vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: CO

Complaint narrative:
I recently discovered several unauthorized accounts on my credit report, suggesting possible identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they do not accurately reflect my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are severely affecting my ability to achieve important financial goals, such as buying a home and providing for my family. I urge you to address this issue without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 
XX/XX/XXXX - amount {$26000.00} XX/XX/XXXX - amount {$0.00} XX/XX/XXXX - amount {$0.00} XX/XX/XXXX - amount {$910.00} XX/XX/XXXX - amount {$520.00} XX/XX/XXXX - amount {$1300.00} XX/XX/XXXX - amount {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
TransUnion has not conducted a reinvestigation on my alleged negative items because the alleged debts on my credit report is reporting negatively on my credit report. No purchase agreement and documentation from TransUnion about the alleged debt.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXXXXXX 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
I don't recognize these names and addresses, please remove them. Thank you. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY 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 2025-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear, XXXX XXXX am writing to request an investigation of the following information on my XXXX credit report : Dispute 1 : The charge-off of an obligation with SANTANDER CONSUMER USA is incorrect . The following is the identifying information of the error : Account # XXXX Date of incorrect reporting : XX/XX/XXXX Explanation of my dispute : The account is reported on my credit report as Charged off as bad debt Profit and loss write-off, by law I should have been provided a 1099 c due to the account being written off on SANTANDER CONSUMER USA taxes.

Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
in XXXXXXXX XXXX XXXX I disputed a charge for {$500.00} from XXXX cruise line. 
Capital One received information from XXXX. Capital one then requested information from me of which I provided them multiple PDF 's that provided the information to support my dispute. 
Of which Capital One was insistent I was provided a voucher from XXXX of which I never received. They never provided me a refund, credit or voucher of any kind. 
I had other related charges from XXXX that were disputed that I was awarded. But for some reason this particular one I have not won because of said " voucher ''. 
I have attempted numerous times to reach out to XXXX with no success at all. 
Capital one whom I have had for over ten years and never did a dispute until XXXXXXXX XXXX XXXX XXXXnd never had problems with until now. I am treated unfairly and unable to get this one dispute resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was a victim of card skimming. The scammer took {$400.00} from my account. 5 total transactions were made.

4 transactions were made at a XX/XX/year> XXXX XXXX. The last one was made at a XXXX. I disputed it with my bank but they denied my claim because the pin was used. I used the pin initially to pump gas for {$3.00} for my motorcycle. Since they denied my claim, I filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$2700.00}, XXXX XXXX XXXXXXXX Balance : {$2100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request the removal of an unauthorized hard inquiry from my credit report. I recently reviewed my credit report and noticed an inquiry from XXXX XXXX Oportun XXXX XX/XX/scrub>/23, which I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be made with my explicit consent or in connection with a credit application I initiated. I have no recollection of authorizing this inquiry, nor have I engaged with XX/XX/XXXX/Oprtun regarding any credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year> a scammer stole {$800.00} via XXXX. There is a scammer who has infiltrated different mom groups to scam XXXX XXXX tickets. I know that it happened to two people at least within a few hours yesterday, including me. The hacker hacks into someones account - this time in the XXXX XXXX XXXX XXXX XXXX XXXX and poses saying they have tickets that they are no longer using and want to sell to friends in the group for first dibs. THe conversation sounds extremely realistic and like that mom in the group. For myself, I used XXXX to send her the money and then once the email of the tickets came in I realized it was fake because it was from a different email address and had fake tickets. By then my XXXX was sent. I called my Bank XXXX BofA but XXXX is not protected so now unless they catch this hacker and these funds I am out the {$800.00} i paid. 

I sent the below message to BofA and spoke to someone multiple times and they said I could not get my money back. I also reported this incident to FBI crimes and local police. 

I am writing to you as a Bank of America customer who recently experienced a significant financial loss due to fraud on my account using XXXX. I am writing to you in the hope that you can help me resolve this issue as soon as possible. 

I was informed by the Bank of America customer service team that the funds transferred through XXXX to a US Bank account can not be recovered. I understand that your team worked on investigating the matter, but I am deeply troubled by the fact that other people impacted by a similar scam who used XXXX were able to get their funds back. I expected XXXX to be even safer than XXXX because it is part of my trusted bank. This makes me lose my trust in the bank and using XXXX. 

As a loyal Bank of America customer with a family to support, the loss of {$800.00} due to fraudulent activity has had a significant impact on my finances. I have always appreciated the excellent service and security measures provided by your institution. However, this recent incident has caused me immense distrust with the bank and using 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 2025-02-25 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: GA

Complaint narrative:
I have requesting copy of the original contract or the purchase agreement that created the alleged debt. The proof of chain of ownership of the alleged debt. I know I been requesting Experian to provide me with the documents numerous times by certified mail. Experian is reporting fraudulent inaccurate information on my credit report. I have information with bankruptcy on my credit report, but I don't have a Bankruptcy and NEVER receive documentation of the negative items on the copy of the credit report I have attached with this email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-02-25 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: IL

Complaint narrative:
I recently discovered multiple unauthorized accounts on my credit report, suggesting possible identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they do not accurately reflect my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are severely affecting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I urge you to address this issue without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I closed my escrow account in XX/XX/XXXX. The reason for closing was because ai was not given an itemized receipt of what my escrow account was paying for and what was being transferred after paying my taxes and home owners insurance. 
I was not allowed to pay my home insurance, so I requested to reopen my escrow account XX/XX/XXXX. O did not receive a call or any communication via there portal, so I asked again XX/XX/XXXX. I called XX/XX/XXXX to reopen my escrow account and paid {$8000.00} into it. Freedom mortgage paid my taxes and escrow last year XXXX, so there was not an issue so I thought. I received a letter that they were not paid I sent another message XX/XX/XXXX letting them know I received a letter that my taxes were not paid. They replied XX/XX/XXXX that I dont have an escrow account it was closed in XX/XX/XXXX, so they applied to my principal ( without my permission or approval ). Then they sent another message saying they sent me a do umber in the mail to get a declaration page. The letter is dated XX/XX/XXXX. I did not receive this letter and i called XX/XX/XXXX. This does not add up. They tried to refinance my loan ( XXXX XXXX ) and told me it shows my taxes and insurance were paid. That was a lie. I requested they send my {$8000.00} back so I can pay my taxes and home owners insurance XX/XX/XXXX. I called spoke to several agents saying I would receive my money back. I inquired again on XX/XX/XXXX about the return of my funds. XX/XX/XXXX they are asking for my routing number to ensure the funds are sent to the right account. I sent them the information the banking information the same day. I received a letter that I will have to pay all these fees for my taxes being late today XXXX XXXX, XXXX. I call again. I was on hold for a long period of time. XXXX XXXX XXXX asked the same questions, said she was confused. Asked me several time did I submit in writing ( which is available on there portal ). I explained the severity of me needing my money back and they still have to ask for approval. I am beyond frustrated with how neglectful they are handling large sums of money. I do not feel as though my loan is safe with them or being handled properly.

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 2025-02-25 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the consumer reporting agency XXXX, block information appearing on my consumer credit report that is a result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections that appear on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report you maintain, which shows the afore mentioned fraudulent items. I do not recognize the afore mentioned accounts, collections, charge off or hard inquiries as reported. The afore mentioned accounts, collections, charge off and hard inquiries that appear on my consumer credit report you maintain were not opened, made, or initiated by me. All of the above accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint No. ( XXXX ) as proof from the U.S. Federal Trade Commission that all of the above consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have also attached evidence of my identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Total Card, Inc.
State: VA

Complaint narrative:
XXXX  XXXX XXXXTotal Card shared information with unauthorized third party, XXXX XXXX XXXX XXXX 
Per XXXX, account charged off as of XX/XX/year>. XXXX  XXXX XXXXTotal Card failed to provide an IRS Form 1099-C. This is a direct violation of tax code as XXXX  XXXX XXXXTotal Card charged off account and received credit. 
XXXX  XXXX XXXXTotal Card is in violation of 15 U.S.C. 1681 ( FCRA Violations ) which covers improper credit reporting and unauthorized access to consumer data and 18 U.S.C. 1028 which covers identity theft and fraudulent use of personal information as a collection account was opened with out my authorization.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
This account is being inaccurately reported without proper verification as I am entitled to by the FCRA Laws and my Consumer Rights. Also this account is not in compliance with IRS regulations and is potential Tax Fraud

Company response to consumer: Closed with explanation