vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
The attachement explains in more detail what Experian is refusing to do correctly. 
Basically there is an address that is not mine, I have confirmed this with both creditors. I also discovered one of the accounts listed with the wrong address is not even my account. The other creditor cofirmed my address in XXXX  and said they do not have a record of an XXXX  address. I did what both creditors suggested and disputed the address and account with XXXX  XXXX with Experian. However experian did an auto reply that it was all verified which is impossible as I have spoke with the creditors.

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
there was a data breech using my social security number 15 usc 1681 pleaese remove all inquiries and negative reporting do to the recent data breach using my social security..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am filing a complaint for requesting unnecessary documentation to validate a debt for the accounts with reference # XXXX. 

Requesting : Original Creditor : [ Provide the name of the original creditor ] Debt Collector : Date Opened : [ Date ] Date Closed : [ Date, if applicable ] Date Account Sold : [ Date, if applicable ] Date Charged-Off : [ Date ] Date of First Delinquency : [ Date ] Date of Last Payment : [ Date ] Balance : [ Current Balance ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable and the agreement/contract with original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: CO

Complaint narrative:
In XX/XX/XXXX I was late on my XXXX XXXX XXXX XXXX XX/XX/XXXX I paid the entire debt off. In XX/XX/XXXX this has been posted on my report with no proof. not only has this lie affected my ability to rent a home to live in but it has also blocked XXXX XXXX from buying a home. this company had XXXX XXXX as owing this debt when she wasn't even on the lease. When speaking to the customer service agent at IQ Data I asked him who gave him my identifiers ( SS # Birth Date And Name? ) because I never heard of the company and have never contracted with them, he said he brought the information from XXXX XXXX. So when I told him this was identity theft he laughed and said that's how credit works. I told him that in the state of XXXX it is a one-party consent state and that i had recorded the whole call and will be playing it in court. ( I still have the recorder call ) I clearly stated 3 times cease and desist all reporting on my name. it has NEVER Stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am giving a statement that the information is not information related to any transaction by me XXXX XXXX XXXX. Please see attached file

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 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I deposited a check for over {$600.00} and didnt receive it until XXXX XXXX later and only received {$300.00} from the deposit. I have not received my direct deposit for XXXX XXXX  after that. When I contacted Chime they said the money will available to me XXXX and they withheld my funds because of frequent spending and wanted to confirm my account. XXXX came with no money. I contacted again XXXX and they told me I should get it XXXX. I still received no money. I called XXXX XX/XX/year> and they requested proof from me that I hadnt been paid and requested the paystubs. I didnt hear back after XXXX XXXX so I called back with my supervisor. They told me that they would get right on it and I would be receiving my money shortly. I still havent received anything. I am behind over {$1500.00} waiting for my deposit to hit my account. Ive been using Chime and have not made any changes. My first missed deposit was right before XXXX and that was a mobile deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
On my XXXX Credit report, XXXX companies are reporting a debt that has been paid off or charged off. Any creditor that has paid off, closed, or charged off any debt MUST by law send me a XXXX form, as this charge off is considered income. Not only did I NOT receive a XXXX from any of the following companies, they are still showing on my credit report, which is illegal to report income on any credit report. The XXXX companies are as follows : XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX companies are in violation of federal law and have each commited a felony by reporting a charged off account on my credit report, which is considered income, and they did NOT send me a XXXX form. 

Additionally there was a data breach and I have had to place a fraud alert on my Experian account because there are A LOT of inquiries that I did NOT authorize, including XXXX hard inquiries. Under 15 USC 1681 these too should be removed because of this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
The app os cashapp and I was using it for a while to store XXXX as well as money in stocks, but randomly my account was closed, It was actually hacked into someone from XXXX  got my information and from there it was banned luckily most of money was in stocks and bitcoin so they couldnt take it, After that I wanted to withdraw my money to my bank account i withdrew my stocks and put it in my bank account but the problem is XXXX whenever I try to withdraw it theres an error screen and the customer service pretty much says we cant do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Account Number : XXXX I am filing a complaint against Wakefield Associates for their mishandling of a medical collection that appears on my credit report. This situation involves clear violations of federal laws that protect both my rights as a consumer and my medical privacy.

HIPAA Violation : Wakefield Associates appears to have obtained and used my medical information without my explicit consent or proper authorization, in violation of the Health Insurance Portability and Accountability Act ( HIPAA ).

FDCPA Violation ( 15 U.S.C. 1692g ) : Required debt validation was not provided. Despite my written requests, Wakefield Associates has not provided sufficient documents to prove the validity of the debt.

FCRA Violation ( 15 U.S.C. 1681s-2 ) : Wakefield Associates reported this medical debt to the credit bureaus without verifying its accuracy. In addition, they have failed to adequately respond to my dispute filed through the credit bureaus, which is a violation of their obligation to ensure that the information reported is accurate and complete. 

This issue has created a significant level of anxiety and concern due to the lack of clarity and violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
I was informed my private information had been leaked during XXXX data breach, now I have fraudulent accounts on my credit report. Per 15 USC 1681 my private information should be protected and it wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my utmost frustration and demand immediate action regarding the unauthorized hard inquiries appearing on my credit report. Despite multiple attempts to address this issue, your department has failed to provide a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: AR

Complaint narrative:
Delete all inaccurate addresses and names. 15 USC 1681b states by law this inaccurate information has to be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR, XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX Names : XXXX XXXX XXXX XXXX XXXX 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 2025-01-04 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: AR

Complaint narrative:
Delete all inaccurate addresses and names. 15 USC 1681b states by law this inaccurate information has to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX AR, XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2 XXXX XXXX  # XXXX Please verify this account. 
3 NAVY FEDERAL CR UNION # XXXX Please verify this account. 
4 NAVY FEDERAL CR UNION # XXXX Please verify this account. 
5 XXXX XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
6 XXXX XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NY

Complaint narrative:
hello my name is XXXX and i've notice this problem on my Credit report in XX/XX/year>. I am writing to delete the following items in my file. The items i need to be deleted are listed in the report. I was hoping you can delete the item thats listed below. I need to get my house loan as soon as possible. I am a victim of identity theft and i did not make the charge. I ask that the item be deleted to correct my credit report. I reported my theft to the Federal Trade Commission and i also have copies of the federal trade commission 's identity theft affidavit. please delete the items as soon as possible from all three credit bureaus, XXXX, XXXX and 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 2025-01-04 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: NJ

Complaint narrative:
UPON ME LOOKING AT MY CREDIT REPORTS NOTICE SOME ACCOUNTS THAT APPEAR TO BE FRADULENT

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SACOR FINANCIAL, INC
State: CA

Complaint narrative:
i did check my credit report and i noticed an inquiry had been made by sacor financial inc without my knowledge i did call XXXX a guy answered the phone and i did ask him why did you guys pull a hard inquiry on my credit report he replied what is your first name i did give him my first name then he asked me how could i help you without your last name i did give him my last name then he said you have called the wrong number and i ask him then why did you asked me about my first and last name if it was a wrong number he hangup the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
I received collection notice from Love Beal & Nixon P.C. in regards to a XXXX debt for {$5700.00}. I requested a copy of the contract, the balance sheet, and the calculation of interest. I then verified with my records and found that there was a {$600.00} discrepency. I alerted the collection lawyer on XX/XX/year> of the discrepancy and received no explanation or correction of the amount they were attempting to collect. The law office then moved forward with court proceedings for the incorrect amount. They were awarded with default. They were awarded a judgement of a principal amount of {$5700.00}, court costs and process server fees, accrued and accruing of {$300.00}, attorney fees in the amount of {$860.00} which totals {$6900.00}. Yet when they sent me another letter after the the judgement, they are now trying to collect {$7000.00}. I would constitute this as a manifest error '' and would like to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There was a {$2.00} balance on my account and I have a card and bank account connected to make payments. My bank account had the {$2.00} available but every time I tried to make the payment on their app I got an error message. I was only able to make my payment after speaking with a representative. Now my account has been reported as XXXX  days late to XXXX, XXXX and Experian which resulted in damaging my XXXX XXXX more than XXXX points due to their error.

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 2025-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Global Lending Services LLC
State: OH

Complaint narrative:
For the text message received from Global Lending Services. Their hours of operations for a call back are not valid. I called 2 times on XX/XX/year> to go over payment arrangements. The hours stated on the company phone advised of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I called XX/XX/year> at XXXX before XXXX and was advised the office/ phone line was closed. This does not follow their operation hours for customer call backs as provided on their message system for customers. The phone numbers provided were XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-
2 ) that you, the XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ) .This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dispute of Inaccurate Information- Accounts with XXXX XXXX. 

To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information listed on my credit report under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX. I recently reviewed my credit report, and I found inconsistencies in the accounts attached below : This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all affirm inc, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b Additionally, I expect written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting the removal, within 15 days of the date of this letter. Failure to comply with these requirements will leave me no choice but to pursue further legal remedies.

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