vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

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 2025-04-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 2025-04-08 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: EQUIFAX, INC.
State: TX

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This account was taken off of my profile and the angency keeps reporting it to my profile over and over again, even though it was fraud, and the reason it was taken off in the first place. This is fraud and it is not my account. By law they must take it off of my account, as Ive since sent multiple letters telling them, that this is not my account. This account does not belong to me and I have made it known to the company, as well as the bureaus and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I am requesting that these accounts be either verified with full documentation from the original creditors or immediately deleted from my credit file. I do not acknowledge these debts, and no valid documentation has been provided to me proving their legitimacy or that I am legally obligated to pay them.

Pursuant to FCRA Section 1681i, I also demand : 1. The method of verification used to confirm these accounts ( FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

2. The name and contact information of the person or business that verified each item.

3. Removal of these accounts from my file if they can not be properly verified within 30 days.

Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am also prepared to seek legal remedies for negligent or willful noncompliance as provided under FCRA Sections 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MD

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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
I used my Chime credit card to pay for a {$1300.00} deposit hold for a car rental company. When I returned the car the funds were released back to my account. The rental company sent me a verification email which I sent to Chime. The hold should have been for up to 60 days and its now passed the time period. I reached out the Chime via phone call over XXXX times and they have told me it would be escalated to tier XXXX over 5 times. I have recorded calls and emails stating that Chime is holding my funds and they dont know how to fix the problem. I have been in need of the funds since I recently moved into a new apartment and it was money I was expecting to receive quite some time ago. Chime hasnt reached back to me or called me to give me any update or to give me any timeline for when I will receive my funds. I was told over the phone on XXXX separate occasions I would be receiving the funds within 24-72 hours but Ive still yet to see any reflection on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-08 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: MO

Complaint narrative:
Seeing multiple inquiries from your company on my credit report has been frustrating and confusing, especially since I never applied for anything with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My issue is with Experian properly investigation into my dispute of alleged accounts attached to this complaint..I have ask for documentation from Experian under the Fair Credit Reporting Act and have not recieve anything..I HAVE ATTACHED a copy of lasted report dated XXXX in reference to underlying accounts.

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 2025-04-08 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: AL

Complaint narrative:
Due to Equifax data breach my personal info was exposed and a card was opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. Please remove these accounts from my report as it is hurting my ability to obtain credit. 

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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
This letter serves as my final demand to delete the following invalid and unverified negative accounts that continue to be reported on my credit report despite multiple attempts to have these corrected : XXXX - XXXX This account has been fully paid and closed. 
XXXX - XXXX This account has also been fully paid and closed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( as reported by TransUnion ) This is an invalid collection account that I never agreed to or authorized. I have no signed contract or legal obligation to this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 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 2025-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my experience with ClearOne Advantage, whose Debt Management Program ( DMP ) I enrolled in on XX/XX/year>. 

At the time of enrollment, I was fully current on all my credit accounts and maintained a credit score of approximately XXXX. I was advised by ClearOne representatives to immediately stop making payments to my creditors, and that I would likely receive collection calls, but should ignore them, as ClearOne would be handling all communications with my creditors. 

They assured me that : My credit score would not be drastically affected, ClearOne would promptly contact all creditors, and The XXXX would help me manage my debt without severely harming my credit. 

Unfortunately, after following their advice in good faith, I experienced a devastating drop in my credit scorefrom around XXXX to the low XXXX. Additionally, several of my accounts were reported as delinquent or charged-off, causing long-term damage to my credit profile. I have since learned that ClearOne did not contact all my creditors in a timely or effective manner, and there was no clear plan in place to prevent the negative reporting. 

Had I been truthfully informed about the real and significant risks to my credit standing, I would not have proceeded with this program. Instead, I feel I was misled and placed in a worse financial position than when I started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: LEXISNEXIS
State: MI

Complaint narrative:
I have not given your comment any permission to report any un verified information per 15 usc 1681 b this account must be removed. As a federally protected consumer, I know I opt out per 16 CFR 313.7 Opt out notice. Per 18 U.S. Code 1028A - Aggravated identity theft you have taken my personal information and reported negative information about me with out my permission. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and not verbal For you to publicize this information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I purchased an mattress from XXXX mattres, using Affirm to pay, the merchant agree on the return and picked up the mattress, but did not issue a refund, i asked the Affirm to issue a dispute because the merchant agreed and the return has been processed, but no refund.. Affirm refused the refund even though i provided proof of the return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Falsified original date and amount owed on new account XXXX XXXX {$880.00} open XX/XX/XXXX received no notice until XXXX XXXX alert on XX/XX/XXXX. This account is already in collection under LVNV FUNDING LLC for {$790.00} dated XXXX. They have illegally change the date, amount and sold contract to report same collection!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
I am writing to formally dispute and request the deletion of a late payment entry currently being reported on my credit file. This request is based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 15 U.S. Code 1666b

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 2025-04-08 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: NC

Complaint narrative:
I am writing to formally dispute and request the deletion of a late payment entry currently being reported on my credit file. This request is based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 15 U.S. Code 1666b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
My wife received a phone call the morning of XX/XX/year>. Our son had just left for XXXX XXXX XXXX, so she answered the call, thinking it was someone from the XXXX. The person on the call told her that they were with the FBI and that her identity had been stolen. They told her that she needed to take money out of our accounts to ensure that the money would not be stolen. They were in contact with her the whole time, and although she never saw them, they told her that they could see her and described to her everything that was going on. She went to the XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, High Point, NC, and withdrew {$6500.00}. She then went to Fifth Third Bank on XXXX XXXX XXXX XXXX, XXXX, NC XXXX, and withdrew {$10000.00}. They then instructed her to go to a Bitcoin ATM on XXXX XXXX XXXX XXXX, XXXX, NC XXXX, and deposit the {$10000.00}, and the XXXX ATM on XXXX XXXX XXXX XXXX, High Point, NC, and deposit the {$6500.00}. They told her that the FBI would come to our house at XXXXXXXX XXXX  and then told her not to speak with her husband ( me ). They told her that her identity had been stolen and was being used for drug money laundering. I have filed a police report with the XXXX XXXX, NC, Police Department. The banks need to train their employees to recognize these scams! No one should be withdrawing this amount of cash. They need to be suspicious and try to help their customers!

Company response to consumer: Closed with explanation