vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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: TX

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate. 
XXXX XXXX XXXX Account number : 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
Consumer complaint received 2024-10-30 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc.
State: SC

Complaint narrative:
XX/XX/year> XXXX XXXX or Avant Credit Card requested a copy of my credit report without my knowledge or permission. This was obtained Fraudulently without my consent. I never requested a credit card from Avant Credit Card Company through XXXX, but they requested my Credit Reports & I have a Fraud Alert on all 3 of the Credit Bureaus stating that no company should request or receive my Credit Report without receiving my consent due to Fraudulent Activity on my Credit Report & companies opening Credit Cards & Bank Accounts that were opened fraudulently by someone without my consent & police reports have been filed, but its still continuing. I requested that they remove the HARD INQUIRY on my Credit Report & its still there. Its prevented me from receiving credit line inquiries, receiving other offers, & denied from being able to receive a Home Loan due to having too many Hard Inquiries from 3 companies that I never gave permission to retrieve my credit reports. The Hard Inquiry that I reported above is again as follow : XXXX/AVANT LLC Avant Credit Card ( Finance/Personal ) XX/XX/year> ( Date Credit Report Requested ) XXXX  ( Email Address ) XXXX XXXX XXXX XXXX ( Address ) XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( Avant Phone Number )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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 writing to inform you that I am a victim of a data breach that has led to fraudulent accounts being opened in my name. To protect my credit and prevent further damage, I am formally requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit report, in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts 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 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 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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
RE : XXXX  BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Accounts that are being challenged : 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 DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATIONXXXXXXXX  account # XXXX DEPT OF EDUCATIONXXXXXXXX  account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXXXXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX Please find enclosed a copy of my Identity Theft Report, proof of my identity, and any other necessary documentation to facilitate the prompt removal of these fraudulent items. Thank you for your immediate attention to this matter. Please feel free to contact me at XXXX if you require any further information. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Request for Investigation : Identity Theft and Fraudulent Credit Card Account with Capital One Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to request an investigation into a case of identity theft and fraudulent credit card activity with Capital One ( Capital One Case # XXXX ) Summary of the Issue : I have never opened, used, or authorized anyone to use a Capital One credit card. 
Capital One claims I owe {$1000.00} on an account opened in XX/XX/year> ( Account number unknown, last four digits XXXX ). The account has been closed. 

I have never received a credit card statement or the card itself as on XX/XX/year> Despite providing Capital One with a police report ( XXXX, XXXX Police Department , California ) , an FTC Identity Theft Report ( XXXX ), identity theft information forms, and proof of identity ( driver 's license, utility bill, etc. ), Capital One 's investigation concluded I am responsible for the debt. 

Additional Information : My credit report shows this fraudulent account was opened in XX/XX/year>. 
Neither I nor my spouse applied for any credit cards in 2024. 
There is one incorrect address listed on my credit report, which I have successfully disputed and removed. 
My credit report also shows unauthorized credit inquiries that I did not approve. These were reported and removed as well. 
I have an excellent credit history. 
Request : I kindly request the CFPB to investigate this case of identity theft and fraudulent credit card activity with Capital One ( Account # unknown, last four digits XXXX ). I have already submitted all requested documentation to Capital One with no resolution. I am concerned about the impact this fraudulent account will have on my credit score and financial well-being. 

Contact Information : Name : XXXX XXXX Address : XXXX White XXXX XXXX XXXXXXXX, CA XXXX Phone Number : XXXX Email : XXXX Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: Experian Information Solutions Inc.
State: IL

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. 

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 explanation
Consumer complaint received 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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.

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 2024-10-30 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: EQUIFAX, INC.
State: NV

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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: LendingPoint Holdings LLC
State: NH

Complaint narrative:
I had been paying original lender Lending Point a monthly agreement upon sometimes {$50.00} to $ XXXX.Then without true notice I was sent to it seems to be a collections called XXXX  or XXXX XXXX XXXX XXXX XXXX when searched online. They have been harassing myself wife and even extended family such as in laws since the beginning to middle of XX/XX/year> morning afternoon and night on this matter. Most times not even identifying themselves as it is a recorded message left for me or to my family. I've told them on numerous to stop contacting us. But they have proceeded to harass us for the last month. To my understanding per the fair credit reporting act they should not be able to do this. I feel that this collection should be removed from my account due to this treatment and the amount is inaccurate also. I would appreciate this be removed from my records from the reasons stated above and any questions feel free to reach out only to me no one else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: Stewart Information Services
State: CA

Complaint narrative:
1. On XX/XX/XXXX, the properties next door to my cabin, homes # XXXX & # XXXX XXXX XXXX, XXXX XXXX, California were foreclosed upon by XXXX XXXX. 
2. At that time, XXXX XXXX, the real estate agent hired by XXXX XXXX assumed that my house at # XXXX XXXX XXXX should be included in their foreclosure. She evicted my tenant and refused to consider that I had a different loan on that property, that I was current on that loan and that the lots were different. My tenant was even offered {$5000.00} to vacate the premises immediately, which he did at the end of XXXX. He did not receive the {$5000.00} and was very upset with me. 
3. I appealed to the foreclosure company XXXX XXXX, and they wrongfully reported that my property should be included in the foreclosure. 
4. I had to hire an attorney. I was unable to rent my property because of the eviction and the foreclosure hold on it. I fell behind on payments, insurance, taxes. 
5. My loan was a negative arm loan with XXXX that had been taken over by XXXX  XXXX XXXX. With all the missed payments, it ballooned and eventually added up to over {$130000.00} in additional fees, escrow and penalty costs. 
6. I eventually obtained a settlement with XXXX and the foreclosure company XXXX XXXX. But I didnt know how to get my propertys loan back to where it was before the wrongful foreclosure and that deferred principal has been attached to it ever since I modified the loan with your company in XX/XX/XXXX. 

RESPONSIBILITY OF MY TITLE COMPANY & XXXX ' I had purchased the XXXX  cabin at XXXX XXXXecond XXXX in XXXX XXXX though a construction loan with XXXX XXXX in that town. Once the remodel was done, I refinanced the loan into a regular loan with XXXX. It appears that the title company involved in the refinance was Stewart Title. 

Then came the wrongful foreclosure by XXXX XXXX described above. My Title Company obviously did not protecte the title of my property during the wrongful foreclosure by XXXX XXXX. This started a series of events that have pretty much robbed me of my property. I have just learned this fact although I have been trying to right this wrong for decades. WHY DID STEWART TITLE NOT PROTECT THE TITLE TO MY PROPERTY??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, we had a phone call from a " Bank of America Credit Card Processor '', whom asked for service dept and once transferred, stated there were some transactions that didn't refund back to customers correctly. Our now previous employee was instructed to manually input those " voids '' as credit refunds. He manually refunded 5 credit cards that equaled to be {$5300.00}. I, XXXX XXXX was called from Bank of America as a courtesy to notify of these returns as it was suspicious. Those transactions were not from customers to begin with so we are unsure how it let us refund what was never given in the first place. We talked to Bank of America and we finally came to a conclusion on getting our money back. They said we will not be charged that money and the account is under restrictions until further notice. We were in fact charged that money the next day and after we called they said it will return in 24 hrs, but it hasn't and said there ' nothing they can do to return money 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 2024-10-30 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: TX

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your 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 2024-10-30 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: MD

Complaint narrative:
The inaccuracies on my credit report are severely restricting my financial freedom. Due to these errors, I am consistently facing rejections on new credit applications, which is both frustrating and unjust. It is deeply concerning that my consumer rights are being disregarded in this way.

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 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have always paid my bills on time and most of the time paid my full balance, but sometimes have had to pay the minimum. Recently I had a payment returned at AMEX and despite the payment going through two days later they still slashed my credit limit right thus stealing away all of the available credit I was planning to pay my bills with after they received my payment. This has put me in a very bad position because I pay my rent from that card and now have to scramble last minute to find a solution. I do have a history of missed payments but this is due to me opted to settle old debts and move on., but my car loan and active credit cards have XXXX XXXX good payment history. I also make six figures a year and they still blindsided me. They did give me the option to upload three months of statements for a 14 day appeal, but I still have to file a complaint, because blind-siding a client that has been consistent for 2 years without a warning. Putting me in a horrible position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: NY

Complaint narrative:
I received a decision in my XX/XX/XXXX XXXX late dispute, attached. CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX the reason for being reported late is that a late fee was taken out of the regular monthly payment of {$530.00}. 

Late fees have been on my account starting in XX/XX/XXXX. And those late fees were carried over, month after month, for 2 years with no attempt to deduct them from my regular monthly payment. Then in XX/XX/XXXX you decided to take the late fee out of my payment. The XXXX XXXX monthly statements are attached showing the late fees being carried over month after month for years! 

I never received any notification that in XXXX they arbitrarily decided to collect the late fee. 

It was reasonable for me to assume that the late fees would be carried over and then collected at the end of the lease. 

Why would you carry over the late fees for 2 years and then take it out with no warning. 

I was calling XXXX XXXX every month for past 6 months to extend my lease. They told me every month that my account was fine.

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