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: 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: TX

Complaint narrative:
I am writing to formally challenge the accounts and inquiries listed on my consumer credit report ( referenced below ), as they appear to have been caused by a data breach or fraudulent activity. I request verifiable proof, including documentation with my signature or electronic signature, to validate these actions. 

This letter is submitted on my behalf, not through any third party, and I ask that you review it with careful consideration. These actions were not authorized by me and violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have reached out to the companies linked to these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or original documentation. Since I did not authorize them, these accounts and inquiries are incorrect and likely result from a data breach or unlawful reporting by creditors or third-party data furnishers. 

I respectfully request that you investigate these issues promptly and take immediate steps to remove the unauthorized entries from my credit report. I greatly appreciate your prompt attention to this matter.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally challenge the accounts and inquiries listed on my consumer credit report ( referenced below ), as they appear to have been caused by a data breach or fraudulent activity. I request verifiable proof, including documentation with my signature or electronic signature, to validate these actions. 

This letter is submitted on my behalf, not through any third party, and I ask that you review it with careful consideration. These actions were not authorized by me and violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have reached out to the companies linked to these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or original documentation. Since I did not authorize them, these accounts and inquiries are incorrect and likely result from a data breach or unlawful reporting by creditors or third-party data furnishers. 

I respectfully request that you investigate these issues promptly and take immediate steps to remove the unauthorized entries from my credit report. I greatly appreciate your prompt 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
Consumer complaint received 2025-01-05 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: IN

Complaint narrative:
THIS COMPANY CALLED XXXX XXXX CREATED A CONTRACT WITH FALSIFIED INFORMATION. THE DOWN PAYMENT WAS TOTALLY DIFFERENT THEN WHICH I PAID AND WAS TOLD I PAID FOR IT. AFTER FURTHER REVIEW OF THE CONTRACT I FOUND THAT i WAS LITERALLY PAYING NEARLY 4 TIMES THE AMOUNT THE CAR WAS WORTH. IVE TRIED TO GET THE CAR REFINANCED, OR THE CAR TRADED IN AND NOT ABLE TO BECAUSE OF THE EQUITY. THE NAME OF THE CAR COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. THIS CAR COMPANY IS A STRAIGHT SCAM WHERE THEY WOULD FINESS TO GET A SALE.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Open XXXX XXXX Date Opened : XX/XX/XXXX Balance {$3700.00} Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX {$0.00} late closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance $ XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I am disputing the collection account with ALLY CREDIT CARD/XXXX  account number XXXX XX/XX/year>, with a balance of {$00.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Date OpenedXXXX Balance Owed : {$670.00} Charged off XXXX  XXXX XXXX Date OpenedXXXX Balance Owed : {$2700.00} Charged off XXXX XXXX Date OpenedXXXX Balance Owed : {$3400.00} Charged off XXXX XXXX Date OpenedXXXX Balance Owed : {$10000.00} Charged off XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened:XX/XX/XXXX Balance Owed : {$4500.00} Collection

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 — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
I sent a certified check. They didn't post it. Then they sent a bill stating I owed {$9000.00}. My house is worth XXXX. I owe XXXX. Tried to refinance with them but they wouldn't without a cash out which would raise the payment. Lost my job. The account is in Forbearance. I'm XXXX XXXX XXXX and just need the payment to be lower.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open

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: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else I

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy

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 card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One advertised its XXXX XXXX  for managing virtual cards. Capital One said in case my credit card was ever compromised, they could just change my card and the virtual card numbers I have created would still function. Yesterday I filed a fraud report resulting in a card being closed and a new card being opened. I received an email saying that 5 of my virtual cards now don't work. Then I signed in to Capital One. I have created XXXX virtual cards with different merchants. About 5 of those cards still work. So I now have to correct my payment credentials on XXXX websites. I conclude I can not trust Capital One.

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: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the 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 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
Barclay advertises that you will Earn instant Elite Gold status on XXXX. I have flights to book. This is why I opened the credit card for a free carryon. I want to use the benefit. I've contacted both XXXX and Barclay. The issue has not been resolved. 

The specific Terms offered were clear and has been more than 4 business days.

" You will earn Instant Elite Gold Status ( Elite Gold ) after your first purchase posts to your account, less credits, returns and adjustments ( XXXX XXXX  ) with a transaction date within the first 90 days of new Card Account opening. Elite Gold will be awarded XXXX business days after the first XXXX XXXX posts. ''

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX We sent registered mail to CAPITAL ONE to opt out each request and demand was ignored. We are filing this CFPB complaint Per the FCRA as a federally protected consumer i am now Opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7 ( f ). CAPITAL ONE reported 49 transaction to my consumer file report without written consent and authorization, as a federally protected consumer I demand {$1000.00} per transaction ( {$49000.00} ). as a federally protected consumer CAPITAL ONE violated 15 U.S. Code 1666b ( a ).

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 — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc.
State: VA

Complaint narrative:
I am writing to file a formal complaint regarding the mishandling of my personal information due to the data breaches at XXXX and XXXX. These incidents have caused significant concern regarding the security of my personal and financial information. I have spent significant time and resources addressing potential fraud, monitoring my credit, and disputing inaccurate information. I request the CFPB 's assistance in mandating the removal of any fraudulent or inaccurate data from my credit file caused by these branches. I have attached documentation to support my claim, including credit reports and any correspondence with XXXX and XXXX. 

this will be the 2nd account from self financial that I don't recognize as accurate.

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: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I have been wrongfully charge for home insurance without notice or consent. I was paying my own home insurance with my previous lender XXXX XXXX XXXX then the loan was sold to Newrez and the home insurance was added with out consent or authorization. I have contacted Newrez via phone, email and written notice and have only received two letter stating additional time is required ; four months have passed and I have not received no resolution response. Below is the last email sent : Reg : Loan # : XXXX To Newrez XXXX XXXX ; I writing this letter is to verify and explain in detail that I have been paying on the house insurance for the account listed above since XX/XX/XXXX. I contacted XXXX XXXX  and provided proof of insurance to remove from the monthly payment. Then, the house insurance was added without my consent to monthly payment. The timeline is as follows : XX/XX/XXXX, I contacted and emailed proof of insurance to XXXX XXXX  at XXXX XX/XX/XXXX, again another email was submitted to XXXX : Insurance was removed from mortgage payments. 

XX/XX/XXXX, {$2200.00} was paid for insurance. 

XX/XX/XXXX, XXXX was paid for insurance. 

XX/XX/XXXX request refund with 30-day response submitted supporting documents XX/XX/XXXX Mortgage adjustment no response. 
XX/XX/XXXX Issue has not been resolved 30-day response. 

XX/XX/XXXX No action has been taken or notes have been added. 

XX/XX/XXXX Called and spoke with XXXX at Newrez and submitted an escalated ticket. 

XX/XX/XXXX Contact an attorney for representation : Reported to the Consumer Financial Protection Bureau. 



Total of {$5100.00} XX/XX/XXXX, I contacted XXXX to request full refund of monthly insurance and the previous times I was wrongfully charged.

This is my last attempt to request a full refund before taking legal action. Im requesting a written response within thirty days of this letter.

Please advise, XXXX XXXX XXXX Respectfully submitted, XXXX XXXX XXXX 

XXXX

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This original debt was discharged through my XXXX XXXX bankruptcy which I filed on XX/XX/XXXXXXXX  and discharged as of XX/XX/XXXX. This account was placed on my credit file with an open date of XX/XX/XXXX which subsequently dropped my score by 18 months. It seems that the company has modified the opened date just so it can show on my credit report which is illegal.

Company response to consumer: Closed with explanation