vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 178453623 ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
Statement of Complaint I am filing this complaint regarding unauthorized hard inquiries listed on my credit report, which are negatively impacting my credit score. These inquiries were made without my authorization or consent and remain unresolved despite my efforts to address the issue directly with TransUnion. 

The specific inquiries in question include : 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 Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( f ), entities may only access a consumer 's credit report with explicit consent or for a permissible purpose. These inquiries fail to meet these criteria, and I believe they are in violation of the FCRA. 

I have contacted TransUnion on multiple occasions to dispute these inquiries and request their removal. Despite my efforts, I have not received an adequate resolution or response. Each time I contacted TransUnion, I was reassured that my concerns would be addressed, yet the unauthorized inquiries remain on my credit report. 

Additionally, I am a victim of the XXXX data breach, which exposed sensitive personal information and increased the likelihood of unauthorized activity on my credit report. This breach has caused me significant concern about the security of my personal information and its improper use, including these unauthorized inquiries.

These inquiries are causing unwarranted harm to my credit score, which affects my financial opportunities. I am requesting the CFPB 's assistance to : Ensure TransUnion conducts a proper investigation into these inquiries. 
Remove any inquiries that can not be substantiated as legitimate or authorized. 
Provide me with confirmation of the investigation results and an updated credit report reflecting the removal of these inquiries. 
I have attached supporting documentation, including a copy of my credit report with the disputed inquiries highlighted and any correspondence with TransUnion regarding this matter. 

Your assistance in resolving this issue is greatly appreciated. Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : 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 explanation
Consumer complaint received 2025-01-07 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: I.C. System, Inc.
State: WI

Complaint narrative:
I am reporting identity theft, there are things on my report that is not mine or accounts i have not opened.

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 2025-01-07 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I am reporting identity theft, there are things on my report that is not mine or accounts i have not opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
Last year I sent experian a letter asking them to update my personal information ( Name, Current Address, Phone Number and Employment ). They were also asked to remove all inquiries for they arent supposed to be on my report.

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 2025-01-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
Hello, I signed for National Debt Relief service to help negotiate settlements on my credit card accounts in 2024. They collected {$3500.00}, they only made payments of that for {$1200.00} which was 4 payments of {$320.00} to XXXX XXXX. They only negotiated this ONE card of the many accounts I gave them. By XXXX I still had not obtained fulltime employment and I could no longer afford the payments. I called them to cancel and get a refund. They cancelled right away but REFUSED any REFUND! So, on 1 account that was not completed in the payments for the settlement, they said the balance I see as a refund... .they said was their FEE! WOW! 

I am formally filing a complaint against National Debt Relief for unscrupulous devious business practices. They told me their fee was only 8 % of the negotiated debt /Settlement amount agreed on. That would have made their fee ( 8 % on {$7700.00} ) = {$610.00}. 

They lied. Their fee, according to them ... ..is net {$2200.00}, on a paid balance of {$1200.00}. DOES THIS SOUND ETHICAL & FAIR to the CONSUMER? 

I want my refund after their 8 % fee {$610.00}. 
My refund should be {$1600.00} ( {$2200.00} less {$610.00} ) Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address and my SSN Card.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address and my SSN Card.

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
From XX/XX/year> when I closed my account with XXXX and TRANSFERED service to my home from my business they have been triple charging me service and installment fees from three different accounts days apart taking money out of my bank accounts. After realizing today that they took the regular {$73.00} but also sent me an email that I was required to pay {$160.00} I realized this was wrong. After 7 people and 3 hours on the phone with XXXX realizing they have been charging me on multiple accounts instead of just one, I filed a complaint with my banks. XXXX owes me {$640.00} in overpayments. I have paid over {$1200.00} in the last 4 months to them for 3 separate accounts when I received {$550.00} in services. They still have multiple accounts showing for me and never properly canceled my business account.

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have some dispute no resolution with XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$1000.00}, total of {$2100.00} never received the service for both order. Why chase requires me to pay for them? Whys chase pay for them and make me pay for chase credit card? Please help me resolve it. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I had an account with Robinhood for many years and they all of a sudden closed my account and won't tell me where m

y money is.. Ive reached out several times and all I get in response is this. Hello, Thanks for reaching out. Based on our records, it looks like this case has already been closed. If you still dont have the answer to your question, please create a new case through the Contact Us page.

Sincerely, The Robinhood Team

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: KS

Complaint narrative:
US Bank claimed/responded that we owed an additional {$6800.00} on our home mortgage in a letter dated XXXX in response to a complaint filed by us to the CFPB and the OCC, case # XXXX regarding this matter. 

US Bank provided a table detailing their findings. Their table clearly shows that the Total Billed Amount from US Bank was {$180000.00} and the Total Payment Amount was {$180000.00}. This shows an overpayment of XXXX by us, the borrower. 

It's important to point out that US Banks analysis was in error for the total amount they said we paid. Addidng the amounts of our payments they total {$180000.00}. That combined with the XXXX payment {$2700.00}, they omitted, comes to the total we actually paid of {$180000.00}. 

Their workpaper also shows the payment of all taxes and insurance.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Calll was totaled out and checks was received by Westlake. Attaching transaction below : Transaction History Type Amount. Balance Payment XX/XX/year> {$280.00}. {$0.00} PaymentXXXX {$1000.00} {$0.00} Payment XX/XX/year> {$7300.00} {$990.00} Payment XX/XX/year> {$290.00} {$8300.00} Payment XX/XX/year> {$290.00} Payment XX/XX/year> {$280.00} Loan had been paid in full, automatic voice recordings even state it. Employees of Westlake has went over the transactions, just was on phone with gap insurance for 50mins ( have recording him saying that there is a communication error between gap insurance and west lake loan even though I pay Westlake for the gap insurance. Westlakes computer system is not recognizing that loan had been paid in full and was even over paid. Ive been told by 3 Westlake employees different things its all on recording.

Ive reached out to this company multiple times multiple times There is an error in this loan payoff and I should not be held responsible. This should not affect my credit. Trying to get this loan resolved and paid as Ive down paid all the remaining balances and they was even over paid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am not liable for this debt with XXXX/COMENITY/VICTORIA. I am seeking statutory damages for furnishing inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming I owe the debt. They did not provide me with the 1099 c as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with explanation