vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm disputing incorrect information on my Equifax credit report, particularly an inaccurate address. The address currently listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, but the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Under 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the highest possible accuracy in consumer reports. As this error violates that obligation, I request the incorrect address be removed and updated with my correct information. Once this correction is made, I would appreciate written confirmation and an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to request specific information regarding the account referenced below. I am not disputing the account ; I am requesting clarification and verification of the following details for my records : Account Information : Account Number : XXXX Account Type : Credit Card Requested Information : The date of first delinquency on this account. 
The date of last payment made on this account. 
The date of charge-off, if applicable, for this account. 
I kindly request that you provide this information at your earliest convenience. This will assist me in understanding the status and history of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a loan with capital one auto finance since 2018. I have a complaint also submitted for XXXX XXXX XXXX. 
Capital one auto needs to issue a refund to XXXX XXXX  XXXX. The loan with XXXX XXXX XXXX was cancelled but they did not stop payment. Neither did capital one. Every time I call capital one they tell me conflicting information and will not assist me. Every time I call them they tell me different information. No one is helping me from either company. The bottom line is I canceled with XXXX XXXX XXXX within the legal grace period. XXXX XXXX  intentionally let the payment go through and now it's nearly impossible to get this resolved. Capital One is intentionally taking a long time to do this so the 90 days will pass. This should be illegal to do to someone. This should be handled between the two companies. Instead it's me calling every day be told different information from both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I have contacted the mortgage company numerous times over the past year regarding the status of my escrow refund, with the most recent calls made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite my efforts, I have not received the escrow account refund of {$3300.00} for my loan, which was paid in full on XX/XX/XXXX. As of XX/XX/XXXX, their phone system no longer allows me to speak to an agent, as my loan number and Social Security number are not recognized by their XXXX system. 

I simply request to be refunded the money owed to me from my escrow account. That is the expected and fair resolution 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX I received an alert from my bank and all 3 credit bureaus that a new credit inquiry was made by XXXX XXXX XXXX  on XX/XX/XXXX. I do not bank with them nor do I plan on doing so. I'm worried someone has my PII and is trying to open up an account so I called Transunion first to file a dispute and freeze my account. They said I would have to also obtain a ftc report in order for the inquiry to be removed. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: NY

Complaint narrative:
I have not taken any actions by the company because I have no information about them other than their name is Williams and fudge and their phone number is XXXX. I have never been contacted by them in writing to validate the debt. They have been sending me text messages asking to call them with no further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
I have been paying my mortgage on my house to Movement Mortgage for four years. I pay online. In the last six months I have been having problems with their site and have had to call. Their site redlines my user name and wont accept it when I try to verify it the site gives me the same user name and asks me to change my password which I have done with still no ability to pay. I call customer service and spend several hours with them trying to fix it to be told fill out new account information. Finally after two days and many hours the site accepted my payment also the supervisor talked over me several times told me to go with XXXX which is unprofessional. I am very upset with their handling of my business and therefore am making this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
XXXX XXXX refunded me {$710.00} to the debit card ending in XXXX, Wells Fargo has insisted they didnt receive it but XXXX XXXX me with the trace numbers and information. Wells Fargo needs to refund me the money that was sent to the closed debit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I have XXXX American Express gift cards that I can not use in any online store. In fact, the stores are charging me {$.00} each time they try to validate the card so my balance is decreasing but the card is virtually unusable. 

I have tried the card at XXXX, XXXX XXXX, XXXX and more to no avail. I also tried to update the card with my name and shipping address but that is also not a function Amex allows.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Subject : Demand for Immediate Deletion Resolution of Data Breach Impacting My Credit Report Dear XXXX & TRANSUNION I am writing to express my absolute outrage and deep concern regarding the data breach that has compromised my personal and financial information, resulting in an adverse impact on my credit report. This breach is a blatant violation of my privacy and consumer rights, and I demand immediate corrective action and accountability. 

Your failure to protect sensitive information has caused unwarranted harm, including [ briefly describe any specific consequences youve experienced, such as fraudulent accounts, credit score drops, denied applications, etc. ]. This is not only negligent but also inexcusable. 

Here are my demands for immediate action : 1. Thorough Investigation : I demand a full investigation into this breach, including a detailed explanation of how my information was compromised. I expect a written report on your findings.

2. Immediate Correction : Remove all fraudulent accounts, inquiries, and any other inaccuracies from my credit report immediately. Provide me with a clean and corrected credit report withinXX/XX/XXXX days of receiving this letter.

3. Enhanced Security Measures : Inform me of the steps you are taking to ensure that this breach does not occur again. Your lack of effective safeguards has resulted in the loss of my trust.

4. Compensation : I hold you liable for any financial harm and emotional distress caused by this breach. Provide details on how you intend to compensate me for damages incurred. 
5. Confirmation of Compliance : Provide written confirmation that all actions outlined above have been taken. Failure to comply promptly will leave me no choice but to pursue legal action. 


This issue demands your immediate attention. You have allowed your negligence to damage my financial stability, and I expect nothing less than a swift resolution. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit 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: MS

Complaint narrative:
Subject : Demand for Immediate Deletion Resolution of Data Breach Impacting My Credit Report Dear EXPERIAN & XXXX I am writing to express my absolute outrage and deep concern regarding the data breach that has compromised my personal and financial information, resulting in an adverse impact on my credit report. This breach is a blatant violation of my privacy and consumer rights, and I demand immediate corrective action and accountability. 

Your failure to protect sensitive information has caused unwarranted harm, including [ briefly describe any specific consequences youve experienced, such as fraudulent accounts, credit score drops, denied applications, etc. ]. This is not only negligent but also inexcusable. 

Here are my demands for immediate action : 1. Thorough Investigation : I demand a full investigation into this breach, including a detailed explanation of how my information was compromised. I expect a written report on your findings.

2. Immediate Correction : Remove all fraudulent accounts, inquiries, and any other inaccuracies from my credit report immediately. Provide me with a clean and corrected credit report within 15 days of receiving this letter. 
3. Enhanced Security Measures : Inform me of the steps you are taking to ensure that this breach does not occur again. Your lack of effective safeguards has resulted in the loss of my trust.

4. Compensation : I hold you liable for any financial harm and emotional distress caused by this breach. Provide details on how you intend to compensate me for damages incurred.

5. Confirmation of Compliance : Provide written confirmation that all actions outlined above have been taken. Failure to comply promptly will leave me no choice but to pursue legal action. 


This issue demands your immediate attention. You have allowed your negligence to damage my financial stability, and I expect nothing less than a swift resolution. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
XXXX XXXX, 2024 the insurance company sent off a payoff check. I reached out to the loan company Santander consumer USA that same week they told me the initiated the gap claim. XXXX XXXX 2024 the loan was not paid off. I reached out to Santander again and they said the claim was submitted. The gap company said the claim was never initiated. Contacted Santander again let them know they said they just saw an email from XX/XX/scrub> 2024 that the gap company needed documentation. The representative then told its not there responsibility to file gap and said it was mine and refused to send me any documentation needed towards initiating the claim. I have until XX/XX/XXXX theXX/XX/XXXX days after the total date to submit the documents or it voids my gap contract.

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

Complaint narrative:
The laws established by XXXX to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name :XX/XX/XXXXAccount Number : XXXX Balance : {$580.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX Account XXXX : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXXXX/XX/XXXXAccount Number : XXXX Balance : {$500.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$850.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$440.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX EQUIFAX XXXX on XX/XX/XXXX XXXX CARD SERVICES XXXX XX/XX/XXXX XXXX XX/XX/XXXX on XX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: PA

Complaint narrative:
From XXXX, my XXXX XXXX XXXXXXXX benefits have been received on a direct express card, I have always went to XXXXXXXX XXXX and incurred a XXXX withdrawal fee per transaction, XXXX transactions to take my whole check off of card to not waste any more of my money if fees. XXXX allows you to withdraw XXXX at a time and XXXX XXXX only XXXX at a time for comparable fee. My son became XXXX in XXXX and as his payee, his benefits are on my card as well, more XXXX fees. XXXX to remove our benefits from this card every month when they are supposed to be free. I have contacted Direct Express... only a waste of time ... no resolution..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit 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: AR

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
First and foremost, this company Absolute Resolutions Corporation needs to be investigated by the FTC immediately. What they're doing this borderline criminal. I had a XXXX credit card several years ago and the company closed and went out of business. Absolute Resolutions Corporation somehow purchased the debt and attempted to blackmail me in cilvil court by filing a lawsuit without notifying me or sending me any communications to this debt to my knowledge. 

I am filing this report to give attention to the FTC, because this company is taking advantage of consumers and needs to be stopped.

Company response to consumer: Closed with explanation