vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of XXXX, I was notified that the limited power of attorney paperwork was not correct. They said it was missing my name at the top. The trouble was, it was prefilled with my name and that of the Co-Title persona name. 

They claimed I didn't fill the name at the top of it out correctly. Lie, it came populated with my name. Then they said it lacked my address. Lie. It came populated with my address. So I looked at what they had in my account for the limited power of attorney. The paperwork was blank. No car information and no notary. So I told them to send me the original paperwork back. They sent me the blank documents with a nasty note. When I called to file a formal complaint, they went through my entire application and verified everything was in order. But, they were going to have an upper manager call me back the next day. The next day came and no call was made. So I called them back. And they didn't call me back because I was going to send them te missing paperwork? And they couldn't send me the paperwork back, showing me they lied, because I didn't have a fax machine at my house! Lies and more lies. Don't do business with them!

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: FL

Complaint narrative:
Reporting inaccurate information and noncompliance. According to 15 U.S.C. 1692c, you have engaged in unlawful communications regarding this debt

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The status is incorrect for the following account XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby insist on a thorough investigation of these items and their subsequent removal from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Any information that the creditor can not validate must be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

I kindly request that you send an updated copy of my credit report to the aforementioned address. Under the provisions of the act, no fee should be charged for this updated report. Furthermore, I would appreciate it if you could notify any parties who have received my credit report in the past six months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter.

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: SD

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The status is incorrect for the following account XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby insist on a thorough investigation of these items and their subsequent removal from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Any information that the creditor can not validate must be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

I kindly request that you send an updated copy of my credit report to the aforementioned address. Under the provisions of the act, no fee should be charged for this updated report. Furthermore, I would appreciate it if you could notify any parties who have received my credit report in the past six months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The status is incorrect for the following account XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby insist on a thorough investigation of these items and their subsequent removal from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Any information that the creditor can not validate must be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

I kindly request that you send an updated copy of my credit report to the aforementioned address. Under the provisions of the act, no fee should be charged for this updated report. Furthermore, I would appreciate it if you could notify any parties who have received my credit report in the past six months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NC

Complaint narrative:
This account was added during the pandemic. I was a victim of data breach where my information was stolen and used without my permission. I had tried numerous times to get Hunter Warfield to provide me with leasing agreements, signatures, contracts etc. they have not responded to any requests by certified mail for over a year now. They have called me at my employer harrassing me. This debt does not belong to me it needs to be deleted.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am formally disputing the following inaccurate and unverified accounts that have been reported across TransUnion, Experian, and Equifax. These accounts are erroneous, falsely reported, and have not been properly validated per the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have identified discrepancies and accounts that I never authorized or agreed to, particularly those from collection agencies that have failed to provide proper validation for the alleged debts.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
I'v had a credit card through Avant since XX/XX/year>. When I signed up there was no annual fee. Now after having this credit card for 2yrs 8mo, I find out they've been charging me an {$8.00} monthly fee since XXXX XXXX2yrs 3mo after opening said account. That's {$44.00} in the past 5 months! This is all happening without me being notified and/or without giving me any reason for this. I literlly have 5 other credit cards and have never heard of this. Let 's not forget when I applied for the Avant Card, I was applying for a card with no annual or monthly fee. I'd like to get all these monthly fees removed and continue with the card as applied for. Thank You, XXXX 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I pulled my credit report and noticed someone opened credit cards with capital one bank. I'M NOT SURE HOW OR WHO OPENED THESE ACCOUNTS. I would like to dispute/and removed these from my credit report. One card was opened in XX/XX/XXXX with a credit limit of {$300.00} which is now closed with a balance of {$580.00}. Second card was opened in XX/XX/XXXX with a credit limit of {$750.00} with and ending balance of XXXX. I reached out to the company to let them no I am not aware of these accounts. I am a victim of identity theft and need help resolving this problem asap. They deny my claim and refuse to assist me. I would like this to be resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION
State: TX

Complaint narrative:
I am filing a formal complaint against Sallie Mae for knowingly misreporting credit information, failing to provide verification of debt ownership, and engaging in unprofessional conduct during my attempts to dispute incorrect reporting. 

Key Issues : Sallie Mae refuses to provide the name of the company they allegedly sold my student loan to, despite reporting " purchased by another lender. '' This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting. 

The charge-off continues to update monthly, making it appear new, which is an illegal re-aging practice. Sallie Mae stated that this will continue happening due to a previous balance, even though the account was charged off years ago. 
My charge-off balance increased from {$7600.00} to over {$10000.00} years after charge-off, which is an illegal practice. A charged-off balance should not be increasing after being closed. 

A Sallie Mae representative engaged in unprofessional behavior during my dispute call, making personal and irrelevant remarks about my degree and financial situation. This was highly inappropriate. The Sallie Mae representative, XXXX XXXX ID # XXXX, made unprofessional and misleading statements, including falsely claiming that charge-offs continue to update indefinitely and that my loan balance can still increase after being charged off and sold. The representative also made inappropriate personal remarks about my financial situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
The cfpb findings indicate that Zelle has neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving my account vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns for the safety of your consumers

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

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian & Equifax 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 : XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX Financial $ XXXX XXXX XXXX  $ XXXX Finance $ 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 $ XXXXCollections : XXXX XXXX  XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX INQUIRES 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries above 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
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian & Equifax 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 : XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX Financial $ XXXX XXXX XXXX  $ XXXX Finance $ 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 $ XXXXCollections : XXXX XXXX  XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX INQUIRES 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries above 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 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: EQUIFAX, INC.
State: TX

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. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
XXXX had falsely claimed I still owe them {$77.00}, which they sent to a collection agency, AWA. This had a negative impact on my credit score.

My bank statement showed that I've made two payments to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which made the policy effective at least until XX/XX/year>. 
After six months into automobile policy with XXXX, I've cancelled it on XX/XX/year>. And on that same day, I started a new auto policy with XXXX XXXX. If there's anything, XXXX owes me a refund.

Company response to consumer: Closed with explanation