vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NC

Complaint narrative:
Purchase a gift card for {$100.00} value in the state of Virginia, went to the store today and it was declined, called customer service and come to find out that the company had a data breach in 2021 but never pulled the cards out of the stores and kept selling them, now they ask me to go online and upload the card copy along with Id, the website is not working and when you call back then youre asked to send a fax along with personal information, the whole process is sketchy starting with a disabled website and not a trust business overall

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 2024-12-17 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: NH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-12-16 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: NC

Complaint narrative:
I am filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, created, or reported to credit reporting agencies without my knowledge or consent. These activities violate my rights under federal laws, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). 

Upon reviewing my credit report, I discovered multiple accounts that I did not authorize, or permit to be reported. These accounts are fraudulent and represent misuse of my personal information. 
Incident Details 1. XXXX XXXX XXXX Account Type : Factoring Company Account Original Creditor : XXXX  Amount Due : {$690.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Type : Factoring Companys Account Original Creditor : XXXX XXXX XXXX  XXXX. 
Amount Due : {$630.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Type : Collection Agency/Attorney Original Creditor : XXXX XXXX  High Balance : {$260.00} Amount Due : {$2300.00} Status : Placed for Collection Date Closed : XX/XX/XXXX Estimated Removal Date : XXXX/XXXX Nature of the Fraud These accounts were not authorized by me. I did not provide my consent for my personal information to be accessed, shared, or reported to any credit bureaus or third parties. 

The unauthorized reporting of these accounts constitutes identity theft and illegal use of my personal information, as prohibited under : 1. 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Unauthorized sharing of personal information without explicit consent.

2. 15 U.S.C. 1681b ( Fair Credit Reporting Act ) Lack of permissible purpose to access or report my data.

3. 15 U.S.C. 1681e ( b ) ( FCRA ) Requirement to ensure accuracy and verification of reported data. 

Impact of XXXX The unauthorized accounts have : Negatively impacted my credit report and credit score. 
Resulted in financial harm and reputational risk. 

these accounts have damaged my creditworthiness and caused undue stress.and stoping me from becoming homeowner Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. This report will be submitted to : Credit reporting agencies ( XXXX, Equifax, and XXXX ) as evidence to remove these fraudulent accounts. 
Relevant federal agencies such as the FTC and CFPB, if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I made an overpayment of {$4600.00}. On XXXX I called and requested a refund on the overpayment. Was told 5 days it would be resolved. As of today, XX/XX/XXXX Ive spoken with 6 different people at Shellpoint and each time they have a different excuse for not refunding it. Asked to speak with a supervisor or manager with no success. I want my money returned with interest

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 2024-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am filing a formal complaint against Credit Acceptance Corporation and their agent, XXXX XXXX XXXX, for predatory lending, improper notification, and mishandling of my personal property during repossession. 

Complaint Details Predatory Loan Terms : My loan carried an excessive 22.99 % APR. After two years of payments, my balance remained at {$15000.00} due to unfair interest allocation. 
Improper Notification : Repossession notices were sent to an outdated New Jersey address, denying me my legal rights. 
Unlawful Repossession and Property Mishandling : XXXX XXXX XXXX charged me {$35.00} in cash to retrieve my belongings but refused to let me access my debit cards in the car. 
My belongings, including laptops, Social Security cards, and my birth certificate, were thrown into open bins in the rain, damaging them. 
I was threatened that my property would be trashed if not collected immediately, leaving me stranded to borrow money for emergency transportation. 
False Reporting : My car was falsely labeled as undrivable, despite being fully functional.

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 2024-12-17 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: UT

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX I sent a dispute and explained that I noticed somethings on my credit report that I didnt recognize that they werent mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

Complaint narrative:
XXXX XXXX I sent a dispute and explained that I noticed somethings on my credit report that I didnt recognize that they werent mine

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 2024-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Slovin & Council Co., L.P.A.
State: OH

Complaint narrative:
I am submitting this complaint regarding wage garnishment by Slovin & Associates and their repeated failure to respond to my attempts to resolve the matter. I have made three documented attempts to contact the company to negotiate a settlement or alternative arrangement, but they have not responded. The ongoing garnishment is causing severe financial hardship for my family. 
Key Details : Total Garnished to Date : {$1600.00} {$1200.00} garnished previously. 
{$400.00} garnished recently. 
Dates of My Attempts to Contact : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> First date of contact : XX/XX/year> via phone call to get a settlement offer. 
Second attempt : XX/XX/year> via email with Garnishment letter. 
Third attempt : XXXX via email with Garnishment letter. 
Fourth and final attempt : XX/XX/year> via email with Garnishment letter and phone call. 
Company Response : None. 

The garnishment is creating an unsustainable financial burden. Below is a breakdown of my monthly expenses : Rent : $ XXXX. 
Utilities : {$300.00} $ XXXX. 
Childcare : $ XXXX. 
Health Insurance : {$190.00} per pay period ( $ XXXX based on bi-monthly pay ). 

These essential expenses total approximately {$2000.00} $ XXXX, leaving little room to cover garnished amounts. This has affected my ability to pay for necessities, including rent, utilities, childcare, and medical expenses for my family. 

I have contacted Slovin & Associates multiple times to propose a settlement offer of {$370.00} ( the difference between {$2000.00} and the {$1600.00} already garnished ). I have provided all requested documentation and explained my financial hardship, but the company has failed to respond.

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 2024-12-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-16 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: SC

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 2024-12-16 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Hello, In XXXX, I realized that my XXXX credit card had more than {$3000.00} in false charges on it stemming from a check ( it was not a checking account and had no checks associated with it ) to XXXX. It was my fault for not checking the balance more regularly ; I didn't check it because I never used that card. By the time I did, the fraudulent {$3000.00} had already been reported to the credit bureau. 

When I called XXXX to try to fix this, it took weeks and weeks of talking with them on the phone - they would not give me a contact person, so every time I called, I had to explain the entire situation again because they didn't keep notes. They told me to not pay the balance since it was fraud and would be removed from my account. Finally, after about 6 months, the fraudulent {$3000.00} was removed from the account and they sent me a letter ( attached ). But in the meantime, 7 late payments were reported to the credit bureaus. I asked many many times for XXXX to change this, and they repeatedly said they had. Finally, I said please close the account, which at that time was at like {$50.00} balance and they said would disappear. It did not disappear. Note - XXXX removed this from my credit report. Equifax and XXXX did not. 

Of course, 4 years later, the late payments and that residual balance are still on my credit report. In fact, when I tried to dispute it with XXXX last year, they insisted that they talked to XXXX and that it was correct ( without providing any documentation ) and then all of a sudden a bunch of charge offs appeared on my account, making it worse. The initial charge off balance is now {$400.00} and seems to be continually going up, and no one will listen to me or help. They sent me no documentation other than the dispute results and a credit report ( attached ). 
Equifax opened 2 disputes also confirming that XXXX was correct with no recourse and no documentation other than : Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX XXXX and the credit bureau say my account is closed. But this amount is listed every year as a charge off, creating more of a credit issue. I asked many times to speak to someone else at the credit bureau and at XXXX and they said it was not possible and refused to do anything about it. 

XXXX XXXX is XXXX on XXXX XXXX XXXX score is XXXX on XXXX XXXX XXXX report from XXXX  XXXX is XXXX Equifax score is XXXX I am truly frustrated and sad. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hello, In XXXX, I realized that my XXXX credit card had more than {$3000.00} in false charges on it stemming from a check ( it was not a checking account and had no checks associated with it ) to XXXX. It was my fault for not checking the balance more regularly ; I didn't check it because I never used that card. By the time I did, the fraudulent {$3000.00} had already been reported to the credit bureau. 

When I called XXXX to try to fix this, it took weeks and weeks of talking with them on the phone - they would not give me a contact person, so every time I called, I had to explain the entire situation again because they didn't keep notes. They told me to not pay the balance since it was fraud and would be removed from my account. Finally, after about 6 months, the fraudulent {$3000.00} was removed from the account and they sent me a letter ( attached ). But in the meantime, XXXX late payments were reported to the credit bureaus. I asked many many times for XXXX to change this, and they repeatedly said they had. Finally, I said please close the account, which at that time was at like {$50.00} balance and they said would disappear. It did not disappear. Note - XXXX removed this from my credit report. XXXX and Experian did not. 

Of course, 4 years later, the late payments and that residual balance are still on my credit report. In fact, when I tried to dispute it with Experian last year, they insisted that they talked to XXXX and that it was correct ( without providing any documentation ) and then all of a sudden a bunch of charge offs appeared on my account, making it worse. The initial charge off balance is now {$400.00} and seems to be continually going up, and no one will listen to me or help. They sent me no documentation other than the dispute results and a credit report ( attached ). 
XXXX opened XXXX disputes also confirming that XXXX was correct with no recourse and no documentation other than : Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX XXXX and the credit bureau say my account is closed. But this amount is listed every year as a charge off, creating more of a credit issue. I asked many times to speak to someone else at the credit bureau and at XXXX and they said it was not possible and refused to do anything about it. 

Experian XXXX is XXXX on XXXX Experian XXXX score is XXXX on XXXX XXXX XXXX report from XXXX  XXXX is XXXX XXXX score is XXXX I am truly frustrated and sad. 

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
Consumer complaint received 2024-12-16 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 seeking your assistance with a false account appearing on my credit report. This matter has harmed my reputation as a customer, and I need your support. I want these accounts removed as they are incorrectly and negatively reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-12-16 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: IL

Complaint narrative:
There are XXXX unauthorized fraudulent inquiries on my transunion credit report. Transunion needs to remove the follow hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-16 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am filing a formal dispute regarding inaccurate information reported on my credit file concerning late payments for account # XXXX. Despite multiple attempts to resolve this issue ( letters sent on XX/XX/XXXX and XX/XX/XXXX ), no corrective action has been taken. 
The reported 30-day late payment for XX/XX/XXXX is inaccurate. I have verified with my records and provided supporting evidence showing payments were made on time, and yet this error persists. 
Details of the Account : Account Number : XXXX High Balance : {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Credit Limit : {$3500.00} FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are obligated to ensure the accuracy of information. This has not been upheld. Additionally, 15 U.S. Code 1666b requires creditors to send statements at least 21 days prior to the due date, which has been violated as evidenced by the late reporting.

TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The incorrect reporting of a late payment has harmed my creditworthiness and caused undue stress.

Desired Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/XXXX. 
Written confirmation of the correction within 15 business days. 
Please consider this letter as formal notice under the FCRA and provide the requested corrections promptly. If this issue remains unresolved, I am prepared to escalate the matter, including filing additional complaints with relevant agencies and pursuing legal action. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation