vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: CITIBANK, N.A.
State: PA

Complaint narrative:
PURSUANT TO 15 USC 1681 REPORTING DATA BREACH Between XX/XX/year> and XX/XX/year>, a former employee may have accessed and shared my personal information. The employee has since been terminated, and there is an active investigation underway in partnership with law enforcement. 
The personal information shared included my name, contact information, date of birth, account number and transactional data.

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 monetary relief
Consumer complaint received 2025-03-02 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: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
My personal info was leaked in several companies data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
According to this section of the law, certain items are excluded from the definition of a consumer report, which may include obsolete or inaccurately reported information. I believe the late payments reported on my credit file fall under this category due to their inaccurate, misleading, or unverifiable nature. Since credit reporting agencies are required to ensure all information reported is fair, accurate, and substantiated, I request an immediate investigation and removal of these late payments from my 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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOV ASSOC Re Acct # ( XXXX ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962el ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Penin te out be et menvest any of fared enore that you submi, you are instructed to take no Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information recelved from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: NV

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
My family member that I care for and did her banking, laundry, made apts for, care for, and cook for her and ect passed away on XXXX Her son had left her his retirement check when he passed away on XXXX The check is in the amount of {$1500.00}. And it needs re issue and deposit in her account to cover the negative balance of {$1700.00} when her annuity was recalled on XXXX and we pay the difference. 
We don't want to close the account out immediately XXXX might still release the funds again. We have death certificate and XXXX  paper work. What does Truist bank need?

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 2025-03-02 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:
Breach of the system my information might have been stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: AL

Complaint narrative:
Breach of the system my information might have been stolen

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 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account was blocked. I was not informed of this block. I came to find out after my card kept declining none of my auto payments are going through. I missed my rent and now many more payments. My check got bounced back and XXXX still waiting on that. I ve been contacting Wells Fargo for the last XXXX weeks and no one was even able to tell me why it was blocked. I went to a branch and provided my paper work to verify the account is mine. They said that it would be unblocked within XXXX hours at most. Its been XXXX  days and my account is blocked and I received no follow-ups regarding this block.

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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cawley & Bergmann, LLP
State: NJ

Complaint narrative:
XXXX placed a debt on my credit report in XXXX. The debt was charged off in XXXX. I never received any communication and they sent me to Cawley and Bergman in XXXX to collect the debt. I asked for proof. To no avail. Cawley and Bergman sent me a letter in the mail stating that I owed {$16000.00} to a debt that was already charged off in XXXX. I never stated I owned this debt and started a payment plan because I was threatened by Cawley and Bergmans XXXX XXXX XXXX XXXX. We negotiated to {$8000.00} but according to the supposed debt it was {$14000.00}. XXXX then sent to the credit bureau that I was 90 days past due on my payments. I paid {$2000.00} last XXXX and paid {$250.00} per month totaling $ XXXX {$8000.00}. According to the law, web bank sold my debt and received a tax credit for the debt. Ive reached out to them asking for my payment history and original signature on the debt. This has yet to be done. XXXX XXXX also uses scare tactics like stating my ss # when I call to speak with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
I paid them for around XXXX  years about XXXX and only small amounts of debt paid off XXXX out of XXXX debts that were enrolled. Im not sure where my money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 


# # # Incorrect Personal Information : Also Known As : XXXX XXXX # # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ). 

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me. 

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 


# # # Incorrect Personal Information : Also Known As : XXXX XXXX # # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ). 

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me. 

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.

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 2025-03-02 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 



# # # Incorrect Personal Information : Former : XXXX XXXX # # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me.

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 



# # # Incorrect Personal Information : Former : XXXX XXXX # # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me.

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I froze my credit with all three credit reporting agencies. I was able to promptly unfreeze with XXXX and XXXX. I am unable to unfreeze with Experian, because their log in process is broken and their automated telephone system will not allow you to speak to a human being. The main problem appears to be that when you reach the step where you are required to enter a verification code that is texted to your mobile number, the code is not sent. Attempting to log in through alternate means either sends you to the same text verification problem OR claims incorrectly that your information " does not match '' Experian 's records. I was able to receive a text message from Experian 's automated phone system with a link that just sent me back down the same rabbit hole of requiring another text verification code that never comes or claiming incorrectly that my record information is incorrect. I need to unfreeze my credit report in order to move forward with a mortgage loan application and Experian 's incompetence and refusal to allow you to reach a human being is threatening my ability to purchase a new home. I researched on line and this appears to be a longstanding and common problem with Experian.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by 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 2025-03-02 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Ive. Been a victim of identity theft I never got a credit account with affirm and its showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Credit card charges excessive amount of fees for processing fee to open card excessive amount of fees for annual fee to open card then a excessive amount for interest this company is a bandit and they due not practice fair business and I was supposed to get a double line credit increase which they somehow changed my payment information for the first month late this company is scamming people with low credit and low income to draw them into default the minimum person can not afford this card with so many fees and interest and if they give you a credit line increase they charge you for that

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 2025-03-02 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: CL Holdings LLC
State: NY

Complaint narrative:
My information was apart of several data breaches. There are several accounts that arent mine, there are incorrect spellings of my name, and incorrect addresses on my credit report. 

XXXX XXXX XXXX  {$150.00} IC XXXX {$330.00XXXX XXXX  {$280.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$15000.00} These accounts were opened without my knowledge and I am checking my credit and see all of these things here after years of letters saying my info was in a data breach, I didnt think anything of it. I have gotten letters or anything from any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
My information was apart of several data breaches. There are several accounts that arent mine, there are incorrect spellings of my name, and incorrect addresses on my credit report. 

XXXXXXXX XXXX XXXXXXXX {$150.00} XXXX XXXXXXXX {$330.00} XXXX  {$280.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  {$2100.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$15000.00} These accounts were opened without my knowledge and I am checking my credit and see all of these things here after years of letters saying my info was in a data breach, I didnt think anything of it. I have gotten letters or anything from any of these companies.

Company response to consumer: Closed with non-monetary relief