vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was shopping for a new car at. XXXX XXXX and they pulled my credit report 3 or 4 times in a row and I wanted to get it reduced back to 1 hard inquiry because I bought the 1 car I was looking at.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-19 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of 2 recent data breaches and believe this account is a result of it. Im requesting this account to be blocked and removed within 4 business days pursuant to 15 USC 1681 c-2 ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to formally request a certified copy of the GAAP ( Generally Accepted Accounting Principles ) report related to my mortgage account, as maintained by your CPA or financial reporting team. Below are the details of my account for your reference : Account Holder Name : XXXX XXXX Account Number : XXXX  Property Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX While I understand that the Freedom of Information Act ( FOIA ) applies to federal agencies, I am invoking the principles of transparency and accountability in requesting this information. If any of the requested documents are publicly available or accessible under similar disclosure frameworks, I kindly ask that you provide them. This document is required for audit purposes. I kindly request that the document be certified by the appropriate authority, a certified CPA. If there are any fees associated with this request, please let me know. I appreciate your cooperation and look forward to your prompt response. You can contact me at XXXX or via email at XXXX if you need further information.

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 2024-11-19 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: CA

Complaint narrative:
I have recently checked my credit report with XXXX, TransUnion, and XXXX and discovered that XXXX XXXX XXXX ( ACCOUNT NO : XXXXXXXX XXXX ) that I did not recognize. My credit report 's true and accurate creditworthiness has been damaged by XXXX XXXX XXXX account wrong reporting. I never had account with XXXX XXXX XXXX on XX/XX/year>. I am hopeful that under the laws of the Fair Credit Reporting Act ( FCRA ) you will investigate and send a notification to the credit reporting agencies and original creditor to DELETE the fraudulent information from my credit report immediately.

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 2024-11-18 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 2024-11-19 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: CT

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 2024-11-18 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: NJ

Complaint narrative:
These Inquiries & Accounts are incorrect since i do not recognize them, please investigate them and delete them : Account : XXXX XXXX XXXXXXXX Account number : XXXX  Balance : {$120.00} Date opened : XX/XX/year> Inquiries : XXXXXXXX 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

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 2024-11-18 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: Experian Information Solutions Inc.
State: MD

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 explanation
Consumer complaint received 2024-11-19 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: TN

Complaint narrative:
I noticed a problem with a car loan from XXXX XXXX XXXX that had been paid off after an accident was still showing a balance. I tried to get it corrected. They corrected the balance but showed me as being behind over 60 days on that account. The account was never behind and I have the documents to prove it. Experian made my credit record worse by doing this. I've tried to get it corrected with Experian, XXXX, and XXXX XXXX XXXX. Thank you!

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 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANKMOBILE TECHNOLOGIES, INC
State: MN

Complaint narrative:
I was over drafted with XXXX XXXX XXXX in my checking account ( not unusual ) and used my XXXX XXXX XXXX to pay these funds. My account was restricted the next day and closed with a permenant lifetime ban within two days after that. Upon calling XXXX XXXX money to inquire what was going on and why, I was given absolutely no information or reasoning as to why my account had been closed. They completely refused to tell me ANYTHING, beyond that my account was closed and I can not open a new one.

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 2024-11-18 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: WI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal has been holding my funds for over two months and continues to come up with excuses for why they wont release them. Ive provided all the information they requested, yet nothing has changed. When I ask what additional information they need or what steps I can take, I get no clear resolution. They cant even give me a consistent or proper reason for why my account remains restricted. First, they claimed it was due to check fraud, then it was a third-party issue, and later it was about a wire transfer. Their unprofessional handling of this situation and withholding of my funds is unacceptable. This company needs to be held accountable. Im Looking For Legal Guidance To Resolve This Issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: CITIBANK, N.A.
State: PA

Complaint narrative:
The fraud department of my XXXX XXXX card turned my husband and me into dishonest people who never paid XXXX to the XXXX XXXX XXXX for their ride from XXXX XXXX to XXXX ( XX/XX/XXXXXXXX  ) and XXXX ( XX/XX/XXXX ). 
The problem started on XX/XX/XXXXXXXX  when Citi declined a payment for an online train ticket purchase from XXXX XXXX because of suspected fraud. I called from my phone with my XXXX XXXX number, and was not able to verify my identity because I didnt have my bank account number or the number of another Citi card with me. Fair enough. So I went to the train station and paid for the tickets with my XXXX XXXX XXXX. 
It then occurred to me that I could maybe still use that card though XXXX XXXX, so I used XXXX XXXX to pay for a small drugstore purchase on XX/XX/XXXX, and that went through. So I used XXXX XXXX for the round trip ticket XXXX XXXX which I purchased from the bus conductor as we entered the bus. When I saw that this charge was declined after we arrived in XXXX, I called Citi again, and this time identity verification worked as they texted a code to my US phone number. I was told that block on my card was lifted and that I could use my card again. So I made used it at a coffee shop on XX/XX/XXXX with no problem. But then the charge to the XXXXXXXX XXXX company which they resubmitted on XX/XX/XXXX and on XX/XX/XXXX was again declined. Exasperated, I decided to wait until I got home to sort this out. 
I called Citi from my US phone number when I got home, explained the situation about the XXXX Bus charge, but verification entailed remembering a special word that I had forgotten. My card was again blocked and was told a code would be sent to me by mail. I asked if this could be reversed by a supervisor. It seems that no human can override what was clearly a computer generated nonsensical decision. How many people are honest enough to call to make sure a payment goes through in a foreign country after they have used a service, when the ticket was just a slip of paper with no identifying information on it? 
I called Citi again today with the code, my card was reactivated, but I was told that the charge to the XXXX XXXX XXXX would be paid when they resubmit that charge. They have already resubmitted that charge 5 times and I dont know if they will resubmit it again. 
So that is how we, an honest couple in their early XXXX, were turned into a free-loaders though the inanity of computer generated decisions that can not be overridden by an intelligent human being.

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 2024-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tesla, Inc.
State: CA

Complaint narrative:
I had some comprehensive damage to happen to my Tesla. I have Tesla Insurance. I filed a claim went to the delearship the referred me to XXXX XXXX XXXX. Tesla sent me a rental reservation and email tell me I could use whatever shop I wanted. I took the XXXX  XXXX put it in the shop and got a rental car from XXXX. Then XX/XX/year>. Tesla insurance emailed the VIN number was not the same as the one on my vehicle send him my lending agreement. I sent in my finance paperwork. I bought the car new for XXXX XXXX. I got approved for a XXXX  XXXX XXXX but I canceled that order and bought the XXXX  XXXXXXXX XXXX XXXX. The insurance for the cancel XXXX XXXX XXXX somehow got carried over to my new XXXX XXXX. XXXX  insurance. I have been paying for my car and the insurance 10 months now. Now the shop tells me they can not release my car until they get paid XXXX. Tesla insurance agent told me to contact Tesla XXXX CA Sales manager and make they pay the bodyshop since they did not telling me at the time of purchase to transfer the Title over to the XXXX XXXX  to XXXX XXXX. The sal manager showed on their computer the care. was sold in XXXX and insured through Tesla. So They have been received doubled on the XXXX XXXX XXXX. The sales manager asked them whether they was going refund all my payments they said NO its the sales manager fault for not telling me to transfer the Vin over from the cancelled order for the XXXX XXXX to the purchasedXXXX XXXX XXXX. I do not have the money to pay the bodyshop the XXXX plus the rental bill. The repair shop will not release my car until they get paid and I have already paid my {$1000.00} deductible. I need my Tesla back. I work for DOD. I have filed a compliant with the Department of insurances legal division. complaint XXXX phone # 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 2024-11-19 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: MD

Complaint narrative:
XXXX  XXXX account XXXX on the credit reporting agencies has violated my rights! 

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB|| I am now requesting proof of the previous Re-investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was accurate. if you can not provide me with this information in 15 days delete the account and send me a copy of my updated credit 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 non-monetary relief
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
I have recently checked my credit report with Experian, XXXX, and XXXX and discovered that XXXX XXXX XXXX ( ACCOUNT NO : XXXX .... ) that I did not recognize. My credit report 's true and accurate creditworthiness has been damaged by XXXX XXXX XXXX account wrong reporting. I never had account with XXXX XXXX XXXX on XX/XX/year>. I am hopeful that under the laws of the Fair Credit Reporting Act ( FCRA ) you will investigate and send a notification to the credit reporting agencies and original creditor to DELETE the fraudulent information from my credit report immediately.

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 2024-11-18 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX  Account Number : XXXX High Balance : {$420.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX High Balance : {$330.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES : XXXX : XXXX  ON XX/XX/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