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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 2025-02-18 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: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
A $ XXXX HELOC was opened on or around XXXX with XXXX XXXX. At some point the debt was sold to XXXX. Subsequently the market crashed and the property was " underwater '' with a primary mortgage of $ XXXX on the property valued at $ XXXX. This market crash resulted in this HELOC being charged off on or around XXXX. 

XXXX years after the debt was charged off, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX send letters threatening to foreclose unless payment is made in an amount exceeding $ XXXX. 

We believed this debt was charged off, and for well over 10 years did not receive any communication to believe otherwise. 

In blatant disregard of its obligations under XXXX, XXXX et al failed to send monthly statements yet it continued to assess interest and fees causing the balances to increase with no notice to consumer about the ballooning balance. 

XXXX et al 's unfair and deceptive practices also violate contract waiver principles, which prevent creditors and servicers from claiming amounts owed under a contract when they have failed to provide notice to the borrower of the accumulation of those amounts, especially, in this case, when they had over a decade to provide notice but failed to do so. This is in clear violation of the Truth In Lending Act. 

XXXX et al systematically and as a matter of routine practice failing to provide periodic billing statements to consumers for extended periods of time and then, suddenly, attempting to collect years worth of accrued interest and fees in addition to the principal obligations that were not actually owed, under direct or implied threat of foreclosure, constitutes an unfair and/or deceptive trade or practice. 

I have suffered severe emotional stress over this company 's unfair, deceptive and unconscionable attempt to foreclose on my property. I have lost time and money and the opportunity to sell or lease out the property due to their unfair and deceptive threats to foreclose. 

Multiple class actions suits.

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: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: AZ

Complaint narrative:
I applied for a XXXX  XXXX XXXX XXXX  card from XXXX XXXX and was turned down because they said that there is a payment relief, credit counseling service remark on my Experian report. 
I have no idea what that is and can not see it on my report when I look at it to dispute it. 
I would like to know what these 2 items are regarding and have them removed because I am not aware of anything like that. 
I have called Experian numerous times and can not get through, the system hangs up on 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 2025-02-18 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
On my credit report shows that I was late on my Mercedes Benz account in XXXX, XXXX and XXXX of XXXX. I was XXXX during those 3 months because of XXXX. I also reported it to Mercedes Benz Financial but they still reported it late. Because of the disaster assistance it should not show late on my credit reports. Please fix the issue and remove the lates and update my credit reports.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXXXXXX XXXX # XXXX  XX/XX/XXXX -- {$1500.00} XXXX  XXXX XXXX # XXXX  XX/XX/XXXX -- {$2100.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$4400.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$4800.00}

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 2025-02-18 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: NC

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not apply for credit with the following institutions, and as such, these inquiries were made without my authorization. The inquiries in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX : XXXX. XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ), hard inquiries should only be included on a credit report if they were authorized by the consumer. Since I did not approve these inquiries, they must be removed from my credit report immediately. Furthermore, FCRA 15 U.S.C. 1681i requires credit reporting agencies to correct or delete inaccurate, unverifiable, or incomplete information in a timely manner.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not apply for credit with the following institutions, and as such, these inquiries were made without my authorization. The inquiries in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX : XXXX. XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ), hard inquiries should only be included on a credit report if they were authorized by the consumer. Since I did not approve these inquiries, they must be removed from my credit report immediately. Furthermore, FCRA 15 U.S.C. 1681i requires credit reporting agencies to correct or delete inaccurate, unverifiable, or incomplete information in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
I have received two emails since XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX In their emails they are asking for payment on a XXXX XXXX XXXX account stating last payment was made XX/XX/XXXX. I have received XXXX FORMAL WRITING to my current home address in regards to an attempt to collect a debt, ownership or validation of this debt. 

XX/XX/XXXX I purchased a car from XXXX XXXX XXXX and paid a large down payment, paid on time, had insurance with no lapse and nothing but problems. Consumers including myself were SCAMMED! Advised to complain via news outlet to our state afforney general which I did on XXXX after all consumers including myself, learned through XXXX from fired employees of XXXX XXXX XXXXXXXX that everyones signature had been forged and sent to a debt collector REGARDLESS OF BEING CURRENT ( which I was never late and always up to date ). 

From there it has been distressing dealing with this situation for the last 2 years, sending certified letters, no resolve through the first debt collector XXXX, and the company filing bankruptcy and dissolving the company and putting in a motion to destroy all documents per public pacer records. 

I originally got this debt removed from my credit report via XXXX and then by XXXX XXXX, it was placed back on my credit report via XXXX. I again started my dispute process sending certified letters out with no resolve as they were reporting numerous inaccurate information and balances to XXXX, XXXX  and XXXX and would not accurately validate the debt with the requested proof and my wet signature as the account was illegally sent to collections without my knowledge while not in default and the company withholding integrity towards its consumers. 

I want this account deleted from my all my credit report, NO ELECTRONIC CORRESPONDENCE ONLY US MAIL, I request an IMMEDIATE CEASE AND DESIST ON THIS DEBT, a proper and thorough investigation for ownership of this debt and how it was legally sent to collections without any knowledge and not in default. This has been a nightmare for 2 years and causing mental stress and financial strains. I am a single parent on one income and paying a current high car not because of this disaster I was put in by XXXX XXXX XXXX who no longer exist!!!!!!!! And furthermore has XXXX integrity!

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: Other transaction problem — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I transferred money from my credit Karma XXXX money account to my closed XXXX bank debit card on accident in XXXX. I called and asked for a dispute because the my XXXX Bank account has been closed since XXXX Credit Karma stated that they called the merchant and verified they received the money. I asked for documentation of what merchant they called and the tracking number they used to state they received the money and Credit Karma was not able to provide any of that information. I called XXXX bank and they stated they never received the funds because the account has been closed since XXXX. They told me that the funds would be returned back to Credit Karma.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate removal of an unauthorized hard inquiry on my credit report conducted by GM Financial. Upon reviewing my credit report, I discovered that GM Financial made a hard inquiry without my explicit consent, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

I never authorized this inquiry, nor did I apply for credit with your company. Under the FCRA, you are required to have permissible purpose before initiating a hard inquiry on a consumers credit file. Since I did not grant such authorization, this inquiry is unauthorized and must be removed immediately. 

I demand that you : XXXX. Provide documented proof that I gave written permission for this inquiry. If you fail to provide this within XXXX days, it will be considered a direct violation of my consumer rights. 
XXXX. Immediately remove this hard inquiry from my credit reports with all XXXX major credit bureaus ( XXXX ). 
XXXX. Confirm in writing that the removal has been processed. 

Failure to comply with this request will leave me with no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will seek legal action against GM Financial for damages caused by this unauthorized inquiry. 

This is your final notice. You have XXXX days from the date of this letter to respond and take corrective action, or I will pursue all available legal remedies against GM Financial. 

I expect an immediate resolution to this matter. Please send written confirmation of the removal to the address listed above. 

XXXX

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: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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: EQUIFAX, INC.
State: MS

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand immediate corrections regarding the inaccurate reporting of my Capital One account on my credit report. Your records indicate that this account has been charged off, closed, and written off as a profit and loss write-off. Despite this, you continue to report late payments, which is both misleading and inaccurate. 

A charge-off means that the debt is no longer actively being collected by you, and it should not continue to be reported as late. Reporting a charged-off account as still accruing late payments is a violation of the Fair Credit Reporting Act ( FCRA ) and misrepresents the status of the debt. 

Additionally, since this account was written off as a profit and loss write-off, IRS regulations require that you issue a Form 1099-C Cancellation of Debt for any forgiven amount exceeding {$600.00}. To date, I have not received this form, and I am formally requesting that it be sent to me immediately.

I demand that you : 1. Immediately cease all late payment reporting on this account and correct my credit report to reflect the true charge-off date with no additional delinquencies.

2. Issue a Form 1099-C for the charged-off balance and provide it to me as required by IRS regulations.

3. Provide written confirmation within 15 days that these corrections have been made.

If these issues are not addressed promptly, I will be forced to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the IRS, and the credit bureaus for inaccurate reporting and non-compliance with federal regulations.

I expect an immediate response to this letter. Please send the requested documentation and confirmation to the address listed above. 

Sincerely, XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX 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: 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: NM

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX 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 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief