vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: MD

Complaint narrative:
Ive noticed that your company has inquiries on my credit report that I never gave permission for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I received two lease approval emails from Acima for {$3300.00} ( Lease approval # XXXX ) at XXXX XXXX XXXX, and {$6000.00} at XXXX XXXX XXXX XXXX ( Lease approval # XXXX ). Subsequently, on XX/XX/XXXX, I received an email welcoming me to Acima Leasing, stating that I had initiated a lease with XXXX  XXXX XXXX for {$3700.00}, which I never authorized or initiated. 

Assuming this to be an email phishing scam, I ignored the original email. However, I did take the precaution of finding Acimas email address ( XXXX ) and sent an email stating that I have not purchased or leased anything from them and inquired if this was a fraudulent email. I did not receive a response. 

I then received several subsequent emails claiming the lease was past due, expiring, requiring the product to be returned, and mentioning that collections are now involved, with potential credit reporting if not paid. On XX/XX/XXXX, I responded to an email from XXXX, stating that fake lease accounts had been opened in my name/email ID, and I was receiving unwanted emails about payments due. I mentioned that I would pursue legal action if this issue was not resolved. I received only an automated response confirming receipt of my email. 

On XX/XX/XXXX, a collection team came to my house ( I am unsure how they obtained my address ). They handed me a phone number to call. When I called, I was informed that my cell number did not match their records. 

That indicated that my identity had been stolen, and my information is being used for a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute again inaccurate and unverifiable information appearing on my credit report. Experian 's faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher 's response to the disputed information, and failure to inform me of the results of the reinvestigation also violate the CFPA 's prohibition on unfair acts or practices. 12 U.S.C. 5531 ( c ) ( 1 ). Also, when I disputed the accuracy or completeness of information in their consumer report, the FCRA requires Experian, Equifax and Transunion to conduct a " reasonable reinvestigation '' of the disputed information and report the results of the reinvestigation to the consumer, all within certain timelines. 15 U.S.C. 1681i ( a ). Additionally, as per Metro 2 compliance guidelines outlined in the Credit Reporting Resource Guide ( CRRG ), all data reported to credit bureaus must be accurate, complete, and verifiable. The following accounts fail to meet this standard : XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX  Account # XXXX and 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 2025-02-17 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: NV

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 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 2025-02-17 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My debit card was hacked and they locked my card ( chase ) on XX/XX/14 I went into the bank to get funds and to ask for my card to be expedited to pay bills. The lady at the banks said it was a {$5.00} charge but she can not expedite it so I drew funds out and left. She did tell me to use digital wallet. I tired to get cash at chase atm and it come out fraud after I answer question. I call XXXX number and they could not help me. I asked if they could add card info to a message on the site so I can pay bills. Nope. I asked can you expedite my card she said yes after you answer the question. I tell her those are not my question she stated I'm sorry I can't help you. This bank have been nothing but a thorn in my side. I will nor fuss but I will take my funds to another bank. I thank the fraud dept but the other rule and policy are garbage. Maybe Chase bank should consider a temporary card like other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Since XXXX i have hade there services i have always made payments on time. Over the years they have done XXXX limit decreases on my credit card up until XX/XX/XXXX have.The Problem is barclay/mastercard/jetbue looking at my credit reports at my total debt that determined all these decisions. They did not have the authority nor permission to keep looking at my credit report to determine how they handle my account, this is a clear violation of my FCRA Rights. My Credit score has been dropped and damaged due to these credit decreases.

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 2025-02-17 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: FL

Complaint narrative:
XXXX Acct # XXXX was reported to law enforcement as Identity theft in XX/XX/year> ( see enclosed FTC Report ). XXXX XXXX XXXX is a debt buyer who ILLEGALLY bought this debt. It was reinserted illegally by XXXX XXXX and is showing as a CHARGE_OFF. This has happened multiple times. To fail to correct inaccurate information of an identity theft victim is a violation of Section 623 ( a ) 2 of the FCRA. Additionally, you are legally responsible for preventing reinsertion. Please delete and permanently block the following account as identity theft : XXXX XXXX XXXX XXXX XXXX, Acct # XXXX Original Creditor : XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX someone stole my credit card number and booked a flight from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$130.00}. I notified Citi about this and reported it as fraud. They opened a dispute. Citi contacted the airline, and the merchant responded. They sent the entire flight manifest, the name and contact information for the person who made the charge ( XXXX XXXX ) with cel phone number and address. However, Citi then reversed my credit and closed the dispute although this information proved that I DID NOT purchase these tickets. 

I've now reopened the dispute, and they've reached out again to the merchant. When I called Citi today, they said they couldn't guarantee any resolution and couldn't provide any information. When I asked if they had reviewed the information from the merchant which proved someone else made the purchase, they said they couldn't verify that. As a customer and victim of fraud, it seems there is no way to prove this, although the printed evidence shows that I was not on the flight manifest and I did not make the purchase. I'm very concerned and feel that Citi does not care about my rights as a customer, because they are choosing to ignore the printed evidence from the airline. 

My XXXX XXXX  card customer agreement states that I'm not responsible for charges that I didn't make. I've submitted emails and signed statements to Citi, but they still have not resolved this issue. Furthermore, they sent the contact information for the person who stole my card directly to me, which does not match any of my information. 

I plan to close my Citi card, but need this dispute resolved immediately. I do not trust this credit card company to protect me or my personal 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 monetary relief
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT. THESE ACCOUNT ARE AFFECTING MY REPORT SO BAD, I WANT PLEASE TO GET THEM BLOCK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
requested validation of this debt, it was in a minors name my grand daughter which is not my child, which is a violations of the HIPPA regulations. she has insurance with XXXX XXXX XXXX XXXX, and it shouldn't be on my report her mother name is different from minds just have the same address. The debt is with XXXX, XXXX XXXX XXXX is showing to on my request and I want them deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
This is a medical bill I do not owe, and this company did not send any validation information that was requested. They got medical information on my credit report and this is Illegal from CFPB ruling on XX/XX/2025. And they have it as past due balance also, that is inaccurate information also. I am requesting it be removed Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Shellpoint stated in CFPB Complaint # XXXX, that company would be sending statements and that company would send information on getting XXXX for XXXX year. This reply from company was dated XX/XX/year>. 
I still do not have any statements nor does my attorney from the date of this complain to current. I am asking that Shellpoint response be considered as a written contract/letter of intent/written agreement, with me that this company has disregarded and not honored.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom it May Concern, I am writing in response to your letter dated XXXX XXXX regarding the alleged debt referenced as Account number XXXX. 

I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : The amount of the debt. 
The name of the creditor to whom the debt is currently owed. 
A copy of any documentation, including the original signed agreement, that verifies I owe this debt. 
A detailed history of the debt, including the date it was incurred, payments made, and any interest or fees applied. 

Until this information is provided, I do not acknowledge this debt, and I request that you cease any further collection efforts on this account. If you are unable to provide validation, I ask that you promptly remove this debt from your records and cease all collection activities.In addition, it should be deleted from all credit reports ( Transunion, XXXX, equifax ). 

Please note that any further communication or action regarding this matter should be directed to me in writing via email at XXXX. 

Thank you for your attention to this matter. I look forward to receiving the requested validation in a timely manner. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal 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, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XX/XX/year> I ordered from XXXX and paid with Affirm. I will never use Affirm again. The items ordered was for my XXXX XXXX XXXX  XXXX informed me shipping was going to be delayed so I canceled all items. I informed Affirm on the app to cancel but the app says communication has to be made with vendor/merchant. I have been on the phone numerous of times with XXXX and Affirm the past year. I have even had the company support staff on a XXXX way call. Affirm is saying funds have been given to XXXX and they have to receive their money back from XXXX. XXXX is saying no funds were received because the order was canceled. In the meantime myself the consumer is out the XXXXXXXX XXXX  I have already paid and my credit is being ruined because I dont want to pay anymore for items I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Inquiries : 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

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 2025-02-17 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal 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, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: AppFolio, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX. XXXX is reporting on my criminal background that I was convicted of a felony in XXXX. When in fact I went to court for a probation violation and the disposition was my probation violation. 

I contacted them and left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft were assessed on Transactions that settled with insufficient balances, even though funds were available when the transactions were initiated.

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
I have received an SMS from a peculiar number - XXXX ( XXXX ) XXXX asking about debt that I somehow have, the messenger is going under " National Recovery Agency '' asking me to repay debt of {$1300.00}. Original creditor - " Pennsylvania XXXX XXXX, XXXX '' Reference number : XXXX. XXXX XXXX listed : XXXX XXXX XXXX, XXXX. Date notice : XX/XX/XXXX - Dispute Deadline : XX/XX/XXXX - Debt Originated : XX/XX/XXXX I have went through XXXX for a credit report and it lists {$0.00} in total debt up to this current date, as well as XXXX  XXXX, none of my balances change listed as me being in debt, as well as official statements and bank reports listed under my XXXX  XXXX account. Other " National Recovery Agency '' information listed is stated as : National Recovery Agency XXXX XXXX XXXX XXXX, PA, XXXX Email : XXXX Phone : XXXX p.s. To my knowledge is further understanding as the falsely information listed, The email and phone number does not match the actual credited information of the confirmed email and phone number of the legitimate National Recovery Agency. The actual phone number listed for the esteemed debt collecting agency is under XXXX as well as ( 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