vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My personal information was exposed by Equifax XXXX back in XXXX. 
I received information from the Equifax settlement, legal administration asking for a breakdown of my time spent and what I experienced during the duration of the mishandling of my personal information being used and how it effected me personally. I put together an email attached with documentation of everything that transpired from XXXX through their cutoff timeframe which was XX/XX/XXXX. ( approximately ) Although I know I met the original deadline because I have the original email that I sent in.They reached back out to me telling me that my information was incomplete. I resubmit the entire email showing the original date of when it was originally sent in. 
Only then to be told on XX/XX/XXXX of XXXX that my claim was worth a lousy {$17.00}!! 
I was informed that they processed my claim, and then it was determined that I was eligible for a settlement, but it was re-calculated to lower my amount due to that my information was incomplete!! 
This is absolutely unethical on every level whatsoever. I am a victim.!! 
How dare they tell me after everything that Ive been through and still dealing with this on a daily basis!!! 
When Equifax settled with Federal Trade Commission {$700.00} XXXX. 
I would like to know where do I go from here? 
Because it has not stopped, I was still part of XXXX XXXX XXXX XXXX XXXX XXXX 
In addition my, Im victim of identity theft as well! 
And my personal information, including my Social Security number is on the national data system exposed!!! 
This is wrong!!! 
please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-03-17 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WHEELS FINANCIAL GROUP, LLC.
State: TN

Complaint narrative:
I have not been contacted in any way phone call, written or email by Loanmart in months and was just contacted saying my acciunt is pendibg a reposession. Not one effort has been made from them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>2024 Cash took {$2500.00} out of my account and it has not been returned nor has anybody got back to since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: U.S. BANCORP
State: CO

Complaint narrative:
Was injured in a auto accident, was XXXX because if lack of hormones. Doctors wouldn't listen. Some flipper bought the house that I was renting and had me evicted to build a duplex and get rich quick. I bought a cargo truck from XXXX XXXX XXXX  and never got the truck. XXXX XXXX refunded the XXXX  dollars I charged to their credit card. The company that was hired to deliver the truck lied for XXXX XXXX months about where the truck was. They delivered a truck to a person in XXXX, in the meantime I had to use the credit card to pay for fuel for me to move. I had put XXXX miles on my vehicle in XXXX month to get moved outside. XXXX XXXX had returned the XXXX  dollars to the trucking company. The auction copy and the trucking company both run the truck with no oil in the engine destroying my truck. The truck never left XXXX XXXX I lost over XXXX dollars on that truck. I told XXXX XXXX that when they pay me the XXXX  dollars that they owe me I would pay them the XXXX dollars that I owe them. So instead of settling with me they rather destroy my credit. All my other credit cards are charging me unreasonable interest rates because of XXXX XXXX. Interest rates of 29 % to 31.24 %. I had a credit rating of XXXX XXXX and now because of XXXX XXXX i can't get my XXXX XXXX above XXXX points.

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 2025-03-17 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 Experian, TransUnion, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Affidavit to report one fraudulent account on my Experian, TransUnion, and Equifax credit reports due to identity theft. This fraudulent loan account was opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. As a result, multiple fraudulent hard inquiries and collections have appeared on my credit reports. I demand the removal of this account and all related collection activity under my rights in the FCRA and FDCPA. Additionally, I request the deletion of fraudulent inquiries, including XXXX  XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). Please take immediate action to correct these inaccuracies within 4 days of receipt or provide proof that the FTC contacted to verify this information. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, TransUnion, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Affidavit to report one fraudulent account on my Experian, TransUnion, and Equifax credit reports due to identity theft. This fraudulent loan account was opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. As a result, multiple fraudulent hard inquiries and collections have appeared on my credit reports. I demand the removal of this account and all related collection activity under my rights in the FCRA and FDCPA. Additionally, I request the deletion of fraudulent inquiries, including XXXX  XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). Please take immediate action to correct these inaccuracies within 4 days of receipt or provide proof that the FTC contacted to verify this information. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a dispute letter certified mail XX/XX/XXXX requesting that several account be validated. I received a letter from Experian XXXX XXXX XXXXXXXX for XX/XX/XXXX stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
According to the federal Fair Credit Reporting Act, " if the completeness or accuracy oi any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. 
lf you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX XXXX, or visit our secure web site to upload your documents at www.experian.comidispute. " I called and spoke with a representative and advised her that I did in fact send the dispute letter and provided a copy of my driver 's license as proof of identify and am not understanding how the request could not come from me. I was assured that the dispute process would proceed. I mailed another letter certified mail XX/XX/XXXX advising Experian that I did indeed sent the dispute letter and provided a copy of the XXXX letter and the XXXX XXXX return receipt label. I received a letter from Experian dated Report # XXXX for XX/XX/XXXX stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy oi any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. 
lf you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX XXXX, or visit our secure web site to upload your documents aXXXX XXXX. '' I am at my wits end. I do not want to dispute online ( which is what they are encouraging me to do ) for this very reason, I don't feel that Experian is going to actually investigate my dispute. I wanted documentation of what I sent and what I received.

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 2025-03-17 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: PA

Complaint narrative:
In XX/XX/year>, I created a subscription to XXXX XXXX. This opened an account which was designed to help me build my credit based on reporting the payments that I made for my phone bill subscriptions through to my credit the company did not make payments on my behalf and claimed that I did not have sufficient funds in my account when I did have sufficient funds in my account. On XXXX XXXX they claimed to have made a payment to XXXX XXXX my behalf and claim that I owed them this amount however, with other payments, they simply did not pay the bill if the status of my checking account was insufficient funds, after saw that this was an issue I attempted to make a payment on the account website but I had a XXXX balance. I suspended my subscription which I believed to have closed my account. Over a year later, they are still reporting that I owe this amount and that my account is still open, I have reached out to them multiple times to resolve this matter, and they have been unable to provide me with any documentation validating their claims. I was unable to view my account information then and I am still unable to see my account information. The website only shows the same screen and after I attempted to link my account multiple times, the only result was a buffering circle. The fact that I am unable to view my account, update my account or receive any information in regards to my account but they are consistently reporting negative feedback on my credit report is alarming. I am concerned because of the privacy risk, the lack of accuracy in the reporting and the access that they have to my data and bank account. This is a gross breach of my privacy, my data and my rights as a consumer. I also went to the XXXX  website to file a complaint and noticed that they have several complaints against them regarding similar claims to mine.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian refuses to remove inaccurate accounts which is a violation of 15 USC 1681. Experian continues to report information they are getting from Public Records and not from the Courthouse in which they are saying is reporting these bankruptcies. Experian can not verify this information from the courthouse listed because they DO NOT share private information with credit bureaus ( see attached ). Reporting these bankruptcies is also a violation of 15 USC 1681 ( 4 ) which states I have the right to privacy. Reporting bankruptcies on my credit report violates my privacy. Also, 15 USC 1681 of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information which Experian has failed to do. As these bankruptcy accounts are inaccurate and unverifiable, I request that they be removed from my credit report immediately. I've also been made aware that these bankruptcies are attached to an address that is not mine and that I have never lived at. If the furnisher can not provide verification within 30 days, it must be deleted FCRA 605 ( 15 U.S.C. 1681c ) ** : It has been past 30 days since the first request of validation, therefore Experian is in violation. According to this section, negative information accounts must be removed from a credit report. The **Fair Debt Collection Practices Act** prohibits the reporting of false or misleading information by debt collectors. If the account is not verified by the original creditor or if there are inaccuracies, I demand its immediate deletion under this provision. If the credit reporting agency can not provide valid documentation and proof of this debt as required by **FCRA 623 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. Creditors and collectors are legally obligated to report accurate information, and failure to verify the account should result in its deletion. Failure to remove these inaccuracies will result in legal procedures against Experian.

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 2025-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
Got {$2000.00} loan from affirm, filled dispite as product was not received on time. Loan is already half paid off and affirm will give me no details about the dispute and while in dispite I can not make payments which is also harming my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accscient, LLC
State: TN

Complaint narrative:
Date of Service XXXX Balance {$670.00} Total bill XXXX XXXX XXXX XXXX XXXXstated after 3 bills my bill was sent to XXXX XXXX XXXX XXXXXXXX. I never received any notice that this bill was going into collection. The date of service was XXXX and a negative collections showed up on my credit report in areound XX/XX/XXXX. 

My XXXX XXXX has record of the appeal I filed for this bill balance back in XXXX. I never heard back from XXXX XXXX  XXXX or XXXX so I thought the bill was paid. I never even received a letter from XXXX XXXX  XXXX that this was being sent to collections nor from XXXX. I believe they use this tactic to keep from contacting people the right way. This seems illegal not to be notified of this before action was taken to contact me. I was told I was called 15 times but no dates or number provided that they called. I never received a message or letter or anything that they are alleging. I believe I was caught up in XXXX XXXX XXXXXXXX change over to new collections agency and they failed to notify me properly.. I contacted XXXX again on XXXX after receiving negative remarks all of a sudden on my credit report by XXXX  They opened another case and did notify me that the previous appeal did not go through proper process so it us currently being renewed. If I was properly contacted then I would have looked into this earlier bc I have zero to hide. I pay my bills.

I was verbally told today after 3 letters sent then bill goes to collection agency. Previously, in XXXX, I was told by XXXXXXXX XXXX XXXXXXXX they had a new collections provider. It may be that my information may have gotten lost in the change over and now being bullied due to their errors.

I never received a message, a letter, or call about any of this heading to collection. I always pay my bills and have a record of doing so. I would like to file a complaint into their business tactics. I have a reference number from XXXX were they are stating they will pay thus balance. Thus could have been resolved if I was contacted properly. 

Please take a look into my case. 

Respectfully, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/XXXX my car phone and while it was stolen there was {$3000.00} in my account and my account was completely drained and there were charges also account changes made to my email cards added to my debit and credit cards and when I was able to get access to a phone and which was on XX/XX/XXXX I reported it to chime who secured my account but stated that they would be unable to help me unless I had a valid form of identification which I let them know I was unable to have at that time because it had been stolen I have since called them multiple times to try to get this resolved I was stranded 12 hours away and with no phone no car no money.I have just asked for the banking information so I can follow police report to have this on file and get everything in motion and they are still refusing to help me.

Company response to consumer: Closed with explanation