vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft through XXXX data breach and XXXX XXXX data breach. Attached is a copy of my identity theft report with all fraudulent accounts listed. 

Experian fraudulent accounts XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX {$870.00} XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: IN

Complaint narrative:
A loan was taken out from this company in the amount of {$900.00}, however, this was before it was brought to my attention that Enable Loans is operating illegally as a " XXXX XXXX  '' who is not a licensed payday lender in my state, Indiana, which they were aware of when the funds were dispersed. This company is operating under the XXXX XXXX XXXX of the XXXX XXXX XXXX, which is a recognized tribe, however, they are working under a different LLC which is not associated with this tribe. They are charging usury amount of interest according to my state 's laws, which prevail over other states as it is a requirement to be a licensed lender in the states one would be lending money. Due to the illegality of this company, my contract is null and void. I have revoked any and all ach authorization once this was brought to my attention and I have offered a payment plan for principal only, although I am not legally required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CT

Complaint narrative:
I received an email on XX/XX/XXXX at XXXX am that my account was being closed. 
I tried to call Chime multiple times that day and its like they blocked my number so I couldnt talk to a live member. The automated system said I had to email. 
On XX/XX/XXXX I emailed the stating my account was closed when will I get my money? 
No response. No money received by me either. 
Here it is XX/XX/XXXX! Still no money. 
I called XX/XX/XXXX to chime at XXXX : XXXX XXXX  and they told me a check will be mailed to my new address. I just had to send proof of new address and identification. I sent the proof in same day! On XX/XX/XXXX they said they didnt send a check because funds were transferred to my state unclaimed funds unit. I called my state unclaimed funds unit and THEY never received anything for me. Chime still has my funds and will not release it. I called today to chime XX/XX/XXXX. Chime stated my account was closed due to inactivity. I received a direct deposit every week! Every a day before they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this formal complaint regarding Equifaxs violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed a fraudulent account and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
montgomerg ward closed my account. i was paying on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Service Company, INC
State: CO

Complaint narrative:
I was given a notice of garnishment only this week. The notice does state it was filed back in XXXX but only on XX/XX/XXXX did I receive the notice at work. No explanation no proper way to contact the collector. In the letter it does state I owe way more than what I thought I owed. I owed roughly {$1500.00} but they state I owe {$2700.00} roughly. Before I got the notice I do remember them all calling me at odd hours of the day and it would be all day roughly I would get almost late into the evening and early morning. I tried calling them but there wait time took forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my credit report and noticed a couple of fraudulent inquiries i didn't authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I purchased a town and country minivan with my wife. we got a divorce in 2020. It was a very contentious and uXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The judge specifically awarded the XXXX to my ex ( see attached ) though. She stopped making payments and the XXXX was repossessed making 2 years of late payments and the repo on my record. XXXX years later I am trying to get a loan for my buisness and found out there are 2 years of derogatory statements in my credit report that caused me to be denied for my loan. I sent the judges order to santandar to show that the vehicle was not legally mine when the payments were missed and vehicle was repossessed, but they refuse to remove it from my credit report and are claiming I still owe them over {$7000.00} for a vehicle that isnt mine and was awarded to my ex wife. Apparently, however the vehicle with derogatory statements attached is not on my exes credit report, even though she is the XXXX who was awarded possession of the vehicle... not me. How would I have known she wasnt making payments, and why do I have to pay off a vehicle that isnt even mine? XXXX just trying to run a buisness and raise my kids and this XXXX company is destroying eveything XXXX trying to build for my kids by lying about what I owe them and by denying a court order stating the vehicle isnt mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I purchased a town and country minivan with my wife. we got a divorce in XXXX. It was a very contentious and uXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe judge specifically awarded the XXXX to my ex ( see attached ) though. She stopped making payments and the XXXX was repossessed making 2 years of late payments and the repo on my record. XXXX years later I am trying to get a loan for my buisness and found out there are 2 years of derogatory statements in my credit report that caused me to be denied for my loan. I sent the judges order to XXXX  to show that the vehicle was not legally mine when the payments were missed and vehicle was repossessed, but they refuse to remove it from my credit report and are claiming I still owe them over {$7000.00} for a vehicle that isnt mine and was awarded to my ex wife. Apparently, however the vehicle with derogatory statements attached is not on my exes credit report, even though she is the XXXX who was awarded possession of the vehicle... not me. How would I have known she wasnt making payments, and why do I have to pay off a vehicle that isnt even mine? XXXX just trying to run a buisness and raise my kids and this XXXX company is destroying eveything XXXX trying to build for my kids by lying about what I owe them and by denying a court order stating the vehicle isnt mine.

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

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint to formally dispute the continued credit reporting of XXXX or more accounts associated with XXXX XXXX XXXX  that I believe are no longer eligible for reporting under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX  is currently furnishing account information to XXXX or more credit bureaus that appears to be outdated and beyond the legal reporting period allowed under the FCRA. These accounts are negatively impacting my credit report, and I believe their continued reporting is both inaccurate and unfair. 

I have contacted XXXX XXXX XXXX  directly and requested they : XXXX. Verify the validity and accuracy of the accounts in question. 
XXXX. Provide documentation proving the accounts are still legally reportable. 
XXXX. Cease reporting any accounts that are too old or unverifiable. 

To date, I have not received adequate resolution or proof that the reporting is compliant with federal regulations. Therefore, I am requesting the CFPB investigate this matter to ensure my rights are protected and that XXXX XXXX XXXX  is held accountable for any improper reporting practices. 

I have enclosed relevant documentation ( if available ) to support my claim and welcome any further requests for information needed to assist with your investigation. 

Thank you for your time and attention to this matter. I trust the CFPB will assist in resolving this issue promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT WORLD SERVICES, INC.
State: NV

Complaint narrative:
I am disputing owing any and all debts listed by this collection agency because they are violating my consumer rights by their harmful actions described below : The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency is violating my consumer rights by denying me the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has NO AUTHORITY to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-6 2 ( 7 ) ( A ). Furthermore, I am revoking all rights of the collection agency to communicate with me through email/text/phone calls.Their harmful actions against me are causing me great mental anguish and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
Report on Issue with U.S. Bank and XXXX XXXX I would like to formally report an issue that occurred with U.S. Bank regarding a XXXX transaction on XX/XX/XXXX. The problem arose because, when I attempted to make the transfer using the banks mobile app, it suggested a XXXX account under my friend 's name, along with her phone number. It seems likely that the app retrieved her contact information from my phone. 

After proceeding with the transfer, my friend later informed me that the money was sent to an account at a bank where she does not have any accounts. It appears that her phone number was associated with someone elses account. 

I promptly contacted U.S. Bank to report the issue, explaining that the app had presented a misleading XXXX account under my friend 's name, which ultimately led to the funds being sent to the wrong recipient. I requested a refund, and they informed me that they would contact XXXX regarding the matter. 

However, when I followed up on XX/XX/XXXX, I was informed that my dispute had been denied. This decision was made even though the name associated with the XXXX transaction and the bank name were clearly inconsistent. 

Whats most concerning is that I never manually registered my friend 's phone number for XXXX. Typically, for a XXXX account to be saved, a previous transaction would have been required, which was not the case here. The bank 's app suggested that specific recipient address on its own, ultimately leading me to make the transfer to the wrong account. This system error resulted in a significant financial loss for me, and I feel it is unjust for my claim to be denied under these circumstances. 

I request that U.S. Bank conducts a thorough investigation into this matter and reconsider their decision regarding the dispute.

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