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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within 15 days. Attached are the relevant documents for your reference.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
HELLO MY CHECKING ACCOUNT IS RESTRICTED BECAUSE I MADE A DEPOSIT OF A CHECK FOR THE AMOUNT OF {$2000.00} ( XXXX ) THE CHECK WAS SENT TO MY MAILING ADDRESS AS A REFUND OF OVERPAYMENT OF A CREDIT CARD THAT IS CLOSED WITH ( XXXX ) THE CHECK IS LEGITIMATE AND THE FUNDS HAVE ALREADY BEEN PAID TO CAPITAL ONE, THE CHECK WAS NOT RETURNED AND YOU CAN NOW VALIDATE THAT THE FUNDS WERE PAID TO CAPITAL ONE, I WILL SEND PROOF OF XXXX REFUND XX/XX/scrub> XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: NY

Complaint narrative:
Subject : Follow-Up to Complaint ID XXXX Request for Additional Action To Whom It May Concern, I am writing to follow up on my previous complaint regarding KeyBank, Complaint ID XXXX, which pertains to funds that were not returned to me after the closure of my account. While I appreciate the Consumer Financial Protection Bureaus assistance in addressing this issue, I have an additional concern regarding KeyBanks reporting of this situation as fraud, which is both inaccurate and unjustified. 

The situation arose from a misunderstanding involving a check deposit that KeyBank mistakenly labeled as fraud. Both the issuer and payee of the check are close relatives of mine, and I provided a notarized letter from the payee to verify the legitimacy of the transaction. Despite my efforts to resolve the matter, including attempting to facilitate communication between KeyBank, the issuer, and the issuers bank, KeyBank closed my account and reported the issue to XXXX XXXX XXXX as fraud. 

This classification is completely unwarranted. I have made every effort to address the matter, including : Immediately contacting KeyBank after the deposit to seek a resolution. 
Providing all necessary documentation, including the notarized letter from the payee. 
Repeatedly contacting KeyBank to request updates and a resolution. 
KeyBank has failed to provide clear answers or assistance and has acknowledged internal issues related to their handling of this matter. However, their decision to label this as fraud and report it negatively to XXXX XXXX XXXX is baseless and has caused me significant harm, including being unable to open a new account elsewhere. 

I respectfully request that the CFPB assist in addressing this matter by urging KeyBank to : Remove the inaccurate report filed with XXXX XXXX XXXX. 
Provide an explanation for their actions and their failure to address my requests. 
This situation has been mishandled by KeyBank from the start, and their incorrect classification of this matter as fraud is unjust and damaging. I kindly ask for your assistance in ensuring that this negative and inaccurate report is removed promptly. 

Thank you for your time and attention to this matter. Please feel free to contact me if you require any additional information or documentation.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting a " Notice ", Experian. I ask that the information within including the Notice and all attachments are provided to Experian " XXXX XXXX ''. Due to the nature of what is/happened in California, I feel it may be best to send information in this form as I am not sure as to California USPS carriers on how it may have reflected the delivery of mail. I ask that everything within is reviewed proficiently in its entirety. ( ALL ATTACHMENTS ) I also ask that the letter / NOTICE be reviewed and all information, such as " Demand '' be reviewed and an update as to how to fix this matter is provided to me. This information has been provided to Experian on numerous occasions on the inaccuracy being reported to the credit report. Your agency has made no effort to correct this information. 

XXXX complaint XX/XX/year> XXXX complaint XX/XX/year> XXXX complaint XX/XX/year> XXXX complaint XX/XX/year> ( This is a list and there are a lot more of CFPB complaints submitted to your agency advising Experian of the inaccuracy reporting ) As advised I ask everything is reviewed in its entirety within including the " Notice '' and " Demand '' and all attachments and that the information is provided to Experian " General Counsel ''. I ask for a response as indicated is provided on how to resolve this matter. Thank you.

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 was result of identity theft
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. I have included a copy of the FTC report, as follow ; I am a victim of identity theft and inaccurate information. After reviewing my credit reported by XXXX I noticed fraudulent accounts being reported, both the rental screening and consumer reports for US Collection West , Inc, Under 18 USC 1028A aggravated identity theft is a crime. This is an issue of material fact and there is no doubt the evidence is insufficient and is genuine of the material fact, and must be resolved against XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX ( XXXX XXXX ). Please remove these items. XXXX inacted the CFRA to protect consumers insuring fair and accurate credit reporting 15 USC 1681s-2 ( a ) ( 1 ). Entities that report information about consumers to the CFRAs are called data furnishers and are not furnished information realted to consumer if the person knows and has responsable cause to believe the information is inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ) ; see FTC Report Number : XXXX See Report ID : XXXX ( XXXX attached images )

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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I had these fraudulent accounts removed and for some reason they are appearing on my profile again these accounts do not belong to me I already had XXXX help me but for some reason they keep showing on my XXXX and XXXX this is really harming my life and financial health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My account was opened on or about XX/XX/2024 under a promotion to make 3 monthly deposits and receive {$100.00}. I met the promotional terms and the promotional {$100.00} is past due. I have contacted Ally but I just keep getting delays and non-answers to the 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 monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I bought shoes from XXXX back in XXXX of XXXX, There was a glitch and i was charged twice for the shoes, i go through a complaint with XXXX and then I ask for a dispute with sofi for the XXXX charge, the decided to give me credit for BOTH but thats not what i asked, they then denied the dispute and took back for BOTH. Again all things therye just doing, so i talk with XXXX and they agree that i do need a refund and send me emails about approving it etc i give sofi a tracking number of the refund and send the email that XXXX will give me a refund. They deny this and then close my account and send it to the credit bureau. I deserve to have my money for product i did not recieve as adidas agrees and sofi has no right to keep denying that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
This is my XXXX complaint. Tha company changed my payment to. XXXX. Which I intent to pay. But it should have been effective on XX/XX/XXXX. It is still XXXX. I need credit for overpaying for a couple of months. I will gladly make up any payments. I have started.paying the correct payment. Some where a check has been lost. I ha resubmitted it. No one seems to care to help me with this.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I call about the different loan payments the first payment was XXXX now its over XXXX a month

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: NY

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: EA Holdings Corp.
State: IL

Complaint narrative:
What happened? 
In XXXX and XX/XX/year>, I made XXXX payments to Easy Acceptance , Inc., the financing company for my car loan : {$290.00} on XX/XX/year> ( Receipt # XXXX ) {$280.00} on XX/XX/year> ( Receipt # XXXX ) {$280.00} on XX/XX/year> ( Receipt # XXXX ) In XX/XX/year>, my bank account was compromised due to unauthorized activity. As part of the fraudulent actions, disputes were initiated for the payments made to Easy Acceptance , Inc . I immediately contacted my bank to clarify the issue, and they confirmed that the disputes were canceled, and the funds for the disputed payments were returned to Easy Acceptance, Inc. My bank has since closed the case and provided confirmation that Easy Acceptance received the funds.

During this process, I was informed that the payments were no longer recognized, and I was required to pay the disputed amounts again in cash, in addition to a repossession fee of {$450.00}, as my vehicle had been repossessed. Despite requesting a detailed explanation of these charges, Easy Acceptance , Inc. failed to provide an itemized breakdown. The total amount I was required to pay exceeded {$1300.00}, which is far above the original disputed payments that totaled {$850.00}.

Easy Acceptance , Inc. stated that once the funds were returned by the bank, I would receive a refund for the duplicate payments. However, despite my bank confirming that the funds were returned to Easy Acceptance, Inc., I have not received any refund or clarification on the matter.

I find this handling of my account to be misleading and potentially unfair. There has been no transparency regarding the repossession fees or the excessive amounts I was required to pay, and the company has not honored its promise to refund me once the funds were returned.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed several billing errors. These late payments don't align with my usual payment history. Please address and update these inaccuracies on my account. Thank you!

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: 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief