vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: Roadrunner Account Services, LLC
State: GA

Complaint narrative:
XXXX Account XXXX This balance was paid off through a debt collector. The original balance owed was {$1700.00} and I was able to negotiate my debt amount down to {$840.00}. I no longer owe anything on this balance. 
XXXX XXXX XXXX XXXX Account Ending In XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX from XXXX to XXXX XXXX, Monday My last payment to Roadrunner Financial Inc was XX/XX/XXXX XXXX The account was placed with XXXX XXXX XXXX XX/XX/XXXX. My last payment to XXXX was XX/XX/XXXX. My monthly payments were around {$73.00} a month to pay off the negotiated balance of {$840.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: StellarFinance, Inc.
State: CA

Complaint narrative:
An account was opened with StellarFi without my consent, and the company was not authorized to take payments from my account. Despite this, I have been charged an outstanding balance of {$50.00}, which includes : XXXX XXXX : {$0.00} on XX/XX/XXXX Progressive : {$50.00} on XX/XX/XXXX I do not have an account with Progressive, and I informed StellarFi of this via email in 2023. Additionally, I have been emailing the company for over a year requesting that they close the unauthorized account, remove the charges, and correct any negative late payment reports on my credit file. However, they have failed to act on these requests. 

Actions taken by me : Contacted StellarFis member support to dispute the unauthorized account and charges. 
Informed them via email in 2023 that I do not have an account with XXXX and asked them to remove the charges related to it. 
Requested documentation showing how and when the account was opened, as well as proof of authorization for the transactions. 
Actions taken by the company : Paused the account but continued to report an outstanding balance of {$50.00}. 
Failed to address my repeated requests to close the account, remove charges, and correct the negative reports on my credit file. 
I am seeking immediate resolution of this issue, including : Closure of the unauthorized account.

Removal of all charges and any associated negative payment reports. 
Written confirmation that my credit file will be corrected and no further actions will be taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Penfed credit union denied me my title with after my car was repossessed but gotten out of repossession which then I couldnt register the title for a year, couldnt drive the car and they put it back in repossession and charged it off on my credit report.. I would like the account removed off my credit report as promised..

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I got a email from Capital one business about referral bonus of {$1000.00} per referred account after approval upto XXXX referrals. 
In last week of XXXX i referred a business account, which got approved for Capital one business XXXX XXXX card with annual fee of {$390.00}. 

I received a letter dated XX/XX/XXXX in first week of XXXX to verification of EIN of my business corp. with wrong last four digit of my card. When i came back from overseas trip on XX/XX/XXXX, I talked to capital one customer service Rep. she advised me to cross out wrong last 4 digit and put right 4 last digit and fax those with EIN verification documents. 
On XX/XX/XXXX at XXXX clock am I faxed capital one letter with verification documents and i also mailed one copy to address mention on letter. 
Even after sending everything capital one had my card restricted. Yesterday I checked capital one has closed my business card without issuing my referral bonus of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MD

Complaint narrative:
I have falling victim of identity theft and have accounts under my name that do not belong to me. i want this matter resolved and these accounts removed and deleted from my report on XXXX. 

Kindly remove these accounts they do not belong to me. Please help me please delete these accounts XXXX  Account Number : XXXX Total fraudulent amount : {$360.00} XXXX  Account Number : XXXX Total fraudulent amount : {$170000.00} XXXX XXXX  Account Number : XXXX Total fraudulent amount : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: UPGRADE, INC.
State: FL

Complaint narrative:
Verification of Charge-Off and 1099-C for account # XXXX, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-C for the account associated with the reference number Account XXXX. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question. 2. Details regarding the amount of the charge-off. 3. The date on which the charge-off was officially recorded. Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. If the company doesn't have these documents requested for deletion from all major credit reporting agencies immediately within XXXX business days. If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. Thank you for your cooperation in providing the necessary documentation for this verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Denefits LLC
State: FL

Complaint narrative:
I hired this credit repair company by the name of XXXX XXXX ( XXXX XXXX ) to work on my credit and they have not given me the results i wanted..NOT TO MENTION when I asked my agent " XXXX '' to assist me and explain what was the updates on my credit report she wouldn't give straight foward answers and not to mention she was very rude and at some point she hunged up in my face!! they promised me a-lot of things and now I am being sued from a credit card company because of these guys. There is never a way to get in contact with them whats so ever and they had me under a third part name Denefits for a contract that I was not aware of by the way.. If I didn't pay them at all they would've basically put it on my credit as collections. I am so disgusted with this company they truly need to be fully investigated. I heard from others on social media that the guy that owns this company is a scammer and being investigated with the feds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit Ri Act ( FCRA ) to conduct a reasonable reinvestigation of disputed inform credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-14 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:
15 USC 1681 my information has been apart of a security breach and its altered my life drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I accidentally sent money to the wrong person because there was no confirmation if for sending it or no and wasnt able to get my money 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 2025-01-14 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TN

Complaint narrative:
XX/XX/year> letters were sent to all three credit bureaus asking to investigate accounts that does not belong to me. 

XXXX XXXX for the amount XXXX XXXX  for the amount of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TN

Complaint narrative:
XX/XX/year> letters were sent to all three credit bureaus asking to investigate accounts that does not belong to me. 

XXXX XXXX for the amount XXXX XXXX  for the amount of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Had my identity stolen in 2019 and Ive been trying to dispute any credit debt under my name because I have never owned a credit card in my life. I do get PINS sent every year for income taxes but I can not get the debt off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Money was sent to the incorrect recipient through XXXX and money was unable to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICESCOLLECTIONS company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Zelle failed to notify me money was received to my account. My friend XXXX sent me {$720.00} dollar on XXXX XXXX, XXXX. Zelle sent me a text message confirming this until XX/XX/year> XXXX. This is more the two hour difference, which there is no specification on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 
Transunion Accounts 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 XXXXXXXX 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 XXXXXXXX Amount : {$680.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.

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 2025-01-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE XXXX Correction to my personal information Dear Equifax, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect name and address. 


Incorrect adress : XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Experian failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverified accounts on my credit report. I am requesting to have the disputed accounts immediately removed from my credit report, as Experian 's inaction violated federal law and my rights as a consumer.

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 2025-01-15 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: CA

Complaint narrative:
My Ex Boyfriend got a bunch of stuff in my name that I want to be taken off my 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 non-monetary relief
Consumer complaint received 2025-01-15 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: CA

Complaint narrative:
My Ex Boyfriend got a bunch of stuff in my name that I want to be taken off my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
Early 2024, I had a car hit me and I needed a detail service done. I had exchanged numbers with the person who hit me so he could send me a payment for my car to get detailed and fixed. When the guy who hit me send me the money into my account, I later on sent the money back to him, but it was meant to be for the person who was detailing my car to fix the scratches and chipped paint. He stopped responding after and I lost my {$400.00}. When contacting the support center they could not assist and it would be through my bank. But XXXX XXXX  was later not able to dispute it. No warning labels

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief