vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL, XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN, XXXX Cease and Desist Letter To whom it may concern, I am writing to lawfully demand that Jefferson Capital Systems cease all forms of communication with me relating to any alleged debt you claim I owe. This communication includes, but is not limited to, phone calls, letters, emails, and reports to any credit bureaus, XXXX, XXXX and XXXX. 
Supported by the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), this is my petition that you stop all forms of communication with me. Jefferson Capital Systems did not extend any credit creating this alleged debt. Therefore, they are not considered a debt collector under the law. This letter serves as my formal notice.

Furthermore, I must address that your reporting of this alleged debt to the credit bureaus is unreliable and unverifiable information sent to the credit bureaus. This is not only a form of communication but also holds a potential violation against the Fair Credit Reporting Act, 15 U.S.C. 1681s-2. If the debt you are reporting is incorrect, outdated, or unprovable, I insist that you immediately withdraw it from my credit report. On my behalf, I did not validate this unproven debt by not challenging it within my original 30-day period which is supported by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please note that any further attempts to contact me or report this alleged debt without proper validation will be considered harassment and a violation of my rights under federal law. This validation needs to include the original creditor 's name, the amount of the debt, and proof that Jefferson Capital Systems has the right to collect the debt. If you disagree to comply with this petition, I will proceed to enforce all legal actions to protect my rights.

In conclusion, I would like to request a written confirmation that all communication has been ceased with me. Also, that any erroneous reporting is rectified. Send all correspondence to the address listed above. 
Thank you for your immediate assistance with this matter. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I while back ago maybe like XXXX  I had sent money to someone but it was the wrong person. Dont realize until the person told me they didnt receive anything. When I contacted my bank in regards to this they basically said we cant do anything about it just be careful next time. There was no warning or anything telling me hey double check this is who you want to send it too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MD

Complaint narrative:
These unauthorized agencies XXXX, XXXX and Equifax are sharing and reporting my personal information without my wet ink signature and permission. This is identify theft and a violation of my privacy according to 15 U.S Code Section 1681 ( 4 ). In result of this I am requesting that all negative information be removed from all three Agencies within 4 days of receiving this consumer complaint. Thanks for your help in this process. 

Thank you, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 unauthorized agencies XXXX, Experian and XXXX are sharing and reporting my personal information without my wet ink signature and permission. This is identify theft and a violation of my privacy according to 15 U.S Code Section 1681 ( 4 ). In result of this I am requesting that all negative information be removed from all three Agencies within 4 days of receiving this consumer complaint. Thanks for your help in this process. 

Thank you, 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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Right before thanksgiving, XX/XX/year>, I was a victim of fraud/scamming. I immediately reported it to my bank and filed all the appropriate paperwork. I was guaranteed I did everything right and there are no other connected accounts and no one else will be affected by this. I was assured the account was blocked from all transactions depositing and withdrawing from the account. 4 days later my paycheck was deposited into the account although I was ASSURED that wouldnt happen and Id get my paycheck. Later on my sisters account was wiped 4 separate times amounting close to {$8000.00}. Citibank states they have a right to drain related accounts. But once again Citibank told myself, my dad, and my sister that our accounts arent connected in anyway and that they have no idea how her account was even touched. We later find out they had our social security numbers filed as the same person. Which I have been trying to resolve for years. Once again I have gone into several branches and asked them to change the social on my account to my own as it always gives me a hard time and locks my account stating my social doesnt match on the account. The fraud department directs me to go into a branch and they will resolve this then when I go in the branch employee says they wont do anything and says I have to call fraud back. We have been going in circles for months and Citi is refusing any debits to either account and still hasnt closed the fraud case. Each time I call trying to get an update they say the account does not exist yet money keeps transferring to the account. So Citi is scamming their members by not clearly seeing fraud that was reported then wiping other peoples accounts and stating they have the rights to do that. Yet everyone Ive talked too in person or over the phone is baffled how the money was even transferred.

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 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I have had 2 prior incidence with Rocket mortgage. About 5 years ago. I had my home appraised at a Value around XXXX dollars with another company. I eventually choose not to get refinanced at that time. However about a Month or two late. I then decided to try again with, but with Rocket Mortgage. They sent there person to appraise my home. They came back with a low ball appraisal, almost XXXX lower. I was shocked because I had just done an appraisal prior and had been much higher. I just decided not to go with the refinance at that time. I did check with two or more sites and every other appraisal quote I got was at the XXXX or even higher. It was obviously they were racially profiling me, or trying to low ball my home value. That wasnt the first incident with rocket mortgage. A representative cold called me regarding a potential refinance. He saw my rate was around a 6 % percent and quoted me a lower rate. He asked about my XXXX/ or Credit Score I told him my range was around XXXX. He stated that he could get me to an APR,,, around 4 %. He actually insisted to do a Hard Credit run on the phone. This caused a hit on my credit report. He then stated yes everythings good. I then did the application over the phone, paid a XXXX or XXXX dollar app fee. Then a week later he called me back saying he could only move the APR to a 5.4 %. from a 6 %. I said its not worth doing this refi. So it was a Switch an Bait call. He never intended to give me a 4 %. Then I lost my XXXX dollars as well. He did try to push or hard sell me to just go ahead with it, and we could do it again in another year. I was very upset, XXXX XXXX dollars and took a hard hit on my Credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an accuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair act reporting ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: VA

Complaint narrative:
I learned a lien was filed against my home on XX/XX/XXXX from Discover Financial claiming I owe them {$3700.00}. I reached out to customer service on XX/XX/XXXX to advise I have no such accounts with Discover Financial and requested the immediate removal of the lien in question. I also sent a letter to that effect, but got no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to Remove Unauthorized Hard Inquiries Dear Experian, I am writing to formally dispute the accuracy of certain hard inquiries appearing on my Experian credit report. Upon reviewing my report, I have identified several inquiries that I do not recognize or authorize. These inquiries are negatively impacting my credit score and need to be verified or removed. 

The inquiries in question are as follows : 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 I kindly request that you investigate these inquiries. If these inquiries can not be verified as authorized by me, I ask that they be promptly removed from my credit report as per the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of my identification and supporting documents for verification purposes, along with a copy of my credit report with the disputed inquiries highlighted. 

Please notify me in writing of the results of your investigation at your earliest convenience. If additional information is required, feel free to contact me directly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have a free experian account that I use infrequently. They send me emails often to get me to purchase their {$26.00} a month service, but I use the free one. I noticed they started charging me in XXXX for the premium service. I called them -- it took 30 minutes and several calls to outsmart the voicemail and actually get to talk to a person, a small win, but I'll take it. So, the person from Experian tells me that I ordered the premium service when I " clicked '' to see all 3 credit reporting agencies. I told her I thought that was sneaky and underhanded. I didn't want to order the premium. How many others have been tricked like that? Anyway, she told me I could not get a refund for the two months ( XX/XX/XXXX, XXXX ) because that was their cancellation policy. I informed her that I would make my complaint with CFPB before Trump can dismantle you all. Thank 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 monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I received a copy of my credit report and I noticed ive been added as a authorized user. I wasn't aware of this matter until today ( XX/XX/year> ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I attempted to make a credit card payment to CapitalOne from XXXX XXXX account using ACH ( routing number and account number ). On XX/XX/year>, the transaction of {$500.00} went through and the funds were removed from the XXXX account. They were then credited to the CapitalOne account. On XX/XX/year>, the funds were removed from the CapitalOne account with an error note that the account number was not right. CapitalOne claims the money was never taken from the account. XXXX claims it was and that it was never returned. I contacted XXXX who essentially told me there was nothing that they could do. XXXX initially told me that they had seen the refund and that it would take 3-5 business days from XX/XX/year>. Speaking to them again they claim that they do not see a refund. CapitalOne indicates that their system shows that no money was ever taken from the XXXX account. CapitalOne is investigating but it sounded very much like a lost cause when I was speaking to their associate. 

Attachments include the email chain with XXXX regarding what occurred including the trace number. Returned payment email from CapitalOne. Account statements from XXXX and CapitalOne.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX has the following information incorrect on my XXXX and equifax report XXXX Last Reported : ( Dates do not match ) Date Last Active : ( Dates do not match ) Date of Last Payment : ( Dates do not match )

Company response to consumer: Closed with non-monetary relief