vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: VA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2025-01-23 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: GA

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding my auto loan with Capital One Auto Finance. I financed a vehicle through Capital One, but they failed to secure the vehicles title. I wasnt aware until it was time to renew the registration. This has left me unable to register or legally drive the car for over a year. 

I have repeatedly contacted Capital One about the title issue from approximately XXXX of XXXX  to XX/XX/XXXXXXXX  but they have not resolved it. I have been assured multiple times that they were working on it, but no progress has been made. As a result, I stopped making payments on the loan because I cant afford to pay on a vehicle I cant use. 

Recently, Capital One offered me a settlement of {$4300.00} to resolve the loan. However, I believe this is unreasonable given that I can not drive or register the vehicle due to their failure to secure the title. Additionally, Capital One continues to report the delinquency to credit bureaus, causing harm to my credit despite the fact that this situation stems entirely from their negligence. 

I also attempted to voluntarily surrender the vehicle, but Capital One refused to accept it because of the missing title. This leaves me in a position where I am expected to pay for a car that I can not use or return, while my credit continues to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NV

Complaint narrative:
I am writing to formally dispute the default status of my student loan serviced by XXXX, which was transferred to collections. During the COVID-19 pandemic, all my student loans were placed on temporary pause, as per federal guidelines. Once repayment resumed, I began making on-time payments to all my student loan providers, including XXXX and XXXX. 

However, upon reviewing my credit report, I discovered that my XXXX account was marked as defaulted, with 35 missed months of payments reported. The account was subsequently closed and transferred to collections for {$1300.00}. I was never notified of this default, nor did I receive any written notice regarding the resumption of payments. As a result, I was unaware of the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute the default status of my student loan serviced by XXXX, which was transferred to collections. During the COVID-19 pandemic, all my student loans were placed on temporary pause, as per federal guidelines. Once repayment resumed, I began making on-time payments to all my student loan providers, including XXXX and XXXX. 

However, upon reviewing my credit report, I discovered that my XXXX account was marked as defaulted, with 35 missed months of payments reported. The account was subsequently closed and transferred to collections for {$1300.00}. I was never notified of this default, nor did I receive any written notice regarding the resumption of payments. As a result, I was unaware of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute the default status of my student loan serviced by XXXX, which was transferred to collections. During the COVID-19 pandemic, all my student loans were placed on temporary pause, as per federal guidelines. Once repayment resumed, I began making on-time payments to all my student loan providers, including XXXX and XXXX. 

However, upon reviewing my credit report, I discovered that my XXXX account was marked as defaulted, with 35 missed months of payments reported. The account was subsequently closed and transferred to collections for {$1300.00}. I was never notified of this default, nor did I receive any written notice regarding the resumption of payments. As a result, I was unaware of the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
Please look into this. I have sent these companies several documents different times and they are saying they can't investigate the accounts anymore. It has been months, I and asking for them to block these accounts. 


I have provided this information they have requested, several times and they have not honered the request dispite me giving the police reports, fraud verification and various reasoning. 


They have said they don't know which accounts to block and I have submitted the accounts to block as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Ive sent money to wrong person and was denied my money back. My account was also hacked and purchasers where made I didnt authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I reached out to XXXX XXXX to inquire about insurance for my car. XXXX XXXX quoted me {$1100.00} to open a policy and $ XXXX  monthly for one driver & {$1100.00} and {$740.00} for two drivers. I decided to go with the policy for one driver and was told by XXXX XXXX that zelle, XXXX, and XXXX XXXX  were the only payment methods that he could accept, even after I asked him if I can pay the company directly. The policy was instated from XX/XX/XXXXXXXX  and was cancelled on XX/XX/XXXX per the State of New York DMV. Not knowing this information, I submitted a payment of {$740.00} to XXXX XXXX XXXX though Zelle on XX/XX/XXXX. I received the first notice of no coverage on XX/XX/XXXX through the mail and informed XXXX XXXX. XXXX XXXX told me that he would take care of the issue and that he would send over a confirmation. He never did. I made another payment through Zelle on XX/XX/XXXX to XXXX XXXX. On XX/XX/XXXX, I received a letter from the DMV stating that my registration would be suspended on XX/XX/XXXX. I reached out to XXXX XXXX to further inquire, and he told me that I was now on a different policy. While the DMV website does not reflect any insurance, XXXX XXXX was adamant that I was covered and that he had put me on a new policy. The new policy that he placed me with was a policy out of New Jersey. When I told XXXX XXXX that this is unacceptable and that I needed a separate policy in the state of New York, he kept telling me my policy was a New York Policy. After speaking with multiple other insurance agents, the XXXX and XXXX XXXX agents, I confirmed that this practice was not legitimate. I requested that XXXX XXXX issue a refund due to the service solicited not being provided for the duration of which I paid, as well as monetary damages due to the penalties issued by the state DMV for lapse of insurance and potential suspension of my registration. XXXX XXXX told me that " ( I ) can call the police or get physical but that not happening '' and said he will only refund me one month after he 'cancels ' the policy in 5 to 7 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
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. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2025-01-23 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:
XXXX XXXX, XXXX - Date Opened ( XX/XX/XXXX ) Account Number Ending In ( XXXX ) XXXX XXXX XXXX - Date Opened ( XX/XX/XXXX ) Account Number Ending In ( XXXX ) XXXX XXXX XXXX - Date Opened ( XX/XX/XXXX ) Account Number Ending In ( XXXX ) Amount ( {$570.00} ) All of this information above is fraudulent and I am writing to formally file a dispute regarding a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) by Equifax. I believe that Equifax has failed to comply with its obligations under the FCRA in relation to my credit report and have caused harm to my financial well-being. Equifax has failed to correct inaccurate information that I disputed on my credit report, despite providing sufficient evidence supporting my claim. Additionally, they did not notify me of the results of their investigation as required by the FCR

A. Specifically, Equifax has violated the following provisions of the FCRA : Section 1681i : Failure to conduct a reasonable investigation after receiving a consumer dispute. Section 1681e ( b ) : Failure to maintain accurate information on my credit
report.

Despite my repeated attempts to resolve this matter directly with Equifax, the issues have not been addressed, and I believe my consumer rights have been violated. I am requesting the CFPBs assistance in investigating this matter and ensuring that Equifax complies with its obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
Complaint : I am filing this complaint because Experian has failed to properly investigate and verify accounts I have disputed as inaccurate on my credit report. Despite providing detailed information and supporting evidence to substantiate my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Accuracy of Reporting Credit reporting agencies must use reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

and 15 U.S.C. 1681i ( a ) : Reinvestigation of Disputed Information When a consumer disputes the accuracy of an item, the agency must conduct a reasonable investigation and promptly correct any errors.

Experians failure to comply with the FCRA has caused me significant harm by negatively impacting my credit profile and financial well-being. Specifically : * Experian has failed to notify me of the methods used to verify the disputed accounts.

* Experian has not provided any documentation or proof from the furnishers of the disputed information to confirm its accuracy. 
* My disputes have been dismissed without a proper reinvestigation, in violation of the legal requirements under the FCRA.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Someone scammed my Wells Fargo account through XXXX. Wells Fargo never gave my money back. But instead the decided to end my relationship with the bank.

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 2025-01-23 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: NC

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2025-01-23 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: NC

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2025-01-23 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I requested for the company to send me information showing that I signed any documents showing I owe this debt validation and that I'm aware of the owing this debt. I have not received anything as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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.

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 Account Number : XXXX Balance : {$17000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

INQUIRY : EXPERIAN : XXXX XXXX XXXX on XX/XX/year> These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

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 2025-01-23 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.

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 Account Number : XXXX Balance : {$17000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

INQUIRY : XXXX : XXXX XXXX XXXX on XX/XX/year> These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

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 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When I opened my account this XXXX, I activated a new account coupon around XX/XX/XXXX. The conditions were to complete the college task for {$100.00}, the savings task for {$200.00}, and if both were completed, an additional {$400.00} bonus would be awarded. I specifically confirmed the coupon conditions with the message center at CHASE, and they replied that these requirements were indeed correct. I could also see the same information on the mobile app. 

However, after I completed the second task on XX/XX/XXXX, I did not receive the additional {$400.00} bonus. I contacted CHASE 's message center to inquire about this, and at first, they had no idea what had happened. Later, their research team informed me that I was not eligible for the additional bonus because my account type did not meet the requirements. 

I believe this response contradicts the information they previously provided me, and they failed to inform me in advance that switching account types would render the coupon invalid ( which, in fact, should not invalidate it since I completed the first task after switching accounts ). Therefore, I have reason to argue that their refusal is unreasonable.

Company response to consumer: Closed with explanation