vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
My personal and financial information was compromised without my authorization. The XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to protect my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal and financial information was compromised without my authorization. The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to protect my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 2025-03-07 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: HI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
On XX/XX/year>, I was contacted by a debt collector from Source Receivable Management regarding a debt from XXXX XXXX XXXX. During the call, the debt collector used threatening language, stating that legal action would be taken and that the debt would be reported to my credit report. I have contacted XXXX previously, and they confirmed the account was closed incorrectly due to a change of address. Despite this, the debt collector continues to make threats and refuses to acknowledge the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: Open Dealer Exchange, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year>2025 Hard inquiry on my credit report My husband was going to buy a car. They had us fill in the initial information but, due to a timing issue, we had to come back the next day. I was not able to so they told me since I would not be able to be there to sign documents they would take me off the application and just have my husband on. All of the signed documents are in his name and he was the only signer on the documents. The title is in his name only and his was the only credit they should have checked, and were authorized to check - not mine. But I got notified that my credit got hit with a hard inquiry from them. I called and they denied they did it at first but then I gave them the address and they admitted it was them but stated, " it must have been a system error ''. I asked that they write a letter stating what happened but do not trust that they will, so I am writing to get this removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-07 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: AZ

Complaint narrative:
I WANT THESE FRAUDULENT INQUIRES OFF MY CREDIT. THIS IS HARMING MY ABILITY TO GET WHAT I WANT DONE IN LIFE. THEY APPEARED TODAY. PLEASE HELP!

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 2025-03-07 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

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 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My American Express account has been on a mail basis for many years. The company would mail a written invoice, only when there were charges pending. The company failed to mail me an invoice for a fee of {$95.00} ( for membership anniversary of XXXX, XXXX ) until late XX/XX/XXXX. After receiving this invoice I canceled the card via online chat XX/XX/XXXX. 
It strikes me that the company is preying on customers accustomed to paper invoices by delaying hard-copy billing until long after the renewal anniversary. 
I spoke to " XXXX '' at customer service XXXX on XX/XX/XXXX. She confirmed my cancellation via chat on XXXX XXXX, XXXX. I requested that the {$95.00} fee be waived, but she said could not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Personal Cash Loans of SC, Inc.
State: SC

Complaint narrative:
I had a family emergency which I communicated with they have signs posted that they will work with you as long as you communicate but they weren't willing to work with me on the date I was able to pay. Then I had XXXX emergencies in XXXX and a unexpected moved that I had to make. They have called my job everyday to the point my job asked them to stop calling and then they called private to try to reach me at work even after being asked not to call. They contacted my dad and left a voicemail today XX/XX/year> and he is not listed on my account. I don't know how they got his information and I am.sure it's illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NC

Complaint narrative:
I keep requesting for Equifax to remove XXXX XXXX XXXX from my credit report. the company keeps sending them requests to add it back. I check my Equifax reports daily through my account with Equifax. I keep seeing the XXXX XXXX XXXX account opened and reporting it constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: OH

Complaint narrative:
Regarding a wire transfer sent on XXXX XXXX by Bank of Oklahoma also known as BOKF to my companies banking institution, XXXX XXXX XXXX XXXX, after a successful real estate transaction was completed. Federal reference # XXXX. 

On XXXX XXXX and XXXX XXXX after I submitted the complaint. I received a letter from Bank of Oklahoma. Stating that they received my complaint and to reach out to them for questions. I have contacted the person on the letter through both email and call. I have received no response. 

The funds have been sent back to the sending bank, Bank of Oklahoma from XXXX XXXX on XXXX XXXX. No justification, proof or explanation as to why the funds were returned back. 

The funds legally belong to my company, XXXX XXXX XXXX. Attached is the all of the documentation that this transaction was completely legal, ethical and authorized by both parties before the funds had been sent on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
With no service and explanation, Clover and Fiserv or First data withdrew XXXX XXXX XXXXXXXX from the XXXX XXXX XXXX XXXX  checking account. A total of {$5300.00}. I connected to Clover, who could not identify what it was about, and I am looking for CFPB help to get a refund for these improper charges/fees. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-07 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: The CBE Group, Inc.
State: TX

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: I.C. System, Inc.
State: TX

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report and to notify you of my intent to pursue civil liability under 15 U.S.C. 16810 tor negligence in noncompliance with the Fair Credit Reporting Act ( FCRA ). The following discrepancies have been noted : XXXX XXXX XXXX XXXX 1 previously submitted a dispute, but the inaccuracies have not been corrected. Under 16810, 1 am entitled to seek damages for this failure to comply, which has negatively impacted my credit. I request that you : 1. Correct the inaccuracies immediately.

2. Investigate these issues in compliance with the FCRA. 3. Compensate me for any harm caused due to this negligence. 
Please address this matter promptly. If not resolved within 30 days, I will seek legal action as necessary. Thank you for your immediate attention.

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 2025-03-07 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: NY

Complaint narrative:
I have not supplied proof under the 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 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 2025-03-07 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 the 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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: NJ

Complaint narrative:
I want to make it clear that this judgment is not mine and should never have been filed against me. In the past, someone attempted to take out a student loan using my identity. When I reviewed my credit report, I discovered the fraudulent account and immediately disputed it with all three major credit bureaus. As a result, the account was successfully removed from my credit file, confirming that it was never mine. This judgment was originally filed against me in XXXX, but the case was dismissed in XXXX. Despite this, the attorney and plaintiff have improperly refiled the case against me, even though I have no connection to this debt. This is unfair and appears to be an abuse of the legal system. I have already taken the necessary steps to protect myself, including filing a police report regarding the identity theft. Additionally, the continued attempts to collect on a debt that does not belong to me and the refiling of a previously dismissed case may violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Pursuing a debt with clear proof that I am not responsible for it is not only unjust but also deceptive and misleading. I am requesting that all collection efforts related to this judgment cease immediately. I also ask that this case be dismissed with prejudice to prevent it from being wrongfully refiled against me again in the future. I should not have to repeatedly fight against a claim that has already been proven false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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 the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-07 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX opened on XX/XX/XXXX, a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX  XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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 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 2025-03-07 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: 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 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 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
YOUR COMPLAINT FEEDBACK RE : XXXX XXXX  XXXX XXXX is the 3rd party trying to collect in this debt. Velocity Investments purchased this debt from XXXX. Now Velocity is claiming that I owe them this debt. {$2600.00}, from XX/XX/year>. Summary of Complaint : I am submitting this complaint against XXXX XXXX concerning their collection practices and the validity of the debt they claim I owe. Below are the specific issues : Ownership of Debt : Provide documentation of the chain of ownership, including how the debt was purchased and transferred to the collector. Legal Collectability of Charged-Off Debt : Clarify how a charged-off debt remains legally collectable and why collection efforts are continuing. IRS Reporting ( 1099-C ) : Explain why a 1099-C form has not been issued if the original creditor has canceled the debt for tax purposes. Compliance with FDCPA : Detail how the collector is adhering to FDCPA rules in their communication and collection practices. Use of OC-10 Federal Reserve Window : Explain whether the original creditor used an OC-10 Federal Reserve Window or similar process involving negotiable instruments, such as a promissory note, to settle this debt, and clarify why this debt is still being pursued if it was already processed through such mechanisms

Company response to consumer: Closed with explanation