vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: FL

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, CHALLENGED OR NOT.

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 2025-05-04 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: VA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized credit inquiries listed on my credit report. After reviewing my credit file, I have identified the following inquiries which I did not initiate, authorize, or give permission for. These inquiries were made without my knowledge or consent, and I did not apply for credit with the companies associated with them. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries made with my express authorization and for permissible purposes may appear on my credit report. I respectfully request that these unauthorized inquiries be investigated and permanently removed from my credit file to ensure the accuracy and integrity of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized credit inquiries listed on my credit report. After reviewing my credit file, I have identified the following inquiries which I did not initiate, authorize, or give permission for. These inquiries were made without my knowledge or consent, and I did not apply for credit with the companies associated with them. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries made with my express authorization and for permissible purposes may appear on my credit report. I respectfully request that these unauthorized inquiries be investigated and permanently removed from my credit file to ensure the accuracy and integrity of my credit history.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Went to XXXX to buy a AMEX GIFT CARD for General Usage purposes. I spent XXXX dollars to add a balance to it. I can not use the card on any sites whether it be XXXX or websites that I generally use. The suspected issue is the fact the card can not be registered with a real card holder name and PIN code according to many online communities this can be done on a website or via customer service call. Ive attempted to reach to customer service and when prompted to type in my card number on the phone keypad it says the card is invalid despite it working on the official American Express gift card website to check my balance. The card was bought on XX/XX/year> and was first used on XXXX XXXX. Also when reaching out to AMEX Customer Service I was redirected to Bluebird, after research I dont see how Bluebird can be of any help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-04 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: CL Holdings LLC
State: TX

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX.

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX * * * * Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX * * * * Reason : I don't recognize this account Account Name XXXX XXXX XXXX Account Number : XXXX * * * * Reason : I don't recognize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear EXPERIAN I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX 3. copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The account in question is : 1- XXXX XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter.

Sincerely,

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX XXXX XXXX XXXX ) credit report, and I noticed a charge off / closed account posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law reports Under 15 USC 168ab THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include.

Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for 1. Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations 4 . Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance [ 15USC 1681 ] Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-04 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX XXXX XXXX and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
Okay, so heres the situationand its honestly a little frustrating. Im trying to deposit money into my SoFi account. Theres a {$1000.00} daily deposit limit, which is fine. But for whatever reason, I can only do {$500.00} per transaction. The weird part? Each {$500.00} transaction comes with a {$4.00} fee, supposedly from the merchant ( whoever that is ), and that fee gets charged twice if I want to hit the full {$1000.00} daily limit. So Im paying nearly {$10.00} just to deposit my own money in two chunks. 

That feels engineered. Like, why cant I just deposit {$1000.00} in one go and pay the fee once? Or better yet, why is there a fee at all to put money into a bank account?

If SoFis going to limit me per transaction and per day and route me through a service that charges fees every time, it kinda feels like Im being nickel-and-dimed just to access a basic function of my bank account. Not to be dramatic, but its giving designed inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: OH

Complaint narrative:
I recently noticed that Sezzle withdrew funds from my bank account without authorization. I had updated my payment method to reflect that payments should be made through my loan account ; however, charges were still taken from a different account without my consent. 

When I contacted Sezzle to address this issue, I was informed that there was nothing they could do to resolve the matter. I would appreciate any assistance or further guidance on how to proceed with disputing these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MI

Complaint narrative:
My XXXX XXXX credit report contains personal information, inquiries, and credit applications that do not belong to me. The report shows a different name, incorrect phone numbers and addresses, and multiple inquiries for loans I never applied for. My file has clearly been mixed or merged with another persons identity. I have already submitted a formal dispute and provided documentation, including my drivers license and bank statement, but I want this escalated to ensure a full reinvestigation.

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 2025-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Consumer Complaint XX/XX/XXXX and Credence Resource Management Date : XX/XX/XXXX To Whom It May Concern, I am submitting this complaint regarding an unresolved billing and credit reporting issue involving XXXX XXXX and Credence Resource Management. I believe my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been violated. 

I canceled my XXXX XXXX services on XX/XX/XXXX and transferred my number over on the same day to a new carrier XXXX XXXX. Despite this, XXXX claims my account was canceled on XX/XX/XXXX, due to non-payment. I never received formal billing statementsonly email correspondenceand was not properly notified of any outstanding balance. The outstanding balances were then tried to be taken out of my bank account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and then continuously sent that my billing cycle has ended for three periods up until XX/XX/XXXX and my bill is {$810.00}. A billing cycle for XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX and then XXXX XXXX XX/XX/XXXX. 

XXXX initially claimed I owed {$810.00}, which they then sent to Credence Resource Management for collection and correspondence from XXXX was issued out to me XX/XX/XXXX. Credence issued a written notice offering to settle the debt for {$570.00}. Later, they issued another offer for {$480.00}. Following the delinquency being reported to the credit bureaus, they offered a further reduced payment of {$400.00}. 

I made a payment of {$400.00} directly to Credence Resource Management on XX/XX/XXXX only because I wanted this debt removed off of my credit report because it lowered it over XXXX points, I did an agree to remove. However, when I contactedXX/XX/XXXX today on XX/XX/XXXX to inquire about my iPhone being carrier locked, I was told I still owe {$400.00}, and that I must contact Credence. XXXX also stated that they did not authorize any settlements for lower balances, and they do not communicate with Credence, and that I still owe {$65.00} per our conversation on XX/XX/XXXX a number that was never itemized or previously mentioned. This conflicting and vague communication is unacceptable. 

The debt was reported as delinquent for the full balance of {$810.00}, and the account was later marked 'settled for less than full balance ' by Credence on my credit report. At no point was I provided a full breakdown of charges or verification of the debt. The entire process has lacked transparency, lawful communication, and validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
CFPB Complaint Credit Reporting / Human Trafficking Block Request Denied Product : Credit Reporting Issue : Incorrect information on my report Case XXXX XXXXXXXX : Human Trafficking Case XXXX XXXXXXXX Case XXXX XXXXXXXX : Human Trafficking Case XXXX XXXXXXXX Company : Equifax I submitted a Human Trafficking Block request to Equifax under Section 605C of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.142. On XX/XX/year>, I submitted all required documentation through Equifaxs secure email system to XXXX, including : A victim determination letter from a qualified non-governmental organization ( XXXX ) authorized by a government agency ; My signed self-attestation ; Written confirmation from the XXXX that they were never contacted by Equifax Additional supporting documentation I received responses from Equifax on XX/XX/XXXX and XX/XX/year>, with two different case numbers : Case XXXX XXXXXXXX / Equifax Ref XXXX : XXXX ( response received XX/XX/XXXX ) Case XXXX XXXXXXXX / Equifax Ref XXXX XXXX XXXXXXXX ( response received XX/XX/XXXX ) At some point, I was assigned two different case numbers, and I am not sure why. I am including both cases in this complaint because both responses denied my request using similar languageclaiming that the victim determination letter was " not valid per the entity named on the document. '' However, I have written confirmation from the XXXX that they were never contacted by Equifax to verify the authenticity of the letter. Equifax 's failure to validate the document directly with the issuing entitywhile using that as the basis for denialviolates the spirit and intent of Section 605C.

Additionally, under 12 CFR 1022.142, credit reporting agencies must determine whether a request is complete within 5 business days and must respond with either confirmation of a block or a deficiency notice within 25 business days. My submission was made on XX/XX/year>, but I did not receive any response until XX/XX/XXXX and XXXX, which is beyond the allowed timeframe for timely communication of any deficiency. It took 13 business days before I received a response. 

I have filed disputes 16 times and contacted Equifax via phone 21 times since XX/XX/year>. Their customer service is rude, disrespectful, unhelpful, and is refusing to accept valid documentation, which is a clear violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the XXXX XXXX XXXX account managed by XXXX XXXX XXXX, attempting to collect debt not owed by me and without authority to collect debt against me on my Equifax credit report ( Report Confirmation # XXXX ), which lists a collection of {$1000.00} allegedly from XXXX XXXX XXXXXXXX Bank is not reporting any open tradeline or balance due on my Equifax report, and XXXX XXXX has not provided any documentation confirming a valid assignment or legal transfer of ownership. No signed agreement containing my name and Social Security number has been produced. Additionally, no IRS Form 1099-C has been issued, even though this debt has been previously charged off by the original creditor. This collection entry violates FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ), and FDCPA 809 ( b ), as it lacks any basis of legal standing or verifiable debt ownership. I request the immediate and permanent deletion of this account from my Equifax report due to its unverifiable status and misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX  core logic Have inaccurate information. Im requesting validation made for concern to the fair debt collection practices act please note that I am requesting validation that is comp evidence bearing my signature showing that I have or ever had some contractual obligation to pay you. I dispute the validity of these accounts. Would you claim as a collection that I have with your company? This is a formal notice your claim is disputed. Please note that any negative mark found on my credit reports, including XXXX check system, core logic from your company or any other that you represent for a debt that I dont owe is a violation of the fair debt collection practices act FDCPA807 15 USC 1962.e

Company response to consumer: Closed with explanation