vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I want them to accurately report on my credit. The account was in forbearance/deferment and it was incorrectly reported as late payments which it wasnt supposed to be and the house was sold on XX/XX/XXXX! And on top of all the incorrect reports theyve made they are still reporting that the balance increased on XX/XX/XXXX. There is no loan! I specifically called this company on XX/XX/XXXX because it has been a horrible experience with them and the representative confirmed that it was paid in full and I will receive a check for the extra money. I received an email on XX/XX/XXXX stating that my loan balance increased, there is no loan!! Why are they still reporting incorrectly!?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and Experian due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, XXXX, XXXX, and Experian failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. My credit has been lowered so many different times this year and has had so much negative impact due to false debt or wrong debt and ive disputed countless of times and talked to every company and nothing changes. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements Regulation E. I have been harrassed and threatened several times a day. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

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 2025-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MD

Complaint narrative:
XX/XX/year> The company released me from my contract due to poor service. They checked all of the zip codes and agreed I did not have good service. I was told to wait for a package in the mail for my returns. I had XXXX cellphone and XXXX tablet. 

I received a box for the phone and not for the tablet. I then called to ask for a box and they said they will send it. XXXX weeks later nothing was sent. 

I called again and was sent to XXXX different people all stating that they cant just send a box. I asked for an address to send the tablet and they stated that Its not something I can send in without postage from XXXX. 
I asked if I could go to a store to drop it off and was told that I could not. I called every week and no one could help. I still have the tablet and could not send it. But they are charging me for a product they would not help me send back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: AL

Complaint narrative:
I am writing to formally request the deletion of all information from my credit report following the recent data breach that has affected my personal information. As you are aware, the security of my personal data is paramount, and I believe that the information now included in my credit report may have been compromised as a result of the breach.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the deletion of any and all negative or erroneous information resulting from the data breach from my credit report. This includes any accounts, inquiries, or other data that were impacted by the breach and are inaccurate or improperly reported. 

Additionally, in light of the breach, I respectfully request that you conduct a thorough investigation into my credit file to ensure that no fraudulent or incorrect data remains of my credit history. 

Please confirm the deletion of the impacted information from my credit report within the required XXXX period, and provide me with a written confirmation that the necessary actions have been taken. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2025-01-30 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: AL

Complaint narrative:
I am writing to formally request the deletion of all information from my credit report following the recent data breach that has affected my personal information. As you are aware, the security of my personal data is paramount, and I believe that the information now included in my credit report may have been compromised as a result of the breach. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the deletion of any and all negative or erroneous information resulting from the data breach from my credit report. This includes any accounts, inquiries, or other data that were impacted by the breach and are inaccurate or improperly reported.

Additionally, in light of the breach, I respectfully request that you conduct a thorough investigation into my credit file to ensure that no fraudulent or incorrect data remains of my credit history. 

Please confirm the deletion of the impacted information from my credit report within the required XXXX period, and provide me with a written confirmation that the necessary actions have been taken. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I was reported late in error for months of XXXX and XXXX by Upgrade for a personal loan. Contacted Upgrade and Upgrade sent a correction via email to credit bureaus on XX/XX/XXXX. On XX/XX/XXXX I was again reported late by Upgrade in error for XX/XX/XXXX. On XX/XX/XXXX I was reported yet again late for XX/XX/XXXX and I contacted company again providing them with documentation notices from XXXX and XXXX showing XXXX days late. Upgrade advised it was a duplicate complaint closed case. Called on XX/XX/XXXX, to tell Upgrade it was not a duplicate complaint that they in fact reported me late again, this time for XXXX. Upgrade then reopened the closed ticket. On XX/XX/XXXX, I called to ensure the new erroneous reporting ticket was still open and was told the reopened complaint flagged as a duplicate and the case closed again! I have never been late with Upgrade, they show on their system I have never been late, but nonetheless still reported me late for XXXX, XXXX and now XXXX!!! My credit scores have tanked and they continue to report me late, and continue to close the XXXX reporting error ticket as closed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 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: CA

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

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 2025-01-30 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:
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 2025-01-30 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: GA

Complaint narrative:
I DO NOT RECOGNIZE THESE ACCOUNTS and they are reporting on my credit. 
XXXX  {$790.00} XXXX XXXX  {$640.00} XXXX CCU {$370.00} XXXX XXXX SERVICES {$120.00}. This is a collection account, and it is reporting as open. XXXX accounts should report as closed. 

XXXX XXXX XXXX {$420.00} this is a collection account, and it is reporting as open. XXXX accounts should report as closed. 

-Hard inquiry EXXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -XXXX XXXX  is XXXX XXXX late payment on XX/XX/XXXX and I am protected under the SCRA as I am an active-duty service member. I made them aware that I could not make the payment on time as I am stationed in XXXX XXXX and we were on lock down and didn't have access to phones or internet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I DO NOT RECOGNIZE THESE ACCOUNTS and they are reporting on my credit. 
-XXXX {$790.00} XXXX XXXX  {$640.00} XXXX CCU {$370.00} XXXX XXXX SERVICES {$120.00}. This is a collection account, and it is reporting as open. XXXX accounts should report as closed. 

XXXX XXXX XXXX {$420.00} this is a collection account, and it is reporting as open. XXXX accounts should report as closed. 

-Hard inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -XXXX XXXX is XXXX XXXX late payment on XX/XX/XXXX and I am protected under the SCRA as I am an active-duty service member. I made them aware that I could not make the payment on time as I am stationed in XXXX XXXX and we were on lock down and didn't have access to phones or internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. FLAGSHIP CRD

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 2025-01-30 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 am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: TN

Complaint narrative:
This is in regards to my credit card company, US Bank for XXXX XXXX. I contacted the bank via the automated system to inquiry about my monthly payment amount. On XX/XX/year> I logged into my account to schedule a payment for the month of XXXX. The next day upon checking my bank account, it showed two payments were drafted from my account. I contacted my bank and advised them one of the payment was not authorized by me so I was refunded that amount. ( {$370.00} ). 
On XX/XX/XXXX, I scheduled another online payment for that month and two days later I was notified by my bank that my checking account was overdrawn because two payments were drafted one of which I did not authorize ; I had to close my account to prevent future fraud, this was an inconvenience. I believe US Bank 's automated system is floored so since no one has access to my bank information, the automated system used my saved information on its website to process payments if the caller chooses that option..

US Bank is not protecting the consumers because any caller who wants to make a phone payment through the automated system should be asked to give the funded account number for verification..

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 2025-01-30 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: VA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-01-30 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 obtained my transunion credit report and found XXXX unauthorized/fraudulent inquiries. From XX/XX/2025 I obtained my Equifax credit report and XXXX XXXX unauthorized/fraudulent inquiries. From January 1XX/XX/2025I obtained my XXXX credit report and found XXXX unauthorized/fraudulent inquiries. From January XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I obtained my transunion credit report and found XXXX unauthorized/fraudulent inquiries. From January 17-XXXX XXXX  I obtained my XXXX credit report and XXXX XXXX unauthorized/fraudulent inquiries. From XX/XX/2025I obtained my Experian credit report and found XXXX unauthorized/fraudulent inquiries. FromXX/XX/2025

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 2025-01-30 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: LA

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

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 2025-01-30 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I 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 2025-01-30 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: GA

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

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
I responded to a XXXX ad for a studio apartment, texted the number that was listed and was shown a virtual tour. Afterwards was sent an online application from what I believed to be a legitimate property company. Was then approved and sent a link to reserve the unit through the leasing process. I paid what I thought was a reservation fee of XXXX dollars through Chimes pay anyone feature. Then they sent the leasing agreement and I started to suspect the legitimacy of the whole process. I backed out of the whole thing telling them to refund my reservation fee of XXXX dollars and I havent heard back from them since. Ive tried requesting the money but the recipient has me blocked from requesting They had links, numbers, virtual tours and an entire property management company website to go to. The whole thing seemed legitimate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
After having incurred multiple overdrafts and returned fees, I would like to file a compliant against NFCU XXXX Navy Federal Credit Union ). Despite having sufficient funds when transactions were made, I incurred overdrafts fees due to the lag of posting of credits and charges. This issue aligns with the recent CFBP findings against NFCU for similar practices, where transactions settled with insufficient balances despite initially available funds. I would like to believe this practices are unfair and unjust and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
Cash App is the company I'm filing a complaint against, and XXXX both companies took money because of scamming and fraudulent activities from overseas

Company response to consumer: Closed with explanation