vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: DISCOVER BANK
State: IN

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX  DISCOVERBANK XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-21 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: CA

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
Complaint Summary for CFPB Metro 2 Compliance Challenge ( Escalation Request ) I am escalating this complaint due to the failure to properly address my previous dispute under FCRA. The first time, I filed a traditional FCRA dispute, which gave them 30 days to respond. However, this time, I am not disputing the accountsI am demanding immediate deletion under Metro 2 Compliance standards, which requires them to either prove compliance or remove the accounts immediately within 5 business days.

Under CDIAs Metro 2 guidelines, TransUnion is required to ensure that all data is fully compliant with Metro 2 formatting and reporting standards. These accounts do not meet Metro 2 compliance, meaning they must be deleted immediately or they will be in violation of federal data reporting laws.

Key Issues with their Non-Compliance : They have already been notified but are acting as if they did not receive my previous request.

These accounts are not properly formatted under Metro 2, making them legally unreportable and subject to immediate deletion.

Under 15 U.S.C. 1681e ( b ) & 1681i ( 5 ) ( A ), they must either validate full Metro 2 compliance or delete these accounts immediatelynot in 30 days, but within 5 business days.

I have re-attached my Metro 2 Compliance Letter with full documentation for review. 

Thank you for your prompt attention.

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 2025-02-21 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-02-21 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
i am listing XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an indentity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my 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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I discovered citi bank had locked my account, they refused to unlock it over the phone that evening. the next day on XX/XX/XXXX it took over XXXX hours on the phone with them to get it unlocked, I found out my checking account got locked because a mutual fund account with a conservator was not closed out when I turned XXXX. For reference, that was over 20 years ago. I did not receive any warning my account was going to be locked I received a letter around janurary XXXX that said my account was going to be locked again around the XXXX. I called citi bank, and XXXX departments assured me my account was not going to be locked again. It was locked on the XXXX again, and I again had to spend a lengthy amount of time on the phone to get it unlocked. 

THis is utter incompetence on Citi banks end. I wish them to be fined the maximum amount for illegally denying me my funds.

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 2025-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This was already deleted from my reported and handled XX/XX/XXXX. I asked the collector to verify when this was opened and the address and it says XX/XX/XXXX. The addesss presented didnt match, and I didnt possess anything from this company ( XXXX ) XXXX Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6801. Per code 15 U.S. Code 1692 ( g ) this is unlawfully being reported. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 

Experian and XXXX both who are being sued for violating consumer rights and removing items, then letting them be put back on credit files without showing property information or the due diligence of investing proves everything thats happening here.

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one the date of the first delinquency does not match the date I have under 15 USC 1681 B E you must provide maximum possible accuracy and im taking into consideration the CFPB is suing you as well Im also requesting full disclosure of the CMI of my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX is XX/XX/XXXX I was recently banking with Citibank so I had a checking and savings account with them but I also had XXXX XXXX XXXX  so I transferred two XXXX dollars withdrawals from my XXXX XXXX XXXX  to Citibank which made that XXXX dollars on the XXXX of XXXX so it wasnt never available too me in Citibank but I seen that they took it out my account for XXXX XXXX so I called numerous times about this. The first call they said it will be ready on the 4th so I waited till the XX/XX/XXXX still nothing, the second call they said its ready in your balance its available to you now thats after the XXXX I called again told them no money was available to me my account has been locked I cant get in it or see anything so they open my account then thats when I told XXXX XXXX about whats going on they said call Citibank tell them to release my funds back to them so I did.But Citibank never did that so I opened up a investigation with XXXX XXXX to help get my money back they did a full investigation found out that everything came back like I said they took my own money but wont release it to me but the couldnt help me get it back because they said Citibank has closed your account now.so I calls agin they said we gon na send you a check rite away you should have it in a few days so I waited nothing then I calls back they tells me I dont have no money here and hangs up the phone.so I tried filing a complaint with bbb bureau didnt get no response I tried filing a complain with DATCP nothing happened they caused me suffer distress I got ta eviction notice I couldnt pay none of my bills and I told them this they didnt care at all, so now Im just hurt not knowing what to do Im just trying all I can to get my money back Im on social security SSA benefits Im begging you too please help me

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 2025-02-21 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: KS

Complaint narrative:
We had insurance with XXXX in XXXX and XXXX of XXXX. We had leased the wife 's new XXXX XXXX and purchased a XXXX XXXX XXXX XXXX. Upon purchasing the silverado, it needed to go back to dealer for transmission issues. Dealership said it could be up to six weeks before we would get our truck back. Talked to a XXXX rep, and she said cancel/suspend the insurance on silverado til it was returned to us. So we did. XXXX was purchased at end of XXXX, but paperwork was signed XX/XX/XXXX. We didn't receive our truck from dealer til XX/XX/XXXX. XXXX wants us to pay for a month of insurance at {$600.00} for month we didn't have possession of vehicle. Then in middle of all this, we had to have a new windshield put in the XXXX. XXXX and their reps did nothing but lie and made us pay the repair shop, then they'd reimburse us. After almost a year of XXXX and their excuses, we were finally reimbursed. Only problem is that it was close to {$800.00} lower than the invoice/statement from bodyshop. XXXX of their reps along with their app and website said they would pay the repair shop direct. They did not. Then to top it off, we switched insurance companies after looked at our policy and seen that XXXX was charging us for four items covered under new car warranty on XXXX. Asked them about that and was told not their problem. We were paying XXXX {$1100.00} a month for full coverage on both vehicles. We switched companies and only pay {$310.00} a month now same coverage. Charging us for a month we weren't in possession of vehicle, shorted us on the windshield statement reimbursement, charging us for coverage on four items already covered, then almost {$800.00} more than other companies, I'd say we don't owe anything to XXXX and their underwriters. They send it to a collection agency that contacted me saying it was attempting to collect {$600.00} owed for coverage on a XXXX XXXX. I haven't owned the XXXX XXXX since XXXX and the insurance payment on it was like {$100.00}. Now this collection is on my record through Experian, who I filed dispute with. They have investigated and agree with XXXX that we owe this debt and it will be on my record til XXXX. We have the paperwork and documents to prove what I have stated. XXXX has never sent us any papers stating what vehicles coverage this money is for. Only the collection company stated the XXXX XXXX stating that was info received from XXXX. Please help us get this removed, it has cost us both financially and personally. My opinion is Experian is benefited by XXXX and that they're not going to bite the hand that feeds them. Thank you in advance for any cooperation.

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 2025-02-21 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: FL

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated from my file right away XXXX XXXXXXXX Balance {$4100.00} XXXX XXXXXXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$10000.00}

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 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Mortgage Hardship with Select Portfolio Servicing To Whom It May Concern, I am submitting this formal complaint regarding my mortgage account with XXXX XXXX XXXX XXXX XXXX XXXX due to their refusal to adhere to valid XXXX guidelines. I applied for a Request for XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, to resolve the financial hardship caused by my divorce, which was initiated on XX/XX/XXXX, and finalized on XX/XX/XXXX. This process led to substantial financial hardship due to increased living expenses, making it difficult to meet my mortgage obligations. 

Although my former spouse and I were not co-borrowers on the mortgage, my hardship period has now been resolved. Through the reduction of debt and overall financial strain, I am in a significantly stronger financial position. Additionally, the resolution of my divorce has improved my mental and emotional well-being, allowing me to focus on my career. Without the constraints of a failing relationship, I have been able to dedicate more time and energy to advancing my professional opportunities, which has further stabilized my financial situation. 

Despite my efforts to resume mortgage payments immediately, XXXX has continued to refuse to comply with valid XXXX guidelines. I have faced numerous issues in working with them, including a lack of communication, refusal to reinstate my mortgage, and improper handling of paperwork. These unnecessary delays and obstructions have caused undue stress and prolonged financial uncertainty. 
I requested my lender 's information. XXXX cited U.S Bank, but U.S Bank stated that they don't have my account. Furthermore, XXXX has withheld information regarding the hazardous condition of the property totaling almost {$100000.00} in damage when the property is worth only {$160000.00}. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX XXXX addresses my situation appropriately and allows me to resume my payments without further obstacles. I kindly ask that the CFPB review this matter and provide guidance on the necessary steps to resolve it. If additional documentation is required, please let me know as soon as possible. 

Thank you for your time and attention to this urgent matter. I appreciate your support in holding mortgage servicers accountable and ensuring fair treatment for consumers. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] should you require any further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: PA

Complaint narrative:
Violation of 15 USC 1681b ( a ) ( 2 ) Account : XXXX XXXX Account # XXXX My credit report incorrectly states the following regarding a vehicle repossession : I am concerned that my credit report may have been accessed for impermissible purposes related to this repossession. 15 USC 1681b ( a ) ( 2 ) specifically allows for credit reports to be furnished in connection with a credit transaction involving the consumer. However, I believe there may have been an impermissible purpose for someone accessing my credit report. .I was denied credit by XXXX and they stated the reason was related to the repossession information, but I never applied for credit with this company. 

I request a full accounting of all parties who have accessed my credit report concerning this repossession within the past 4 years so I can verify that all access was for permissible purposes under 15 USC 1681b, specifically related to the original credit transaction. 

I am requesting that you thoroughly investigate these matters, correct the inaccurate information related to the repossession, and provide me with the requested accounting of who has accessed 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 non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 multiple personal credit cards account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a telephone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts 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 # ( private case number ) 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 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