vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: MA

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate a fraudulent account on my credit report, despite providing them with all required documentation, including an identity theft report.

I have repeatedly disputed the fraudulent XXXX XXXX account ending in XXXX, which is not mine and was opened as a result of identity theft. As required by law, I provided Experian with the following documentation : 1. identity theft affidavit documenting the fraud.

2. Other supporting evidence proving that I did not authorize or open this account.

Despite this, Experian has failed to conduct a proper investigation. Instead, they have simply stated that they verified the account wi
th XXXX XXXX and have refused to remove it. They have sent me the same generic response multiple times, without addressing the evidence I submitted.

Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to : Conduct a reasonable investigation of disputes, especially when evidence of identity theft is presented.

Remove fraudulent accounts when sufficient documentation is provided.

Experian 's actions violate these legal obligations. Their reliance on XXXX XXXX claim of accuracy without properly investigating the evidence I submitted demonstrates a lack of compliance with the FCRA.

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 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Volvo Car Financial Services U.S., LLC
State: GA

Complaint narrative:
I was told that I needed to pay a down payment along with a finance charge. I dont know if it was the dealer or the bank but I was unable to obtain financing. I personally think it had more to do with XXXX XXXX  than my ability to pay back borrowed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Forest Recovery Services LLC
State: GA

Complaint narrative:
I was in a car accident XX/XX/year>. My car was towed to XXXX XXXX XXXX XXXX in XXXX XXXX Florida to be repaired. When I returned in XX/XX/year> they had not repaired my vehicle. I drove my vehicle back to XXXX, GA and XXXX my insurance company had me take my vehicle to XXXX XXXX XXXX XXXX XXXX  to repair it. The service manager at XXXX XXXX sent an email to XXXX XXXX of XXXX XXXX that they never touched my vehicle and had not done any repairs to my car at all. I do not owe any money to XXXX XXXX them as they adamantly admitted they had not performed any services to my vehicle. XXXX XXXX sent {$1000.00} collection request to Forest Recovery Services and has been trying to extort money for work they never performed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: VW Credit
State: CA

Complaint narrative:
On XX/XX/2023, I leased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX. This was my first experience leasing a vehicle. During the lease period, I was misled into believing that the car would be fully paid off at the end of the lease.

Several months later, I discovered that I would still be responsible for a residual value amount after the lease concluded, which was never disclosed to me at the time of purchase. Since realizing that the residual value constituted additional funds I would need to pay if I decided to keep the car after the lease ended, I have attempted to negotiate a lease buyout on several occasions. However, I have consistently encountered resistance from
Audi Financial. Despite making on-time payments for approximately 19 months, Audi Financial has refused to consider a lease buyout for my vehicle. They have requested an excessive down payment as a prerequisite for even considering the transaction. This entire situation has been an arduous and frustrating experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Statement Incident Date : Started Early XX/XX/XXXX Summary of Issue : Around the beginning of XX/XX/XXXX, I received a gift from a friend to help with my bills. A few days later, I received a call from Capital One regarding potentially fraudulent activity related to that deposit. I contacted my friend, who followed up and confirmed that, because he didn't have a personal account at XXXX but had a business account, he gave them cash to conduct the deposit, which was pushed through that account. When the accounting department saw the activity, it was reported as fraud. 

I provided Capital One with all the information I had about the transaction. Several days later, when I called them back, I was informed that due to another fraudulent activity the previous month, they were freezing my account. Despite the bank not losing any money and my cooperation in providing information, they froze my account, and no activity was allowed. 

After another few days, I called again and was informed that they would be closing my account. I waited another week and noticed that my direct deposits for the first of XXXX were allowed to go into my account, but none of my autopay transactions were processed. When I called again in anger, I demanded that they close my account and send me my money. They closed my account on XX/XX/XXXX, and two weeks later, on XX/XX/XXXX, I called again and was told that the check was sent out.

However, I never received the check. They promised to reissue the check and said I would receive it in 3-5 business days. As of today, XX/XX/XXXX, I still have not received my check. I have incurred several late fees, and my credit score has been affected. I have tried multiple times to speak with someone at Capital One who can expedite this process, but they never seem to care enough to help. I am now late on my mortgage and many other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
on XX/XX/XXXX Vanilla Visa received my order for ( 2 ) {$50.00} gift cards * purchased on vanilla website * supposedly they ( plastic cards ) were mailed on XX/XX/XXXX " your vanilla gift order is on its way '' as per the email I received I phoned Vanilla on XX/XX/XXXX he stated we have to give it one more day which would have been XX/XX/XXXX * as of XX/XX/XXXX the order has mysteriously disappeared ... .My XXXX have not received their XXXX cards...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon thorough review of my credit record, I discovered concerning late payment entries that remain unresolved and demand immediate attention. Despite sending multiple written communications over 30 days ago requesting validation of these items, I have received neither acknowledgment nor proper verification of these reported late payments, leaving me in a state of uncertainty and frustration regarding my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Account ending in XXXX Dates claims were made XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Claim number : XXXX Amount : {$3400.00} Good morning, I am not sure the date I had lost my card and got it replaced, however the lost card was NEVER stopped per Bank of America. Someone was using it for a long time prior to me evre realizing. Even after I had made my claim they did not stop it. I had it locked and still received notifications stating a purchase was declined due to my card being locked. After Bank of America denied me on XX/XX/XXXX I immediately called the Police Department in XXXXXXXX XXXX. Detective was XXXX the responding officer to begin the investigation, now completed and the defendant is detained XX/XX/XXXX - XXXX. The police have all records. Please help me

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 monetary relief
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I am writing to request the immediate removal of unauthorized inquiries that appear on my credit report. These inquiries were made without my consent and negatively impact my credit score and my ability to obtain financing. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only authorized and verified inquiries remain on my report. Below are the unauthorized inquiries that should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have attempted to contact the entities responsible for these inquiries to verify their authorization, but I have not received any response that justifies these actions. Therefore, I consider these inquiries unauthorized and fraudulent.

I am attaching a copy of my identification and proof of address to verify my identity. I am also including a Federal Trade Commission ( FTC ) Identity Theft Report and any other necessary documentation to support my case. 

I request that, in accordance with the FCRA, these unauthorized inquiries be removed from my credit report immediately. Please notify me once this action has been completed or if additional information is required to process my request. 

Thank you in advance for your attention and prompt resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I am writing to request the immediate removal of unauthorized inquiries that appear on my credit report. These inquiries were made without my consent and negatively impact my credit score and my ability to obtain financing. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only authorized and verified inquiries remain on my report. Below are the unauthorized inquiries that should be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have attempted to contact the entities responsible for these inquiries to verify their authorization, but I have not received any response that justifies these actions. Therefore, I consider these inquiries unauthorized and fraudulent. 

I am attaching a copy of my identification and proof of address to verify my identity. I am also including a Federal Trade Commission ( FTC ) Identity Theft Report and any other necessary documentation to support my case. 

I request that, in accordance with the FCRA, these unauthorized inquiries be removed from my credit report immediately. Please notify me once this action has been completed or if additional information is required to process my request. 

Thank you in advance for your attention and prompt resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: PA

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i looked at my credit report and saw multiple errors or information that did not belong to me i reached out to the company multiple times saying that bis a violation of the fcra to have unauthorized and innacurate information on a consumer report i would like for all the information to be removed immediately addresses and phone numbers

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 2025-01-07 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: AES/PHEAA
State: OH

Complaint narrative:
American Education Services is reporting inaccurate information to the 3 credit bureaus. I am enclosing copies of 3 credit reports to show the inaccurate information being reported. I have called and tried to word with America Education Services to get this problem resolved, but they keep saying the information is correct. By law, the information being reported on my credit report is inaccurate and needs to be removed. American Education Services is reporting that I have late payments XXXX days late. On XXXX credit bureaus it show XX/XX/2019 in good standing then XX/XX/2019, is 60 and 90 days late. Then May XXXX, 90 and 120 days late. I am not sure how you can report good standing one month and then the next month be 60 or 90 days late. I want this inaccurate information removed from all three credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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