vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: CO

Complaint narrative:
On or bout XX/XX/XXXX, {$1200.00} was taken out of my account fraudulently. Due to a flash pay to an unknown individual. It was taken out in 3 separate transactions once I figured this out, I reached out to NETSPEND which is metabank. And they were told of the situation. It took almost a month for my funds to be reimbursed, which ultimately caused late fees and other violations and lowering of my credit score!! due to me not being able to pay my bills on time. Now, on XX/XX/XXXX of XXXX, I was once again unable to access my account again!!! This is not the first time i have lost access to my account!!! After going through a very stinguous experience of having to verify myself multiple times I was told that my account was restricted due to someone trying to access my account once again on XX/XX/XXXX of XXXX. At this time, I was told that I had to wait for them to give me a call to verify that it was actually me on the phone and that my account would have to be closed and a new account open to resolve the problem. This has happened multiple times and for this to happen twice in a span of 3 months is very unacceptable. And I truly believe something needs to be done immediately. I have alerted them and let them know that I have reached out to the CFPB, And was reached with negative feedback from the agent.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reaching out regarding my XXXX XXXX XXXX XXXX account to request an update to a late payment reported in XXXX. Unfortunately, I was hospitalized in XXXX due to a XXXX XXXX which significantly impacted my ability to function properly or work during that time. I was very emotional and highly concerned Supporting documentation of my medical situation is enclosed for your reference. I take my credit obligations very seriously and have maintained an excellent payment history on this account prior to the XXXX incident. I kindly ask for your assistance in honoring this one-time request to update the late payment, given the extraordinary circumstances. I would greatly appreciate your understanding and support in this matter.

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 2025-01-27 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: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi All, I have a XXXX account ( username : XXXX  ) where I sell items. On XX/XX/XXXX my account was hacked and the hacker changed the email and bank account associated with my XXXX  account. Since I was still logged into the app, I didn't notice and continued to sell items on the account. The hacker withdrew funds from my account to their bank account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$270.00}. I noticed something was strange and reached out to XXXX  on XX/XX/XXXX. XXXX  refused to investigate and stopped responding. I changed the email, password, and bank account associated with my account, but i still am unable to recover the lost funds. The hackers ' email and bank account information are XXXX and JPM chase last four digits XXXX. I was hoping you could reach out to XXXX  for assistance and JPM chase to shut down the account / acquire the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
I want reported accounts removed.

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-01-27 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: Affirm Holdings, Inc
State: AL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I have previously contacted Trans Union regarding correcting and deleting information on my consumer report. I have disputed this information and Trans Union continues to report this information that I have stated is incorrect. They are in clear violation of the law, under15 USC 1681b. Permissible purposes of consumer reports. The Law Clearly States ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my my consumer report? Furthermore, the Fair Credit Reporting Act 5 USC 1681 ( 2 ) ( a ) ( i ) : Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report ; Delete Late payments from my consumer reports this agency is in violation of15 USC 1681 et seq. , governs access to consumer credit report records and promotes accuracy, fairness, and the privacy...

They continue to report disputed inaccurate information on my consumer report and they have failed to respond to my request.

The following information has been disputed XXXX  Inquiry not authorized XXXXXXXX XXXX XXXX  Inquiry not authorized XXXXXXXX XXXX XXXX Inquiry not authorized XXXX  XXXX This account was never late, never reported late but has been charged off an account can not be charge off unless it has been late. 
XXXX XXXX XXXX XXXX XXXX report late payments on my consumer report which is a violation of 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. Text contains those laws in effect on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payments reported XXXX XXXX XXXX XXXXXXXX XXXX Late payments reported XXXX XXXX XXXX XXXXXXXX XXXX XXXX this account is on my report and I have contacted this collection agency along with Trans Union and they continue to report an account that I was never notified about and I have never had an account with this collection company.

The following addresses continue to report on my consumer report after I have disputed them they do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following telephone numbers do not belong to me ( 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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The Capital One is billing for XXXX. I originally paid to XXXX recently it became Capital One. I no longer use the card. The account was paid in full as a payoff. Yet it is STILL on my credit report and it should rectified correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove one account from my consumer credit reports that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the publication of certain information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681b, credit reporting agencies may only include information in a consumer 's credit report if there is a permissible purpose defined by law and if the consumer has explicitly authorized it.

In this specific case, I never gave my consent, nor was I presented with any contract or disclosure explicitly authorizing, either in writing or verbally, the publication of the following accounts on my credit report. Therefore, the inclusion of this information is inaccurate and constitutes a violation of my rights as a consumer. 

Accounts in Dispute : Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Furthermore, according to 15 U.S.C. 1681c-2, when a consumer submits a formal identity theft report, credit reporting agencies must block any information identified by the consumer within four business days. Although this case does not involve identity theft, the lack of consent and disclosure reflects a violation of the FCRAs principles requiring accuracy, transparency, and lawful reporting. 

I am also attaching my FTC identity theft report to support my dispute, including the report number : FTC Report Number : XXXX. 

I remind you that under the FCRA, you are required to complete your investigation of this dispute. Failure to comply with these legal requirements may result in additional actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

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 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have a debt with XXXX XXXX XXXX collecting for XXXX THAT IS ON MY CREDIT. THIS DEBT IS NOT MINE ON MY CREDIT. This is mistaken/stolen identity! I demand to have removed from my credit immediately it is within my legal right! I Ive tried several times to dispute this debt! I REPEAT I TRIED TO DISPUTE THIS SEVERAL TIMES. THIS IS NOT MY DEBT. I HAVE NO ACKNOWLEDGEMENT OF XXXX THIS IS MISTAKEN IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 1681. 
Account name : XXXX XXXX XXXX opened XXXX XXXX, account name : XXXX XXXX XXXX XX/XX/XXXX, account name : XXXX XXXX XXXX OPENED XX/XX/XXXX, account name : XXXX XXXX XXXX XXXX opened XX/XX/XXXX, account name : XXXX XXXX XXXX opened XXXX XXXX, account name : XXXX XXXX XX/XX/XXXX, account name : XXXX  XXXX XXXX XXXX, account name : XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 A SECTION 2 states a consumer report agency can not furnish an 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 conviction and crimes which antedates the report by 7 years.

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

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 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper received information regarding new wind storm insurance policy. They have failed to pay and despite over a month of calls and emails, my insurance is about to lapse becasue they will not process the payment. They have provided me and my insurance agency false information that the check had been mailed already, only to then hang up on me when I requested tracking number. I finally got through to someone who refused to idetnify themselves by name who confirmed that the payment had not been sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report. The account in question is listed under XXXX XXXX XXXX XXXX, with a reported balance of {$940.00} and marked as Placed for Collection. After reviewing the information, I believe this account has been reported inaccurately, and I request a thorough investigation into the following discrepancies : XXXX. Account Status : The account is listed as Open while simultaneously marked as Placed for Collection. This dual status is contradictory and raises questions about the accuracy of the reporting.

2. Balance Verification : The reported balance of {$940.00} is incorrect based on my records, and I request validation of this amount. 
3. Remarks : The remarks indicate that the account is in Collection, but no detailed information has been provided to substantiate this claim, such as original account statements or documentation from XXXX, the original creditor. 
These inaccuracies are significant and negatively impact my credit report. I am requesting that you verify the information with XXXX XXXX XXXX XXXX and provide documentation from XXXX to support the reporting. If the information can not be verified, I respectfully request that this account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Please confirm receipt of this dispute and provide me with the results of your investigation as soon as possible. 
Thank you for your time and attention to this matter.

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