vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
This is predatory lending company. That I Am looking to class action law suit as well as the FTC needs to Investigate this company for their unfair- and predatory lending practices. 

They prey on low income citizens and then sue them years after the matter when they can just simply tax off the debt. Debt that the XXXX XXXX is helping this predatory company commit. 

I need the Federal governments help against this company. Who has 1 star on XXXX and XXXX. 

More people need to com forward against this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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 am writing to formally request that you block and delete the account and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent account and inquiries are as follows : Account : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: AZ

Complaint narrative:
I 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 TransUnion credit reporting agency , block 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, XXXX  XXXX card on XX/XX/XXXX under the account number XXXX, another XXXX  XXXX card personal credit account opened at XX/XX/XXXX, under the account number XXXX, an account opened at XXXX on XX/XX/XXXX with a an account number XXXX, an account with XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX, opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX  XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX  XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXXXXXX XXXX opened on XX/XX/XXXX with an account number XXXX, and a XXXX  XXXX bankruptcy, which has never been confirmed by the courts and I have not filed with a filing date of XX/XX/XXXX, as well as fraudulent inquiries of my credit report with XXXX  XXXX XXXX, XXXX/XXXX, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: NC

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 non-monetary relief
Consumer complaint received 2024-12-13 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:
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 2024-12-13 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that these items be immediately removed from my credit file. 
Accounts to be blocked and deleted : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that these items be immediately removed from my credit file. 
Accounts to be blocked and deleted : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I Opened an account in XX/XX/2024 in response to an offer for {$900.00}. The night I opened the accounts I had problems and notified the bank. The acknowledged that I had done things correctly. I have met ALL of the requirements for the {$900.00} offer ( open checking AND savings w Direct Deposit and Min Balance ) and have called THREE TIMES to resolve the issue. The first time I called, as I mentioned was the day I opened the accounts to let them know that the " flow '' didn't work properly in their system. I KNEW they wouldn't recognize I opened the accounts the same day. The second time I called ( XXXX ) I waited for 20 min to speak to a supervisor- I said I had to get to a meeting and was told I would have to call back. Then I called again and was told a supervisor would have to call me back. Then someone called me back ( XXXX ) to verify the details of my case and said someone else would be calling me back. I haven't heard from anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-13 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received a credit card and separately a statement ( both arrived on XX/XX/2024) from Wells Fargo XXXX XXXX. I did not request the credit card, nor did I make a purchase for {$15000.00}, as shown on the bill.

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 monetary relief
Consumer complaint received 2024-12-13 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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and 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 non-monetary relief
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and 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 2024-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an alert about a lien being placed on my home due to nonpayment of property taxes. I reached out to Shellpoint Mortgage on XX/XX/XXXX spoke with a rep who went over my account and saw the discrepancies on my statement and saw where I paid my balanced in full and escrow balance was owed to me so that I could pay my property taxes. I have yet to hear from anyone or receive my escrow balanced in order to pay my XXXX property taxes. I'm planning to file a suit against the company for negligence and bad faith. I lost sale on my property because of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024, I discovered that a fraudulent transfer of {$2500.00} was made from my savings account to my checking account at Chase Bank without my authorization. Additionally, on XX/XX/2024, a {$1000.00} unauthorized transfer was made to a third-party bank account. Both of these transfers were unauthorized and occurred because my computer was hacked, allowing the fraudster to gain access to my Chase online banking. 

I reported the fraudulent activity to Chase immediately while the transactions were pending. Chase initially reversed the {$1000.00} transaction, but later reinstated it, stating that the fraudster " followed protocol. '' Despite my repeated communication and explanation of the unauthorized nature of these transactions, Chase has refused to reverse the transfers. 

I provided all necessary details to Chase, including dates, amounts, and my assurance that neither I nor my joint account holder authorized these transactions. I also requested a formal fraud investigation and cited Regulation E, which protects customers from liability for unauthorized electronic funds transfers when they are reported promptly. 

Chases failure to resolve this issue has caused significant financial hardship. The unauthorized transactions should have been reversed in accordance with Regulation E, and I have taken every reasonable step to notify Chase of the fraud. I am requesting the CFPB 's assistance in ensuring Chase complies with federal regulations and reverses these unauthorized transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
EQUIFAX FACTUAL DATA XX/XX/XXXX EQUIFAX XACTUS XXXX XX/XX/XXXX EQUIFAX XXXX XXXX BANK XXXX XX/XX/XXXX EQUIFAX XXXX XXXX BANK XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: DE

Complaint narrative:
I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : 1. XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} 2. XXXX - XXXX - XX/XX/XXXX - {$440.00} 3. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$190.00} 4. BANKRUPTCY - XXXX - XX/XX/XXXX - {$5000.00} Inquiries : 1. XXXX  - XX/XX/XXXX 2. XXXX OF XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX, XXXX XXXX - XX/XX/XXXX 7. XXXX OF XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: Opportunity Financial, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX/OPPLNS for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX/OPPLNS, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX/OPPLNS continues its collection efforts, I will file for litigation for actual damages caused and XXXX/OPPLNS shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has refused to let me verify my identity and close my savings account. They have also locked me out of my online banking saying i had to many log in attempts. I have been to multiple capital one cafe 's to verify my Identity and i have uploaded my ID multiple times. I just want my savings account closed and the remaining funds sent to my address on file in the form of a check. This has been going on for over 4 months and i just want my money.

Company response to consumer: Closed with explanation