vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
Ive contacted them twice about the same account, my XXXX XXXX is in late payment status as 30-69 days late and has a late payment on XXXX and I wasn't late in XXXX. I disputed the information and XXXX XXXX stated they fixed it but its still showing late on my report. I ask that you guys please fix this situation 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 2025-01-13 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: FL

Complaint narrative:
Dear CFPB Representatives, I am writing to file a formal complaint regarding Experian under the Fair Credit Reporting Act ( FCRA ), which protects consumers from incorrect or unauthorized information on their credit reports. 

On XX/XX/XXXX, I sent a letter to Experian requesting the removal of several inquiries on my credit report that I do not recognize and believe to be unauthorized. Subsequently, I made two phone calls to Experian : the first on XX/XX/XXXX, and the second today, XX/XX/XXXX, to follow up on my request. 

During both calls, Experian representatives informed me that these inquiries can not be removed because they are allegedly related to an open auto loan listed on my credit report. I want to emphasize that I have no knowledge of those inquiries associated with my credit report, and I have also noticed that some of these inquiries are duplicated, further compounding the issue XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA, I have the right to dispute inaccurate information on my credit report and to receive a fair and reasonable investigation by the credit bureau. I also have the right to have unauthorized inquiries removed, especially if they are not associated with legitimate transactions or my consent. 

I request CFPBs assistance to ensure that Experian fulfills its legal obligations and takes the following actions : Remove all unauthorized inquiries from my credit report, including duplicates. 
Provide clear documentation supporting any connection between these inquiries and a legitimate auto loan, if such a connection exists. 
Ensure that these errors do not occur again and that my information remains accurate and up to date. 
Thank you for your attention and assistance in resolving this matter efficiently and fairly. 

I look forward to your response and am willing to provide any additional information necessary to support my case. 

Sincerely, 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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX, my original Wells Fargo card number was stolen, and I immediately locked the card and reported the theft to Wells Fargo. The morning of XX/XX/XXXX, I received an email notification that my replacement card was charged for {$34.00} at XXXX in Pennsylvania. The replacement card was still being shipped and I had yet to receive it. I also live in Alabama, so I did not make this purchase or authorize anyone to use my card. I immediately contacted Wells Fargo and was informed that the thief had added my original card to their XXXX XXXX XXXX and when I ordered the replacement card, it was automatically added to their XXXX XXXX as well. So Wells Fargo cancelled that replacement card being shipped to me and ordered me a new replacement card and reassured me that the XXXX transaction would be refunded back to my account in several business days via a dispute. I still ended up receiving the original replacement card in the mail 2 days after even though it had to be canceled before it ever arrived, so it was unusable. 

After several days, Wells Fargo informed me that the dispute to refund the {$34.00} was denied and will not be refunded back to me despite my reporting the theft promptly and taking the necessary steps to secure my account after the unauthorized transaction. This situation is frustrating, and I am requesting a refund of the {$34.00} as it was a fraudulent charge. Additionally, I would like clarification on why the transaction was allowed to go through when my card was locked and the replacement was canceled before arrival. 

Because of this, I have been without a usable card for over two weeks, and I am seeking a resolution to ensure that Wells Fargos fraud protection policy is properly enforced and I get my money back.

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 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
The app ive been using for my cryptocurrency/stocks were robinhood. i had an issue where money ive deposited from my bank to robinhood bounced back because i was using the wrong bank. After a few dats my account was restricted because of a negative balance in my robinhood account. Ive paid off that negative balance of {$700.00} once the notification popped up, even then my account was still restricted and i could not transfer any of my assets back to any of my bank accounts. The funds in my robinhood account were inaccessible, i had requested a call back for help from their support service but have not heard a call back even after weeks. I would get a notification saying that their team would look at it and get it resolved by a certain date but once that date came it would get pushed back a day and this continued for many weeks. ive tried to contact their support team more than 30 times but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours
State: WA

Complaint narrative:
EarnIn deducted a repayment from my account which made it several hundred in the negative, I asked if we could defer the payment and was told they can refund it for me once it is no longer pending, once it was no longer pending I contacted them again and half of the amount had already fallen off but half still remains, this was on Saturday at XXXX and they said they would check my account and didn't answer for awhile then said they would transfer me to a specialist. I continued to check into the chat for an hour and gave up and when I went back they didn't reply until XXXX on Sunday and said that since the amount has already been credited they can't do anything, which is not what they told me before. I replied on Monday ( today ) at XXXX explaining that to them and since then no one has answered and it is now XXXX and I really need to pick up medication and groceries after work today, therefore I have attempted to email them with no reply and also called them but it did not even ring and I was asked to leave a voicemail even though it is the middle of the day on a Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
I ask the company to provide me with original purchase agreement! 
Account # XXXX as shown on XXXX! 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX I have called in for my grandma about her claim dispute status for XXXX for payment {$10.00} and for payment {$160.00} and the agent told me for the payment {$10.00} a credit was insured for it but for the payment {$160.00} they was requesting 4 documents and I told him me or her cant provide the documents they need so they can process the {$160.00} claim and I told him that she have ordered something but the XXXX cancel the order and banned her account for no reason and when I contact them and she contact them by phone they told me and her they cant uban the account or issue a refund for the {$160.00} and {$10.00} we will have to contact the bank to dispute it and when I contact them back and she did too they told me and her they issue a refund for both payments but never I need yall to investigate the claim for {$10.00} and investigate the claim for {$160.00} and process a permanent credit for {$160.00} and {$10.00} her ssn is XXXX to look up the account information for the checking and saving account I dont know the accounts numbers you can contact me at XXXX etc her name is XXXX XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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.

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 2025-01-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Date Reported XX/XX/year> Payment Status 90 Days Late Amount Past Due {$150.00} of XXXX Account Type XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I attempted to contact PR XXXXXXXX XXXX XXXX known as XXXX XXXX XXXX XXXX XXXX XXXX. I informed them about an amount the company claims I never paid {$150.00} out of $ XXXX is affecting my credit report. However, their system shows no record of this. I want to determine if someone else used my Social Security number to open an account in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The account is with Credit Acceptance. I have reached out several times this is not my account in the amount of {$6400.00}

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 2025-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I tried to get this off my account numerous amount of times but the will not take it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
My mortgage was sold by Rushmore loan to another company over 5 years ago and they think I still owe them money my loan has been sold in the past and I never was asked to keep paying the old company that sold the loan they have been reporting to the credit bureau that I'm late every month for years how do I owe this company if they sold the mortgage that's fake that's like saying I still owe the other companys that sold it this is so wrong I called them and they tried to tell me I still owe them money even though they sold the loan that's not right I need some help here

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX, SynchronyBank wrote : " In addition, a credit for {$9.00} was also applied to your balance on XX/XX/year>, as resolution for a billing dispute opened by you on XX/XX/year>, in which you claimed you were overcharged by the merchant by {$9.00}, for the purchase in question ''. 

If true, why did you give this credit WHEN THERE'S NO INVOICE/Charge of {$1200.00} by XXXX XXXX ? ? A credit i could never request since there was NO SUCH Extra Charge. 

SynchronyBank Statement ( XXXX ) Attached ( also attached in my Complaint XXXX ) states : PAYMENT OF AMOUNT IN DISPUTE {$1800.00} NOT REQUIRED. SynchronyBank must explain this LIE and Fraud {$1800.00}. Where did you get {$1800.00} from?? 

Also, i didn't PURCHASE anything in XX/XX/year> as SynchronyBank continues to claim WITHOUT EVIDENCE for this {$30.00} PURCHASE of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX I NOTICED AN UNAUTHORIZED COLLECTION ADDED TO MY XXXX AND XXXX CREDIT REPORT I RECENTLY REACHED OUT TO THE CREDIT BUREAU ABOUT INACCURATE REPORTING. 


AMSHER COLLECTION SERVICES DATE OPEN XX/XX/year> AMOUNT {$270.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/year> I applied for payment reduction ( I am XXXX years old XXXX XXXX XXXX ), each month I call they indicated they have a back log and unable to process. I completed application on Student Aid and submitted proof of income- I continue to be dismissed. 
I need help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Experian, XXXX, & XXXX, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Experian is legally required to complete this action within four business days of receiving this complaint. 
*Fraudulent Accounts to be Removed : * XXXX XXXX XXXX account number XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX. 
The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiatemy claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of thesteps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to thisurgent matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.

Company response to consumer: Closed with non-monetary relief