vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I applied for a personal loan. OneMain Financial called me about a title loan. I don't own a vehicle and would not apply for a title loan. There would be no point in dinging my credit for a loan that is not possible for me to qualify for. I explained this to them. The loan I applied for was a simple personal loan that had nothing to do my car. They did not ask for any information about my car nor ever stated this was a title loan. It was a personal loan only. I told them they must be mistaken I would like to discuss the personal loan and they said they don't offer those and only the title loans. So I told them to remove the inquiry as I never applied for a title loan and my credit should not be dinged for something I did not apply for. They said they wouldn't. This is what's called a Bait and switch. Bait and Switch advertising is grounds for an action of common-law fraud, unjust enrichment, and sometimes breach of contract. A bait and switch is also a violation of the Consumer Fraud and Deceptive Business Practices Act. The inquiry on my credit should be removed immediately. This company should be investigated for further breaches and fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: GA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: AL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: AL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-03 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Filed a dispute with XXXXXXXX XXXX  for a defective dishwasher. Case # XXXX in the amount of {$850.00} on XX/XX/year>. XXXX 's issued a credit but when company sent in proof of purchase, it added the charge back to my account. I am not disputing the purchase, but the fact that the dishwasher does not dry at all and I have repeatedly tried to work with company. They sent replacements which were damaged and I have returned them and provided proof of return to XXXX XXXX  The merchant has violated the terms and conditions of the sales agreement by first sending a defective dishwasher that does not perform basic functions and then again by sending damaged replacement.

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 2024-09-03 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: MO

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 2024-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I need my account closed and my funds from sale of my crypto currency positions refunded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: CO

Complaint narrative:
On XX/XX/year> I sent an email to my then apartment complex ( XXXX XXXX in XXXX, MD ) giving them official notice that we would be vacating our apartment on XX/XX/year> ( XXXX  days notice ). We were relocating to Colorado due to my job ( Federal government ). As a result of my transfer, my then husband became unemployed. This was a valid reason for breaking our lease based on the terms within the lease. I sent a follow up email to the apartment complex on XX/XX/year> trying to close the issue, however, it did not get resolved. 

They were trying to charge us for a lease termination fee as well as an improper notice fee. XXXX reason I was given is because they were trying to collect XXXX months worth of rent for the time the apartment would remain vacant, however, they were able to re-lease it right away. 

Upon receiving notifications from the collection agency ( XXXX XXXX ), I immediately contacted them and disputed the alleged amount owed. Fast forward to this year, I have repeatedly disputed this balance as it is on my credit report. Each time I have asked for back up documentation that supports the alleged amount owed ( {$7200.00} ), I receive the following response from them : Our records indicate we have previously provided you with validation of the debt based on the same dispute. As we have previously fulfilled our duty to provide you with verification, we do not plan to respond to any additional requests. 

They never provided the validation to me. For this reason, I am continuing to dispute this and now am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TN

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 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Upon carefully reviewing my recent credit report, I identified several fraudulent accounts that appear to have been added without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NY

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 explanation
Consumer complaint received 2024-09-03 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Received insurance payment check XX/XX/XXXX for damage to my home ( Hurricane Ida XX/XX/XXXX ). 
Wells Fargo & their attorney- XXXX XXXX has not released my insurance money to fix my home in over 1 year. My 1st check expired after 6 months ( XX/XX/XXXX ) & now my 2nd reissued check is now 4 months old! Their attorney ( XXXX XXXX ) stopped my 1st disbursement o

n 8/8/24. I have abided by their request in order to receive my insurance money- But a year later- I have Nothing!! I am still living in a home that was severely damaged by the hurricane- with mold/ mildew, cracked walls/ ceilings, broken floors on 2nd floor ( a large hole where water puddled from roof leak, sat & busted thorough to the 1st floor and continuous pests infestations { including termites- mice/rats.. } from the holes/ cracks in walls/ ceilings. My family and I have suffered from constant respiratory infections and illnesses since this 3 year delay.

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 2024-09-03 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: CA

Complaint narrative:
After discovering more fraudulent accounts on my credit report, I contacted the companies involved, and they have confirmed these accounts as fraudulent and closed them out. Despite this, these fraudulent items are still appearing on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
i recently review a copy of my credit report and notice i had fradulent account on my report. Please remove these accounts form my report, they are hurting my ability to obtain credit.

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 2024-09-03 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: LA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
I am bringing to your attention the presence of inaccurate information on my credit report that requires immediate correction. After thoroughly reviewing my report, I have identified specific entries that are incorrectly listed and do not accurately reflect my account history. These inaccuracies are having an unjust impact on my creditworthiness, potentially affecting my ability to secure credit.

The information in question contains errors that are inconsistent with the actual status and history of my account. This misreporting can lead to misunderstandings by those who review my credit report, making it imperative that these inaccuracies are promptly addressed.

I kindly request that you undertake a comprehensive investigation into this matter. During your review, please compare the reported information with the accurate data on file. For your convenience, I have attached a separate letter with additional details regarding the disputed entries, along with supporting documentation that substantiates my claim.

It is essential that this erroneous information be removed from my credit report entirely, ensuring that my credit history accurately reflects my financial behavior. By doing so, you will prevent any further negative consequences on my credit score and my ability to access credit.

Please keep me informed of the outcome of your investigation and confirm once the necessary corrections have been made. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX **Inaccuracy of information. The information reported is incorrect. ** XXXX XXXX : XXXX shows {$2500.00}, while Transunion and XXXX show {$3100.00}. Date of Last Activity : Different dates : XX/XX/XXXX ( Transunion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). Date Opened : Transunion shows XX/XX/XXXX whole XXXX and XXXX show XX/XX/XXXX. Closed date : Only reported for Transunion and XXXX XXXX XXXX : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to 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 2024-09-03 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:
In XX/XX/year>, a collection account from XXXX XXXX XXXX appeared on my credit report. This account was opened without my authorization, and I have no knowledge of the debt associated with it. I did not open or agree to this collection account, and it has been negatively impacting my credit score. 

I have not received any communication from XXXX XXXX XXXX regarding this account, and I believe it was opened in error or as a result of fraudulent activity. I request that this unauthorized account be thoroughly investigated and immediately removed from my credit report. 

This account is inaccurate and should not be associated with my credit profile. I ask that the Consumer Financial Protection Bureau assist in resolving this matter and ensuring that my credit report is corrected.

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 2024-09-03 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:
In XX/XX/year>, a collection account from XXXX XXXX XXXX appeared on my credit report. This account was opened without my authorization, and I have no knowledge of the debt associated with it. I did not open or agree to this collection account, and it has been negatively impacting my credit score. 

I have not received any communication from XXXX XXXX XXXX regarding this account, and I believe it was opened in error or as a result of fraudulent activity. I request that this unauthorized account be thoroughly investigated and immediately removed from my credit report. 

This account is inaccurate and should not be associated with my credit profile. I ask that the Consumer Financial Protection Bureau assist in resolving this matter and ensuring that my credit report is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Started reporting collection months ago. Has drastically damaged my credit report, making it next to impossible to get housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: PA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-09-03 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: PA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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