are required to have permissible purpose before initiating a hard inquiry on a consumers credit file. Since I did not grant such authorization, this inquiry is unauthorized and must be removed immediately. 

I demand that you : XXXX. Provide documented proof that I gave written permission for this inquiry. If you fail to provide this within 30 days, it will be considered a direct violation of my consumer rights. 
XXXX. Immediately remove this hard inquiry from my credit reports with all three major credit bureaus ( TransUnion ). 
XXXX. Confirm in writing that the removal has been processed. 

Failure to comply with this request will leave me with no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will seek legal action against XXXX XXXX for damages caused by this unauthorized inquiry. 

This is your final notice. You have 30 days from the date of this letter to respond and take corrective action, or I will pursue all available legal remedies against XXXX XXXX. 

I expect an immediate resolution to this matter. Please send written confirmation of the removal to the address listed above. 

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 2025-02-18 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-02-18 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: MS

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection account reported on my credit report. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to formally express my concern regarding the unexpected and unexplained closure of my checking account, XXXX, which I opened on XX/XX/year> Despite the banks claim that I was contacted prior to the closure, I never received any notice via email, phone, or mail. 

The account was only open for approximately two weeks and had no activity because I was waiting for my debit card to arrive. I was not given any opportunity to use the account before it was closed. Furthermore, I was not provided with a clear reason for the closure, which I find both unfair and inconvenient. 

I respectfully request the following : 1. A written explanation for why my account was closed, including any policies or guidelines that led to this decision.

2. Clarification on how and when the bank attempted to contact me regarding this matter.

3. Information regarding the return of any funds I initially deposited, including the timeframe and method of return.

I would appreciate a prompt response to resolve this issue. If I do not receive a satisfactory explanation, I may escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I went to look at my credit file and discovered that there were accounts hard inquiries and some accounts were opened from someone attempting to get an account opened in my name and ultimately did get some credit card accounts opened in my name.

I have reached out to these creditors many times and they still have not helped me. I've also reached out to all three bureuas and they have not helped me neither. So now im reaching out to this institution so that this problem can be fixed as it has affected my life horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/year>, I was approved for the Amex XXXX XXXX with a welcome offer of XXXX points if I spent {$6000.00} within XXXX months. 

When I received the card and logged into my account, a tracker displayed my progress toward the spending requirement and how much I had left to reach the goal. 

Today, I logged in to check my status, but the tracker was missing. Concerned, I contacted Amex chat support, only to be told I did not qualify for the welcome offer. This is unacceptable, especially since the welcome offer and card benefits were the primary reasons I chose this card. 

Ive had the card for XXXX months and have been spending intentionally to ensure I meet the spending requirement. Its extremely disappointing that Amex has not provided any meaningful support or resolution. Im left feeling frustrated and confused about what happens nextand frankly, Im shocked that a company of their reputation can misrepresent their marketing in this way.

Company response to consumer: Closed with explanation