vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and the equifax data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) XXXX XXXX XXXX XXXX  bal {$1600.00}, XXXX XXXXXXXX XXXX bal {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$16000.00}, XXXX XXXX XXXX XXXX {$0.00}. 

Fraudulent Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I checked my personal credit report, which I acquired from your organization and I noticed that these unauthorized inquiries had been made : XXXX XXXX : XX/XX/XXXX, this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. XXXX : XXXX XXXX, XXXX, this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. XXXX : XX/XX/XXXX, this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. XXXX : XXXX XXXX, XXXX, this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

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.

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 2025-02-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute Letter Civil Liability for Negligence under 15 U.S.C. 1681o Dear Consumer Financial Protection Bureau I am writing to formally dispute inaccurate and/or improperly handled information under the Fair Credit Reporting Act ( FCRA ). Specifically, I am asserting civil liability due to negligence as outlined under 15 U.S.C. 1681o.

The matter pertains to [ describe the issue, such as an inaccurate credit report entry, failure to investigate a dispute, or improper sharing of information ]. The details of my claim are as follows : Account Name/Number : Date of Dispute or Incident : XX/XX/year> Nature of Negligence : [ Explain the negligent action, such as failure to conduct a reasonable reinvestigation or failure to update/correct information after being notified ] I have previously attempted to resolve this matter by [ mention prior actions taken, such as submitting disputes, contacting customer service, or providing supporting documents ], but the issue remains unresolved.

Under 15 U.S.C. 1681o, you are liable for failing to comply with the FCRA due to negligence. As a result of this failure, I have suffered damages, including but not limited to [ list any financial losses, credit denials, emotional distress, or other harm suffered ]. 

To resolve this issue, I request the following : Immediate correction or deletion of the inaccurate information.

A detailed written response confirming the actions taken.

Compensation for damages suffered due to this negligence, if applicable. 

If this matter is not resolved within [ reasonable timeframe, e.g., 30 days ], I will be compelled to pursue further legal action, including seeking damages and attorney fees as permitted under the FCRA. 

Please consider this letter a formal notice and take the necessary steps to rectify the situation. I expect your prompt response to address this matter appropriately. 

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 explanation
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Last year my husband and I were in Loss Mitigation due to loss of job and unexpected medical illness. The company gave us the option to defer 5 payments but continuously reported our account to the credit bureau as late. We were told that when an account goes into loss mitigation or forbearance that the reporting is stopped. That didnt happen. They deferred our payments until XXXX XXXX  and should have reported it in forbearance. On XX/XX/year>, Freedom Mortgage reported our account as 120 days past due when in fact it was current. When I asked them to update this they told me they would have to research it and get back to me. They never got back to me and the account status still reflects XXXX past due. We have had continuous trouble with this company as they added their own mortgage insurance onto our account without notifying us and 4 years later we found out because we needed a roof replacement. XXXX forbid something would have happened to our home. We would have had nothing because of the carelessness of this company. Now they are telling us that we have to pay more on our mortgage because of an escrow balance even though we purchased our own homeowners insurance and sent them proof. They are not only paying our current homeowners insurance premium to XXXX XXXX but they have refused to remove their mortgage placed insurance resulting in our mortgage going up {$400.00} a month. They continuously send people to our home to take pictures without notifying us. They have been the most difficult mortgage company that we have ever dealt with. They are very uncooperative and unorganized. Most of the time when we call them they have no clue whats going on with our account and never follow up on anything. They have done detrimental damage to our 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 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
In XXXX I received a loan the amount of {$12000.00} dollars from Onemain Financial. I paid on this loan for 2 years ( {$420.00} ) until I lost my job due to my mental health.I tried several times to make payment arrangements that were not acceptable because my payments were to low. Onemain is currently sueing me over this matter and asking for {$14000.00} dollars. XXXX XXXX XXXX has filed a judgement, and wage garnishment against me that I can not afford to pay. When checking my credit report the debt I owe to the original creditor ( onemain ) has been charged off. XXXX continues to harass me on a regular basis, and its beginning to affect my mental health. Onemain is reporting incorrect information on my credit report which is also a violation of my consumer rights, and protections. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to let you know that about my concerns about Zelle and my disputes not being handled properly. CFPB has brought to light and enormous amour of issues with the platform. Even though I use Zelle on a regular and reporting my issue and problems. My financial institution did not investigate my claims properly. I was told that my funds would not be able to be get them back and they could not track them either. Zelle did not protect consumers and also allowed the same consumers to exploit the system, leaving people vulnerable to scams. The fact that they never took accountability is beyond unexceptional and they need to be help responsible to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I got a capital one platinum card I isnt apply for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: OR

Complaint narrative:
I was sent a letter by a company in XXXX saying that they were suing me for a debt that another collector had just received notice of dismissal by the court. 

I explained this to them and they said no this is a different debt that originated at XXXX XXXX  I said yes I only have checking and savings. Credit cards are through XXXX XXXX and one of the two credit cards is only XXXX XXXX XXXX I had the XXXX XXXX checking account for 15 years and the credit cards 10 years they are trying to combine all of the credit cards that were dismissed in court I gave her the fourth doc number and date. She said that they will need a police report that. I dont know why for what. This is something else as dates have been changed to the advantage of themselves

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 2025-02-11 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: NV

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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
Consumer complaint received 2025-02-11 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: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against TransUnion and XXXX for violating the established credit reporting guidelines regarding medical debt. According to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the policies implemented by the major credit bureaus, medical debts should not be reported on a credit file until at least XXXX months after the date of first delinquency. However, XXXX has reported a medical debt to TransUnion after only XXXX months, which is a clear violation of these rules. 

This premature reporting has negatively affected my credit score and financial standing. I request that TransUnion immediately remove this improperly reported medical debt from my credit file and that XXXX correct its reporting practices to comply with the required XXXX waiting period. 

I am asking for an immediate investigation into this matter and for written confirmation that the disputed item has been removed. If this issue is not resolved promptly, I will consider taking further action, including legal remedies and filing complaints with other relevant regulatory authorities. 

Please address this matter urgently. I can be reached at [ your contact information ] for any additional details. 

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I called Transunion and let them know I was a victim identity theft. And that the XXXX inquiries on my credit report were fraudulent and unauthorized. I have recently filed a FTC report that I will attach as well. Nothing has transpired yet from Transunion. Attached will be a complete list of all XXXX inquiries.

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 2025-02-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I called Transunion and let them know I was a victim identity theft. And that the XXXX inquiries on my credit report were fraudulent and unauthorized. I have recently filed a FTC report that I will attach as well. Nothing has transpired yet from Transunion. Attached will be a complete list of all XXXX inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-11 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/year> i filed a claim against Unclaimed Property Division Wyoming State Treasurer 's Office bceause coinbase liquidated my digital assets now i am currently on wait to claim my funds back, first they told me it was going to take 3/4 weeks when i got back in touch to check my current status they told me it was going ro take 3/4 months for my claim to be reviewed. I think this is a violation to my rights as a consumer as i was promised something and now they give me a total different answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-11 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: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

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