vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: IA

Complaint narrative:
I am disputing multiple inaccuracies on my Experian credit report ( Report # XXXX ) related to personal information and an unauthorized inquiry. 

Incorrect Name and Address : My correct name is XXXX XXXX, but Experian is reporting XXXX XXXX XXXX, which is incorrect. Additionally, my only valid address is XXXX XXXX XXXX XXXX, XXXX, IA XXXX, yet XXXX XXXX XXXX is incorrectly listed. I do not live at this address and can not receive mail there. 

Unauthorized Inquiry : There is an unauthorized hard inquiry from XXXX XXXX XXXX  dated XX/XX/year>. I did not apply for credit with this company or authorize this inquiry. 

I have disputed these issues multiple times directly with Experian, providing the required documentation ( drivers license, Social Security card, and utility bill ) to verify my identity and address. Despite this, Experian has failed to correct the inaccuracies. 

Experian is in violation of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure that all information in a credit report is accurate and verifiable ( 15 U.S.C. 1681e ( b ) ). Additionally, they have not removed the unauthorized inquiry, which violates 15 U.S.C. 1681b of the FCRA, as I did not give consent or apply for credit with XXXX XXXX XXXX 

I am submitting this complaint through the CFPB because Experian has failed to resolve these issues after multiple attempts. I am requesting that the incorrect name and address be removed, the unauthorized inquiry be deleted, and an updated credit report be sent to me confirming these corrections.

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 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
For Capital One Bank acct # XXXX Identity, thieves have completely over-run my accounts and created situation where I may have to close my doors until further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
On XX/XX/year>XXXX  XXXX XXXX XXXX ran a credit check without my consent. I contacted the dealership and they informed me that they didnt have an answer on who conducted the credit check and that would get back to me but they never did and then declined my follow up calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX ran a credit check without my consent. I contacted the dealership and they informed me that they didnt have an answer on who conducted the credit check and that would get back to me but they never did and then declined my follow up calls.

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 2025-01-05 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/year>, I received an email from XXXX XXXX regarding an new hard inquiry on my XXXX credit report. It showed the inquiry was from CitiBank N.A. and was reported on XX/XX/year>. I do not have any accounts with that financial institution, nor did I apply for any loans or credit. I did not authorize any inquiry by CitiBank N.A. 

I filed a dispute with the credit bureau and they advised since inquiries are matter of fact, I needed to contact the company that did the inquiry. I contacted CitiBank and they advised there were no accounts, loans, or credit that was opened or applied for in my name or with my social security number. They also advised they can not make the correction with the credit bureau since they do not have anything on file under my information. They stated I needed to dispute it with the credit bureau. 

I then called the credit bureau again and XXXX who I spoke to, advised he would then file a dispute ( XXXX ) but I have not been updated to the status nor has the inquiry been removed from my credit report. 

I have been told by both companies to talk to the other an no one has been helpful. this is unacceptable. I did not authorize any inquiry and n

ow my credit score has been impacted. I have had to place fraud alerts and freezes on my credit to ensure identity theft has n
ot occurred since neither company has been able to give me an answer as to why an inquiry was done without my authorization. 

This inquiry needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
During XXXX, USBANK had a double cash-back promotion with their cash-back deals, when all the purchases made during the promotion period should received double cash-back. 

I made a purchase at XXXX on XX/XX/year> for a total amount of {$110.00}, and I have received the order confirmation from XXXX and transcaction notice from USBANK on the same day. However, I did not receive the advertised extra double cash-back. 

I contacted USBANK customer service, however, the customer service representative XXXX claimed that the transaction date was XX/XX/year>, outside of the promotion period. She was not willing to provide any explaination why the transcation date was different nor review my record on when the purchase was made, and when I received the transcation notice from USBANK, which I think should prove my purchase was eligible for double cash-back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GreenPath, Inc.
State: GA

Complaint narrative:
I have never missed or been late on a payment to XXXX. 

XX/XX/year>, XXXX missed payments for my Target account XX/XX/year>, XXXX missed payments for Target and XXXX  XXXX XX/XX/year>, I called XXXX and asked for assistance. XXXX and XXXX XXXX were both caught up on payments but my XXXX XXXX took a XXXX point hit for late payments. XXXX was unable to help with my XXXX XXXX. 

Wanting to make sure I had written documentation for all conversations at this time, all further messages were through the message portal on XXXX 's website. 

XX/XX/XXXX, asked about missed payment. Followed up on XX/XX/XXXX. No response XX/XX/year>, asked about not getting responses. No response. 
XX/XX/XXXX, asked about no payments being made in XXXX. None. Not a single payment to any of my accounts has been made in more than 30 days. No response Tried calling was on hold for an hour. Message about leaving a call back number but was never given the option to leave a call back number. Tried chatting on the greenpath portal chat bot and got the message " system can not assign agent to the request '' XXXX got a payment from me on XX/XX/XXXX and XX/XX/XXXX but has not made any payments to my creditors in more than 30 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Because of the lack of service from Chase Sapphire we decided to close the card. In late XXXX to early XXXX, l notified tem that their lack of service was unacceptable and that we would like our XXXX dollars reimbursed. We did not receive a response. I spoke to a XXXX XXXX XXXX on XX/XX/XXXX who informed me that the XXXX dollars would be reimbursed in 30 days. Today when l called Saphire and l was informed that it would not be reimbursed because it was past 40 days. 

We would like the XXXX dollars reimbursed as they are ineffective and careless with professional customer service. They have only caused pain and suffering for the last 3 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiries were not and should not be reporting. 
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MI

Complaint narrative:
I am writing to formally request your assistance regarding the reporting practices of Hunter Warfield related to my account number XXXX. 

In XX/XX/year>, this account was closed ; however, Hunter Warfield continues to report this account as past due, claiming that I owe {$3400.00} and that I am over 150 days past due. This reporting is both inaccurate and misleading, and it negatively impacts my credit profile. 
I previously sent a detailed letter to Hunter Warfield addressing these concerns, including a request for documentation to validate the debt and cease reporting on a closed account. Unfortunately, I have not received any compliance or response from them. Here is a summary of the key points from my letter to them : 1. I requested that Hunter Warfield cease reporting this closed account to credit reporting agencies immediately.

2. I asked for specific documentation, including : - A copy of the original contract containing my wet signature.

- A complete payment history from the original creditor.

- Proof that they own or have been assigned this account.

- The name and address of the original debtor associated with this account.

Despite my efforts to communicate, Hunter Warfield has failed to respond or rectify this situation.

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of a debt. Additionally, under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), a furnisher of information must not report inaccurate information to consumer reporting agencies.

Given the lack of response and compliance from Hunter Warfield, I respectfully request that the CFPB investigate their actions and take necessary measures to ensure they cease reporting on my closed account. Furthermore, I ask that any inaccurate information associated with this account be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: LA

Complaint narrative:
I have submitted a complaint about my lender in the past. They sent a letter indicating that everything was resolved, but they did not resolve everything. They actually have a payment being owed for {$90.00}. I do not owe a payment if my student loans are in deferment. School starts again tomorrow. We just got out of school on XX/XX/year> for our XXXX break. I attached the enrollment verification from XXXX. I can submit the enrollment verification for this semester if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This is a formal complaint against PHH, following receipt of correspondence dated XX/XX/year>, received by my person, via USPS, on XX/XX/XXXX and to which I am submitting this response/refutal, the basis of this complaint. The reason for the response/refutal is that said correspondence includes continued, on the part of PHH, misrepresentation of facts, inaccuracies and misleading information, all to the detriment of my person, the borrower, and family. I thank you for the time you spent in responding, well over a month, however, the source ( s ) that provided you with information is/are void of verifiable facts and objectivity. This response is consistent and supports prior borrower responses and submissions. 

This response/refutal clearly presents the facts, all supported by PHH Mortgage Services-generated/issued ( PHH ) documents, all that unquestionably place the responsibility of this situation squarely on PHH, following their violation of notification requirements as required by its own, state and national laws and regulations governing mortgage servicers and further compounding the situation by treating it as if it was the borrowers fault, attempting to free itself from its self-imposed liability and errors. PHH has acknowledged, in writing, in its XX/XX/year> correspondence, that it clearly violated and did not comply with its Temporary Hardship Forebearance Plan Agreement, stating, We acknowledge that no call-out attempts were made to contact the borrower before the end of the plan. Further, PHHs attempt to disengage from its acknowledgement of violation and non-compliance by referencing a XX/XX/year>XXXX  correspondence, is disingenuous and totally misleading as the referenced correspondence was mailed to a third-party that is not a party to the account/mortgage and not personally liable for the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/year> I requested to get these hard inquires off my credit report that is hurting me I did not apply for credit and there where no contract of me signing for these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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:
XX/XX/year> I requested to get these hard inquires off my credit report that is hurting me I did not apply for credit and there where no contract of me signing for these inquiries

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 2025-01-05 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
My personal information was exposed in a data breach. As a result my credit report shows several accounts that doesn't belong to me and would like to have all of these accounts removed from my report. 

According to 15 USC 1681 I'm entitled to these rights Accounts : XXXX XXXX XXXX XXXX {$6000.00} ( Reached out to this community to resolve and they wasn't able to furnish any information nor resolve the account ) National credit Systems {$1800.00} ( Reached out to this community to resolve and they wasn't able to furnish any information nor resolve the account ) XXXX XXXX XXXX  {$840.00} ( Reached out to this community to resolve and they wasn't able to furnish any information nor resolve the account ) XXXX  ( Reached out to this community to resolve and they wasn't able to furnish any information nor resolve the account )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
XXXX, Transunion, and XXXX are reporting inaccurate information.

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 2025-01-05 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: Chime Financial Inc
State: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. There is information on my credit report I do not have knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Asked the companies to share the info they had on theses reports and have not had any response.

Company response to consumer: Closed with explanation