vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A thorough review of my credit record revealed problematic late payment entries that remain unresolved despite my diligent efforts to address them. Over 30 days have passed since I sent formal letters requesting validation of these entries, yet I have received no response or satisfactory explanation for their continued presence. This lack of communication and proper validation raises significant concerns about the accuracy of these reported late payments.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, TransUnion has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 6802. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Equifax, LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information, hard inquires, soft inquiries, any collections and or charged off accounts and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Equifax had possession of my information.

Above it all, my name, was part of the data breach, and now I'm challenging the 30-day response time, per 15 USC 1681i ( a ), also challenging investigation protocol per 15 USC 1681i ( a ) 6 ( B ) 3.

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 2025-02-27 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.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, TransUnion has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 6802. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Equifax, LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information, hard inquires, soft inquiries, any collections and or charged off accounts and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Equifax had possession of my information.

Above it all, my name, was part of the data breach, and now I'm challenging the 30-day response time, per 15 USC 1681i ( a ), also challenging investigation protocol per 15 USC 1681i ( a ) 6 ( B ) 3.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Im writing to ask for your help with a serious issue Im facing regarding an Affirm account ( XXXX ) that was opened in my name on XX/XX/year>. I did not authorize this transaction, and in fact, I returned the few items I received from this order when they were delivered to my home. 

Ive made several attempts to resolve this with Affirm and XXXX, but I keep getting told that the account is verified, despite it being the result of identity theft. Ive even provided proof to a debt collection agency thats harassing me about this debt, showing them that the account isnt mine, but theyre still pursuing it. 

All I want is for this fraudulent account to be closed and removed from my credit report. Ive tried everything on my own, but I havent had any success, and its causing a lot of stress. 

I would really appreciate your help in getting this resolved so I can move forward and stop dealing with this issue. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: SC

Complaint narrative:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.

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 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have pulled my XXXX XXXX  report and saw that there are bank accounts that I do not recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: DE

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I never opened these accounts, yet they are being reported under my name, creating a false and damaging representation of my financial history. This is unacceptable, and I need immediate clarification on why this is happening.

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 2025-02-27 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: DISCOVER BANK
State: NC

Complaint narrative:
Im reaching out for help regarding an issue Ive been dealing with for a while now. My Discover card ( account number : XXXX XXXX XXXX  ) was opened in my name back on XX/XX/XXXX, but in XX/XX/XXXX, I found out that it was involved in identity theft. 

Since then, Ive been trying to get the account closed and removed from my credit reports, but nothing has worked. Ive contacted both XXXX and XXXX, and they keep telling me the account is verified, even though its fraudulent. Ive also called Discover and explained the situation, but I havent had any luck getting it resolved.

I really need help with this. I just want the account closed and removed from my reports, but no matter what Ive tried, its not happening. Could you please assist me in getting this taken care of? I have filed another identity theft report as well. 

Thank you so much for your time and help. I really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

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 {$29000.00} XXXX XXXX XXXX XXXX XXXX- {$500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kinum, Inc., Indianapolis, IN Branch
State: IL

Complaint narrative:
I have nothing to do with this debt collection or debt or invoice. They are calling random employees cell phone numbers trying to get someone to pay a " debt ''. I repeatedly told them to stop contacting me and to remove my number from a list and my cell phone to what they responded " good luck '' and that they will keep contacting me and not place me on a do not call list. They kept trying to bait me into saying that I knew something about this " debt ''. When in fact I am not related to or have anything to do with it. Even when I called the company directly to remove my number from there list I was given an extremely hard time about telling them to stop contacting my cell phone. 

The first rep thought it was funny to place me on hold and play music instead. Real piece of work this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
A careful review of my credit record revealed concerning late payment entries that remain unresolved despite my previous attempts to address them. More than 30 days have passed since I sent letters requesting validation of these entries, yet I have received no response or satisfactory explanation. This lack of communication and proper validation raises serious questions about the accuracy of these reported late payments.

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 2025-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my XXXX XXXX XXXX account on my Equifax credit report. This account is currently listed as charged off with a {$0.00} balance, which presents the following inaccuracies : 1. Charge-Off Status but No Balance If the debt was settled or paid, it should not continue reporting as a charge-off.

2. First Delinquency Date If incorrect, it may extend the reporting time beyond the 7-year limit under the Fair Credit Reporting Act ( FCRA ).

3. Closed but Reporting Negatively If the account was paid, it should reflect Paid instead of a charge-off. 

Most importantly, this account has exceeded the legally allowed 7-year reporting period and should have been removed from my credit report in compliance with 15 U.S. Code 1681c ( a ) ( 4 ). Continuing to report this account is a direct violation of the Fair Credit Reporting Act and is causing undue harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
As I was reviewing my credit profile I had seen quite a few inquiries that did not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-27 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: MS

Complaint narrative:
I am writing to report an ongoing issue with a fraudulent account that remains on my credit report despite my repeated efforts to resolve it with Experian, TransUnion, and Equifax. 
I am a victim of identity theft, and I have provided all three credit bureaus with extensive documentation to substantiate my claim, including : Police report Identity theft report filed with the Federal Trade Commission ( FTC ) Notarized identify theft affidavit Proof of address Proof of identity ( including my Social Security card ) Despite submitting this evidence, the account continues to appear on my credit file. I have also notified original creditor of this matter, but the issue persists. This fraudulent account is causing me significant financial and emotional distress, and I am fully prepared to escalate this matter if necessary to ensure its removal. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit bureaus are required to investigate and remove inaccurate or unverifiable information from a consumers credit report within 30 days of receiving a dispute with supporting evidence. Additionally, Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) obligates furnishers to correct or delete information they can not verify as accurate once notified of an identity theft claim. I have fulfilled my responsibilities by providing the required documentation, yet neither the credit bureaus nor creditor have complied with their legal obligations.

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 2025-02-27 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to report an ongoing issue with a fraudulent account that remains on my credit report despite my repeated efforts to resolve it with Experian, TransUnion, and Equifax. 
I am a victim of identity theft, and I have provided all three credit bureaus with extensive documentation to substantiate my claim, including : Police report Identity theft report filed with the Federal Trade Commission ( FTC ) Notarized identify theft affidavit Proof of address Proof of identity ( including my Social Security card ) Despite submitting this evidence, the account continues to appear on my credit file. I have also notified original creditor of this matter, but the issue persists. This fraudulent account is causing me significant financial and emotional distress, and I am fully prepared to escalate this matter if necessary to ensure its removal. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit bureaus are required to investigate and remove inaccurate or unverifiable information from a consumers credit report within 30 days of receiving a dispute with supporting evidence. Additionally, Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) obligates furnishers to correct or delete information they can not verify as accurate once notified of an identity theft claim. I have fulfilled my responsibilities by providing the required documentation, yet neither the credit bureaus nor creditor have complied with their legal obligations.

Company response to consumer: Closed with explanation