vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: MI

Complaint narrative:
RE : REQUEST FOR REMOVAL OF INACCURATE CREDIT INFORMATION TO WHOM IT MAY CONCERN ; UPON REVEWING MY CREDIT REPORT, I HAVE IDENTIFIED THE FOLLOWING ITEM ( S ) THAT CONTAIN INACCURACIES XXXX XXXX { XXXX XXXX : THIS COMPANY IS IN VIOLATION OF ( 15 USC 1681N ) THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELETE THIS UNAUTHORIZED INQUIRY AMERICREDIT- { XXXX XXXX ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY CONSUMER PROTFOLIO- { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY ALLY FINANCIAL { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX  XXXX VIA DEALER { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XX/XX/year> XXXX ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY I DID NOT CONSENT, NOR DID I AUTHORIZE AND NOR DID I BENEFIT FROM THE FOLLWOING INQUIRIES, THEY ARE FRAUD AND REMOVE THEM IMMEDIATELY SINCERELY 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 2025-02-05 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: SC

Complaint narrative:
I have recently reviewed my consumer report and informed your agency onXXXX XXXX, XXXXregarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ). 

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.

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 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to formally dispute the reporting of certain collection account on my credit report that I did not authorize or contractually agree to RESURGENT/LVNV FUNDING my account number ( XXXX ) was reported without my consent, and I demand its immediate removal as they are inaccurate and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), furnishers and credit reporting agencies are required to ensure that all reported information is accurate and verifiable. Since I never entered into any contractual agreement with these collection agencies, I dispute the legitimacy of these accounts and request that they be deleted from my credit report immediately. 

Furthermore, I am issuing a formal cease and desist notice to any and all collection agencies attempting to collect on these disputed accounts. Under the FDCPA, I have the right to request that all collection efforts, including phone calls, letters, and reporting to credit bureaus, immediately cease. Any further attempts to collect on these unauthorized accounts will be considered a violation of my consumer rights and subject to legal action. I have already attempted to resolve this matter with the credit bureaus, but they have failed to provide sufficient verification proving the validity of these accounts. 

If these collection agencies can not provide a valid, signed contract demonstrating my authorization, they are in violation of federal law and must remove these accounts from my credit file. These inaccurate and unauthorized accounts are severely affecting my creditworthiness and financial opportunities. 

I request that the CFPB take immediate action to investigate this matter and ensure the removal of these accounts from my credit report. Please provide written confirmation of the actions taken in response to this dispute. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NJ

Complaint narrative:
This is my third formal dispute regarding the inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) account on my TransUnion credit report, and I am done tolerating TransUnions failure to fix this ongoing error. Despite previous disputes, TransUnion continues to falsely report the account as late, directly misrepresenting my credit history and damaging my creditworthiness. XXXX correctly reports no late payments, yet TransUnion persists with this false and harmful reporting. I have consistently paid this account on time, and this negligence is a clear violation of federal law. Under 15 USC 1666b ( a ), payments made within the agreed timeframe can not be treated as late, but TransUnion has disregarded this protection. Its failure to maintain accurate reporting violates 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. TransUnions failure to investigate and correct this issue reflects a complete lack of compliance with 15 USC 1681s-2 ( b ), which requires furnishers to correct inaccuracies upon receiving dispute notices. Additionally, under 15 USC 1681i ( a ), credit reporting agencies must conduct timely and thorough reinvestigations of disputed information, but TransUnion has ignored this obligation. This negligence demonstrates willful noncompliance under 15 USC 1681n, making TransUnion liable for damages of up to {$1000.00} per violation, as well as negligent noncompliance under 15 USC 1681o, which holds TransUnion accountable for actual damages caused by this inaccuracy. TransUnions failure to comply with 12 U.S.C. 5531, which mandates fair, transparent, and accurate dispute handling, further highlights its disregard for my rights. The continued failure to resolve this matter has caused harm to my credit, financial well-being, and emotional health. Enough is enough.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Last year I discovered a false account with XXXX, XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX, XXXX and XXXX XXXX was only removed from my XXXX reports but not from Equifax or TransUnion. I not sure if they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX and XXXX XXXX refuses to stop reporting. 
Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2025-02-05 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXXXXXX XXXX {$5300.00}, XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX Services Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX XXXXredit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-05 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXXXXXX XXXX {$5300.00}, XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX Services Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX XXXXredit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XXXX XXXX XXXX, Ally Bank reported me as late on my car loan, despite having an agreement in place. The agreement stated that my XXXX payment would be added to my loan, granting me an extension. Additionally, the agreement required me to make two partial payments, which I followed through on the agreed dates. 

However, after noticing a hard inquiry on my credit report on XXXX XXXX XXXX, I called Ally Bank for clarification. During the call, I was informed that " the extension is no longer valid. '' This was never communicated to me in advance, and I upheld my end of the agreement by making the required partial payments. 

This unexpected reporting has negatively impacted my credit, and I am seeking a resolution to have the late payment removed, as the extension was originally agreed upon. 

Now my extension is in my account but is locked from viewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-02-05 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 have sent multiple dispute letters to XXXX regarding inaccurate information on my credit report. Despite providing evidence, XXXX has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : XXXX has not ensured the maximum possible accuracy of the information in my credit file. 
15 USC 1681s-2 : XXXX has continued to report inaccurate information after I provided notice of disputes. 15 USC 1681 ( 5 ) : XXXX has reinvestigated and reinserted disputed items without notifying me, as required by law. 15 USC 1681c ( c ) : XXXX has reported obsolete information that should have been excluded from my credit report. Recently, I became aware of the lawsuit filed by the CFPB against XXXX on XXXX XXXX XXXX  titled " CFPB Sues XXXX for Sham Investigations of Credit Report Errors. '' According to the CFPB, XXXX has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. 
XXXX 's failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
XXXX Starting on Friday, I caught XXXX brazenly putting out unethical marketing practices to try to gain business ; I was trying to understand their message and almost got tricked ..... I would put ALL the money in the world ; they have done this many times over the years .....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: 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 2025-02-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was solicited to purchase a certificate of deposit from JP Morgan Chase. The agent who made the offer promised to act on my behalf in the management of this account. when this certificate matured, I was given the option to roll it over or to cash it in I chose to cash in. the bank, moved forward and cashed in the certificate two days before maturity, which cost me most of the interest that I had accrued. I did not authorize the early withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I checked my report and saw some inquiries from creditors that I never approved. I'm worried these might be tied to identity theft or fraud. Could you please look into these inquiries and take them off my credit report if they can't be confirmed as authorized? I've attached my letter to the Bureaus, but those inquiries are still showing up on my current 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