vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: National Credit Systems,Inc.
State: MN

Complaint narrative:
To Whom It May Concern : My consumer report contains data that was obtained through identity theft. I didn't give explicit written consent or instructions for the transactions in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. I did not make a factual misrepresentation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions. 

The transactions that have been detected don't pertain to any transactions that I, the consumer, have made : XXXX XXXX XXXX {$2700.00} 2. National Credit System {$3500.00} 3. Hard inquiries Within five days after the transaction, you must comply with my request and prevent these transactions from being included in my consumer report. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Account Information Dear XXXX XXXX XXXX XXXX XXXX , I am writing regarding the account associated with the following details : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX .... 

I am not disputing this account but am requesting clarification and documentation for my records. Specifically, I would like to request the following information : 1. The date of first delinquency for this account.

2. The date of the last payment made on this account.

3. The date of the charge-off for this account. 

Please provide this information at your earliest convenience. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your time and assistance. 

Sincerely, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: DSR HOLDINGS GROUP, LLC
State: GA

Complaint narrative:
Repeated calls. I asked for constant to stop and send info via mail. Repeated texts from multiple different numbers. They say the only way I can get them to stop calling and texting me is to give them my full name, address, and full social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX charged my card 2 times in the amount of {$1500.00}. I did not authorize this at all. 1 charge dropped off however another charge of {$1500.00} actually posted to my account. I did not authorize nor did I receive any merchandise. I have filed a claim with Bank Of America ( claim number XXXX ) who has repeatedly denied my claim for reimbursement. They sent me a statement of charges which shows the charge but thats not the issue. The issue is I never authorized nor did I receive any merchandise. I have made a police report with XXXX XXXX XXXX XXXX which I will upload. I faxed over this police report to Bank of America as well and have a confirmation but they are saying they do not have ( see fax confirmation uploaded ). I also went inside my local Bank of America Branch and an employee faxed over ( see business card ). Bank of America is playing and refusing to give me my money back knowing I did not authorize!

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 2025-01-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper is not expecting my homeowners insurance saying it does not recognize the company rating. When asked what company is accept per the policy they say I have to ask before buying coverage who I'm allowed to get insurance through. Which is not fair what am I supposed to do call everytime and wait to get an answer The company they are denying is California casualty in which I get my auto insurance through and want to use for multiplicity discount. My old mortgage lender accepted this company before selling my mortgage to Mr Cooper I didn't give Mr Cooper the permission to buy my mortgage so why should they give me the permission on who I can use for insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Ive filed many disputes with them telling them that the accounts are not mine but they continue to hold me accountable for them and they have derogatory remarks on my credit report my younger sister come to find out used my SS # for credit cards, rent a apartment in XXXX on XXXX XXXX XXXX XXXX and open a banking account she also lived at my parents house which was the XXXX XXXX XXXX and at 1 time lived at XXXX XXXX but was unit XXXX as I was unit XXXX before she was evicted due to drugs and non payment of rent shes used my sons, mothers and her daughters ss # as well to open fraudulent accounts also she fell sick in XXXX and passed in XXXX when I purchased my car in early in XXXX nothing was ever said to me but the finance amount was small when i went to move later that year was when everything exploded and I found out about it I dont know if she had someone else that was working with her because Im still to this day having non stop fraudulent charges constantly just recently I looked up two stores online and have fraudulent charges on my credit card for them and Ive never been there I need help they said that the cards were activated by a phone number in my name well that was easy for her she was on probation had no credit so her cell phone was under my XXXX account at the time of course she had everything that she needed to make sure that it was all accessible to her and I dont know how to fix this

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 2025-01-04 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Ive filed many disputes with them telling them that the accounts are not mine but they continue to hold me accountable for them and they have derogatory remarks on my credit report my younger sister come to find out used my SS # for credit cards, rent a apartment in XXXX on XXXX XXXX XXXX XXXX and open a banking account she also lived at my parents house which was the XXXX XXXX XXXX and at 1 time lived at XXXX XXXX but was unit XXXX as I was unit XXXX before she was evicted due to drugs and non payment of rent shes used my sons, mothers and her daughters ss # as well to open fraudulent accounts also she fell sick in XXXX and passed in XXXX when I purchased my car in early in XXXX nothing was ever said to me but the finance amount was small when i went to move later that year was when everything exploded and I found out about it I dont know if she had someone else that was working with her because Im still to this day having non stop fraudulent charges constantly just recently I looked up two stores online and have fraudulent charges on my credit card for them and Ive never been there I need help they said that the cards were activated by a phone number in my name well that was easy for her she was on probation had no credit so her cell phone was under my XXXX account at the time of course she had everything that she needed to make sure that it was all accessible to her and I dont know how to fix this

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 2025-01-04 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: PA

Complaint narrative:
This morning, I discovered inaccurate accounts on my credit report, and Im completely at a loss as to why this is happening. I routinely check my credit report, and its always been fine until now. I even refreshed my browser, hoping it was just a technical glitch, but nothing changed. These accounts are still there, and I feel so overwhelmed. I beg you to thoroughly review the documents Ive sent so that I can finally put this behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Village Capital & Investment LLC
State: LA

Complaint narrative:
I checked with my existing mortgage holder, Village Capital, regarding doing a VA Interest Rate Reduction Loan ( IRRL ) on my existing loan. The loan terms presented were unfavorable, offering me approximately XXXX dollars of savings a month with no recoupment, given the addition of closing costs. Village Capital made six phone calls to steer me into refinancing, but I had to flatly refuse their final phone call as they were getting pushy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$710.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. 
Please send me an updated copy of my credit report after your reinvestigation. 
XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: PA

Complaint narrative:
When I checked my credit report today, I was shocked to see accounts I dont recognize. I cant understand why this is happening since Ive always kept track of my report. I tried refreshing the page multiple times, hoping it was an error, but the accounts stayed there. Im pleading with you to carefully examine the documents Ive provided so I can stop feeling this constant XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Please let me know what is service I own you? I don't remember when?..

2 address debit collection.. I never do it.

I need you help me ..remember. What is I own you?. Or someone do that ..not me..

Thankyou

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XXXX XXXX, I was trying to pay my rent. I went to a XXXX XXXX ATM inside of a grocery store to withdraw {$420.00} from my Navy Federal checking account when I tried to withdraw the money from the ATM the ATM slot that dispenses the money broke and it would not open so that I can receive my cash and the withdrawal balance had already came out of my Navy Federal account. I contacted both schools first and Navy Federal and immediately disputed the charge, Navy Federal then credited my account with a {$420.00} temporary credit until they could investigate the incident. After the investigation was complete, Navy Federal then wrongfully decided that I benefited from the transaction when I in fact did not benefit from the transaction and they took the {$420.00} credit back which I had already used to pay my rent so now my account was at a - {$420.00} when it shouldve just been XXXX so they were asking me to pay them back the {$420.00}. I was unable to pay them back the {$420.00}. They called my phone multiple times asking me to pay back the negative balance and when i went to the bank in person they asked me to just pay back the negative balance after they wrongly accused me of lying about my malfunctioned ATM withdrawal I am impoverished and I can not afford to pay them back I believe the account went to collections, but the claim was never settled, I disputed the claim as many times as I could before they just closed me claim altogether and I believe Navy Federal was very negligent and wrong for denying my claim of {$420.00} after I went back-and-forth with the banks for months and in person and over the phone through emails through messages, Anyway I could contact them about the decision they made about my claim being that I benefited from the transaction made on XXXX XXXX XXXX of withdrawal of {$420.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer 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