vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please remove all inaccurate personal information off my credit report, old address, old names old phone numbers and old drivers license and old jobs because those jobs would be inaccurate as well thank you My address XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Please delete old drivers license from XXXX XXXX Attached is a notarized letter from landlord Respectfully

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My personal information and financial information was compromised without my authorization. The family education rights and privacy act FERPA protects the confidentiality of student records this breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information I request that you immediately cancel and discharge my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

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 explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I attempted to contact Equifax due TO the DATA BREACH and dispute and remove information that does not belong to me and is adversely affecting my financial standing. I provided the necessary details and documentation to support my claim, emphasizing that the information was inaccurate and not associated with my accounts or activities. Despite my efforts to resolve the matter promptly and in good faith, I have not received any acknowledgment or response from Equifax, leaving the issue unresolved and continuing to impact me unfairly. ( 15 USC 1681i and 15 USC 1681b. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/year> I was called by a person purporting to be an employee of Citibank, calling from a number listed as Citibank. This person had access to my account information, having fraudulently opened my online banking information. This person further advised that my account was hacked and I had to take steps to reverse fraudulent transactions. Believing I was speaking to a Citi employee, I did as instructed and initiated four wires when I thought I was reversing them. One wire was returned which made me think I had been in contact with a Citi employee. The three transactions for which only part of the money was subsequently returned are summarized : {$25000.00} XXXX XXXX wired to XXXX XXXX XXXX XXXX : XXXX XXXX acct XXXX XXXX {$20000.00} XXXX  XXXX wired to XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX acct # XXXX {$18000.00} XXXX  XXXX wired to XXXX XXXX XXXX XXXX / XXXX XXXX XXXX acct # XXXX A few days after, when the transactions were not reversed, I contacted Citibank and reported the transactions to the local FBI office. Citibank did attempt to have the receiving bank return the funds, and were able to get {$12000.00}, {$11000.00}, and {$2700.00} returned. Citibank has since advised the remaining funds will not be returned and they are not responsible for the difference.

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 2025-02-18 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Phone was stolen in XXXX and the party that stole the phone hacked into my Chase App on phone. Sent a transfer through XXXX for {$2500.00} without authorization after my phone was taken. Filed a police report with XXXX XXXX for stolen property and identity theft. XXXX XXXX filed a complete report, filed a report with XXXX and my phone service provider. JP Morgan has denied giving my money back because they claim XXXX has no retrieval process for unauthorized funds. Been dealing with this and battling Chase for over 6 months and still have denied my claim. Need help with this because Chase shouldnt be doing business with a company that has no retrieval process for unauthorized transfers. Any help is greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed on the Cashapp platform. 

A sender sent me two checks to purchase equipment for a job that I was supposed to start. 

After depositing these checks to my financial institution XXXX XXXX XXXX XXXXXXXX ). 

The bank cleared the first check. I sent thise funds to my Cashapp and transferred them to the requested party. 

Later, my bank reached out to tell me that there was an issue with the second check. It had come back counterfeit. 
None of those funds had become available and so none of those funds were used. XXXX  XXXX XXXX said that although the funds had been cleared, they know recognize that the first check was counterfeit as well. 

This resulted in my account becoming negative for the transferred funds I sent using Cashapp. 

I contacted Cashapp to dispute the transaction and they told me they couldn't do anything to resolve the matter and I was just to loose those funds. 

They offered no true help in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
PayPal credit and PayPal debit services disposal of my account with a negative balance of - {$270.00}, stated that it was from PayPal debit and money was transferred to my bank account instead. My bank statements does not show money was sent and I inform them that I do not use PayPal debit services I use PayPal credit.

Looking further within my statement I noticed that there was a purchase from Walmart from XXXX XXXX  in this amount and I am located in XXXXXXXX XXXX XXXX. 
Inform merchant and PayPal services that my account has been hacked and requested to open investigation to have my account reviewed and reopened.

No response yet from either party. I am reporting fraud waste and abuse fraudulent activity on PayPal account.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: PA

Complaint narrative:
My mortgage was recently taken over by selene mortgage. They have not sent me any information not a welcome packet nothing. I only know about them taking over my mortgage because of ny previous lender letting me know. So I called them last week to make a payment over the phone. Which they took and immediately took my money out of my bank account but did not apply my payment to my mortgage. It's just hanging out in a suspense account that I did not authorize and I have a late payment showing. No one can help me. They won't let me talk to a supervisor they are so unprofessional and I have another payment due XX/XX/XXXX when they haven't even applied my first payment correctly. They are incompetent and should be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Constar Financial Services, LLC
State: AL

Complaint narrative:
I've already filed a claim with XXXX XXXX XXXX. So XXXX XXXX XXXX sold the account # XXXX. I am not responsible for this account the car was surrendered in good standing & XXXX sold the vehicle at Auction i will pursue legal action ASAP against XXXX XXXX XXXX XXXX CONSTAR FINANCIAL SERVICES LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Unauthorized Inquiries on my Credit Report : XXXX XXXX XXXX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXt XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unauthorized Inquiries on my Credit Report : XXXX XXXX XXXX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXt XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hi my name is XXXX XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. 
**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 
**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Cr
edit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.

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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Called to have fee waived on XX/XX/year> and was told they couldn't waive it until it was charged which wasn't until the next billing XXXX. I closed the card and they still charged the fee and then charged another fee. They are not supposed to charge fees on top of fees. I paid what was owed. Called on XX/XX/year> and they wanted more fees. I paid the fees as I can't have this on my credit report however they should not be charging fees on top of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have attached a confirmation from XXXX themselves stating that the account is incorrect, yet the account still remains on my credit report. I have also attached proof of the account being marked as closed, however the account still remains and reflects as open on all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
The previous company that held my mortgage XXXX made an error with my escrow and insurance and set up a payment program over 5 years to amend their error. My loan was transferred to Freedom Mortgage and now they are raising my escrow over $ XXXX. Is there a way to perform an audit.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I am writing to file a complaint regarding a debt collector who has failed to provide debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and has not issued a 1099-C after the alleged fraudulent debt was written off. 

On [ Date ], I received communication from [ Debt Collector 's Name ] claiming I owed a debt for [ Amount of Debt ]. However, I believe this debt is fraudulent and was not incurred by me. I have requested, in writing, debt validation from [ Debt Collector 's Name ] in accordance with the FDCPA ( 15 U.S.C. 1692g ). Despite my request, they have not provided any documentation or verification of the alleged debt. 

Furthermore, the debt appears to have been written off by the creditor as uncollectible. Under IRS regulations, when a debt of {$600.00} or more is written off, the creditor is required to issue a 1099-C form, which reports the forgiven debt as income. As of today, I have not received such a form. 

Please investigate this matter, as I believe the debt is fraudulent, and the debt collector is in violation of federal law by failing to provide both the requested validation and the 1099-C form

Company response to consumer: Closed with explanation