vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: NC

Complaint narrative:
I received a Cash App card - ready to use and attached to my bank account- in the mail ( my home address and in my full name ) that I did not request. My credit has been frozen for well over a year, but I still received one. I called the number on the card ( XXXX ) XXXX and explained that I got a card in the mail I did not request and asked for the fraud department on XX/XX/year> at approximately XXXXXXXX XXXX. est. The agent refused to transfer me to anyone ( even a supervisor ) and told me to email her to card details instead. They absolutely refused to cancel this account over the phone. My phone recognized a chip card nearby and immediately logged in to the account, which was completely attached to my personal bank account and I did NOTHING to verify this. Please help. 

My husband received one, too, in his own name, but they will not cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-13 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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-13 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: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX mcneil & meyers XXXXXXXX XXXX XXXX XXXX  collect XXXX thats derogatory accounts XXXX XXXX XXXX XXXX XXXX first all id theft address are id theft to all accounts addresses reported XXXX XXXX XXXX XXXX  XXXX ca XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX ca XXXX all id theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/year> I opened a Robinhood XXXX account for the purpose of buying and sending Bitcoin. The account was opened with {$1000.00} within one hour my account was restricted and I no longer had access to withdraw it back to the bank, or any other function on the app. Robinhood has 3 customer service numbers I called all of them, they are 100 % automated with Nobody to talk to, to remove the restrictions. I have requested support and sent emails to RH every day since the account was opened. Still no response and I still have {$1000.00} in the account. I would love if there was an XXXX  somewhere who can get my money back to pay for a burial plot. Robinhood XXXX has Stolen my money and I Pray someone can get it back to me. Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I received my XXXX 1098 form. It showed my XXXX  property taxes were not paid by the end of the year, though my monthly payments included escrow for taxes and insurance. Upon investigation, a representative stated that a notice was provided to me in XX/XX/XXXX indicating a change in how/when property taxes would be paid and the option available to me to have them paid in the year they were accrued as in previous years. I'm very diligent about checking email from PennyMac. I was unable to find such a notice in my email. At this point, there appears to be no remedy for this year, but I can check back in XXXX of XXXX to request my XXXX tax payment be made by XX/XX/XXXX. 

I've check with several other people who's mortgage is managed by PennyMac and they were not aware of this change either. I noticed on a XXXX PennyMac complaint site there were others in XXXX  with this same complaint. Because of the tax deduction implication for me and others, PennyMac didn't do a good job of notifying it's customers of this change in tax payments in XXXX. This will cause financial hardship for many by increasing individual tax liabilities for many because the taxes can't be claimed as a deduction for XXXX. 

I'm requesting CFPB or other appropriate agencies to review this matter in the hope PennyMac will be forced to managed such significant changes better. Changes of this magnitude should include notification by email and mail. 

Sincerely, A unhappy PennyMac customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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.
State: NY

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. 

Thanking you in advance, BY : XXXX, XXXX FOR : XXXX XXXXPrincipal 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Recently I looked at a copy of my report and noticed inaccuracies on my account. This account is hurting my ability to obtain credit.Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX 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 non-monetary relief
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
Recently I looked at a copy of my report and noticed inaccuracies on my account. This account is hurting my ability to obtain credit.Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-13 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: CA

Complaint narrative:
XXXXNote : Supporting documentation has already been mailed to your office regarding this matter, may inadvertently be under file XXXX XXXX XXXX  On XX/XX/year> I sent a Certified Letter to Experian to have them update/correct the personal information on my credit file, remove telephone numbers, and all other addresses off my report as they are not deliverable, and reportable per the FCRA. This has not been done. 

On XX/XX/year> I mailed a Priority Mail letter to Experian regarding several negative accounts on my credit file, and requested " competent validation '' which included a signature showing that the accounts were mine. They were given 30 days per FCRA laws to accomplish this, and have not done so. 

On XX/XX/year> I mailed a Certified letter to Experian regarding an alleged account from " XXXX XXXX. '' When I attempted to contact the alleged company by mail, the letter was returned as " undeliverable '', so I requested that Experian remove this alleged account from my report as it is possibly fraudulent. This has not been done per FCRA laws.

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 2025-01-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Antelope, XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Resolution Department, I am writing to formally dispute inaccurate information reported on my credit report associated with my account. I have previously reached out via your online portal and through other communication means regarding this matter ; however, the inaccuracies persist. My report continues to reflect erroneous entries that I believe are detrimental to my financial reputation.

In light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which highlighted ongoing issues related to the accuracy of credit reporting, I felt compelled to escalate my grievances directly to your department. It is concerning to note that the patterns identified in that lawsuit, including inadequate investigation responses and failure to remove inaccurate information, mirror my experiences.

Specifically, the inaccurate items I wish to dispute include : XXXX XXXX  [ Describe the first inaccurate item, including the account number and the nature of the inaccuracy ] XXXX XXXX XXXX XXXX Describe the second inaccurate item, including the account number and the nature of the inaccuracy XXXX XXXX XXXX XXXX [ Continue, if necessary, with further inaccuracies ] XXXX I have attached copies of relevant documents that support my dispute, including any correspondences, statements, or documentation that substantiate my claims. 

As outlined in the Fair Credit Reporting Act, I expect a thorough investigation of my disputes within the 30-day timeframe mandated by law. Furthermore, I trust that Experian will take this opportunity to reinforce its commitment to providing accurate credit data in accordance with federal regulations and in light of the CFPB 's findings.

Please confirm receipt of this letter, and I request that you provide me with the results of your investigation, as well as an updated copy of my credit report reflecting any corrections made.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-13 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: MI

Complaint narrative:
I have gone through numerous attempts to get all incorrect and misinformation corrected that I have suffered greatly from XXXX, Transunion and XXXX companies to try to get my credit profiles corrected for well over the last seven years from experience identity theft. I need help trying to get my life back and with no help or assistance in accuracy in investigations from these supposed to companies to only keep getting included even in their data breaches to suffer even more damage.please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MI

Complaint narrative:
I have gone through numerous attempts to get all incorrect and misinformation corrected that I have XXXX  greatly from XXXX, XXXX and Equifax companies to try to get my credit profiles corrected for well over the last XXXX  years from experience identity theft. I need help trying to get my life back and with no help or assistance in accuracy in investigations from these supposed to companies to only keep getting included even in their data breaches to XXXX  even more damage.please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XXXX XXXX i shopping online Wal-Mart i purchase something and UPS never deliver my items.Wal-Mart advertise 2 days free shipping with minimum {$35.00} purchase, drop off by XXXX  or XXXX, they liars, fraudulent advertising.I ask over over for my refunded on Order XXXX XXXX XXXX which was XXXXXXXX XXXX  when i called Wal-Mart customer service XXXX its recorded service say they put my Refund on gifts cards..Thats XXXX  XXXX iam over XXXX miles away, furthermore i paid with my credit card i want my {$25.00} refund on my capital one Savor card is what i used. {$10.00} for batteries, an {$15.00} XXXX.Wal-Mart customer service emails, phone contact is record message stinks they should be sued for XXXX XXXX poor customer service.I called capital one i couldn't get anywhere with XXXX didn't understand problems.Would not resolve my issue.

Company response to consumer: Closed with non-monetary relief