vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CT

Complaint narrative:
Dear Equifax : I am writing this complaint because I attempted to dispute accounts listed that are obsolete and reported inaccurately. Per the FCRA these accounts are to be removed because the data furnisher failed to comply with Section XXXX of the FCRA. 

The accounts lists are all as follows " ALL accounts listed as closed with corresponding address of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX If you fail not to delete these accounts my attorney will file a case against Equifax for willfull noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NJ

Complaint narrative:
TransUnion/XXXX  failed to conduct a proper investigation of my credit report disputes, despite my submission of supporting documentation, including an Identity Theft Report and proof of payment. Disputed accounts include fraudulent accounts, incorrect balances, and inaccurate reporting. I request CFPB assistance to ensure compliance with the FCRA and resolution of these disputes.

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 2025-01-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Rolling XXXX XXXX XXXX 
XXXX, TX. XXXX XXXX XXXX. XXXX XX/XX/year> XXXX I am requesting a current copy of my credit report and that you remove any and all freezes or Fraud Alerts on my report. 
Under the FCRA I am allowed to get a free copy of my credit report every seven days. 


Disputed item : I have never lived at XXXX XXXX XXXX XXXX XXXX, IL. XXXX and under the FCRA you can not just state that because an account shows that address that you are leaving the address on my credit report you must do independent research and provide me with the type of research you did and the outcome. 

I have no problem filing a complaint with the CFPB and filing a lawsuit under section 1681n. Civil liability for willful noncompliance of the FCRA. 



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 2025-01-11 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:
I am filing this CFPB complaint along with an Identity Theft Affidavit to report 5 separate fraudulent accounts which is appearing on my consumer FICO credit report, which I do not recognized as reported, and which are a result of identity theft and fraud. These fraudulent accounts consist of a collections account with CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number ( private ), I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports, and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

Experian refuses to send me their method of verification by the data furnisher, yet the keep saying my dispute has been verified and updated. 

see attachments!

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am writing to formally dispute in violation of federal laws protecting consumer rights and personal information. 

Violations Cited 1. 15 U.S.C. 1681b Under this section, access to my consumer report is permitted only for specific, permissible purposes. I have reason to believe that my consumer report was accessed without proper authorization or a valid purpose as defined under the law.

2. 18 U.S.C. 1028A This law criminalizes knowingly transferring, possessing, or using another individuals means of identification without lawful authority. If my personal information was used fraudulently or without consent, this constitutes a violation of this statute.

3. 15 U.S.C. 6802 This section mandates that financial institutions provide clear disclosures about how they share and protect customers private information. Additionally, it requires explicit consent before sharing sensitive personal information in non-permissible ways. If my information was shared without my knowledge or consent, it violates this law.

Request for Action I am requesting that you : 1. Provide documentation showing the basis or authority for accessing or sharing my information.

2. Investigate the unauthorized use or sharing of my information, identify responsible parties, and provide a written response with your findings.

3. Cease any further unauthorized access, use, or disclosure of my personal or financial information.

4. If applicable, immediately delete any records or information obtained unlawfully or without my consent.

Next Steps If you fail to resolve this issue promptly, I reserve the right to take further action, including filing complaints with FTC or pursuing legal remedies. 

Please respond to this letter within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CT

Complaint narrative:
There were accounts that was showing us closed. That means they have written off the debt but yet they still have it on my report and did not remove it and I requested tax form and they did not send me what I requested as a write off

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 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Michael J Adams PC
State: TX

Complaint narrative:
On Wednesday, XX/XX/XXXX, at XXXX and XXXX I logged into my XXXX XXXX XXXXXXXX online account and saw that there was a credit hold on my checking in savings account and both accounts had a XXXX balance though there was money in both accounts. I called XXXX  XXXX XXXX customer service at XXXX and again at XXXX and was told that this is normal that there may be a fraud with my accounts or simply a merchant making sure that the charge will go through. I verified my last 12 transactions, and both times the XXXX customer service representatives said the credit hold should be released within 48 hours and my balance should reflect what was in my account. I logged into my XXXX online account Friday morning at XXXX and saw that both my checking and savings account was XXXX and that my XXXX XXXX XXXX  was pending and that my direct deposit from my employer was pending and that my accounts had a legal hold. 

I called XXXX  customer service and after being on hold for over an hour, I spoke with a CSR who said that my accounts are closed due to a judgement placed by State of Texas and XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. The CSR gave me the phone number ( XXXX ) XXXX and said that I need to call this number. I called XXXX XXXX XXXX XXXX ( XXXX ) XXXX ext. XXXX and left a detailed message, I looked up the company website and sent a detailed email requesting information concerning the judgement and explaining that I was never contacted by this firm concerning any XXXX credit card debt and if I could make monthly payment arrangement. 

Also, when I was speaking with the XXXX customer service representative, I asked why XXXX  XXXX XXXX did not notify me before my accounts were closed and the CSR could not answer my question. I did however receive an email and letter posted to my savings account Saturday XX/XX/XXXX ; at XXXX from XXXX  XXXX XXXX simply stating that there was a judgement and that all my direct pay was suspended, and accounts were closed. 

This has seriously affected my way of living ; I can not access my money. 

Is this legal? This debt was bought by XXXX XXXX XXXX XXXX back in XXXX and now XXXX XXXX XXXX XXXX filed a judgement with the state of Texas in XXXX. Please help, I did reach out to legal aid in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: IL

Complaint narrative:
CFPB needs to add these payment services like Klarna to their options. 

Made a purchase on XX/XX/XXXX using Klarna for XXXX. On XX/XX/XXXX XXXX XXXX made a price adjustment on the purchase and the new amount was {$250.00} not including tax. XXXX XXXX processed the price adjustment. The {$250.00} has not been applied to the original form of payment. It's been 33 days. Then on XX/XX/XXXX i returned one of the items for a refund of {$68.00}. 

Have spoken with or provided Klarna with all of this information XXXX different times. Have done nothing to correct the problem. 

On XX/XX/XXXX I used the Klarna service again to process a transaction with XXXX. The transaction didn't process on the vendor side yet Klarna took the money out of my account. Then on XX/XX/XXXX they reversed it but then charged my account again. There is no purchase or order completed yet Klarna went ahead and took {$470.00} for an order that doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And according to XXXX XXXX XXXX XXXX they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information XXXX XXXX XXXX  In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall XXXX XXXX XXXX  promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and XXXX XXXX XXXX promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Went through Lexington Law twice trying to find out if Im eligible to receive any of my money back. My name was XXXX XXXX has since been changed to XXXX XXXX, but I worked with them twice to help me and found out that they were being sued in order for me to see if I qualify to receive any of my money back. I need to do an address and name update. My current address is XXXX XXXX XXXX, XXXX, SC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I made a purchase of XXXX XXXX slippers on XX/XX/year>. I was then emailed on XX/XX/year> that the purchase of mine was canceled due to insufficient stock. I was still charged for the order and contacted their customer service number for a refund. I had to file a dispute for it to be resolved and had to wait 90 days to receive a response back. I received a letter in the mail two days ago that was sent out on XX/XX/year>, that they are not going to issue me a refund. I never received this order and I submitted to them screenshots of my card being charged. I have tried calling and sending a message under my account and no one has helped me on the phone and I keep getting errors when I send a message despite it showing that it was sent successfully. I want the charge of {$120.00} refunded to my account, if they are unable to do so, then I would like to receive the product that I purchased before it was canceled. 

In addition to this dispute, they ended up closing me entire credit card when I tried to escalate it further. I just recently got my credit card back open again. But they labeled the dispute as a fraudulent purchase when that wasn't what I labeled the issue as. This entire experience has been very inconvenient and frustrating. It has been 3 months and the issue has still not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I asked Tomo Credit to close my account because my bank was not compatible with their product. On XX/XX/XXXX, I received a response from Tomo Credit that my account was closed ; however, the credit card company continued to try to charge my debit card from that day in XX/XX/XXXX to currently in XX/XX/XXXX. Since that email exchange, I changed my debit card information and Tomo Credit still found a way to continue to charge my account. This is financial exploitation because I never gave Tomo Credit my routing or checking account number and I have asked for this account to be closed which they claim to have closed yet they continue to charge my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX. And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Was contacted with my water bill, lease, ID, ssn and a signature asking for all holds, locks, freezes, alerts, comments etc be lifted from my account so my report could be pulled. I also asked for only XXXX address to appear and the rest to be deleted. I then showed how XXXX and XXXX has removed XXXX account for a charge off and you guys still have it there even after the company letter for removal. You are in violations some including : XXXX XXXX ( XXXX ) XXXX ( Any payments during XXXX are required to be deferred or forgiven ) XXXX XXXX XXXX ( XXXX ) ( You have a right to privacy If you consider your late paymentikes to be private information, they must be deleted from your credit ) XXXX XXXX XXXX XXXX ( a ) ( Any transactions between you and the creditors are required to be excluded from your credit report. ) I also stated to remove all Inquiries showing and broke down which and the times and you guys replied with 0 issue resolved. It is your duty to uphold the law and hold 3rd parties responsible for the consumers sake

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I tried to use my card to make a purchase on XXXX for XXXX with XXXX tax total was XXXX. XXXX kept getting declined. I contacted the company and spoke with XXXX people in XXXX and they kept telling me there was a XXXX dollar limit a day for purchases. I told them I had the money on the card and who are they to tell me how to spend it. They said oh well and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: MI

Complaint narrative:
I am a victim of data breach, in which my personal information was exposed. As a result of this breach, I am requesting that any fraudulent accounts opened in my name be blocked and deleted in accordance with my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Specifically, I request that ( Credit Bureau ) block and delete : XXXX XXXX -- - Balance {$9200.00} This account was opened or created as a result of identity theft or unauthorized use of my personal information. I believe this account is a direct consequence of the data breach and should be promptly addressed.

To support my request, I have enclosed the following documentation : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). A copy of my government-issued identification, Proof of address, Affidavit, and Any other required documents for verifying my identity and the fraudulent activity.

Please take the necessary steps to block and delete this fraudulent account associated with identity theft from my credit file. In accordance with the FCRA, I request written confirmation that these actions have been completed and that my credit report has been updated accordingly

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It seems to me that something is wrong with your system. My credit is not updating like it should be. All the other bureaus seem to have updated all of my accounts. This has been going on for a month. I am struggling because I go to the help center, which is so generic there are no real answers, you can not even search. So it directs you to call customer service. The customer service line only has limited answers like the help center, but they never transfer you to get help. It just tells you they can not transfer you and to check the help center and hangs up on you. What kind of business practices is this. Do you think it's ok to do this to people because you know you are XXXX of only XXXX companies people HAVE to use. It's XXXX. Just for reference this morning the other credit bureaus had all of my info correct and my credit went up 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