vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-23 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:
Subject : Reporting of Bankruptcy by a Third Party Without Consent Violation of My Rights as a Secured Party This complaint is submitted in response to the companys response to CFPB Complaint # XXXX. 

As a secured party, I did not authorize the reporting, sharing, or use of any bankruptcy-related information. The reporting of this information especially through a third party ( XXXX ) is a direct violation of my privacy rights and federal protections under : The Fair Credit Reporting Act ( FCRA ) The Gramm-Leach-Bliley Act ( GLBA ) Consumer protections under the Federal Trade Commission Act Equifax has failed to directly address the core issue : the unauthorized sharing and reporting of bankruptcy data, which I did not consent to and which violates my status and rights as a secured party. 

Supporting Evidence : Bankruptcy Court Letter states the court does not report to third parties FTC Affidavit details the fraudulent and unauthorized reporting XXXX XXXX Solutions Disclosure shows XXXX shared this data with credit bureaus without consent Violations Cited : FCRA 1681b No permissible purpose for collecting/sharing this data FCRA 1681e ( b ) Failure to ensure accuracy FCRA 1681n Willful noncompliance XXXX XXXX Unauthorized sharing of nonpublic personal info FTC Act 45 ( a ) Unfair/deceptive practices Relief Requested : Immediate removal of all bankruptcy-related data Written confirmation from Equifax that this information is permanently removed Investigation into XXXX role as the third-party source Block XXXX from providing any future data without verified consent Consideration of enforcement and compensation for ongoing harm Attachments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DISCLOSURE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to formally lodge a complaint against Service Finance Company , LLC for their deceptive and unethical business practices regarding an overpayment issue. 

Due to inaccurate information displayed on their website, I inadvertently overpaid my account by {$5000.00}. The error was identified on the same day of processing, and I immediately contacted Service Finance Company to request a stop or reversal of the transaction. However, they outright refused to take action, insisting that the payment had to process despite being notified in a timely manner.

To make matters worse, Service Finance Company now claims they can only issue a refund via mailed checkbut only after holding the funds for 30 days. This is an unacceptable and unjust policy that effectively allows them to withhold customer funds with no legitimate basis. There is absolutely no reason they can not return the money immediately via the same method it was paid, making this practice appear as nothing more than a deliberate and unethical cash flow strategy at the expense of their customers. 

This type of shady business conduct raises serious concerns about the integrity of Service Finance Company, and I urge your office to investigate this matter immediately. No financial institution should be permitted to withhold a customers money for an arbitrary period, especially when the overpayment resulted from their own systems failure.

I expect immediate action to be taken to address this issue and hold Service Finance Company accountable for their unfair practices. Please confirm receipt of this complaint and advise on the next steps to escalate this matter further if necessary.

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 2025-03-23 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: FL

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 2025-03-23 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:
This is in regards to dispute number : XXXX The dispute I filled with Chime for fraudulent and unauthorized transactions using my Chime debit card by someone I don't know and did not give permission to use my debit card through their paypal account that's not associated with me has been denied by chimes dispute team. 

This is unacceptable and in this situation is absolutely wrong. I provided evidence from XXXX who even stated the transactions we're unauthorized and that my debit card had been used by someone else, furthermore I Provided a police report I filled with my local law enforcement informing them also of the unauthorized transactions. 

I've requested a rebuttal From chime to reopen the dispute in hopes that chimes dispute team actually investigates the situation better this time and in fact comes to the conclusion that the overwhelming evidence shows and closes the dispute in my favor and refunds me my money. 

I've been in constant contact with XXXX, they have informed me that Chime has not reached out to request XXXX 's, help. 

This morning XX/XX/year> chime denied my rebuttal for my dispute, even though I submitted even more new evidence that show the transaction is fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I had send a ftc report to XXXX and it was delivered on XXXX XXXX Monday i sent it prooty to them in the mail XXXX keeps telling me they did not have it so it's fraud I can't dispute it as fraud until it gets delivered

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I contacted American Express ( AMEX ) via live chat to inquire about a PIN on my account that I did not set up or authorize. I explained that my personal information ( phone number, XXXX, and address ) had been compromised and provided police report details as evidence of the breach. 

Despite this, AMEX refused to provide any information about the unauthorized PIN or assist with securing my account. I requested an alternative way to verify my identity by mailing in identification documents, but they declined to offer an email or mailing address for this. After repeatedly refusing to help, the chat representative abruptly ended the conversation. 

I am concerned about the security of my account and the refusal of AMEX to assist in securing my personal data. I am filing this complaint because I feel American Express has failed in its responsibility to protect my information and provide adequate customer service after a security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: LEXISNEXIS
State: NY

Complaint narrative:
Subject : Reporting of Bankruptcy by a Third Party Without Consent Violation of My Rights as a Secured Party This complaint is submitted in response to the companys response to CFPB Complaint # XXXX. 

As a secured party, I did not authorize the reporting, sharing, or use of any bankruptcy-related information. The reporting of this information especially through a third party ( LexisNexis ) is a direct violation of my privacy rights and federal protections under : The Fair Credit Reporting Act ( FCRA ) The Gramm-Leach-Bliley Act ( GLBA ) Consumer protections under the Federal Trade Commission Act Equifax has failed to directly address the core issue : the unauthorized sharing and reporting of bankruptcy data, which I did not consent to and which violates my status and rights as a secured party. 

Supporting Evidence : Bankruptcy Court Letter states the court does not report to third parties FTC Affidavit details the fraudulent and unauthorized reporting LexisNexis Risk Solutions Disclosure shows LexisNexis shared this data with credit bureaus without consent Violations Cited : FCRA 1681b No permissible purpose for collecting/sharing this data FCRA 1681e ( b ) Failure to ensure accuracy FCRA 1681n Willful noncompliance GLBA 68016809 Unauthorized sharing of nonpublic personal info FTC Act 45 ( a ) Unfair/deceptive practices Relief Requested : Immediate removal of all bankruptcy-related data Written confirmation from Equifax that this information is permanently removed Investigation into LexisNexiss role as the third-party source Block LexisNexis from providing any future data without verified XXXX Consideration of enforcement and compensation for ongoing harm Attachments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LEXISNEXIS RISK SOLUTIONS DISCLOSURE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
Subject : Reporting of Bankruptcy by a Third Party Without Consent Violation of My Rights as a Secured Party This complaint is submitted in response to the companys response to CFPB Complaint # XXXX. 

As a secured party, I did not authorize the reporting, sharing, or use of any bankruptcy-related information. The reporting of this information especially through a third party ( XXXX ) is a direct violation of my privacy rights and federal protections under : The Fair Credit Reporting Act ( FCRA ) The Gramm-Leach-Bliley Act ( GLBA ) Consumer protections under the Federal Trade Commission Act Equifax has failed to directly address the core issue : the unauthorized sharing and reporting of bankruptcy data, which I did not consent to and which violates my status and rights as a secured party. 

Supporting Evidence : Bankruptcy Court Letter states the court does not report to third parties FTC Affidavit details the fraudulent and unauthorized reporting XXXX XXXX Solutions Disclosure shows XXXX shared this data with credit bureaus without consent Violations Cited : FCRA 1681b No permissible purpose for collecting/sharing this data FCRA 1681e ( b ) Failure to ensure accuracy FCRA 1681n Willful noncompliance XXXX XXXX Unauthorized sharing of nonpublic personal info FTC Act 45 ( a ) Unfair/deceptive practices Relief Requested : Immediate removal of all bankruptcy-related data Written confirmation from Equifax that this information is permanently removed Investigation into XXXX role as the third-party source Block XXXX from providing any future data without verified consent Consideration of enforcement and compensation for ongoing harm Attachments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DISCLOSURE

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 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I did not have any knowledge of this account I am not liable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE 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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX CRED XXXX - Date Opened XX/XX/XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX 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 2025-03-23 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX # XXXX XX/XX/XXXX - {$4100.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$17000.00} XXXX XXXXXXXX XXXX  # XXXX XX/XX/XXXX - {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-03-23 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
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 2025-03-23 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
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 non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 U.S.C 1681.

The accounts below have violated my rights.

15 U.S.C 1681 Section 602A States i have the right to privacy.

15 U.S.C Section 604 A section 2 : it also states a consumer reporting can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall no furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : 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 non-monetary relief
Consumer complaint received 2025-03-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX Subject : Urgent Request for Assistance : Ongoing Identity Theft and Access Issues with Unemployment Benefits Dear CFPB Team, I am writing to seek your urgent assistance regarding a troubling situation that has severely impacted my ability to access my unemployment benefits. My name XXXX XXXX and my Social Security Number is XXXX Since XXXX [ year ], I have been experiencing significant issues logging into my Hire account, which I use to claim my weekly unemployment benefits. Recently, I have encountered messages indicating that my account contains inaccurate information, which threatens my ability to receive the benefits I am entitled to until the end of this year.

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