vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
Equifax has violated the FCRA by failing to remove unauthorized inquiries from my credit report. On XX/XX/XXXX, I sent a detailed dispute explaining that the creditors responsible for these inquiries confirmed they had no evidence of my authorization. 

Despite the FCRA requiring verification of all credit inquiries, Equifax has failed to provide any documented proof of my consent and has continued reporting these inquiries. 

The disputed inquiries are : XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Equifax has violated the following FCRA provisions : 15 U.S.C. 1681b : No permissible purpose was provided.

15 U.S.C. 1681i ( a ) ( 5 ) : Unverifiable information must be deleted.

15 U.S.C. 1681g : Equifax has failed to provide proof of my consent.

15 U.S.C. 1681s-2 : Information furnishers must ensure accuracy. 
Based on XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), credit inquiries without a permissible purpose violate the FCRA, and Equifax is in non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-03-14 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: MS

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/year> I was at the XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XXXX  Massachusetts. I was thinking about buying a mattress from mattress firm. At no point did I agree to a hard credit pull. The salesman also agreed that he would not do a hard credit pull until I was ready to make the purchase. Well, I decided to back out after thinking about it for a few minutes in the massaging chair that they sit you in. The salesman mustve been angry because I backed out and ran my credit anyway. Remove this inquiry I beg of you. Its not fair at all. Instantly when I noticed my credit was ran I called both mattress firm and XXXX  and XXXX, they all ran their investigations and none of them removed the mark. What is the point of their investigation? What did they think they would find? I never wanted to apply for any financing at the fair. The salesman agreed to never run a hard inquiry. This stuff was word for word. I dont have documentation.

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 2025-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Hello, Everyone in XXXX seemingly uses XXXX. I've tried to open and use XXXX  over the years. I've always encountered issues with the app especially with logging in. 
I've had PayPal accounts for 25 years. PayPal owns XXXX. 

I recently was trying to update the phone number on my XXXX  account, I was told that I had multiple XXXX  accounts open, and I was asked which XXXX  account I wanted to keep. I responded with which one to keep. 

I've never actually used XXXX. I have no significant transactions. I need to have one account that I use. For that it should be XXXX with phone number XXXX. 

I've having trouble with XXXX. They are claiming that I did something suspicious. I wrote and said the thing wrong is I've needed to create more than one account due to issues logging in. I've fully verified my identity multiple times already. 

It's outrageous that I would be denied a XXXX  account. I need to start using XXXX  as I occasionally sell products on XXXX, and more people are asking to pay with XXXX. Also, my friends would like to use XXXX  for payment when we go out to eat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
DOGE/XXXX  XXXX has XXXXnlawfully accessed and/or downloaded my federal student loan information which contains very sensitive information. This is illegal and done without my consent which has broken the contract of my federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$39000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$39000.00} XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$21000.00} INQUIRIES : XXXX XX/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 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I used my XXXX debit card to make a {$110.00} payment to Affirm for a purchase at XXXX XXXX. ( Loan ID # XXXX ) Shortly after making the payment, I changed my mind and canceled the loan with Affirm. However, when I requested a refund, Affirm continuously gave me inconsistent responses and failed to process my refund in a timely manner. 

Due to Affirm 's lack of action, I filed a dispute with XXXX ( Claim # XXXX ). However, when I followed up with Affirm, I was informed that XXXX had charged back the funds, meaning Affirm no longer had them. Despite this, I have yet to receive my refund, and my money remains stuck in limbo due to Affirms failure to process the return correctly. 

I am requesting immediate clarification on why my refund was not issued and what steps Affirm will take to resolve this issue promptly. If Affirm no longer has the funds, I need documentation proving this so I can escalate the matter with my bank. 

I look forward to a swift resolution. Please respond at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
This company had not only been harassing me with phone calls about this debt before it was sold to a 3rd party without me knowing and then the 3rd party threatened to sue me and seize my financial assets etc. and sent someone to my residence. The person they sent to my residence was harassing me about this and came to my door over 3 times I have them on my ring doorbell. These both violate not only my rights but as well as Section 1692d ( 5 ) in Title 15 of the U.S. Code. If anything I should be the one suing the agency for violating Section 392.403 of the Texas Finance Code and as well as Section 1692k in Title 15 of the U.S. Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
The XXXX XXXX  Account, Credit Inquiry From XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Is fraud and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Nordstrom /TD Bank XXXX XXXX XXXX XXXX Account number : XXXX Your NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ga XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: Bread Financial Holdings, 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally dispute the fraudulent account appearing on my Equifax credit report under the name XXXX XXXX, with a reported balance of {$90000.00}. I have never opened an account with this company, nor have I conducted any business with them. This account was fraudulently opened in my name without my knowledge or authorization. 

Under the Fair Credit Reporting Act ( FCRA ) and 31 U.S.C. 5118, I am asserting my rights as a consumer and demanding that this fraudulent account be permanently removed from my credit report. This account is a result of identity theft, and its presence is causing significant harm to my credit profile.

Legal Violations Supporting My Dispute : 15 U.S.C. 1681c-2 - Blocking of Information Resulting from Identity Theft : Because this account was fraudulently opened in my name, I have the right to have it blocked from my credit file upon request.

15 U.S.C. 1681i ( a ) - Failure to Conduct a Proper Reinvestigation : Equifax is required to conduct a thorough reinvestigation of disputed information and remove unverifiable accounts.

15 U.S.C. 1681e ( b ) - Failure to Assure Maximum Possible Accuracy : By allowing this fraudulent account to remain on my report, Equifax is failing to uphold its duty to report only accurate information.

Fair Resolution Request : Immediate and permanent deletion of the fraudulent XXXX XXXX account from my Equifax credit report. 

A written confirmation within 30 days that the fraudulent account has been removed. 

Assurance that this account will not be reinserted into my credit file at any point in the future. 

Implementation of additional security measures to prevent further fraudulent activity on my credit report. 

To support my dispute, I have enclosed the following documents : A copy of my credit report highlighting the fraudulent account. 

A copy of my government-issued ID to verify my identity. 

A police report and/or FTC Identity Theft Report documenting this fraudulent activity ( if applicable ). 

I expect an expedited response and full resolution of this dispute within the legally required timeframe. Failure to comply with this request will result in further escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX  and XXXX  has illegally viewed my data specially my student loans and has broken the contract with my student loans. This was done without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NJ

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 2025-03-14 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-14 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: NV

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-14 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:
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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
The company has reported the same account twice to each credit bureau. This week, we have received an unusual number of emails regarding this account being added. We have requested verification, but the company has not provided any. Additionally, another collection has now appeared under XXXX instead of Sequim for the same amount. Why is the company reporting the debt multiple times? 

My credit score dropped XXXX points today due to this single account. It appears they are deliberately trying to harm my credit after I requested verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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:
There are several accounts listed on my credit report that do not belong to me. This is not only unfair but also deeply concerning, as I have never authorized or been involved in any of these actions. If you fail to investigate these accounts and correct this error, I will be forced to take legal action.

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 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
My Affirm XXXX account has been inaccessible for the past several months. Despite repeated attempts to contact the company, I have been unable to resolve the issue. While I have observed unauthorized withdrawals and money transfers from my account, no response has been received. This situation is particularly frustrating as I have other accounts that have also been compromised. The lack of assistance from the company has left me unable to meet my financial obligations, including paying bills.

Company response to consumer: Closed with explanation