vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, Apt XXXX XXXX XXXX TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

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 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OpenRoad Lending
State: CA

Complaint narrative:
Was offered a refinance offer by Open Road Lending in regards to my XXXX XXXX motorcycle loan on XX/XX/year>. After contacting them to finalize the refinance they notified me they do not offer refinancing on motorcycles. This offer was sent to me in regards to my motorcycle which was made very clear in the pre approved offer I was sent. I now have a hard inquiry on my credit that they can not fix nor did they offer to attempt to fix this issue or even assist with pointing me in the right direction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
There are XXXX inquiries on my credit report that I never received or applied for anything from those companies XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never done business with them company at all. Im a old woman and dont need this headache

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 2025-02-26 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: NY

Complaint narrative:
There are XXXX inquiries on my credit report that I never received or applied for anything from those companies XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never done business with them company at all. Im a old woman and dont need this headache

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
The debt collector who purchased this debt from my original creditor ( I C System ) has attempted to re-age this debt to XXXX, when in fact the original creditor, XXXX XXXX XXXX, reflects that this account was closed in XXXX of 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 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C.

5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of 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 2025-02-26 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: Tenant Data Services Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is claiming that I have an eviction on my record with them, but they are unable to access my information to verify whether I actually owe them anything or locate me in their system. I believe this should be removed from my public record in tenant screenings, as it is preventing me from securing housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is about the Wellsfargo complaint I have many charges to my account that werent approved as in random monthly charges etc

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 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ca, XXXX SS # XXXX P ) XXXX XXXX ) XXXX TransUnion LLC Consumer dispute center XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute of Identity Theft and Inaccurate Information on Credit Report Dear TransUnion, I am writing to urgently dispute an account on my credit report that is a result of identity theft. The account in question, reported by XXXX XXXX XXXX, does not belong to me and needs to be removed from my credit report immediately. The details of the disputed account are as follows : XXXX XXXX XXXX, Account Number : XXXX. I received an email stating my case was still under review and no changes were made too my credit profile. I mailed all information requested FTC Identity Theft Report ( Report Number : XXXX ) and other personal information on two separate occasions, as requested by a previous TransUnion investigator. I request that you provide me with the status of this case and remove the inaccurate information from my credit profile without further delay. Please find enclosed a copy of the FTC report and any other relevant documentation. Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. Sincerely, 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 2025-02-26 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:
Under 15 USC XXXXi ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
I am in receipt of your notices dated XX/XX/year>. In your first notice you, meaning EQUIFAX, have stated that you will not remove the accounts that I have declared as inaccurate due to identity theft. Under 15 U.S.C. XXXXn this adverse action demonstrates wilful noncompliance as I have provided you with the necessary proof of the identity theft with a notarized affidavit and FTC Identity Theft Report. Under 15 U.S.C. XXXX, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by the consumer ''. You're now liable for violating 15 U.S.C. XXXX for failing to block and remove the inaccurate accounts within XXXX days resulting from identity theft. 

In your second notice you've stated that I didn't provide you with the appropriate identification documents to process my dispute which is a misrepresentation of material facts. This is a stall tactic that you have used in past disputes when you've been provided with the proper documentation. Enclosed with my notarized Notice of Dispute sent to you on XX/XX/year>, I provided a copy of my Passport Card and Social Security Card which is listed in your notice as, [ Category XXXX ) IDENTIFICATION ] ; and a copy of my Pay Stub/Benefit Statement with my current mailing address listed from the XXXX XXXX  Administration which is listed in your notice as [ Category XXXX ) CURRENT ADDRESS ]. I sent this Notice of Dispute via XXXX XXXX Mail # XXXX XXXX XXXX XXXX XXXX XXXX which was signed by you on XX/XX/year> which is proof of delivery. Being that you received my dispute on XX/XX/year> you will not be granted any additional time to complete your investigation of my dispute and provide me the results. The FCRA states you must complete this investigation no later than XXXX days so with that being understood I expect you to process my dispute and send me the results of your investigation no later than XX/XX/year>. Copies of all correspondence attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX hunter warfeild This is not mines! 
XX/XX/scrub> XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Very upset with company they closed my account the day i made the payment they had me verify my bank thru there system today to get my credit sooner then sent me a email to do so. I accidentally made a mistake and made a payment online thru a old bank account that is associated with my active account which is still the active account so i called in when i noticed today that my account was restricted spoke with representative he never said anything for a whole minute so i asked to speak with a supervisor and he was very rude he threatened me by telling me that he not reopening my account theres nothing your going to able to do u should hang up call someone else rude he yelled at me im so depressed by the way this representative spoke with me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per XXXX XXXX, I am formally requesting their removal within the next XXXX days. Relevant documents are attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 recently discovered that I have been a victim of identity theft, leading to unauthorized inquiries and fraudulent accounts appearing on my TransUnion credit report. 

The following inquiries were made without my authorization : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Additionally, TransUnion reports the following fraudulent accounts that were opened under my name without my consent : XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX These accounts and inquiries are negatively impacting my credit score, and I did not authorize them. I have already filed an Identity Theft Report with the FTC ( Report Number : XXXX ) and request that these fraudulent entries be removed.

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 2025-02-26 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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 became aware that my identity has been compromised, leading to fraudulent accounts and unauthorized inquiries on my Experian credit report. 

The following inquiries appeared on my report without my authorization : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Additionally, Experian is reporting the following fraudulent accounts that I did not open : XXXX XXXX XXXX Opened XX/XX/XXXX, identified as fraudulent in XX/XX/XXXX XXXX Bank XXXX Opened XX/XX/XXXX, identified in XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, identified in XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, identified in XX/XX/XXXX These fraudulent activities have negatively impacted my credit score. I have filed an FTC Identity Theft Report ( Report Number : XXXX ) and request that these inaccurate items be removed.

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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: MN

Complaint narrative:
On XX/XX/year> I contacted Discover XXXX XXXX about my credit card account balances. I have a balance that is subject to a special transfer rate and it expires on XX/XX/year>. I wanted to know how to make payments on that specific balance so that it would be paid off before it is subject to interest dating back to the initial transfer date. I was told that I can not do that, that the minimum payment is applied to the lowest interest rate first ( which is my balance transfer ) but all additional funds are always applied to the higher interest rate balance after that. Based on that, I would never be able to pay the transfer balance off before it expires unless I pay off the entire account balance. I requested they file a complaint as I should be allowed to pay this balance off before it expires. I even asked if I could send the payment with instructions in writing and was told it's just not an option. I feel like if you can't pay it off it's just a scam to make interest off you by promising low interest and then not letting you pay it off so they can charge you interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My wife and I rented a car from XXXX while vacationing in the XXXX of XXXX. We hit a curb while making a U-Turn ( no more than XXXX ) and the tire suffered a leak. We had to call a tow-truck to take it back to the rental agency near our hotel to swap out the vehicle. Upon return to the US, we were sent a bill for {$4000.00} for the services and flat tire. 

I have submitted documentation and attempted to escalate the issue with American Express ( which also provided XXXX XXXX XXXX ) and yet they refuse to reverse the charge. We received documentation ( in XXXX, which we don't speak ), but {$4000.00} for a flat tire is OUTRAGEOUS! That cost more than the trip itself!! 

We would greatly appreciate any assistance the CFPB can provide in escalating the matter to either XXXX XXXX or American Express.

Company response to consumer: Closed with monetary relief