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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
I would like to express my concern regarding the credit inquiries made in my name. On XX/XX/XXXX, I noticed that my credit information was inquired multiple times across different bureaus, which I consider excessive and unnecessary. These actions have negatively impacted my credit history, affecting my XXXX XXXX. 
The repeated inquiries are not only unnecessary but, in my view, constitute an abuse of my personal information. In this regard, I request that you review and clarify the reason for these inquiries and take the necessary steps to correct any potential errors or misunderstandings that may have occurred during this process.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I tried several transactions that did not go through.. I sent money and it was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed dispute with capital one on a bait and switch credit card hotel stay and Capital one closed my 360 saving account. I had no access to any money for nearly a month

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 — Problem with personal statement of dispute
Company: Diversified Adjustment Service, Inc.
State: CO

Complaint narrative:
We only owed one month which was XXXX. We were dealing with mold in the home. which the city had to come out and inspect, we have paperwork from the city stating that they have to do something about the mode at a certain time. Which they didnt my son has XXXX so we had to move out, but before we had got able to move out, they put an eviction letter on our door. We wasnt even a month late yet. We tried to work with them, but they didnt want to take care of the mood so we end up having to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been disputing reporting issues to the Nth degree. Experian told me that they wanted information on a an identity theft claim via email. The attachment satisfies their claim.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
In XX/XX/2023, I was scammed through cash app. I was lead to believe that my personal checking account had been hacked and that I needed to allow access to my cash app to secure my checking account. I lost a total of XXXX dollars with these transfers. They were sending money to block chain. I contacted cash-app via a chat messenger system. I could not find a number for them. The answer came back that I had violated company policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-31 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: TX

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-31 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: TX

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
A company identifying themselves as " COLUMBIA DEBT RECOVERY LLC DBA GENESIS '' claimed I owed : " Original Creditor : XXXX XXXX Placed for collections on : XX/XX/XXXX Original Principal : {$6700.00} Current Principal : {$6700.00} Interest Due : {$210.00} Other Amount Due : {$0.00} Total Due : {$7000.00} After numerous calls, every time, from multiple companies, asking for proof of debt via mail, one email sent on Tue, XX/XX/XXXX asking for the aforementioned and an attempted " unsubscribe '' unsuccessful, I tried again on XX/XX/XXXX. Screenshots of my unsuccessful and again attempt to " dispute '' the debt in writing, then unsubscription unsuccessful, I'm reaching out to the CFPB to help abnegate and keep honest this abhorrent collection company before they attempt to do more damage illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
This account isnt mine and I need it removed 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Im asking for this tons removed asap

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 2025-01-31 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: MS

Complaint narrative:
This account isnt mine and I need it removed XXXX XXXX  acct number XXXX  
XXXX XXXX XXXX XXXX XXXX 
Im asking for this tons removed asap

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 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a technical glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have provided to ensure I dont have to deal with this problem again.

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 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after my Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

The following inquiries were not and should not be reporting : 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 non-monetary relief
Consumer complaint received 2025-01-31 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:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc.
State: NC

Complaint narrative:
I was shut down by XXXX after normal banking transactions on XX/XX/year>. 

I've had the account for a little less than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously notified Experian credit bureau on XX/XX/24 that I am a victim of identity theft to this date Experian has not responded to and fraudulent items are still on my personal 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 2025-01-31 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX Vitcim of phishing scam text to phone asking about information to verify my address for a purchase XX/XX/XXXX Fraudulent charge was made to XXXX XXXX XXXX for {$4100.00} to Truist 's Credit card XX/XX/XXXX : I asked Truist bank to lock the previous debit and credit cards and issue new cards. Truist opened an investigation and would report back. 
XX/XX/XXXX : Issued new debit card. The credit card was not received due to co- ownership of the credit account. 
XX/XX/XXXX : Given new credit cards ( one each of me and co-owner ).

Over the span of XXXX, I would call multiple times to inquire about the investigation. They reported to me in XX/XX/XXXXXXXX XXXX that the charge was considered disputed, but the charge was still present on my account for the entire year. In early XX/XX/XXXXXXXX, I called to inquire. Further, Truist said they would reopen the case and investigate ; they asked me to follow up by XXXX XXXX. I was able to follow up on XX/XX/XXXX. Truist reports that through the investigation, the charge was supposedly authorized, but I have no evidence that a purchase was validated on my end or on the co-owners end ( No email confirmation, no tracking number, no receipt from XXXX XXXX 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 2025-01-31 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: CA

Complaint narrative:
I am writing to dispute an account listed on my credit report that is completely unknown to me. This account does not belong to me, and it appears to be a case of mixed data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
Affirm XXXX XXXX, XXXX Account XXXX XX/XX/2021 This is not my debt asking it to be remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: National Business Factors
State: NV

Complaint narrative:
In XXXX I was billed for an ambulance ride. I didnt know i was billed because I was homeless and didnt have an address to send it to. I had XXXX insurance at that time and was still billed to a previous address ( apparently ). When the debt collection agency contacted me in XXXX I told them I had insurance at the time of the accident, and they said it was too late now to settle the debt with insurance information. The original creditor is XXXX, XXXX business Factor is the collection agency. Original balance from XXXX XXXX was XXXX XXXX as of XX/XX/XXXX the balance is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Formal Demand to Validate Unauthorized Credit Inquiry I am writing to address a credit inquiry from your company dated XX/XX/year> on my credit report. I do not recognize this inquiry, nor have I authorized Santander to access my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681b, you are required to have permissible purpose before obtaining my consumer credit report. Which I did NOT provide.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to provide proof that you had a permissible purpose to obtain my credit information. I demand that you provide the following documentation immediately : 1. Proof of my explicit authorization for this inquiry, including any signed agreements or consent forms bearing the Santander name.

2. A detailed explanation of the purpose of the inquiry and the basis on which it was made to Santander.

3. The name and contact information of the individual or department within Santander responsible for initiating this inquiry.

If you can not provide the requested documentation proving that this inquiry was legally authorized, you must take immediate steps to : Remove the inquiry from my credit file.

Notify all credit reporting agencies of the correction.

Confirm in writing that these actions have been completed.

Failing to respond to this request or refusing to provide proper validation will result in formal complaint being filed to the State Attorney Generals office and the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of my consumer rights. This unauthorized inquiry has damaged my creditworthiness and constitutes a serious breach of federal law. I expect your response within 15 calendar days of receipt of this letter. Ignoring this matter will only escalate the issue further. Consider this my final attempt to resolve this issue directly with your company before taking legal and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: OH

Complaint narrative:
They removed an account that wasnt supposed to be there successfully Then they readded it for no reason I would like this removed from my report and removed from closed account Id also like the XXXX XXXX account to be removed from my closed accounts And the XXXX XXXX account, I want that removed from my closed accounts In the attached files Youll see them removing it And later re-adding it Makes no sense Also you can see the accounts that mentioned that are closed that I would like removed from closed accounts. They dont even show accurate information Ive also attached a photo of my passport which should serve as two forms of identification thats proves it me summiting this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief