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

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

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 2025-01-01 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-01 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: TX

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Account involved in it litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open collection account with a limit. Please remove the following accounts from the credit report : 1 XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report 2. XXXX XXXX Account Number : XXXX Please remove it from my credit report 3. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 4. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 5. XXXX XXXX Account Number : XXXX Please remove it from my credit report 6. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 7. XXXX XXXX Account Number : XXXX Please remove it from my credit report 8.XXXX XXXX Account Number : XXXX Please remove it from my credit report 9. XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 10. XXXX Account Number : XXXX Please remove it from my credit report 11. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 12XXXXXXXX XXXX Date Of Inquiry : XX/XX/XXXX 13. XXXX XXXX Date Of Inquiry : XX/XX/XXXX 14. XXXX XXXX Date Of Inquiry : XX/XX/XXXX 15. XXXX Date Of Inquiry : XX/XX/XXXX 16. XXXX Date Of Inquiry : XX/XX/XXXX 17. XXXX XXXX Date Of Inquiry : XX/XX/XXXX 15 U.S.C 1681 Section 602 A. States any consumer has the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without prior consumer 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian credit report membership which cost {$24.00} a month starts with 1 week free.

Experian makes subscribing possible with one click right from their landing page when you go to experian.com Cancelling was so much work I had to search XXXX for someone complaining and then find a comment that explained how. 

To cancel I had to do the following steps from their web page... 

SCROLL to the bottom of the web page and CLICK " support '' Then click " Help center '' that drops down after that. ( This is down right unethical because there are no other options besides help center under support, it is solely an extra and unnecessary click, with the intent to sow confusion and get people XXXX lost ) From help center page scroll down to membership under browse by topic, click " membership '' From membership click " membership details '' From membership details click the pink " Manage membership plan '' From there you can cancel, I can't remember or repeat the last steps because I'm already cancelled ... .but that was the most of it and it should be easy from there.

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 2025-01-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I want to highlight that the collection agency has failed to provide validation of the alleged debt within the timeframe required by the Fair Debt Collection Practices Act ( FDCPA ). Despite their repeated claims that they are working on it, more than 60 days have passed since my initial request, which exceeds a reasonable period for validation. 

Under the FDCPA, a debt collector must provide proper validation of the debt upon request before continuing any collection activities. Their failure to do so indicates they lack the necessary documentation to substantiate the debt, yet they continue to communicate with me, which is both misleading and unlawful. 

I kindly ask the CFPB to take further action, as their lack of compliance undermines the purpose of the FDCPA and causes unnecessary stress. I also reserve my right to dispute this debt further or pursue legal remedies if this issue persists. 

Thank you for your assistance in holding this agency accountable.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: NC

Complaint narrative:
Every single alleged account that Is reporting on my consumer report is incorrect and needs to be removed. Every negative alleged account is reporting inaccurately, and erroneous which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting incorrectly. Please have them do a full complete investigation on my credit report, please dont just have them do it by eoscar, my life is depending on my good credit. Every account is unauthorized.

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 2025-01-01 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: MT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MD

Complaint narrative:
Chime XXXX powered by XXXXXXXX XXXX XXXX XXXX XXXX defrauded me on XX/XX/XXXX by penalizing me ( - {$32.00} ) without any actual financial violation committed by myself nor any accounting record to justify the overdraft penalty. The customer service reps sought to gaslight me the primary accountholder and fabricate illogical fallacies & mathematical impossible scenarios as a reason for the negative balance in my Checking account which was not in the negative prior to the midnight ( XX/XX/XXXX ). All my purchases the day prior ( XX/XX/XXXX ) were debit and paid-in-full with sufficient balance in checking accounts funded by my Savings account prior to transactional charges. And these foreign-accent sounding reps were heard laughing in the background whike listening in to my complaint. They were behaving like XXXX XXXX. Insulting my intelligence and disregarding the transactional facts recorded in my account transaction list ; which proves the existence of the egregious error of an embedded malicious algorithm programmed to place accountholders in the " red '' injustifiably & irregardless of real cause. There is & was no actual financial violation committed by the accountholder. I am a victim of financial institutional skimming, a petty & subtle financial fraud practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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:
I discovered several unauthorized inquiries on my credit report that do not belong to me. Upon contacting each business associated with the inquiries, they confirmed they have no record of an application or contract tied to my name. I followed up by disputing these inaccuracies with [ insert credit bureau ( s ) here ], providing supporting evidence. Despite this, the inquiries were not removed from my credit report. It has been over 90 days! 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, credit bureaus are required to conduct a timely and thorough reinvestigation of disputed items and correct or delete any unverifiable or inaccurate information. Additionally, under 15 U.S. Code 1681b ( f ), a credit report may only be accessed with a permissible purpose. The presence of these inquiries without authorization violates these provisions.

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

Complaint narrative:
In XXXX or XXXX, I received emails showing someone had made XXXX and XXXX payment and updated my contact information, email and etc and requested a new credit card. Capital one locked my account due to fraud. The XXXX payment went through, and I called in that morning and told them it was fraud. Cap1 said they knew and locked my account, but they could not " unlock it '' or provide any details until i sent them my ID social Secuity card and proof of residency. In the meantime, I called XXXX as well and asked them to look into the payment because it was unauthorized. I was told I owed XXXX and XXXX etc. I started making payments via certified funds to Cap1 because I did not trust them with account information. XXXX said I had to work with Merchant. I sent in that the information to capital one in XXXX. Thay said they put in a case to return the money. I called in XX/XX/XXXX and was told that they would put in a case because she didn't see one. I waited on hold and then she said came back and said she can't put in a case, and I can't have the money returned because I owed them my full balance. I have not received anything saying I owed them the full balance. She said that I owed them the full XXXX balance and they deactivated my credit card. I said I haven't been getting statements or anything from them and she began to repeat. They sent me a new card I activated it and they deactivated it the next day. They can not return the unauthorized payment because it was from my account apparently and I owe them the full balance now and they will not send a new card out until I pay the full balance .... They ( XXXX and Capital one ) will not send me any of this in writing and I've asked for that as well. I've asked XXXX as well if they can send whatever documents they used to determine I need to work with capital one because " I authorized the payment '' and they said I would have to sue them for the documents ( XXXX Fraud Supervisor ). I said in the letter you sent it says I have the right to those documents and he said " you do if you file in court ''. They also kept saying ( i made the payment when speaking with Capital one ) and I kept correcting them no I did not make that payment please refer to it as the unauthorized payment. Where are my statements? I told them I haven't received one since you took over the account from XXXX ... She said that they send them, and I asked where and she wouldn't say. They won't restore online access. I have not received any statements, but they expect me to keep paying blindly. Why steal XXXX from me when you flagged it as fraud and then do all this? I've requested statements and I don't receive anything.

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

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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 2025-01-01 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaucomplaineds, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2025-01-01 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My personal information was wrongfully disclosed resulting in a data breach of my personal data. I have attempted to dispute several accounts since 2020 that have appeared on my report and continue to suffer from the breach of my information.

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

Complaint narrative:
This is in violation of my rights reporting this account on my credit. I have a right to my privacy. 15 US Code 1681 ( a ) ( 4 ). There is no need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. There has been lack of supporting evidence. I have not received any credible documentary evidence proving this information is valid. Compliance with FCRA mandates necessitates the prompt removal of unverified information. The bankruptcy on my credit report is inaccurate. This information is damaging my creditworthiness and causing financial harm.

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 2025-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
This is a follow up to a previous complaint that was closed to a lack of response on my end ( Complaint No. XXXX ). My father passed away and my mother-in-law passed away all within a few months of each other and I let this issue move to the back burner. 

The response provided by the company ( NewRez ) in this complaint didn't address my concern at all. My two main issues were that the policy that they claim doesn't allow a home to be given a value has not been provided and that even if a home is under renovation, it still has a value.

As mentioned in the NewRez response, the requirements of the PMI cancellation don't have anything to do with a home 's condition, only its value and the payment status, both of which allowed me to qualify for the removal of PMI. I feel that NewRez is intentionally avoiding addressing these main issues as they want to continue to charge me for PMI that is not required.

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 2025-01-01 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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