vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-26 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: U.S. BANCORP
State: NY

Complaint narrative:
I reserved an XXXX in XXXX and XXXX for XXXX XXXX this year. I was charged {$2200.00} in two charges for this. We had a major safety issue that the hosts, XXXX and my credit card Company ( US Bank ) failed to compensate us for. US Bank denied my credit card dispute and I want that to be reversed. Details below : We had a big safety issue in our XXXX with unsafe infrastructure. A big glass panel in the shower broke onto me while I was taking a shower. I did not misuse or make contact with it other than close the door to take a shower. I have injuries and proof of injuries as shown in the photos attached. 
The hosts threatened to charge the bill ( for damage ) to me, when they are the ones who did not make sure the glass was safe for me to use and their home was safe for me to stay in. Please help me as this was a life threatening situation and I need compensation for physical and mental wellbeing. 
As you can see from the photos, the glass fell straight down. It is not in an angle because I was not in rough contact nor did anything else touch it. It just came showering down glass pieces all over me. You can see from the photos as well how much I am bleeding from the cuts from glass. 
In addition, the hosts got a cleaner to come into our XXXX at XXXX with no forewarning while we were asleep. We were not alerted that people we do not know had or have access to our XXXX where we are as well as our valuables. We were also not alerted that they were sending people we do not know to enter the premises in the early morning. We were caught unaware and once again I feel my safety was in danger with this situation because of the host.

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 2025-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Here is 1 of the many letters I sent : XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX, CA XXXX XXXX XXXX Bank of America Atten : Notice of Error and Request for Information XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : : Loan # XXXX To whom it may concern : Subject : Urgent Inquiry Regarding Wire Transfers for Homeowners Insurance Dear Bank of America , I am reaching out regarding a significant issue with wire transfers that Bank of America has allegedly been sending from my mortgage impound account to cover my homeowners insurance. According to Bank of America, payments have been made to XXXX XXXX on the following dates : XX/XX/XXXX : {$1500.00} XX/XX/XXXX : {$1600.00} XX/XX/XXXX : {$2800.00} However, XXXX XXXX has informed both me and Bank of America that they have no record of receiving these payments. I have been paying my homeowners insurance directly to XXXX on a monthly basis for years and have never authorized such transfers from my mortgage impound account. 
Despite multiple requests over the past XXXX months, I have not received proof of these wire transfers. Ive been informed that these payments were supposedly sent to Policy # XXXX, but without verification, it is difficult to resolve this issue. 
I have made numerous calls to different departments to address this situation : Escrow : XXXX XXXX XXXX ) Insurance : XXXX ( XXXX ) Billing : XXXX Customer Resolutions : XXXX XXXX ( XXXX ) Insurance Department : XXXX ( XX/XX/XXXX, requested to cancel homeowners insurance ) Customer Relations : XXXX Escalation Specialist : XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XXXX messages and spoke to multiple representatives ) Local Bank : XXXX XXXX, XXXX  XXXX XXXX Manager ( XXXX ) XXXX XXXX, through XXXX XXXX and my broker XXXX XXXX ( XXXXXXXX  ) , has requested this information to facilitate an internal investigation. Service Requests XXXX and XXXX have been submitted by XXXX, but I am still awaiting a resolution. 
Each time I contact Bank of America, I am unable to speak with the same representative, forcing me to repeatedly explain the situation. This is causing significant delays and frustration. 
I urgently need assistance to resolve this matter. Please provide the requested documentation or direct me to someone who can help finalize this issue as soon as possible. 
Thank you for your prompt attention to this matter. 
Regards, XXXX XXXX Bottom line, they claim they paid the Home Owners Insurance, yet my insurance company, XXXX, doesn't have a record of the wire transfers on the direct deposits.

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 2025-03-26 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: PA

Complaint narrative:
I am reaching out to express serious concerns regarding discrepancies in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing inconsistencies, and accounts that do not belong to me. These errors are affecting my financial well-being, and I require your immediate assistance in addressing them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
disputed the card as fraud. they deemed it was correct. mailed out a 30 day letter dispute. and also a fraudulent document providing information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-26 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XX/XX/year> WITH ALLY FINANCIAL SERVICES I DID NOT ATHORIZE THIS INQUIRY ON MY REPORTS THIS IS FRAUD. 
I DID NOT GET NO ALERTS OR CALLS CONFIRMING THIS INQUIRY According to 15 US C 1692C you have violated my rights by in lawful communications. Please remove this collection off of my credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XX/XX/25 certified mail sent to Caine and Weiner disputing debt and request that they provide proof they are authorized/licensed to collect debt in my state of residency ( Florida ) per XXXX  they are not authorized to collect debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: LA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-03-26 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: MN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-26 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: MOHELA
State: IL

Complaint narrative:
This a student loan debt that should be cleared based on the fair credit act. There are several marks made by this particular company on my credit report that are incorrect as far as the amounts owed. This company is unable to give me the original debt owed at this time. The amounts that are on my reports are incorrect and the date are not correct either and all inquires from this company should be removed for incorrect information reported that is damaging my score. This debt should be removed from all my credit profiles immediately. The company is MOHELA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: AL

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 non-monetary relief
Consumer complaint received 2025-03-26 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: AL

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 2025-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have printed out my credit report and realized that there is collections or inquiries on it that I have no knowledge of and incorrect inquiries on my report from multiple sources. Please have these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: OH

Complaint narrative:
Upgrade inc. will not cancel auto pay as discussed on two phone calls that were recorded. I requested on XX/XX/year> and XX/XX/year> to turn off auto pay and they said they would but they keep turning it back on with out my authorization. I havent missed and payments and would rather pay when they are due rather thank have auto pay turned on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX 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 - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 2025-03-26 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: FL

Complaint narrative:
I am filing this complaint because Experian is reporting multiple unauthorized accounts on my credit file without my consent. These include accounts from XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never opened or authorized these accounts, yet they appear on my credit report. 

On XX/XX/year>, I submitted a formal dispute to Experian and filed an initial complaint with the CFPB under case # XXXX. Despite this, Experian has not responded, which violates multiple sections of the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Duty to reinvestigate disputed information.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) : Obligation to notify the data furnisher within 5 days.

15 U.S.C. 1681i ( a ) ( 6 ) : Obligation to provide the results of the reinvestigation.

In addition to FCRA, these actions also violate the Truth in Lending Act ( TILA ), the Gramm-Leach-Bliley Act ( GLBA ), the Right to Financial Privacy Act, and UDAAP regulations. Ive requested original signed contracts or documents verifying that I authorized these accounts, but Experian has failed to provide any proof. 

As a result of these violations, I have suffered increased interest rates, credit denials, and emotional distress. XXXX failure to comply with the law has significantly harmed my financial stability.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXX/XX/XXXXXXXX INQUIRIES XXXX CARD - XX/XX/XXXX, XXXX - XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/year>. My PayPal Account Was Compromised. Someone Illegally Accessed my PayPal Account, Changed my PayPal account password, and added XXXX fraudulent Phone Numbers ( XXXX ) XXXX. 
( XXXX ) XXXX. 
and Added XXXX fraudulent Emails ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) to my PayPal Account, and Stole my {$590.00} and another {$0.00} from my PayPal Account. Remember that only these XXXX Transactions were Unauthorized. These funds were Transferred to a person 's XXXX XXXX. Please Review my Account and help me to get my Funds Back in my PayPal account I Need to Pay My Medical Bills. 

My Account Details : Account IP Address : XXXX Name : XXXX XXXX XXXX : XXXX Phone NO : ( XXXX ) XXXX Last XXXX Digit of XXXX : XXXX Last XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Home Address : XXXX XXXX XXXX XXXX, XXXX, LA XXXX.

Company response to consumer: Closed with explanation