vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
Eqifax TransUnion and Experian had removed XXXX XXXX XXXX  off my credit report which is a fraudulent account and not even a week later the account has been placed right back on my report Im so frustrated with dealing with this and Im getting nowhere the account is a charge off account and the balance on the account is XXXX dollars I want this account removed right back of my credit file permanently the confirmation number is XXXXThank you my name is XXXX XXXX my date of birth is XX/XX/XXXX last XXXX digits of my social security number is XXXX my phone number is 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 2025-03-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Clarity Debt Resolution, Inc
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Clarity Debt Resolution , Inc. due to multiple breaches of contract, lack of communication, and misleading practices that have significantly impacted my financial well-being. 

I enrolled in Claritys debt resolution program with the understanding that they would negotiate my enrolled debts for a settlement amount equal to or less than the original debt balance. Specifically, my debt with XXXX XXXX was approximately {$5600.00}. However, Clarity is now stating that I must pay {$6500.00} plus their 25 % fee, or alternatively, settle directly with the creditor for around {$7800.00}. This contradicts the original agreement, where settlements were to be negotiated to reduce the debt, not increase it. 

Furthermore, the company has consistently failed to provide me with written documentation of the proposed solutions, despite my repeated requests. I have asked numerous times for detailed written explanations of the settlement offers and the reasoning behind the increased amounts, but these requests have been ignored. 

Communication with Clarity has been exceedingly poor. They do not respond within the timeframes they outline, leaving me without essential information and guidance. This lack of responsiveness exacerbates my financial stress and diminishes my confidence in their service. 

I feel misled by Clarity from the outset of our agreement. Their initial promises and the contractual terms do not align with their current actions, and their unwillingness to communicate or provide documentation leaves me feeling trapped in an escalating financial situation. 

I request that the CFPB investigate Clarity Debt Resolution for these practices, ensure they provide a detailed account of their negotiation efforts, and hold them accountable for any contract breaches. I hope this complaint helps prevent other consumers from experiencing similar distress. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$9100.00} XXXX XXXX  # XXXX XX/XX/year> -- {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> -- {$3100.00}

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 2025-03-01 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 hope you're doing well. I'm reaching out because I've discovered something alarming on my credit report that I need to have addressed immediately. It seems that there is an account listed that was opened using my identity without my permission. This is a clear case of fraudulent activity, and I want to make it very clear that I had no involvement in opening this account.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope you're doing well. I'm reaching out because I've discovered something alarming on my credit report that I need to have addressed immediately. It seems that there is an account listed that was opened using my identity without my permission. This is a clear case of fraudulent activity, and I want to make it very clear that I had no involvement in opening this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My data/ information was expose in the data breach. I have people calling me 24 hours a day, threatening that if I do not pay this, the debt that the police will get involved.

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 2025-03-01 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: MN

Complaint narrative:
In XXXX my girlfriend opened a Wayfair credit card account and added me as an authorized user. I was removed as authorized user 3 months later in XX/XX/XXXX. I disputed it with all 3 bureaus and XXXX and XXXX removed it. XXXX refuses after 9 disputes and 3-4 disputes with Citibank ( lender of the wayfair Mastercard ) and both have said it is accurate. And it is not accurate. Citibank then proceeds to tell me they wont report any historical data. Last month ( XX/XX/XXXX ) I saw they started reporting it on my credit report again. I called Citibank and disputed it again with XXXX  since they said they wouldnt report historical data, but in fact did. I called and requested they request to have it reported and removed by XXXX  and they refused and I was hung up on twice by Citibank. I cant get a live person at XXXX  to explain my situation. This is very frustrating and its dropped my XXXX  score by XXXX points while my other two scores are within XXXX points of each other. I really feel like they are causing me damages by making it hard for me to get any credit cards, loans, and housing since its not just barely above XXXX. I dont know what to do anymore. This has been ongoing for almost 2 years.

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 2025-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solutions XXXX XXXX XXXX XXXX XXXX In XXXX I received a bill from XXXX XXXX for services rendered in XX/XX/XXXX. I asked XXXX XXXX for an itemized list of these services since my bill with their company for quarterly lab work had never been more than {$40.00}. They could not tell me what the charges were for, so I respectfully declined to pay. 

I provided written documentation to XXXX XXXX from my doctors office stating that no testing other than usual had been ordered and my doctors office recommended not to pay. 

XXXX XXXX then turned my account over to RGS who continues to send me statements showing a balance due with threats to sue.

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 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
i received a letter from a company named Resurgent Capital LLP They started the letter by saying thank you for your inquiry I never contacted them then they sent a old copy of a judgment that was already dismissed In XXXX XXXX XXXX XXXX NY by a Judge. they stated i still owed an amount and they was collecting and was going to continue to pursue this dept. First i never contacted this company and did not need to since this dept was thrown out in XXXX but in XXXX they Fraudulently sent a old useless judgment and lied saying i contacted them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX XXXX  - XX/XX/XXXX - {$3200.00}

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 2025-03-01 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX XXXX  - XX/XX/XXXX - {$3200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SERVICEMAC, LLC
State: MI

Complaint narrative:
I put in several mitigation packets to modify my home payment.They have told me several times that I did not make enough income. Even with my spouse has Increased In work hours as well as I.

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 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank XXXX XXXX XXXX XXXX XXXX All decreased my credit limit without any reason why All my payments were made on time XXXX XXXX  said I was late on my payments but only one hour so they decreased my credit limit however I had auto withdrawal so Chase Bank XXXX XXXX XXXXXXXX XXXX XXXX  all decreased my credit limit unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX, refused to provide payoff information to XXXX XXXX dealership in Missouri and made almost impossible for the dealership to payoff my existing loan. Nissan is indirectly monopolized its customer to stick with their product, if you buy a Nissan there is no problem, but XXXX can't buy a lease or payoff a loan unless the customer pay it off ... Nissan has possibly written it contract in a way that could be very discriminatory for consumer to seek other services outside of Nissan when it comes to refinance or lease vehicle with other car manufacture / maker. In addition Nissan has refused the payoff my loan per conversation with an agent. This has also caused higher interest of payment. Nissan is holding me liable for a debt on a car that was traded in through a dealership in which they have attempted to pay off. Please investigate if Nissan practices might be in violation of the law for unfair practices. In general we can't buy or sell Nissan products with transparency unless is done thru them ....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-03-01 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: RI

Complaint narrative:
There was a goverment data breach and my information was completely exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: OH

Complaint narrative:
I can across the cfpb Experian lawsuit I feel I was negatively impacted hurting my chances at receiving a response to my earlier dispute that the account was verified

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: LA

Complaint narrative:
This account was paid in full and closed on XX/XX/2023. I asked the company to report this information to the credit bureaus but it still shows a revolving credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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

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