vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I currently owe a rears and child support and child support in the enforcement has sent me multiple letters of how much money I am behind. Experian has reported that I owe over {$4.00} XXXX in arrears. The current amount is nowhere near a XXXX of that amount, I have disputed it, and they have stated the information is corrected, even after submitting documentation to state that it is not that amount.

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 2025-02-04 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: NY

Complaint narrative:
I am writing to follow up on my previous communications regarding the unverified negative accounts on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
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 XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX if you have any questions or need further information. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
This debt is reported as a charge offs on XX/XX/year> however this is considered income. I should have received a 1099C in order to account for this as income. I requested Form 1099C, original contracts, and color photo identification as proof, but never heard from company. This is not a charge off ; I am requesting this be removed immediately because it is not debt. According to IRS " any debt, cancelled, forgiven, or discharged becomes taxable income to you ''. I never received Form 1099C ( cancellation of debt ) from the lender that forgave or sold the debt. This is considered income and income should not be reported on a credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: TX

Complaint narrative:
I took out loan through a car repair shop they had certain loan company 's that they deal with the name of the company that approved me is Koalafi I was told by the service person at the repair shop that the loan monthly payments would be about XXXX dollars a month I did not see full loan form I just pressed a link on my smart phone. I was told i was approved for about XXXX dollars. originally the service person told me the repair would be XXXX  dollars when the loan company approved me for XXXX. The service person adjusted the repair cost to the full amount of the loan. I provided loan company with my bank information the routing number and checking account number. I thought the payments were XXXX dollars a month for 12 months when they took the first payment it was XXXX dollars. I called the loan company and said the agreement was for XXXX dollars over 12 months for a loan of XXXX dollars. That seems to about XXXX of interest which I think is way too high. They told me there was nothing they could do to adjust the amount. I asked if i could pay XXXX dollars over 2 years the would not agree to this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: KY

Complaint narrative:
I was viewing my credit report through XXXX and came across a negative account I didn't recognize. After further inquiring, I found out it was from a company called Debt Recovery Solutions ( DRS ). I gave them a call and they stated that the original creditor was XXXX for a loan back in XXXX. I have no clue what that loan is and it does not show on my credit report whatsoever. DRS is now showing that the loan was sold to them in XX/XX/XXXX and I have been delinquent with them now since XX/XX/XXXX even though I have never received contact by either source. It is populating in collections, lowering my credit score, and showing past due of {$1300.00} as of XX/XX/XXXX. When I first tried to call DRS ( XX/XX/XXXX ), I called the number located on my Experian account which is XXXX. The call rang for several minutes before the voicemail informed me that all of their representatives were busy and I had to leave a message. Six days went by without any call back or email. I did some further researching and found their fake looking website with a different phone number at XXXX. When I called that number ( XX/XX/XXXX ), they gave me the information, I stated that I have no idea what this loan even is for, and they informed me that they are going to mail me a file with all of the information without any expressing on their part of them trying to correct any issues I might be having, no attempt at a settlement, nothing. Just a " here 's the information, we'll mail it to you '' and that was it. After doing more research, it looks like XXXX is a complete scam and, I believe, that if this was a loan I took out six years ago, that this is them trying to re-age the account and get more money right when the seven year mark is about to hit to get it taken off of my credit to begin with ( even though it was never on my credit to begin with ). I really don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

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

Company 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 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
I was contacted over years ago about an old account that had been closed for years. The company had actually screwed me over, robbed me and we made a deal to settle, I sent everything back and now live 4 hours out of their network. When I explained this, the employee at Harris and Harris started the schpeal they all have to. It went no where. I hung up. 
I was called again. I said I have no business with you guys as you can't even provide proof you bought any kind of debt. I need a debt validation notice. That's when the male said he would XXXX me and my child. I lost it on him, as a mother would. 
I have been harassed daily ever since. I traced the called to the XXXX account they use to hold numbers and make robocalls. Intraced back to multiple state facilities of them harassing me and as the reviews I saw, many others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-04 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: TN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$460.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$110.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX @ XXXX, I received an email from navy federal stating that my dispute that was filed was reviewed and it was granted that the charge was valid and I didnt send in the documentation that was requested. I called their XXXX number to see what didnt I send it. The rep reviewed and stated I didnt send in the itemized list of items that were supposed to be received. I told him I submitted the documents. I also told him on XX/XX/XXXX I called their XXXX number to see what additional documents were needed and was told that I can upload screenshots of the items I was supposed to receive and how much they cost. I uploaded those screenshots and the screenshot of the company stating they would give me a 100 % refund, since I did not receive my items. The rep that I spoke to on XX/XX/XXXX stated he can see that, but I would need to write out each item, how many, and how much they cost. Navy Federal is causing me issues since they have my account restricted permanently and it seems they are being vindictive and harassing me and discriminating against me. I have been with this company for over 8 years and they have become the worst bank Ive ever had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I opened a 12 month CD with BMO Alto Bank @ 5 % interest. On XX/XX/XXXX. I received notice the cd is matured. I called the bank on XX/XX/XXXX to close the CD account and withdraw the fund. I just received my tax statement from them. Informed me there is {$1000.00} for early withdraw penalty because it automatically rolled into the next year XXXX. I signed up for only 1 year CD. I did not consent for it to rollover. I was not inform there is a penalty when I closed the account. This is an illegal practice by this bank.

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 2025-02-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX I, has violated my rights by reporting a fraudulent, identity theft, collection account to TransUnion credit bureau with no account number listed, in the amount of {$430.00}, in an effort to knowingly collect a debt it is not owed. XXXX XXXX XXXX is reporting an open collection account with an open date of XX/XX/year>, to TransUnion credit bureau damaging my credit and my reputation as a consumer. I have no open accounts with XXXX XXXX I, nor have I ever done business with XXXX XXXX XXXX I have never heard of XXXX XXXX I, nor has it ever contacted and/or communicated with me in any manner before or after reporting said fraudulent account to TransUnion. XXXX XXXX I, has violated my rights under the following codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2025-02-04 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: NC

Complaint narrative:
Please refer to the attachments pertaining to the Equifax data breach XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX for unknown account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-04 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: U.S. BANCORP
State: PA

Complaint narrative:
Someone called said they were from US Bank and someone tried to open a credit card in my wifes name in XXXX, TX and we live in XXXX Called US Bank and could not get anybody on the line. This happened on XX/XX/2025 at XXXX XXXX. They wanted my SS # and I would not give it to them but they had my wifes last four numbers. They had my name, date of birth and home address. The number to US Bank they called from is XXXX. Also, had three other calls from XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX XXXX with in minutes of each other. Did not answer.

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 2025-02-04 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: AZ

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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 2025-02-04 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have an inquiry from BRCLYSBANKDE showing on my credit report that i did not authorize nor have knowledge of the company. I request that it be removed from my credit report immediately.

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