vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
My wages were garnished for 4 pay periods for reasons I had no Idea I owed. I had no warning. I was never served and this was from XXXX. They said it was from XXXX, but when they connected me to XXXX they told me that the debt was charged off in XXXX and they were no longer involved. I filed an exemption due to being on XXXX and I sent Lloyd and McDaniels a notorized statement saying that. Then I received a letter from the attorney office saying that I filed an exemption for head of household. I called the law firm to state that the letter they sent was fraudulent and the lady told me that it was still my debt and she would send me statements of where it had been paid up to XXXX. I asked her to send them, but never received anything. XXXX also said that they saw where I said it was fraud in XXXX. I still had to attend exemption court to have my wages returned. The judge granted me exemption but I am not even sure Lloyd and McDaniels was even present. When I called them back they could no longer find my case and said it may be due to being charged off. They took me through so much for a credit card that I don't even recall since I haven't had a BOA account since my husband died in XXXX that I can recall. This really had me stressed out. They had an address that was from XXXX so I was never served, but they found my job to garnish my wages, but couldn't notify me. I feel that this company should be closed down and this attorney disbarred. He is new to the company and I feel they just use his name because he is registered in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Block, Inc.
State: CA

Complaint narrative:
My account was hacked and closed without giving me a chance to provide proof or explain the situation. I did not authorize the activity that led to the closure. XXXX asking for a chance to verify my identity and the fraud that occurred. Please escalate this to your account security or risk team. XXXX willing to provide ID, incident details, and any evidence needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
The account I'm disputing is the XXXX XXXX account reporting on my early warning service report. The account is not accurate because it is listed as checking account fraud when I never committed or attempted any sort of fraud on the account. I was scammed by someone pretending like the check given to me was legitimate when I was a lot younger and didn't understand the importance of financial safety. I have called the bank and told them immediately exactly what happened when they flagged my account. That same account was reported on the XXXX  as account overdraft, and I have taken full responsibility for the charges that was on the account and settled them in full. However, I am still unable to open up any bank accounts since the incident on XX/XX/year>. I feel that is a very long time and ever since then, I have learned the importance of financial security, and I have taken measures to ensure it never happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-30 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: DriveTime
State: TX

Complaint narrative:
I am disputing a fraudulent auto loan account reported by XXXX XXXX XXXX credit bureaus stating i owe {$2300.00}. The partial account number listed on my credit report ends in XXXX. I have never opened or authorized this loan. 

I sent XXXX a formal written dispute with the last XXXX digits of my SSN. Their response claimed they could not find the account despite the fact that it appears on my credit reports. 

This violates the Fair Credit Reporting Act ( FCRA ). I request immediate deletion of this account from all credit reports and that XXXX cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Venmo is denying me access to my Debit account.they say if they decide to make it available it won't be for another XXXX XXXX With no explanation! 
On the XXXX of XXXX I had a deposit of XXXX $ On the XXXX they froze my account On the XXXX they unfroze it after I uploaded my id. Then the same evening they froze it again. Sense then I've been in contact with them multiple times a day they won't help me get info verified so I can access my funds which I have had no access to the total they are holding from me is {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GUARANTEED RATE INC.
State: PA

Complaint narrative:
Guaranteed Rate has emailed me several times to apply for a loan. I did apply on XX/XX/XXXX, and was approved. However, they provided a link to download my identification. I had attempted to download my identification several times and keep getting error XXXX ID too far away, picture is skewed, can not take picture. I called and have spoken with XXXX several times who has advised me that there is a known issue that is being worked on. She suggested I use someone elses phone ( you can not use an IPad must be a cell phone only ) to download the identification. This is not consumer friendly advice since I dont know if another individual has any suspicious activity on their device. They said I could not take a picture and email it in neither. I received an email stating my offer will expire on XX/XX/XXXX if I dont finish the process. If this is a known error on their end why am I being penalized? This seems to be a large issue since I was not informed prior to applying that I can not use the device I own to get through the entire process. I want to be provided with another way to prove my identity. Here is email sent to me Sunday XX/XX/XXXX Guaranteed Rate XXXX XXXX, You're almost there! Pick up where you left off and finish your personal loan application today. Your application will expire on XXXX, so don't wait and miss out on receiving the funds you need to achieve your goals. 

Finish your application and you'll enjoy : Fast funding to help you achieve your goals A low fixed rate that will stay the same for the life of your loan Personalized fixed loan payment options ranging from XXXX years Resume My Application Please call us, toll-free at XXXX if you have questions or need assistance completing your application. 
XXXX XXXX XXXX Guaranteed Rate, XXXX XXXX : XXXX. 
Business Hours : Monday - Friday XXXX AM EST - XXXX PM EST, Saturday Closed, Sunday Closed Equal Lender | XXXX Guaranteed Rate, XXXX | XXXX XXXX XXXX XXXX, XXXX, IL XXXX Loans are made by Guaranteed Rate, XXXX NMLS ID XXXX | NMLS Consumer Access | Licensing information Please Note : We care about your security and privacy. Please do not include identifying information like account numbers, birth dates and social security numbers in emails to us. Call us instead for secure email options or send the information by fax or regular XXXX mail. 

CONFIDENTIALITY AND SECURITY NOTICE The contents of this message and any attachments XXXX be privileged, confidential and proprietary and also XXXX be covered by the Electronic Communications Privacy Act. If you are not an intended recipient, please inform the sender of the transmission error and delete this message immediately without reading, disseminating, distributing or copying the contents. Guaranteed Rate makes no assurances that this e-mail and any attachments are free of viruses and other harmful code. 

Privacy Policy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-30 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: MD

Complaint narrative:
In XXXX, my personally identifiable information was compromised in the widely reported XXXX data breach, which exposed Social Security numbers, addresses, and financial account data. Since then, I have experienced a series of unauthorized and/or inaccurately reported credit accounts and derogatory marks across all three major credit bureaus ( Experian, Equifax, and TransUnion ) , as well as XXXX. 

On XX/XX/XXXX, I obtained a complete credit report which showed the following harmful and suspicious activity : Charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX {$68000.00}, across accounts dated back to XXXX, now listed as unpaid balance reported as a loss by credit grantor. 

A collection by XXXX XXXX XXXX for {$7800.00} dated XX/XX/XXXX, tied to an apartment lease I never entered at XXXX  at XXXX XXXX XXXX XXXX 

A XXXX collection for {$1800.00} opened XX/XX/XXXX, from XXXX, which I never opened or authorized. 

A XXXX XXXX collection from XXXX XXXX totaling {$890.00} dated XX/XX/XXXX, which I did not initiate. 

A XXXX XXXX XXXX entry for {$320.00} from XXXX, reported multiple times in XX/XX/XXXX, with no substantiating documentation. 

Multiple late payments reported on accounts including XXXX XXXX, XXXX, and various auto loans, despite prior disputes and no validation provided. 

Several of these accounts are marked with Dispute Resolved Consumer Disagrees, indicating they were previously disputed but not removed despite failure to verify or validate the debts under the FCRA and FDCPA. 

I have taken multiple steps to resolve these issues : I have submitted disputes with the credit bureaus. 

I have requested verification and validation of debts with furnishers. 

I have documented my status as a victim of identity theft tied to the XXXX breach. 

I have reviewed my credit profile thoroughly and identified patterns of unauthorized activity linked to the data breach period. 

These items remain on my report and are seriously damaging my credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ), these accounts must be verified for accuracy or permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
In XXXX, my personally identifiable information was compromised in the widely reported XXXX data breach, which exposed Social Security numbers, addresses, and financial account data. Since then, I have experienced a series of unauthorized and/or inaccurately reported credit accounts and derogatory marks across all three major credit bureaus ( Experian, Equifax, and TransUnion ) , as well as XXXX. 

On XX/XX/XXXX, I obtained a complete credit report which showed the following harmful and suspicious activity : Charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX {$68000.00}, across accounts dated back to XXXX, now listed as unpaid balance reported as a loss by credit grantor. 

A collection by XXXX XXXX XXXX for {$7800.00} dated XX/XX/XXXX, tied to an apartment lease I never entered at XXXX  at XXXX XXXX XXXX XXXX 

A XXXX collection for {$1800.00} opened XX/XX/XXXX, from XXXX, which I never opened or authorized. 

A XXXX XXXX collection from XXXX XXXX totaling {$890.00} dated XX/XX/XXXX, which I did not initiate. 

A XXXX XXXX XXXX entry for {$320.00} from XXXX, reported multiple times in XX/XX/XXXX, with no substantiating documentation. 

Multiple late payments reported on accounts including XXXX XXXX, XXXX, and various auto loans, despite prior disputes and no validation provided. 

Several of these accounts are marked with Dispute Resolved Consumer Disagrees, indicating they were previously disputed but not removed despite failure to verify or validate the debts under the FCRA and FDCPA. 

I have taken multiple steps to resolve these issues : I have submitted disputes with the credit bureaus. 

I have requested verification and validation of debts with furnishers. 

I have documented my status as a victim of identity theft tied to the XXXX breach. 

I have reviewed my credit profile thoroughly and identified patterns of unauthorized activity linked to the data breach period. 

These items remain on my report and are seriously damaging my credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ), these accounts must be verified for accuracy or permanently removed.

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 2025-06-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-30 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:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under USC 1681g, I am formally requesting that they be removed within 15 days. All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these accounts.

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 2025-06-30 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: NJ

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within XXXX business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief