vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-03-28 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: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

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 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2025-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dividend Solar is charging me for solar installation which was supposed to be a government funded Solar installation. They claimed I signed a loan document which is untrue, signature on document is not mine someone forged my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: OR

Complaint narrative:
My wallet was stolen I am not sure of the exact date only it was the beginning of XXXX. I could not make a police report for my wallet because of the timing. I lost belongings like my drivers license and my Wells Fargo debit and ATM cards. Wells Fargo denied my unauthorized/fraudulent transactions. The total fraud transactions are XXXX XXXX. I disputed these XXXX fraud transactions using XXXX separate claim numbers. The first claim # is XXXX totaling in {$2000.00} with XXXX fraud transactions. The second claim # is XXXX totaling in {$1500.00} with XXXX fraudulent transactions. The last claim # is XXXX totaling in {$10000.00} with XXXX fraud transactions. I could not make a police report due to timing and I dont have the information of the merchant where the transactions were made. This is financially crippling. I worked hard for my money to just get stolen so easily.

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 2025-03-28 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly 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 2025-03-27 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.
State: IN

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of XXXX  and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. I need you to make sure all this information is XXXX XXXX correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

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 2025-03-28 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter finance LLC ran my credit without my permission and is ruining my credit on XXXX. XXXX and credit XXXX bank ran my credit without my permission and is ruining my XXXX XXXX XXXX. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I took a loan of {$1200.00} from Titlemax in XXXX. I have been experiencing extreme financial hardship making it difficult to repay the loan. I have already repaid {$400.00}. 
Titlemax staff threatened me with vehicle possession should I fail to honor monthly payments.Titlemax stopped contacting me on this matter after I raise the matter with Consumer Financial Protection Bureau. 

However, on XXXX XXXX, a towing company came calling wanting to repossess my car. The car CVT transmission remains damaged making the car drivable short distances. I am willing to work out with Titlemax team to resolve the matter especially on how to repay once I am able to get regular employement. However, Titlemax appear not willing to connect with me on this matter. 

I feel unsafe because of the action of Titlemax to stalk me to public places. I seek restraining action for Titlemax from staking me and creating unsafe conditions for me in the United States of America. I am a XXXX citizen but have been unemployed since the car transmission broke down.I don't know why employers are unwilling to hire me. Your assistance on this matter highly appreciated in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: NC

Complaint narrative:
XXXX failed to pay out a {$250.00} checking bonus after I met all the requirements. They sent me an email saying this. 

" We reserve the right, in accordance with applicable laws, to rescind or decline award payment for reasons that we, in our discretion, deem to be abusive, excessive or suspicious, including suspected fraud, account abuse, or if suspicious activities are observed. '' After I received my direct deposits in order to meet the bonus requirements, I transferred the funds to another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-03-27 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: UPGRADE, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX purchases were made in XXXX, XXXX  ( over an hour and a half from me ) for {$260.00} and then for {$540.00}. Other misc. charges were made for gas, tacos and the fed ex store totaling {$940.00}. I reported the fraud through the Upgrade App on XX/XX/XXXX and then followed up with a phone call on the same day stating that I live in XXXXXXXX XXXX I am a high school teacher and was at work that day. I also told them that the card was in my possession and not lost. Since that time, I have called and called trying to get this taken off my account. They keep denying the claim stating that they emailed me for a statement, but I didn't email them back promptly enough. This was sent to an email I do not use anymore and I told them in a subsequent phone call. I also told them that I provided a verbal statement and a written statement on their app when I submitted the fraudulent charges. I have asked them what their fraud department did to investigate the case. To this date, they have done nothing to investigate. They never reached out to XXXX XXXX or accepted the proof that I was at school that day over an hour and half away. I have escalated my case with them XXXX times and refuse to even reopen the case and look at it because they said I didn't respond to XXXX email. I have pleaded with them that I am single and a high school teacher. I was at work that day and have to physically clock in with my badge. I told them that this could be proven if they would reopen the case and they refused to do so. This, in my opinion, along with the fact that they never investigated the case is gross negligence. 

I have tried and tried since XXXX to resolve this. I just paid off this card in XXXX ( over {$5500.00} ). I pay my bills and always have. I have never been treated like this by a company in my life and this whole situation has been a nightmare. I need these charges taken off, my credit restored from the negative information they have posted and my account closed. I will never do business with XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I have added a chase offer from The Knot Invitations of {$20.00} cash back, Spend {$200.00} or more using my debit card ( college checking account ). I have made the purchase of {$200.00} total during the same day. However, the offer was not applied to my account. So I have reached out to the chase customer services on XX/XX/XXXX. During the call with the customer service, they initially mentioned that the offer that I have added is not going to be applied as they do not provide cashbacks to debit cards, then I explained them that I have added the chase offer of cash back and have done everything that was mentioned as a requirement for me to get the cashback. Once I explained the situation and mentioned that I have received some sort of offer/cashbacks previously, they transferred me to their supervisor who took a look at my account and have confirmed with me that I have added the chase offer on XX/XX/XXXX prior to transaction and the cash back offer will be applied within the next XXXX business days. On XX/XX/XXXX, I have contacted the customer service again to see whether it was being updated or applied. The customer service have initially said the same thing that the chase does not offer the cashback offers to the debit card, but I explained my situation and how I was able to receive cashbacks previously. Then they transferred me to the supervisor, who have confirmed with me that the offers has been added and I should be able to get a cashback, so they apparently filed a ticket on my behalf and sent it to IT department for processing and said it would take XXXX business days. So on XX/XX/XXXX, I have called again to see the status of my cashback, they have transferred me to the supervisor, who mentioned that there was no ticket submitted on my behalf and that XXXX does not offer cashback to debit card users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the information reported on my credit report regarding the accounts listed below. I believe this entry is inaccurate and does not reflect the true nature of my credit history.

As stipulated under 15 U.S. Code 1681o, which governs penalties for willful non-compliance by credit reporting agencies, I request that this inaccurate entry be promptly corrected or removed from my credit report. Pursuant to the Fair Credit Reporting Act, I understand that you are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of receiving this dispute. If the information can not be verified, it must be removed or updated accordingly. 

Please conduct a thorough investigation of the disputed information and provide me with an update on the findings of your investigation within the statutory time frame. If the information can not be verified, I request that it be promptly removed from my credit report. 

Should you fail to comply with these provisions, I will be forced to pursue all available remedies under the law, including seeking damages for willfully failing to adhere to the requirements outlined in 15 U.S. Code 1681o. 

Account name : 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

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