vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: PA

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 : INQUIRY : XXXX XXXX  XX/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 this fraudulent account in my report and EQUIFAX 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 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-11-14 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: MS

Complaint narrative:
I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-11-14 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: OH

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries appearing on my credit report. I request that the following accounts and inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : 1. XXXX XXXX XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$150.00} 2. XXXX XXXX XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$2700.00} 3. XXXX  XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$2900.00} 4. XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$1700.00} 5. XXXX XXXX  XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$160.00} Fraudulent Inquiries : 1. XXXX  XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NC

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof you must DELETE that account listed below. 
I demand that the following accounts be validated or DELETED immediately : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting a formal complaint against Navy Federal Credit Union ( NFCU ) for what I believe to be unfair treatment and possible discrimination regarding the handling of my account restriction. 

In 2019, my account was restricted due to a mistake involving the deposit of an incorrect check. Since then, I have taken significant steps to address the issue, including resolving all discrepancies and maintaining positive financial accounts with another institution, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I have even offered references to demonstrate my improved financial responsibility. 

Despite these efforts, Navy Federal has repeatedly refused to lift the restriction on my account. Their recent correspondence cited unsatisfactory account management as the reason but failed to acknowledge the corrective measures I have taken. I feel this decision does not consider my current financial standing and may reflect biased or discriminatory practices, as it denies me access to essential banking services despite my demonstrated improvement. writing to formally escalate my concerns regarding your decision not to lift the restriction on my account ( s ). While I acknowledge past issues from 2019, I have since taken significant steps to correct them, including maintaining a positive financial history with another institution and providing references to demonstrate my progress. 

I feel that this decision, despite my efforts and evidence of improvement, may reflect unfair treatment or discrimination, as I am being denied access to essential banking services. This impacts my ability to manage my finances effectively and raises questions about how my case was evaluated. 

As a result, I will be filing a formal complaint with the XXXX XXXX XXXX to seek further resolution. I hope we can revisit this matter promptly to avoid further action and achieve a fair outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Since XX/XX/year>, the company Caine & Weiner has been calling and emailing to inform me that a debt from a provider I did not know of was due. 
Today received a call from XXXX XXXX insisting on collecting a debt, as I told her I requested a collection letter validation on XX/XX/year> I had never received any evidence from me to use the prover Paysafe.Payment This person called me today saying that Square which is my credit card software had Paysafe and that I owed the same collection to XXXX. Me. 

I've been with XXXX for over XXXX  years without any issues, is impossible for her to say that I owed any services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Hazard insurance was placed on my account by Newrez. As soon as I realized that I was charged approximately {$2300.00} additional on my monthly mortgage auto pay, I called my mortgage company and sent the necessary insurance paperwork. There never was a lapse in my coverage. Additionally, this mortgage was transferred to Newrez ( they were not the original company I started the mortgage with ). I had already made payments for over a year and there no change in my insurance company. My yearly cost of insurance is {$1000.00} but Newrez attempted to charge me {$28000.00} annually. They have already billed me {$5200.00} on XXXX. My normal payment is {$2800.00}. Now they are requesting {$5200.00} on XXXX even though they have the correct information. I do not wish to default on any payments but These charges and the amounts appear predatory and I would like a full refund.

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 2024-11-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i WOULD LIKE TO DELETE THE FOLLOWING ACCOUNTS AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME XXXX XXXX  ( XXXX ) OPENED XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint against Capital One regarding their handling of a charge dispute following my dissatisfaction with a digital product and prompt contract cancellation. Despite my efforts to resolve this issue, Capital One has not adequately addressed my concerns. 

I entered into a {$6000.00} contract with XXXX XXXX company, facilitated through XXXX, for digital services and workshops. This total was divided as follows : {$2000.00} charged to my Capital One credit card. 
{$4000.00} financed through XXXX via XXXX. 

On XX/XX/year>, I canceled the contract after quickly realizing the product did not meet my needs or expectations. I did not engage with the product in any substantial way, as I found it disappointing and unsuitable. Following my cancellation : The {$4000.00} financed through XXXX was refunded by XXXX. 
The {$2000.00} charged to my Capital One card remains unrefunded, despite my documented withdrawal. 

Capital One denied my dispute, stating that the merchant provided access logs as evidence of my usage, which I firmly contest. I am now being asked to prove that I did not access or use the productan unreasonable request, as it is inherently challenging for a consumer to prove non-usage. I have provided all available documentation, including my cancellation confirmation and partial refund from XXXX, to support my position. 

My main points of concern are : 1. Dissatisfaction with the Product : The product did not meet promised standards or my expectations, and I quickly canceled as a result. I derived no significant value from it.

2. Minimal or No Usage : My brief initial review led to an immediate cancellation, and I did not use or engage with the content meaningfully. The merchants evidence is inconclusive in proving my personal access, and Capital One has not sufficiently considered my prompt withdrawal from the service. 
3. Unfair Burden of Proof : Capital Ones request that I provide proof of non-access is inherently challenging and not a reasonable expectation for consumers, especially given the quick cancellation and partial refund. 

I am including relevant documentation with this letter, including my contract cancellation confirmation, proof of the {$4000.00} refund from XXXX, and correspondence about the {$2000.00} charge. 

I am seeking the CFPBs assistance in ensuring that Capital One fairly considers this dispute and fulfills its obligation to protect consumers, especially in cases of dissatisfaction with a digital product. Given my documented cancellation and minimal usage, I believe I am entitled to a refund of the {$2000.00} charged to my Capital One card. 

Thank you for your attention to this matter, and I hope the CFPB can support a fair review by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries appearing on my credit report. I request that the following accounts and inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$150.00} XXXX. XXXX XXXX XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$2700.00} XXXX. Mobiloans XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$2900.00} XXXX. XXXX Account No. XXXX, Opened on XX/XX/XXXX, Balance : {$1700.00} XXXX. XXXX XXXX XXXXXXXX Account No. XXXX, Opened on XX/XX/XXXX, XXXX : {$160.00} Fraudulent Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I entered into an agreement with Midland Credit Management ( a debt collection agency ) to pay off the credit card debt ( {$880.00} ) I had from XXXX XXXX Bank. The original account was charged off in XX/XX/XXXX. 
MCM and myself contracted for me to make {$90.00} payments weekly, with a XXXX time payment of {$200.00} on XX/XX/XXXX, making my last payment of {$53.00} on the XXXX of XXXX. I made my first payment to MCM on XX/XX/XXXX, and others on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I would have paid the final payment the same day, but they had not finished processing the {$90.00} scheduled payment, so I deferred payment until XX/XX/XXXX, but they didn't process it until XXXX days later. 
I have fully paid off the {$880.00} balance, however, XXXX reported to the credit bureaus TODAY ( XX/XX/XXXX ) that I still have a {$140.00} balance to pay off. MCM has not sent my paid off letter, has not reported that payments have been made, only that the balance has decreased, and even there, they have reported falsely twice since I initiated contact with them. In XXXX they reported I had a {$220.00} balance still, but at the time, it was already down to {$140.00} still owed on the account. What's more is that I was directly refused any type of receipt of payment from MCM, from XXXX different agents. They use false names over the phone as well, XXXX XXXX, I would imagine, is capable of speaking proper English in dialect that reflects the culture of the name, I find it hard to believe that a XXXX woman would be named XXXX, much less use the surname XXXX, as if it were from a cartoon. I am unsure what to do in this instance, as this is greatly effecting my chances for approval on a XXXX  XXXX XXXX, and i desperately need the XXXX points added to my XXXX for payment in full. I have included the original account and amount, as well as screenshots from my banking websites that show the payments made to MCM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON 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 explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/year> - {$00.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief