vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: PA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Peer Advisors, LLC
State: MN

Complaint narrative:
Our mother died in XX/XX/XXXX ( my father had already passed away ) with an HECM on the house she had taken out in XXXX. My parents built the house in XXXX. The house was appraised by a XXXX certified XXXX XXXX state XXXX XXXX in XXXX for {$110000.00}. It was underwater to the loan which at that time was {$220000.00}. The law and the loan/mortgage says we the heirs can payoff the loan at XXXX % of the appraised value of {$110000.00}, so {$100000.00}. We contacted the servicer, XXXX at that time, to to do a 95 % payoff and they ignored us. They passed it to XXXX as servicer, and we continued to try and payoff at 95 % and they ignored us too. We have been trying to do so for a decade-it 's called an heir payoff- but the loan servicers have just constantly been changing and screwing with us and latest servicer, the XXXX I think, now wants {$370000.00}! My siblings and I have the money, that's not an issue. HUD paid off the loan when it got to 95 % of the loan value in XXXX, the year before my Mom passed. We know that, and they paid the {$220000.00} to a servicer or loan hold at that time ( the XXXX loan has been sold to others ). The servicers involved as near as we can tell were XXXX, XXXX, XXXX. XXXX, XXXX, XXXX and XXXX mortgage XXXX we know of. All we want to do is pay the money and get the title cleared of the XXXX mortgages. This process has been absurd and ridiculous.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DEPARTMENT OF EDUCATION continues to claim and report that I, owe a debt Ive come to provide proper identification and rebut the claim The debt in my personal knowledge and belief has already been paid and no debt exists Pursuant HJR 192 of 1933 all debts are obligation to the CORPORATE UNITED STATES which i am not apart of or in here is proof and evidence of my rebuttal Let the debt read as Paid In Full, Never Late

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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Meta Payments Inc.
State: ND

Complaint narrative:
XXXX and XXXX " META '' have allowed a scammer to make a META accountwith my name, which allowed them access to my personal XXXX XXXX XXXX XXXX ( XXXX XXXX ) and they are running bit coin ads to deceive my XXXX friends that i manage a bit coin company to maximize clients profits. They want my friends to XXXX them so they can get access to theiraccounts and steal their money. Sometimes i can change the password and get in to my account briefly to take down their ads and fraudulent impersonating stories on my XXXX. I have a screenshot i can share of proof. But i cant 100 % remove the hackerbecause he has two factor authetnication on my profile and somehow got it verfied that its him/her. They also removed my login access from all my computers and phones and removed my original email ( XXXX ) in leui for their email ( XXXX, & XXXX ). not to mention they have hacked into my personal XXXX and changed my apple settings so they could get copies of my texts through XXXX. XXXX isnt secure for the record, but i have enabled XXXX on my XXXX since then. This started in XXXX XXXX XXXX when i had a unknown login attempt from XXXX. I live in North Dakota, neverbeen out of north american. They also are logged in from a PC on a meta account in XXXX, WA. I cant un-log them in without a META passowrd which has to be reset via XXXX. I am suffering from Lack of XXXX assistance from a real person to disable this account, i even paid XXXX $ a month for premium access to supportteam and they did nothing.It is embarassing and slandering my professional name, notto mention the tens of people contacting me about bitcoin buisness and its not true i dont even own bitcoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was gifted 2 American Express gift cards, each in the amount of {$500.00}. They were intended to cover travel expenses, and claim they can be used anywhere American Express is accepted. However, this claim is false. They decline purchases, for no discernible reason ( never used, large balances ). Any attempt to reach them on the customer service line is met with an automated only system- there is no option to be connected to a representative. American Express card member services can not help either. These cards and their claims are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Re : Expired Charge on Care Credit card XXXX Synchrony Bank illegally allowed a charge in the amount of XXXX to be approved on an expired, over the year dated card.

This letter is to dispute a charge of the Care Credit account number last for digits XXXX. The account had a XXXX balance, the card was expired since XX/XX/XXXX, I never activated the new cards. My granddaughter was user to the account, she lives in Florida where the charge occurred for XXXX XXXX. I did not tell her that the card was expired nor did let her know about the new cards because I was not going to activate them. To my surprise I received a bill in the amount of XXXX, I contact Synchrony Bank XXXX XXXX, XXXX I spoke with XXXX XXXX the name I was given with questions : Why was the charge approved on an over the year expired card, when other banks do not accept expired cards, when the new cards where not activate. I requested transaction cancellation due to this illegal expired card charge. I disputed the charge due to all the above questions.

To resolve the problem, I requested charge cancellation since the charge was not 30 days old and the card was expired which caused the transaction to be null and void, illegal. I am not by law to accept this bill nor am I obligated to pay it due to the facts stated above. The charge should not have been approved on an over a year-old expired card.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a credit card with Capital One. I have found that I was being charged interest despite not making cash advances and paying in full each month. When making my most recent payment I realized that the payment option for " Remaining Statement Balance '' subtracts the amount of scheduled future payments with autopay, in this example the minimum due. At the end of the process to submit the payment, it prompts you with the option to cancel the pending autopay payment. This chain of events causes the payment created for the " Remaining Statement Balance '' to be less than the Statement balance and charges accrued interest. I believe this is deliberately deceptive and may be affecting a significant portion of their customers who attemp to pay in full. I may not have caught this if I hadn't stopped all transactions after reviewing Statements and finding inappropriate interest charges.

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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  number XXXX

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 status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I notice on my credit report there are inquiries that I did not authorized. I believe i'm a victim of identity theft because of this and would like these inquires to be removed from my credit report. 

XXXX XXXX XXXX XXXX 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 2025-01-06 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I notice on my credit report there are inquiries that I did not authorized. I believe i'm a victim of identity theft because of this and would like these inquires to be removed from my credit report. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Issue : Equifax Account Accessibility, Verification Issues, Data Mismanagement, and Inaccurate Reporting I attempted to access my 3-bureau credit report but received the following error message : '' Sorry, we can't show you today 's 3-bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. '' This is the seventh time I have experienced this issue. Equifax 's inability to locate my file, coupled with repeated inaccuracies on my report, demonstrates a clear pattern of unprofessionalism and raises serious concerns about how Equifax is storing and managing consumer data.

Additionally, Equifax has a history of data breaches and systemic inaccuracies, which further undermines trust in their ability to protect sensitive personal information. The recurring issues with locating my credit file highlight ongoing failures in their processes and systems.

Resolution Requested I request that Equifax : 1. Verify and correct any inaccuracies in their records.

2. Delete the affected accounts associated with this issue.

3. Provide an explanation for why this issue has occurred repeatedly and confirm that my credit report is accurate, complete, and accessible.

4. Improve their internal systems to ensure such errors do not continue.

These are also affected accounts that were previously reported in CFPB Complaint ID XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the account number I will also send this complaint, along with supporting identification and documentation, to the Attorney General 's Office for further investigation into Equifax 's practices .

This issue has caused repeated inconvenience and raises significant concerns about Equifax 's ability to safeguard consumer information, maintain professional standards, and comply with federal regulations.

Attached Supporting Documents and cover letter.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several accounts on my credit report that are inaccurate and do not belong to me. These accounts are fraudulent, incorrect, and unjustly affecting my financial standing. I want to emphasize that I have never authorized or engaged in any activities related to these accounts.

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 2025-01-06 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-06 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: CBC Companies, Inc.
State: MN

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 Subject : Dispute of Incorrect Information Mixed Accounts Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute certain accounts that have been erroneously reported on my credit report. After reviewing my credit profile, it has come to my attention that some of the accounts listed do not belong to me and appear to be the result of mixed information with another individuals credit file. These incorrect accounts are negatively impacting my credit profile and causing significant issues with my current lenders.

Below are the details of the accounts that appear to be mixed up : 1. Account Name : XXXX XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
2. Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
3. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
4. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
I respectfully request that you investigate this matter and correct my credit file by removing these incorrect accounts. Please confirm that this dispute will be addressed and that the necessary steps will be taken to ensure my credit report reflects only accurate and relevant information. I would appreciate a prompt resolution, as this issue is currently affecting my ability to maintain positive relationships with my lenders. 
Please find attached a copy of my credit report highlighting the disputed accounts. If you require any additional information or documentation from me to facilitate your investigation, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response and the necessary updates to my credit report. 

Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
NCB Management was supposed to refund me via check on XX/XX/XXXX. I told them I did not have access to the bank account/debit card they had on file and yet they still refunded {$710.00} to the closed bank account/debit card, I was then told that they would send the refund via check when it was rejected from the bank. I contacted the bank, XXXX XXXX, and they provided documents showing the refund was never accepted or sent to them, NCB then told me they would contact the third party credit vendor to help find the funds and that I would get an update on XX/XX/XXXX. Today is XX/XX/XXXX and I was just told on the phone that there is no update and nobody knows where the money is. This is getting ridiculous that we are going on a months time and I havent received an update or a refund, especially since I told XXXX XXXX XXXX on the XXXX that I needed to be refunded via check.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of stress and XXXX  that affects every aspect of my daily life. The psychological impact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.

Company response to consumer: Closed with explanation