vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Equifax Missing Credit File and Inconsistent Reporting Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against Equifax regarding the disappearance of my credit file and their contradictory handling of my credit history. 

As of XX/XX/year>, I discovered that Equifax had lost my credit file. I have been unable to access my report through their website, the free annual credit report service, or by speaking with their representatives. Each time I contacted Equifax, I was told that my credit file could not be located. Despite multiple requests for an internal review, Equifax was unable to retrieve my records. 

Due to the lack of resolution, I escalated the matter by filing a complaint with the CFPB. In response, Equifax stated that I have never had a credit history with them and that they can not locate my file. However, this claim is inconsistent with my prior interactions with Equifax. I have engaged in numerous disputes with them regarding fraudulent activity on my credit profile, and I have documentation to support this. 

I have attached letters from Equifax in which they claim I have never had a credit profile, alongside verification letters issued after my file went missing. These verification letters confirm that Equifax processed account verifications despite claiming that my credit file does not exist. This raises serious concerns about the accuracy and integrity of Equifaxs credit reporting practices.

Equifaxs mishandling of my credit file has caused significant harm, including the inability to monitor my credit, dispute fraudulent activity, and access financial services. I am requesting the CFPB to take immediate action to investigate Equifaxs failure to maintain accurate consumer records and to hold them accountable for these discrepancies.

I appreciate your prompt attention to this matter and look forward to your guidance on how to proceed. Please do not hesitate to contact me should you require any additional information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I requested a payment history from the company and through a previous complaint. I did not receive the payment history for payments made through bankruptcy. I provided the company with the payments, amount, dates and check numbers as part of my complaint. I still did not receive proof of payments made. As it stands, I've made payments, the vehicle was repossessed and I have nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a Citibank account and about two weeks later I was in a car accident and I in my wallet and phone and everything was lost. I was in the XXXX  for two weeks after that and the bank said within two weeks someone tried to deposit fraudulent checks in my account and then take it out at the bank, but I was in the XXXX  They had a fake ID, so I tried to ask the bank can I give you the information from the XXXX XXXX that I was there for two weeks while all this was going on and they said no theyre closing my account

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 2025-02-20 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: Credit Karma, LLC
State: CA

Complaint narrative:
XX/XX/year> For past couple days many attempts made to regain access to my reports/creditkarma account. I spoke with XXXX regarding my XXXX mail account through phone/screenshare. Spoke through email and chats with creditkarma trying to regain access to my account. I have been unable to receive verification codes to my email. The same email I started my creditkarma account with. Using the same XXXX but different phone number. I was told XXXX reason is that Im outside of us. I repeated I live in XXXX XXXX CA several times. I was given the same excuses and instructions several times. I did an identity verification by uploading my drivers license and doing a live video to compare and prove my identity and it was successful. Still I couldnt retrieve my account. The process continued to circle repeating the same process over and over. No resolve. I was told my account is frozen but after the identification process and change of phone number I would be able to access account. Never happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$300.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I did not authorize the following inquiries : XXXX XXXX, XXXX, XXXX, XXXX PLEASE REMOVE FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.

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 2025-02-20 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:
By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today XX/XX/year> checked Equifax credit report score and found XXXX points. No explanation. Why are the credit bureau 's allowed to exist and do whatever they want without any explanation or reasoning. I want an explanation why, what causes the negative XXXX points today?! This is unacceptable and must STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
In XXXX of 2023, I took out a signature loan with my bank to do a consolidation and pay off credit cards. XXXX of these credit cards was for XXXX XXXX XXXX. I was under the impression that the balance was paid off until I closed my account and realized that automatic payments were failing and I began receiving calls from XXXX, the bank through which I had the XXXX XXXX XXXX card, stating that I was past due on payments. 

I investigated with my bank and discovered that the cashier 's check was sent to the wrong bank and was eventually processed by Bank of America. I attempted to resolve the matter with them but, having no account information with them, they were not able to help me or provide me with information regarding where the funds were applied. This is especially egregious because I have no account with Bank of America, either for personal banking or a credit 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Erroneous activity has been reported multiple times. It is imperative that any unauthorized items are removed within four business days. These process includes verifying my identity, submitting an identity theft report, identifying the relevant information, and confirming that the activity is unrelated to any of my transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I made a purchase on XXXX through XXXX XXXX utilizing Paypal XXXX XXXX XXXX, and at that time, Paypal withdrew my first initial payment of {$180.00} which they pulled from my credit card, on the same day I cancelled the transaction through merchant and the merchant refunded Paypal. When I did not see that Paypal credited my credit card company back the {$180.00} and the charge posted, I initiated a dispute. with my credit card company. XXXX XXXX did not provide any provisional credit, they held the funds for the entire investigative process. Paypal refunded my Paypal account, I was unaware of that at time of dispute, when I discovered it, I thought a resolution had been made or they would respond to the dispute. Then they took out a second payment, when I contacted Paypal they stated that I had to pursue my own refund from XXXX XXXX, then another agent stated that because I initiated a dispute they were pulling another payment. So I initiated another dispute because I did not authorize the payment, they then initiated another withdrawal and kept withdrawing money for a total of {$560.00} until I would not fund my XXXX XXXX  any more. They initiated over XXXX transactions that rejected due to not enough funds. They refused to stop pulling money. They kept stating that I kept disputing transactions and until the XXXX XXXX XXXX  was satisfied I would keep paying, to date I have only been reimbursed for {$370.00} from the dispute process yet after talking to them today they said the only way to resolve this is to pay them an additional {$180.00}. My credit has been impacted and now its is lowering my score and effecting other accounts because of their negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello CFPB XXXX, Here is what I most recently wrote to Cap One : XX/XX/XXXX Dear Cap One staff, I have been trying to resolve this issue for almost a year now. I have sent you multiple letters, offered to pay a settlement, and filed complaints with the CFPB, yet you have continued to ignore me. 

Please view the enclosed proof of previous communications and copies of certified mail receipts for our history. 

You went from marking my account as charged off as bad debt in XXXX, to profit and loss write off in XXXX. 

Please send me a 1099-C for the written off debt and mark my credit report as a XXXX balance owed. The amount can not be both income and a debt for me. 

~~~ Capital One has completely ignored all of my attempts at contacting them and resolving this issue. If they sold the debt, why are they still reporting it? If they sold the debt, why isn't a collection agency contacting me? 

Isn't it about time that Capital One allows me to settle this matter so we can all get on with our lives?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: GA

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TomoCredit Inc.
State: MS

Complaint narrative:
Tomoboost Purchased this item through XXXX.. They were paid in full. Once i read more on them and did not receive the service I paid for I requested a refund and I have written them numerous emails with them even telling me that they did get my cancellation, but they will not respond to my request for the refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
i recently reviewed a copy of my credit and noticed i have fraudulent accounts listed. Please remove these accounts from my report. it's affecting my ability to obtain 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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I am having a checking account with Huntington Bank. There were a lot of unauthorized transactions ( transactions withdrew from my checking account without my permission and I did not authorize the transactions, and I did not know about the transactions. The transactions are as follows : On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$1500.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$1500.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$360.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$1600.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$1600.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$270.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$1600.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$280.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$1700.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$280.00} from my checking account. 
On XX/XX/XXXX, XXXX XXXX unauthorized withdrew {$300.00} from my checking account. 
The total amount unauthorized withdraw from my checking account is {$11000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-20 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: VELO LAW OFFICE
State: MI

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers an
d Registered Agent.

Company response to consumer: Closed with explanation