vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MD

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 explanation
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc.
State: CA

Complaint narrative:
My employer ( XXXX ) uses onbe XXXX XXXX XXXX XXXXonbe.XXXX  ) to issue employee reward. 

I never received the debit card, and never activated the card. When I called the customer service on XX/XX/XXXX, they provided a transaction list, that showed several fraud transactions in XXXX in XX/XX/XXXX and more than {$1500.00} was stolen. 

Customer service asked me to send them a mail to report the fraud transactions, and then, they can start the investigation. However, they deliberate delay the process, and on XX/XX/XXXX, they denied the fraud claim because the amount of time that has elapsed since this charge ( s ) was first billed to my account.

This is an irresponsible decision because : 1. I never received the debit card, and I never activated the card. The fraud transactions happened in a city where I never been. Onbe bears the responsibility of information leaking.

2. Onbe doesnt provide online banking. The customer can only check the balance by the card number. However, I never received the card, there is no way for me to monitor the balance.

3. Onbe never sent me any statement.

4. After I reported the fraud transactions, onbe was indifference and dogmatism.

a. They claimed never received my mail, however, I have USPS tracking number that shows the mail was already delivered on XX/XX/XXXX. They rejected to try to find it out in their shipping office, ignored the tracking number, only told me their policy is waiting 15 business days.

b. At the 15 business days, customer service told me continue to wait until to 20 business days. Then, they will let me know a new flow which can make the progress faster. 
c. At the XXXX business day, customer service told me the new process was sending them a new mail. 
d. I sent them a new mail, and then, the same story repeated. They claimed did not receive it, and asked me to wait 20 days. 
e. After calling customer service several times, they asked me to send Fax. 
f. The same story repeated. They claimed didnt receive the Fax. 
g. I have the USPS tracking number and Fax log as the evidence to show they received the mail and Fax. Not receiving the mail was a just excuse to delay the investigation and deny the compensation. It is teasing customers and abusing of law. 

The e-mails with the customer service were attached. I also called Onbe many times. They have the record for all the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have filled out a report to clarify the incorrect information that has been sent by the credit bureau through my email. I am writing to formally dispute an error on my credit card statement. I have requested a further investigation regarding this matter, but the problem became disregarded by the company. I appreciate your prompt attention regarding this matter.In addition, I would like a confirmation receipt to keep me notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CL Holdings LLC
State: OH

Complaint narrative:
There was a beach and my ssn exposed. There are XXXX plus on my credit and I ask for the contact, with none to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to the Bureaus, yet these inquiries still appeared on my current 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX of XXXX I made a payment for XXXX dollars on my car note for the month of XXXX and XXXX. My car note is XXXX per month. In XXXX I had a late fee waived for {$50.00} well I thought it was waived. But when I signed to view my account today my bill is XXXX they kept the XXXX dollar late fee and added an additional XXXX late fee. On XX/XX/XXXX I spoke with someone about my pay off amount and late fees. I was told the late fees would be removed and I was also told my payoff amount was higher than what I was told back in XXXX of what my pay off amount is. I can never get a XXXX on the phone and they have no one there that speaks fluent XXXX. I just spoke with someone and the lady told me they have a new policy where they can only waive XXXX fee per year. I asked her can I get that sent to my email or where is it on the site about that policy because I have had my car since XXXX and never heard of this. So my request was never granted because I had a late fee removal back in XXXX! Even tho this is an entirely new year this just doesnt make since to me I feel like they are stealing from me and no one is confident when you speak to them over the phone its almost as if they dont even know there job they basically are telling me the same thing I can see on my end from my account. Im being lied to and Santander USA are definitely stealing money from me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Creditor refused to remove charge-off after paying the debt due to their XXXX XXXX XXXX XXXX XXXX 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 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-04 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-04 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:
Remove these unauthorized inquiries EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
Remove these unauthorized inquiries EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2025-03-04 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: CO

Complaint narrative:
THE COMPANY XXXX XXXX XXXX XXXX. IS REPORTING INFORMATION XXXX IS NOT BELOWN TO ME.I check my credit report and find information is not below to me and is affecting my credit score. please help me to remove inmidiatly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NE

Complaint narrative:
I would like to file an FTC report asking that all negative items be removed from my credit report based on the fact that my credit information was leaked during a 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 2025-03-04 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: NY

Complaint narrative:
XXXX XXXX XXXX - We agreed to pay for deletion and it still showing on my report even though this payment was completed months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX - We agreed to pay for deletion and it still showing on my report even though this payment was completed months ago.

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 2025-03-04 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: NY

Complaint narrative:
Subject : Unauthorized Credit Inquiry and Unethical Financial Practices by XXXX XXXX at XXXX XXXX XX/XX/year> To Whom It May Concern, I am filing a complaint regarding an unauthorized credit inquiry conducted by XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY XXXX, on XX/XX/year> in violation of the Fair Credit Reporting Act ( FCRA ). 

I visited XXXX XXXX for a consultation regarding XXXX  XXXX. During my visit, I repeatedly requested a full breakdown of the procedures total cost, including what my insurance would cover and my out-of-pocket expenses. 

XXXX XXXX brought me to a young lady, stating she would provide this information and verify my insurance. However, it was at this point that a hard credit inquiry was conducted without my consent. 

I immediately returned to XXXX XXXX and expressed my concern, telling him that I did not want my credit run and that I needed a full breakdown of the surgerys cost. Every time I asked if he would verify the costs with my insurance, he repeatedly responded with Do you have {$2500.00}? 

This led me to believe that he would not even attempt to verify the insurance unless I paid this amount upfront. I am unsure where this arbitrary {$2500.00} figure came from, as it was never explained. 

At no point did I agree to any financing, payment plan, or credit check. Despite this, XXXX XXXX office ran a hard credit inquiry without my authorization, which will negatively impact my credit report. 

This practice is unethical and potentially fraudulent. Patients should not be subjected to unauthorized credit checks or financial commitments when simply seeking basic information about a procedure. 

I am concerned that XXXX XXXX may be engaging in similar behavior with other patients.

I request that : 1 This unauthorized credit inquiry be removed from my credit report immediately. 

XXXX XXXX XXXX and XXXX XXXX be investigated for potential FCRA violations and deceptive financial practices. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional details. 
Sincerely, XXXX 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 2025-03-04 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: NV

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity. 
The fraudulent account and inquiries are listed below : Transunion : XXXX ( Original Creditor : XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$150000.00} Fraudulent Inquiries : XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was incarcerated from XX/XX/XXXX to XX/XX/XXXX during this time I believe it was XXXX but for some reason on the report it claims XX/XX/XXXX which is not accurate someone opened a credit card in my name with a balance of {$910.00} and let it go to collections this was not me I have never owned a credit card untill XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My lawyer XXXX XXXX XXXX. Contacted midland collections. We came upon an agreement to pay on the XXXX of every month. I was told that I can send my payment in three different ways telephone, mail and online payment. After trying to log in on. XX/XX/25 I was told that I could not make a payment online it was refused by their website along with the wrong information upon the settlement. After calling in on XX/XX/25 again being refused to make a payment online I was told by a representative that I can make the payment by phone. After trying to make this payment over the phone my payment was refused again. I have contacted my lawyer and they have not gotten back with me. But, this is by far unfair practices. I am not able to make a payment online or telephone. And they explain to me that I would not be able to get a receipt. And that my lawyer would be the only people getting a receipt. Also in my screenshot you will see that the debt amount is wrong and they were charging before agreement was made. This is frustrating. 


Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX 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 2025-03-04 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: IL

Complaint narrative:
Im extremely frustrated by the errors on my report that are unfairly damaging my scores and limiting my opportunities. These mistakes have already led to unnecessary rejections and financial setbacks.

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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief