vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: WI

Complaint narrative:
Upon viewing my most recent consumer report, I saw a XXXX  account that shouldn't be shown there. I studied the consumer laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! I'm a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I will seek legal action against your company!

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 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
I got a vehicle from XXXX Missouri at the end of XXXX XXXX and found out XXXX XXXX that the engine is going out as well as they accepted me for a loan and threaten to take the vehicle because they didnt get all the proper documentations at the beginning of me getting the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NY

Complaint narrative:
There is so many errors on my credit file starting with the soft and hard pulls. Almost all of these companies listed are there multiple times for the same day, over and over again. I did not request any the pulls listed on my current report. 

The only thing that should be on my credit file is my student loans and past paid accounts from prior to XXXX. I have been homeless since then and none of the accounts showing where mine before that. I have disputed these and absolutly nothing changes. It feels like they just wait a few days and say " NOPE! LOOKS GOOD HERE! '' without doing anything!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
I had a hard inquiry from XXXX  XXXX. Ive never done business with them and never contacted them. I tried reaching out to figure out what happened and instead of transferring me to the appropriate department the person I spoke with wanted my Social Security number. I dont mind Supplying that information to the single appropriate person. I need to speak with, but not every person along the way. The person refused to transfer me. I need to know how the inquiry happened, whether someone was impersonating me or not. And I need the inquiry removed from my 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 2025-01-22 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-01-22 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: MS

Complaint narrative:
Equifax has been putting wrong information on my credit report and is refusing to change them once it has been disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
Experian failed to properly investigate my dispute on numerous occasions. I am disputing the completeness and accuracy of the account reported with account level documentation.

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 2025-01-22 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: V and H Portfolio
State: IN

Complaint narrative:
I filed a dispute on accounts XXXX with the company XXXX XXXX XXXX due to Identity theft. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
XX/XX/year> I started a dispute with transunion about accounts reported on my credit report I gave the law section 605b and made them aware of the fact that I had no knowledge of the accounts and that keeps stating that it will take 30 days despite what the law says. my information was exposed in a data breach. I made that very clear and the fact that all the open accounts that I didn '' t open is causing me harm by being denied an extension of credit. I have desputed the accounts before and they always come back as verified without any proof. I did get incorrect addresses and names remove except one incorrect name. I'm not sure why they are not removing it when the spelling is clearly wrong.

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 2025-01-22 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-22 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-01-22 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$4200.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX  Balance {$16000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$4400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$4800.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$980.00} Open Date XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$870.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX  Balance {$740.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$660.00} Open Date XX/XX/XXXX inquiries XXXX  XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX  Date XXXX XXXX, XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX  XXXX  XXXX  Date XX/XX/XXXX XXXX  XXXX  XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  XXXX  XXXX  Date XX/XX/XXXX XXXX  XXXX  Date XXXX XXXX, XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX  XXXX  XXXX  Date XXXX XXXX, XXXX XXXX XXXX  XXXX Date XXXX XXXX, XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX  XXXX  XXXX  Date XXXX XXXX, XXXX XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Opportunity Financial, LLC
State: TX

Complaint narrative:
I recently came across an error in my credit report that seems inconsistent with my personal records. It is important to me that my credit report accurately reflects my financial activities and standing. I kindly request a thorough review of the report to identify and resolve any discrepancies. Thank you for your attention to this matterit is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
Please help me, I have attached supporting correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
Please help me, I have attached supporting correspondence.

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 2025-01-22 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: TN

Complaint narrative:
I have sent disputes on XX/XX/24, XX/XX/24 XX/XX/24 to equifax and I requested supporting documents of how the debts on my credit are in fact my mine. They have failed to provide how they investigated the issues. I asked on XXXX XXXX for them to send me a detailed discription of the procedures used to investigate serveral accounts that I will attach below! They failed to respond to my letter that I sent them on XX/XX/24! That is a complete violation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
XXXX Bank Closed An Account That Did Not Belong To Me But Had All My Personal Information The Account Was Negative Which Affected My Credit Score XXXX XXXX also closed a account after me verbally stating i have never had services, this has also affected my credit score greatly and this account does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In XX/XX/year>2024 I was late on my PNC credit card. This was my XXXX  late payment in any account. When attempting to make the payment, PNC notified me they had trouble processing that payment so I paid the balance in full in cash at the branch. XXXX week later, PNC processed all XXXX previously declined payments. When I contacted PNC, they stated they would send me refunds for my overpayments in the mail via check. When I received the checks, I assumed the situation was resolved. Later that month, I discovered PNC had processed each refund XXXX which racked up a balance on my card. When I went to the branch to speak with a banker, they admitted this was an error. They then stated they would refund the balance as it was a clerical error and close out the card once the balance was XXXX. They closed the card there on the spot without notifying me. I was told I would receive a letter in the mail when my card was closed which I never did. I had attempted time and time again to get this issue resolved before my payment due date but could not get a resolution. My credit score dropped over XXXX points overnight because of PNCs mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act, Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected .Futhermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E.These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
Over the last few months XXXX XXXX  has been taking {$29.00} of over draft fees each time out of my account. Which is illegal and over the amount they should charge! There was even times when they still charged me for a overdraft return check fee when I still had money in my account but in my savings instead

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX   XXXX  XXXX XXXX XXXX  certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
FNB OMAHA Account XXXX appears as a charge-off on my credit report. According to the IRS, an unpaid charge-off is income, and according to the FCRA, income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the above account and be removed from credit report. This account can not be reported as a charge-off on my credit report. If the account was sold to another lender. Please send the 1099-C form.

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 2025-01-22 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: FL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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