vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX XXXX XXXX XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXXXXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX - XX/XX/year>XXXX  The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXXXXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting.

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 2025-01-05 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX XXXX XXXX XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting.

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 2025-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX has been trying to collect on an account that does not belong to me. I have been harassed for years and they refuse to remove off my credit. Ive submitted a police report. Ive never lived in the northeast where apparently the bank account was tied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I deposited my paycheck into my TD Bank account on XX/XX/year>. After the deposit, TD Bank unexpectedly closed my account and is refusing to release or return the deposited funds. When I contacted my employer to investigate, they confirmed that the paycheck has already been cashed, meaning the funds have been successfully transferred to TD Bank. However, the money is currently being withheld by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
To whom it may concern, I filed a borrower defense case on XX/XX/scrub> 2022 against XXXX XXXX University. When you file a borrower defense case against a school. They are automatically notified through the department of education. While under deferment and the case was pending. XXXX XXXX University used Sequium Asset Solution a debt collector to try and collect a debt. They negatively reported a debt to my XXXX and XXXX reports for months. Which harmed/ impacted me significantly. They knew and was notified. That lets me know it was done out of malicious intent to inflict harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
XXXX, Equifax, or XXXX did not follow the directions of my complaint. I did NOT ask for another investigation. AGAIN, this is NOT a dispute. Since you provided the results of an investigation, and I am within 15 days of receiving the results, I am now asking you to provide the method of verification under section 611 ( a ) ( 6 ) ( B ) ( iii ), which states the consumer reporting agency is obligated to give me with the name of the person or entity contacted for verification and a description of how the information was verified. 

With that said, regarding the item listed " XXXX XXXX XXXX XXXX '' I want to know the name of the person or entity you contacted for verification, describe how the information was verified, the address of the person or entity you verified the information with, and I want to know did you forward all relevant information, including my original letter and exhibits? XXXX claims the data furnisher verified the account, while listing XXXX XXXX XXXXXXXX XXXX  as the data furnisher, but XXXX XXXX XXXX XXXX sent a letter stating the court does NOT communicate and verify anything with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX, or Experian did not follow the directions of my complaint. I did NOT ask for another investigation. AGAIN, this is NOT a dispute. Since you provided the results of an investigation, and I am within 15 days of receiving the results, I am now asking you to provide the method of verification under section 611 ( a ) ( 6 ) ( B ) ( iii ), which states the consumer reporting agency is obligated to give me with the name of the person or entity contacted for verification and a description of how the information was verified. 

With that said, regarding the item listed " XXXX XXXX XXXX XXXX  '' I want to know the name of the person or entity you contacted for verification, describe how the information was verified, the address of the person or entity you verified the information with, and I want to know did you forward all relevant information, including my original letter and exhibits? XXXX claims the data furnisher verified the account, while listing XXXX XXXX XXXX XXXX as the data furnisher, but XXXX XXXX XXXX XXXX  sent a letter stating the court does NOT communicate and verify anything with the credit bureaus.

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 2025-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
For XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Identity, thieves have completely over-run my accounts and created situation where I may have to close my doors until further notice.

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 2025-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
A scammer by the name of XXXX XXXX proposed to sell me a house for sale at the address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX at first on XXXX which he provided access with a numeric key lock on the door which made him seem legit. He then proceeded to say that the house was sold and that I had to take another one at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which he did the same and my family agreed but was very skeptical He provided a chime account $ XXXX which XXXX said would be the way that he would take payment and this is would be the way that he would take rent. He never provided a key which he said he would on Friday and never proceeded to contact me back after taking the funds out of time and chime refuses to give me back my money I explained to them the fraud and they do not want to do anything about it nor do they want me to get the number for this account $ XXXX XXXX He also blocked his number that he originally called me with XXXX XXXX. He made a fake loans for both properties and also a rate fake receipt for me paying or him taking the money out better yet at this email address XXXX. this is the only information I have on him it would be nice for me to get my funds back this is not right I work a regular job and safe slowly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am currently going through a financial hardship. My pay was significantly cut at work and I am having a hard time making my payments. I called Capital One on XX/XX/year> to see if there was any sort of options that we could explore because I am making payments every month on time but I am still drowning in debt. The interest, almost 30 %, is eating me alive. I'm not looking for a charge off and I'm not looking to skip payments, I'm only looking to make some headway on this debt. I explained this to the agent on the phone and he said the only option they have is to waive late fees for 3 months. I have never been late on a card payment, so this assistance wouldn't actually do anything for me, which I explained to him. He said that they could not help. I asked to speak to his supervisor and she said " my agent already briefed me on the situation, and we have the same system so there's nothing else I can do for you. '' She said that I currently have the lowest interest rate on my card that they provide ( which is NOT true because my other card through the same company is a lower percentage, and so is my husband 's ). She advised me to call back in a few weeks to see if anything changed. I asked what the difference was between now and a few weeks, and she said " nothing, but you could try again. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: MI

Complaint narrative:
I am a data breach victim and have discovered fraudulent accounts on my credit report that I did not authorize or open. These accounts are erroneous and do not belong to me : XXXX XXXX XXXX ( {$510.00} ), XXXX  ( {$2900.00} ), and XXXX XXXX XXXX ( {$550.00} ). Under 15 USC 1681c-2 ( a ), I am requesting that all accounts associated with this fraudulent activity be immediately blocked and deleted from my credit file. You will find the necessary supporting documentation attached to verify my claim.

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 2025-01-05 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: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
AMSHER COLLECTIONS SE reported s debt of {$1200.00} which I have no knowers of. I have never did business with this company and have never signed any contracts with this company. The date for the collection account is XX/XX/year>. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMSHER COLLECTIONS SE Code : 15 U.S.C 1681 15 U.S.C 1681a ( 2 ) ( i ) I have a few reports on my credit profile that is incorrect and false. 
Failed to provide a wet signature, contract and documentation to prove the account belongs to myself. I have XXXX knowledge of any of these accounts. 
These Collection accounts violated Code 15 U.S.C 1681

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Claim ticket reference number for Wells Fargo XXXX. I disputed a charge to my checking from XXXX XXXX for a fraudulent charge to my card for the amount of {$430.00} on XX/XX/year>. Reported fraud to Wells Fargo and they gave me provisional credit on XX/XX/year> for the claim reference number XXXX for the full amount of {$430.00} after submitting a overwhelming amount of evidence of fraud committed by XXXX XXXX. ( Online payment to XXXX  XXXX, not in person ). Contacted XXXX  XXXX with an affidavit multiple times and tried reaching out multiple times but was ignored. XXXX  XXXX disputed the chargeback and Wells Fargo took away the provisional credit and told me its closed and I cant dispute or do anything about it anymore. When I requested the reason they granted the dispute to the company they stated They gave us a 24 page what seems to be a pre-made packet to challenge disputes. They agreed it was fraud but stated since the company contacted them back to dispute it I cant do anything about it. They also said the company lied stating I didnt send an affidavit and that was mainly why they agreed to the dispute. I sent evidence of multiple affidavits being emailed to them from the beginning and then on even during the dispute to try to resolve it with the company directly. I submitted it to Wells Fargo and they ignored it and denied my money back. They wont reopen my claim, refund my money. XXXX XXXX then stated since I filed a claim I wont be getting a refund from them at all now even though they were granted the chargeback. So Wells Fargo has locked me out of any options for refund and has kept my money.

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 2025-01-05 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: MO

Complaint narrative:
In accordance to the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USA 1681. Us Department of Education # XXXX, US Department of Education # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit report act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates in according to 15 USC 1681 ( e ) ( b ). And According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are not suppose to not furnish any information relating to a consumer to ant consumer reporting agency if the persons knows or has reasonable cause to believe that the information is inacurate

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 2025-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
on about XX/XX/year> I called Freedom mortgage about Escrow Disclosure Statement dated XX/XX/year> because I noticed my mortgage payment went up over {$500.00} a month. I called to address the reasons why my PMI tripled from {$210.00} to {$640.00}. PMI should never go up only go down. I was told they were going to do another assessment to correct. Nothing was done... Then on XX/XX/year> i sent an email to XXXX requesting they correct their mistake and return my PMI back to original amount which was agreed upon in the original closing documents. Nothing happened so I called them again on XX/XX/XXXX asking why nothing was corrected and was told yes they agree something is wrong and they were investigating. I asked if I could make a payment of {$2600.00} which is my normal payment of {$2500.00} plus an additonal {$100.00} because I knew my home owners insurance was going up {$100.00} a month. I was told at that time not to make the payment until this gets resolved. I asked for this to be documented, which they agreed and then asked if it would be better to do a skip payment this month since this issues is their fault l. I was placed on hold for an extended period at which time I requested a call back. Noone has called back. I fear they are stringing me along and fear they are putting my mortgage in jeapordy of default which will affect my livelihood.

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 2025-01-05 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: GA

Complaint narrative:
XX/XX/year>XXXX  I request all collections to be deleted off my credit report because of selling my debt to a 3rd party and my information

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 2025-01-05 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: GA

Complaint narrative:
XX/XX/year> I request all collections to be deleted off my credit report because of selling my debt to a 3rd party and my information

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