vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: MD

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: 3G+1, Inc. dba California Auto Finance
State: CA

Complaint narrative:
XX/XX/XXXX was hospitalized for a week XX/XX/XXXX spoke with XXXX XXXX informed them I was admitted into the hospital XX/XX/XXXX released from hospital called auto finance and asked for extension or deferment and gentleman stated he didn't have access to that information for some reason and to call back the following day XX/XX/XXXX called again they said they put it in the notes and would let me know if I qualified in a few days XX/XX/XXXX admitted into hospital for emergency XXXX XX/XX/XXXX released from hospital XX/XX/XXXX called loan company they said I didn't qualify for deferment on my account that they couldn't offer me that option but they would put a note on the account that I had reached out regarding the situation and someone would be in touch with me XX/XX/XXXX received a call from loan company stating that I was late and they saw that I was late due to medical emergency and they couldn't offer me an extension til the end of the month that the best they could due would be the following XXXX  I said I would call them XXXX  and update them on the status this was on XXXX  XX/XX/XXXX XXXX am my car was being respossed I called loan company to plead for that extension til XXXX  and they denied me told me to surrender my keys my car was only 17 days past due 7 days past the 10 day grace peiord. 
XX/XX/XXXX I called regarding my loan amount being different from the website and not matching my contract it stated an obscene amount higher and they stated that the website is never accurate if I want the correct amount I can only call and ask even though it's how I made my payments was through that website and they told me that I owed {$1800.00} to get my car back if the car lot would reinstate my loan they didn't know I only owed {$580.00} at the time of repo which includes my car insurance through them 2 = {$580.00} required to pay two car payments {$500.00} in repo fees in order to request return of car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: OH

Complaint narrative:
i recently reviewed my credit report and noticed that its fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my credit ability to obtain credit.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in XX/XX/year>, I enrolled my company, XXXX XXXX XXXX XXXX, up for credit reporting services with XXXX XXXX onlineXXXX XXXX XXXX XXXX  However, the company isn't reporting anything to the credit bureaus as it advertises. I enrolled in the basic package and when I pulled up my XXXX credit reports, I don't see XXXX listed at all. Also, on XX/XX/year>, I sent an email to XXXX XXXX customer service support about the technical issues I am experiencing as I tried numerous times to add the property management information and still no response.

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 2025-01-02 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: VA

Complaint narrative:
I am attaching materials confirming the continuing unlawful omission of my suffix and variation of my name and address. Each of the attached items arrived after I initiated my complaints. 

An identity theft report ( XXXX XXXX ) is currently pending with my local enforcement office ( concerning XXXX activity and recent omission of my suffix ). Failures to correct my name and address ( as previously requested ) could easily impede the investigation of the aforementioned report by local and/or state law enforcement. 

I have filed multiple reports seeking the correction of my name and address. Although this is a purely ministerial request, the attached materials ( transmitted via USPS ), however, suggest an almost comical, concerted effort to do otherwise. 

What may seem comical to TransUnion, XXXX, XXXX, and/or others, however, may be criminal in the eyes of state and local law enforcement, so I need to alert the CFPB to the attached. 

In an abundance of caution, I am also attaching a report revealing a mistaken date of birth. Although I was conceived in XXXX, I was born in XXXX. Alerting the CFPB to this report seemed the easiest was to eliminate any Date Of Conception ( DOC ) XXXX constructs relying on the attached or similar documents.

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 2025-01-02 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-02 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX CT XXXX Re : Validation of Debt for Account No. [ XXXX ] To Whom It May Concern : I am writing to request validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : XXXX. Proof that you have the legal right to collect this debt, including a copy of the agreement with the original creditor. 
XXXX. Documentation of the full accounting, including the original amount, any interest, and fees applied. 
XXXX. Proof of ownership of the alleged debt and how the amount was calculated. 
XXXX. Copies of any documents or contracts that show I agreed to pay the debt. 

I also request that you cease all communication with me, except for providing the requested information. Furthermore, I dispute the validity of the debt until adequate proof is provided. 

Please respond within 30 days, as required by law. If you fail to validate this debt, I request that you remove it from your records and cease all collection activities. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, several accounts on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following accounts and inquiries from my credit file. These accounts were opened without my consent, and I am taking the necessary steps to resolve the situation. 
Accounts to be Blocked and Deleted : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, several accounts on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following accounts and inquiries from my credit file. These accounts were opened without my consent, and I am taking the necessary steps to resolve the situation. 
Accounts to be Blocked and Deleted : XXXX. XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1600.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
To Whom It May Concern, I recently reviewed my EQUIFAX credit report XX/XX/XXXX and identified multiple inaccuracies and incomplete information. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they provide. The following accounts listed in my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX. XXXXXXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations of the Fair Credit Reporting Act : 1. Reasonable Accuracy Obligation ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning individuals. These accounts listed above have violated this standard by reporting incomplete or inaccurate data. XXXX. Treatment of Inaccurate or Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : Under this section : * If information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the agency is required to : ( i ) Promptly delete or modify the inaccurate item in the consumers file. ( ii ) Notify the furnisher of the modification or deletion of the inaccurate data. 3. Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : * Furnishers are prohibited from providing any information they know or reasonably believe to be inaccurate to consumer reporting agencies. 4. Prohibition of Reporting Inaccurate Data ( 15 U.S.C. 1681b ( a ) ( 1 ) ) : * A person is not permitted to furnish inaccurate information regarding a consumer if they know or have reasonable cause to believe the information is inaccurate. I demand that the inaccuracies be corrected immediately, unverifiable information be removed, and prompt notification of actions taken be communicated to me. Failure to address these violations constitutes noncompliance with federal law and infringes upon my rights under the FCRA. Action Items : * Remove or modify all inaccurate, incomplete, or unverifiable information from my credit report as required by 15 U.S.C. 1681i ( 5 ). * Notify all furnishers of the corrections made to my file. * Provide me with written confirmation that these corrections have been completed. Thank you for your prompt attention to this matter. I expect a resolution and written confirmation within the statutory time limit outlined under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good afternoon. Wellsfargo negligence. 
My case is extreme! {$75000.00} was ( hacked ) withdrawn from XXXX seperate accts at same time. XXXX ) business XXXX ) myself and my daughters savings. Also charged up my business line of credit leaving me {$900.00} mo payment. Was not notified for 3 days. Wellsfargo says they are not responsible for transactions even if I DID NOT INITIATE THEM. ( See attached ) They refuse to return money, although they stated in WRITING that it will be returned IN XXXX DAYS, delaying my ability to take action. Then closed case. If you would like further information I have all the documents etc.

I may be forced to go bankrupt and needed a portion of the $ for my daughters medical expenses. getting my story out can help alot of people to avoid this pain. 99 % have no clue what rights they sign away. Thank you so much. How can banks avoid jury trials and how are statutes implemented to take our rights away. 
I will not stop!!!!!!! 
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 2025-01-02 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
When our loan was set up in XXXXXXXX XXXX XXXX the underwriter assumed we had a XXXX balance in our escrow account and set our monthly payment accordingly ( {$1800.00} a month going go escrow ). We actually transferred our existing escrow balance from our prior lender to Shellpoint Mortgage. We have been trying to get this corrected since XXXXXXXX XXXX XXXX Our escrow balance is over {$18000.00} and our second payment for XXXX tax year is less than {$5000.00}. I requested a refund of the escrow surplus, and an adjustment to our monthly escrow amount to more accurately reflect the actual property taxes of about {$10000.00} a year. Despite this issue pending for months, I have yet to receive an updated escrow analysis to correct the over funding and the monthly payment amount. Despite my many requests, I can not get Shellpoint Mortgage to address this issue. They keep telling me it is under review. Please help me get an updated escrow analysis from Shellpoint Mortgage so I can resolve this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/XXXX purchased a sleep number bed using their store credit card underwritten by synchrony. The sales associate said that as long as I made my monthly payment, I would not be charged interest. Set the payment to automatic withdrawal from my bank. 
XX/XX/XXXX charged {$2600.00} for deferred interest. Did not receive notice of any kind that this was to be charged to my account. 
XX/XX/XXXX received email that I would be charged for printed statements unless I opted out. Logged into my account, saw the balance discrepancy and called synchrony. Communicated via chat to front line worker then supervisor then called synchrony. All refused to remove the exorbitant interest charge even I after I offered to pay off the balance I owed. They threatened me with more interest charges and late fees if I refused to pay.

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 2025-01-02 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I am requesting that the following accounts and inquiries be blocked and deleted from my credit report as they were compromised due to the breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts and inquiries : Accounts to be Blocked and Deleted : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$140.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$560.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$44.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$270.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
I am writing to inform you that I am a victim of a data breach, and I am requesting that the following accounts and inquiries be blocked and deleted from my credit report as they were compromised due to the breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts and inquiries : Accounts to be Blocked and Deleted : XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$140.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$560.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$44.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$270.00} Inquiries to be Blocked and Deleted : XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation