vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2024-12-22 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: NC

Complaint narrative:
Recently, I did

an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not open these accounts nor did I approve anything from XXXX XXXX XXXX XXXX XXXX AMOUNT {$XXXX} I have never been to this place of business. I HAVE EXCELLENT CREDIT FOR XXXX  YEARS XXXX XXXX XXXX XXXX. THIS CREDIT CALLED ME AND TRICK ME TO SEND THEM {$XXXX}. I HAVE MANY XXXX  ACCOUNTS FOR MANY YEARS AND NEVER MISSED XXXX PAYMENT. THIS IS TAKING ADVANTAGE OF A ELDERLY PERSON BY CONFUSING ME TO SEND THEM MONEY FOR A ACCOUNT THAT IS NOT MINE. 


I received paperwork of myself taking over a lease from a person I have never met or know. They sent a contract with a signature not mine. I am XXXX XXXX XXXX and have lived in only XXXX places the last XXXX  years. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have not missed a mortgage payment in XXXX  years. This is fraud PROFESSIONAL DEBT ME ACCT XXXX AMOUNT {$XXXX} is the company trying collect and take advantage of an elderly person by tricking me on the phone. I HAVE NEVER LIVED OR BEEN TO THIS BUSINESS. 


MY CREDIT SCORE IS XXXX I TAKE PRIDE IN PAYING MY BILLS LIKE A GOOD PERSON. THIS IS NOT OK TODO TO SOMEONE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account opened at XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX XXXXXXXX ) 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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX RE : Correction to my personal information Dear Equifax, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect name and address. 


Incorrect address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect name : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: IL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me

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 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to formally complain about a wire transfer I made to a fraudulent Citibank account ( Account Number : XXXX ) in the amount of {$90000.00}, intended to assist my sister with her home closing in the process of a house purchasing. 

The wire transfer was initiated through my bank, XXXX, on XX/XX/year>, around XXXX XXXX. Upon discovering that this account was fraudulent, I contacted XXXX on XX/XX/year>, at approximately XXXX XXXX to initiate a wire recall. Citibank subsequently requested a letter of indemnity and a police report. XXXX has provided the requested documents, sending the letter of indemnity on XX/XX/year>, and the police report on XX/XX/year>. 

However, on XX/XX/year>, XXXX informed me that Citibank had declined to return the funds. Citibank stated, " PLEASE BE ADVISED THAT WE HAVE CONTACTED OUR CLIENT FOR DEBIT AUTHORITY ON A NUMBER OF OCCASIONS, BUT AS OF TODAY, HAVE NOT RECEIVED A RESPONSE IN REGARDS TO YOUR RECALL REQUEST. WE RESPECTFULLY SUGGEST THAT THE REMITTER AND BENEFICIARY SETTLE THIS MATTER DIRECTLY. '' ( Reference number : XXXX ) Despite my and Chases efforts to provide evidence of the fraudulent nature of the transaction, Citibank has neither acknowledged the fraud nor responded to XXXX regarding the documents submitted.

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 2024-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My escrow has gone up {$220.00} monthly. When I called the company to ask why, they stated its because my taxes and insurance went up. My insurance has not changed and my taxes rose under {$200.00} annually. When I told them there must be a mistake, they said no its just how it is. I said can you please make it make sense and they couldnt. Finally they put a person by the name XXXX on the phone and he said that back in XXXX their sister company XXXX XXXX by Mr. Cooper accidentally gave me {$700.00} dollars back in escrow overage that wasnt supposed to go back to me and it caused a deficit in my escrow account that they are making up for now. I cant find any bank statements backing this theory. Their sister company got caught in an accident with me before when I tried to have my PMI removed, they accidentally had my conventional loan in a rural housing loan. Intentional accidents are not accidents and I would like this to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I am writing to formally demand that you immediately remove the collection entry from my credit report, which I believe is in violation of my rights under multiple legal statutes, including the Health Insurance Portability and Accountability Act ( HIPAA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Firstly, I was never informed by your company about any potential violation of the HIPAA Law in relation to the collection of my debt. Under HIPAA ( 45 CFR 164.502 ), you are prohibited from disclosing any medical information without my explicit consent. It appears that Synerprise Consulting Services has violated this provision by sharing or attempting to collect information regarding my healthcare, which I have not authorized. Your failure to comply with HIPAA regulations, coupled with your improper use of my personal health information, is a clear violation of my rights. 
Additionally, I previously made a payment towards the balance owed, yet I find that my account remains listed as a collection on my credit report. I will not be making any further payments to Synerprise Consulting Services as a result of your failure to comply with the legal requirements set forth under both federal and state laws. This constitutes a violation of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ), particularly under 1692e, which prohibits false or misleading representations regarding a debt. The continued listing of this collection on my credit report is misleading and unsubstantiated by my current payments, and I demand that it be removed immediately.

This letter also serves as a formal 15-day notice of my intent to take further legal action if these issues are not resolved. If Synerprise Consulting Services fails to remove this incorrect collection from my credit report within the next 15 days, I will initiate a lawsuit under 
both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ). I will also pursue claims for any damages and legal fees incurred due to your unlawful actions.

Furthermore, I will be filing a formal complaint with the Office of the Attorney General for the state of Texa. Your actions appear to violate both federal and state consumer protection regulations, and I will not hesitate to pursue all available legal avenues to hold your company accountable.

I trust that Synerprise Consulting Services will take immediate action to resolve this matter and comply with all applicable laws. Failure to do so will result in legal consequences, including the aforementioned lawsuit and complaints to the Attorney General and other relevant authorities. 

Please treat this matter with the urgency it requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is regarding the ongoing complaint with Barclaycard and their continued non resolution of the issue that I have now reported twice. I have received a response from Barclaycard but it does not close the issue nor give me any proper response to my concerns. Barclaycard has removed the charges and found me not liable, but then nullify that by saying that if the merchant can prove the charges, they will add them back on my account. Prove how? I want video of the criminal perpetrator impersonating me, or phone records or the ip address from which they placed the fraudulent charge on a cancelled card. They have vaguely worded their response and it does not close the issue. They also said that they have closed/cancelled the card in question now in XX/XX/year>, when they told me in early XX/XX/year> in a phone conversation, that they were closing my card immediately and issuing me a new card which I received in mid XX/XX/year>. The fraudulent charge that was made on my account used the card that they had verbally told me was closed in early XXXX. They tell me that they are closing it now? They told me on the phone in early XXXX, prior to the fraudulent charge that the card was closed then. I have requested the phone records of my conversation in early XXXX, which they have not provided. 

My complaint is that they have not fully resolved this issue and put it to rest. On the one hand they are saying that I am not responsible for the fraudulent charges and on the other hand they are nullifying that statement and not taking responsibility or giving me any explanation for placing a complete and unknown stranger on my account, that they did not notify me about it in any manner, not providing any of the records of how and where they placed this stranger on my account, and not acknowledging the fact that they had cancelled the card in question at the beginning of XX/XX/year>, yet placed this fraudulent charge on my account on XX/XX/year> on the card that they had cancelled in early XXXX that they are now telling me that they are closing right now in XX/XX/year>. The level of ineptitude and lack of transparency is beyond pathetic and the response is extremely negligent and contradictory, it does not give me a proper explanation. And they further note that they have not put this issue to rest and may charge my card 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 non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
This complaint is not a duplicate. This is a new complaint based on continued issues with newly purchased card. Gift card was purchased on XX/XX/year> and an attempt to make a purchase were made on XX/XX/year>. Upon use of the card ending in XXXX, transactions were blocked at the merchant and subsequent merchants. It has been determined that there is a systematic scheme in place to purposefully deny use of the cards. I have attempted numerous times to use the card and resolve its issues with Incomm but to no avail. Incomm tells me to use the card at another merchant despite my attempts at different merchants. If a purchase attempt was at a specific merchant, why would one try to use it at another merchant? For example, if I was looking to pay my electric bill with the gift card, why would the solution be to NOT pay the electric bill and pay different merchant? Why am I not allowed to pay my electric company? This same issue is present with previous cards purchased. So instead of more replacement cards, I am respectfully requesting that a check with the purchase fee be sent to my address. Attached is copy of the receipt of the gift card purchase and the gift card itself. 

In response to a previous complaint reply from Incomm regarding a similar issue, the company stated that " enhanced security measures ... do not appear to function in XXXXXXXX XXXX XXXX desired capacity ''. I am respectfully requested the specifics on what is the " desired capacity ''. The gift card package of the product did not have specifics on how and when to spend the funds on the card. Without clear guidance on the package itself, how is a consumer able to know why declined transactions are for the sake of security? Is the intent of the gift card to spend the funds on the card that accepts XXXX? 

Why is it that when a consumer 's transaction is declined access to the funds on the card, that it is the consumer that is responsible to beg and plead to have the funds release for use? Per the letter, declining transactions on the card in addition to declining refund requests of the card itself effectively seals off the ability to use funds on the card. Is the consumer supposedly to simply throw away the card in the garbage if the transaction is declined and forfeit the funds since refunds will no longer be honored at the time of purchase?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NC

Complaint narrative:
For no reason at all my account was closed. I used it to store my investment funds and pay minor bills. Their reasoning was We no longer want a relationship with this customer. This put a hault to my daily transactions. US Bank. My account was also charged fraudulently prior to the closing & I was unable to resolve it.

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 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by : Capital One Bank Inquiry made on : XXXX To Whom It May Concern : I am writing to dispute the following information in my file I recently received a copy of my credit report and I notice there is an authorized credit inquiry Made by the company listed above. To my knowledge I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization and for no legitimate business purposes. As such it is very serious error in reporting. I never authorized such Action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the names, business addresses, and phone numbers of those who made the unauthorized credit inquiries so I may contact them directly. In addition I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf so that I may verify its validity.

If you find that I was not the one who authorized this inquiry I ask that it be removed immediately from my credit file. Please be kind as to forward me documents that you have had the Authorized inquiry removed. If you find thats its a error please show proof to me. Finally, I am requesting an updated copy of my Report, which should be sent to the address listed above. According to the provisions 612 ( 15USC 1681j ) there should be no charge for this report. 

Your immediate attention to this matter is appreciated. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation