vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Oliphant United, Inc.
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, representing Accelerated Inventory Management , LLC, for unethical and potentially unlawful practices in violation of the Illinois Collection Agency Act and professional standards of conduct. 

I was served in XX/XX/XXXX regarding a debt from my prior marriage. I immediately responded by filing my Appearance, Answer, and a Fee Waiver request based on my financial status. I also attended the first court hearing. All documents were filed properly and are timestamped in the XXXX XXXX e-filing system. 

I am a self-represented defendant, a single mother, and have been living on XXXX and XXXX assistance ( XXXX ) for nearly XXXX years. My only source of income is child support, which totals less than $ XXXX and will end later this year. I have no assets, no job, and no additional support. My ex-husbandthe co-defendant in this casehas left the country and completely abandoned his financial responsibilities. I have provided his last known address in XXXX XXXX. 

Despite all of this, I made a good-faith effort to communicate with XXXX XXXX XXXX XXXX I emailed them multiple times, submitted a complete financial hardship request, and included supporting documentation : proof of income, bank statements, and XXXX status. I even offered to pay $ XXXX amount that reflects the maximum I can manage without compromising basic needs. 

XXXX XXXX XXXX never responded. Not once. They ignored all communications and hardship documentation. Then, on XX/XX/XXXX, they filed a Motion for Default Judgment, falsely claiming that I had failed to appear, answer, or otherwise plead. 

This is a demonstrably false statement. My filings and court attendance are clearly recorded. The only conclusion is that the firm chose to intentionally ignore my participation, and use strategic silence to paint a false narrative for the court. 

This is not a paperwork error. It is a calculated abuse of the legal systemdesigned to mislead the court into granting a judgment by default, despite my active involvement and willingness to resolve the matter. It exploits my self-represented status and my financial vulnerability. 

I am requesting a full investigation into XXXX XXXX LLCs conduct in this matter. I am prepared to provide copies of all emails, filings, and proof of financial hardship. This behavior is manipulative, unethical, and reflects a complete disregard for due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: SC

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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: IN

Complaint narrative:
I do not recognize this account on my credit report I have asked for this account to be removed and the bureaus did not do as I have asked I will provide a identity theft report that will be attached to this and I am requesting this account to be removed because it is inaccurate and not 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 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, a " customer '' on XXXX sent me a message asking for me to send more photos of the item I was selling to their XXXX account. On XX/XX/year>, I sent them the photos on XXXX, then the " customer '' sent a screenshot displaying that they have purchased the item, and that XXXX had sent them a QR code for first- time sellers ( me ) to confirm I am able to receive the funds. The XXXX code took me to the website depop.order-received.world. The Chat Support on the website had me scan more XXXX codes and transfer money to Cash App, claiming it was to confirm I could receive the funds from XXXX. It was after my second transaction to Cash App I realized I had been scammed, as both transcations I sent to Cash App were then transferred to Tradeit.gg without my authorization. I have filed a dispute with Cash App, which they have and continue to deny, and I am unable to contact depop.order-received.world.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Orions Management Group, LLC
State: FL

Complaint narrative:
I am submitting a complaint against Orion Management Collection regarding a debt they have reported on my credit file that I do not recognize. I initially contacted this company in XX/XX/XXXX, requesting that they remove this collection account from my credit reports as I do not recognize the debt in question. 

Despite my request and dispute, Orion Management Collection continues to report this debt to all three major credit bureaus, with conflicting date opened entries that change across the bureaus all inaccurately claiming it was opened in XXXX. This information is inconsistent and misleading. 

In response to my dispute, I requested validation and an itemized breakdown of the debt, including how the alleged amount was calculated. Instead, the company provided only a copy of a rental purchase agreement dated XX/XX/XXXX. This document raises further concerns : It does not reflect the XXXX date opened that Orion continues to report to the credit bureaus. 
It lacks an itemized statement of the debt there is no breakdown of charges, payments, interest, fees, or how the current balance was reached. 
There is no evidence provided that this debt belongs to me, nor that Orion has legal authority to collect it.

I believe this company is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by : Reporting inaccurate and inconsistent information Failing to validate the debt properly when requested Continuing to report a disputed debt without proper investigation or correction I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that Orion Management Collection either validates this debt with proper documentation including a full itemized statement and evidence of their right to collect or removes this account from all credit reporting agencies.

I will be attaching the rental agreement that Orion provided as validation so that the CFPB may review my evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I have been trying to close my Affirm XXXX account since XX/XX/2025. It has been sitting unused since I opened it years ago. I have contacted them at least a dozen times in XXXX, XXXX, and now XXXX via phone and email. Each time they assure me the account will be closed in XXXX business days and that I should wait for a follow-up. The follow-up never comes and the account remains open. I filed a complaint with the XXXX XXXX XXXX which was closed despite the fact that my issue was not resolved. I just want to close my account because I do not use it. I find it frankly baffling that they refuse to close it. At any other bank it would be trivial to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally ask for their removal within 15 days. Enclosed are supporting documents for your review. Additionally, inconsistent account details are being reported across different bureaus.

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 2025-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I placed an order on XXXX XXXX XXXX XXXX XXXX using my Capital One card. XXXX immediately charged my card and sent an email confirmation. However, just XXXX minutes later, I received another email from XXXX stating that my order had been canceled without any explanation. 

Shortly after, I noticed that XXXX had placed an authorization hold on my account for {$42.00} and some change. I contacted Capital One, but they refused to take any action beyond telling me that I needed to wait XXXX to XXXX business days for the authorization to be removed. This is unacceptable. XXXX has a terrible reputation, with a one-star rating on XXXX why is Capital One allowing charges from them? Countless customers report the same issues with this merchant. Meanwhile, Capital One does far too little to protect its customers. Because XXXX had tied up my available balance, I was forced to pay cash for my purchase elsewhere. Capital One then had the audacity to tell me I had to wait 60 days to file a dispute. No merchant should be placing preauthorization holds unless an order has actually shipped!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MO

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 605B 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed for XXXX XXXX  bankruptcy, which was XXXX in XX/XX/year>. Upon reviewing my credit report, I noticed the bankruptcy is listed and appears to be reported by your agency. I disputed the information and subsequently sent a Method of Verification ( MOV ) request, as permitted by the Fair Credit Reporting Act ( FCRA ), requesting the name and contact information of the source who verified the bankruptcy, the method used for verification, and a copy of any supporting documentation. 

Your agency responded with a generic statement that the information was obtained from the bankruptcy court. However, the bankruptcy court has confirmed they do not report or verify any data with credit bureaus. You failed to provide the required details or proof, as mandated under 15 U.S.C. 1681i. 

This violates the FCRA and causes harm to my credit standing. I am requesting deletion of the bankruptcy entry unless proper verification is provided.

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 2025-04-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 non-monetary relief
Consumer complaint received 2025-04-03 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account numberXXXX Open date : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT NUMBERXXXX Open date : XX/XX/XXXX. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, ( XXXX ) XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-03 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch
State: TN

Complaint narrative:
XXXX XXXX XXXX an auto loan with the company XXXX XXXX was advertised at 4.94 %. It also stated that my credit score was considered excellent. I know these rates can be estimates. It did not give any disclosures or statements about the length of the loan. I filled out information for the loan. They did a hard pull on my credit score before offering any insight about the loan 's terms or possible rate. They came back with a 7.6 % rate after stating I had excellent credit. That is more than 50 % higher to get my information and put a hard hit on my score. Which now negatively affects me being able to get another actual good loan. The inquiry lowers my score and damages my credit image for the next possible creditor. Since they are attached to XXXX XXXX they already knew my score and could have accomplished this with a soft pull. To be able to punish people for blatantly misleading advertising by damaging their credit score with no relief is one of the problems with the credit scoring in this country. Malicious and predatory companies such as this should be fined out of existence. To damage a score and credit image with no repercussions is inexcusable. Technology is too advanced and your credit score is too important for companies to be able to damage you in this way with a hard pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: IL

Complaint narrative:
I have repeatedly asked the the reporting agency show proof of investigation and remove this account due to inaccurate information and non consent under federal law 15 U.S.C. 1681i. Therefore, I am asking that this account be removed from all credit reports.

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 2025-04-04 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: IL

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their deletion within the next 15 days. The attached documents provide relevant details for your review. Furthermore, discrepancies exist in how the accounts are reported to each credit bureau.

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 2025-04-04 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: CA

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & remove any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please delete /remove these files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: CA

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & remove any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please delete /remove these files.

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 2025-04-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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