vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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:
Subject : Request for Blocking and Deletion of Accounts Due to Identity Theft ( 15 U.S.C. 1681c-2 ( a ) ) To Whom It May Concern, I am writing to formally request the blocking and deletion of the accounts listed below from my credit report pursuant to my rights under 15 U.S.C. 1681c-2 ( a ). I have been a victim of identity theft and did not authorize the opening or use of these accounts.

The accounts in question are as follows : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent accounts be blocked and deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I had a double car payment taken by BMO Harris ( XXXX on XX/XX/XXXX, and another on XX/XX/XXXX ). Upon realizing the problem i requested XXXX of the payments be refunded to me in a cashiers check on XX/XX/XXXX from their customer service department. I was told my check would be sent out in XXXX business days. On XX/XX/XXXX after not receiving a check yet, i called their customer service department again. The representative that time told me that the initial request was denied ( due to improper information entered on their end, but noone ever tried to contact me to inform me of this ). He agreed to resubmit the request with a request to expedite on XX/XX/XXXX. Today, XX/XX/XXXX I still have not received the refund. I was told " improper information was entered '' once again and theyd have to resubmit ( which they did again, a third time ) I asked to speak with a manager pertaining to auto loans to determine why I cant seem to get my double payment refunded and was connected with a " Customer Service Specialist ''. She refused to give me further information ( referring to it as internal information only ), refused my request to speak with a member of management ( telling me that department is not accessible to speak to by customers and that there is no manager. She referred to herself as the " highest rung '' for customer service requests. I received no answer for the failed refund request, was denied additional information or an assurance my request would go through this time, and also denied my request to speak to a manager in charge. I now owe this months vehicle payment and still have no received a refund from last months double payment despite XXXX attempts. I would warn anyone against doing business with BMO Harris on an auto loan, and I am not sure where else to turn to get my money refunded to 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 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to express my frustration and dissatisfaction with the persistent and unsolicited text messages I have been receiving from LVNV Funding collection agency. Despite opting out of their communications, I continue to receive texts demanding payment. This is not only a violation of my privacy but also a clear disregard for my explicit request to cease such communications. 

Furthermore, I did not authorize XXXXXXXX XXXX to share my personal information with LVNV Funding agency. I demand proof of my consent to have a relationship with this creditor/and LNVN Funding and any documentation that shows I agreed to the terms under which my information was shared towards both companies.

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I believe that the sharing of my personal information without my consent violates these principles. 

I expect an immediate resolution to this matter, including the cessation of all unsolicited communications and the provision of the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: MD

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/year> I opened a checking account at Wells Fargo in XXXX, XXXX because the bank promised to give me a {$300.00} bonus if I transferred a direct deposit of more than {$1000.00} to my WF account within a 90 days period. At the same time I signed a direct deposit enrollment form so Wells Fargo would contact Social Security and transfer my {$2400.00} benefits payment to Wells Fargo on my behave. Forty five days later I noticed that Wells Fargo failed in its written commitment to process my SS payment from Chase to Wells Fargo. For that reason, I had to do it myself my calling Social Security. SS requires 60 days for the change of banks. Finally my SS benefits started being credited to my WF account in XX/XX/year>. That was 120 days after the account opening. Because of Wells Fargo failure to execute its commitment I did not meet the 90 days period required by the bank. I filed a written claim with Wells Fargo to have my {$300.00} credited to my account and it was rejected... The bank is penalizing me because of their own operational mistake. Please investigate how many other clients opening a new account were also penalized.

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 2025-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
XX/XX/year> i call to work out better payment plan and they denied it i went into the XXXX XXXX XXXX and discuss this with them and they told me they don't work with credit program 's i told them that XXXX XXXX XXXX had the power of attorney to speak on my be half and they decline now they are call my place of work harassing me after i ask them not to do this .asking to speak with the payroll department..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I spoke to Wells Fargo several times trying to resolve the issues with my account and they gave me a new account number and new card I wasn't able to use because my account was still negative they took my money and put me in the negative due to one of there employees linking my account to there's and the proof is on my XXXX XXXX account that it was indeed a Wells Fargo employee

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 2025-01-03 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: FL

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX XXXX, Equifax and XXXX for multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and the Truth in Lending Act ( TILA ). The actions of this company have caused significant and unnecessary harm to my financial standing and credit profile, as I will detail below. 

In XX/XX/XXXX, I voluntarily surrendered a vehicle tied to an account with XXXX XXXX XXXX XXXX. Despite this action, the company delayed the sale of the vehicle until XX/XX/XXXX, claiming this as the " identifiable event '' for purposes of reporting a Form 1099-C under 26 U.S.C. 6050P. During this prolonged period, the company failed to take timely action to mitigate the debt while also reporting the account inaccurately to credit reporting agencies. 

XXXX XXXX XXXX XXXX continues to report the account as open with false missed payments, despite the account having been closed when the vehicle was surrendered. This inaccurate reporting has directly harmed my credit score and financial reputation. Under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ), creditors are required to furnish accurate information to credit reporting agencies and correct inaccuracies when they are identified. The company has failed to fulfill this obligation. 

Additionally, the company has unlawfully conditioned the correction of these inaccuracies on the receipt of payment, a coercive practice that violates the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). The CFPA prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) that cause substantial injury to consumers, and XXXX XXXX XXXX XXXX actions fall squarely within these prohibited practices. 

Furthermore, the company has failed to provide transparency regarding the status of the debt and the reasons for its prolonged delay in addressing the account. Under the Truth in Lending Act ( 15 U.S.C. 1637 ( b ) ), creditors are required to provide accurate and clear account information to borrowers. The lack of transparency in this matter is both harmful and a violation of my rights under federal law. 

For over a year, I have attempted to resolve these issues directly with XXXX XXXX XXXX XXXX. I have made multiple phone calls seeking resolution, only to encounter dismissive and uncooperative responses. This lack of accountability has left me no choice but to escalate this matter to your office. 

All while these reporting agencies are supposed to have the disputes removed from account until it is resolved and the account has NOT been resolved. Reporting errors should NOT be showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX XXXX, XXXX and Experian for multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and the Truth in Lending Act ( TILA ). The actions of this company have caused significant and unnecessary harm to my financial standing and credit profile, as I will detail below. 

In XX/XX/XXXX, I voluntarily surrendered a vehicle tied to an account with XXXX XXXX XXXX XXXX. Despite this action, the company delayed the sale of the vehicle until XX/XX/XXXX, claiming this as the " identifiable event '' for purposes of reporting a Form 1099-C under 26 U.S.C. 6050P. During this prolonged period, the company failed to take timely action to mitigate the debt while also reporting the account inaccurately to credit reporting agencies. 

XXXX XXXX XXXX XXXX continues to report the account as open with false missed payments, despite the account having been closed when the vehicle was surrendered. This inaccurate reporting has directly harmed my credit score and financial reputation. Under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ), creditors are required to furnish accurate information to credit reporting agencies and correct inaccuracies when they are identified. The company has failed to fulfill this obligation. 

Additionally, the company has unlawfully conditioned the correction of these inaccuracies on the receipt of payment, a coercive practice that violates the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). The CFPA prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) that cause substantial injury to consumers, and XXXX XXXX XXXX XXXX actions fall squarely within these prohibited practices. 

Furthermore, the company has failed to provide transparency regarding the status of the debt and the reasons for its prolonged delay in addressing the account. Under the Truth in Lending Act ( 15 U.S.C. 1637 ( b ) ), creditors are required to provide accurate and clear account information to borrowers. The lack of transparency in this matter is both harmful and a violation of my rights under federal law. 

For over a year, I have attempted to resolve these issues directly with XXXX XXXX XXXX XXXX. I have made multiple phone calls seeking resolution, only to encounter dismissive and uncooperative responses. This lack of accountability has left me no choice but to escalate this matter to your office. 

All while these reporting agencies are supposed to have the disputes removed from account until it is resolved and the account has NOT been resolved. Reporting errors should NOT be showing.

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 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/year> from XXXX XXXX XXXX XXXX XXXX referred from Banco Popular to buy the car from them. On XX/XX/year> I paid a deposit of {$390.00}, I Paid {$270.00} cash to XXXX XXXX and later paid {$120.00} via XXXX XXXX. As of today the car has not been registered and I do not have a car registration sticker and unable to drive the car. I have contacted Banco Popular and was advised that the dealer has not turned in all loan paperwork but they are still charging me the car loan plus late fees. I was lied to by the dealer and bank telling me that XXXX XXXX XXXX requires me to buy car insurance and gap coverage from them before taking control of the vehicle which violates federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-01-03 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-01-03 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 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 explanation