vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
A data breach happened and the inaccurate information is on my profile. 
Maybe even identity theft by doppelganger

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-03 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : Us department of Edu Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, Us department of Edu Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> ' : I received a call from a Wells Fargo pprepresentative who told me my debit was being cancelled for a year because I XXXX too many claims. I explained to her no one has ever told me I could make too many claims in fact it was suggested to me to make sure I can put in any claims I had and not to wait too long after any issues because it could be harder to dispute. So without warning or prior notice my debit card was revoked for an entire year. Given no consideration that the account is an online account that I pay bills from and I have my direct deposit. I can understand had there been suspicious activity but I had nothing to make them concerned. A payment had to be rerouted preventing me from paying a bill and causing a late fee. This bank seems to protect itself and merchants more so that the customer

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 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
I sent a payment from my XXXX  account to my Wise USD account using Routing and Account number ( from XXXX account number ending in XXXX, to Wise account number ending in XXXX ). Before the payment arrived, they closed my account, and, since my account is closed, they refuse to let me contact them further about this issue. They have kept my {$200.00} and refuse to return it. This is theft, pure and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
On XX/XX/year> I received a text from a debt collection company called XXXX XXXX XXXX for purchase or purchases made under my name. I asked for a copy of the lease they said they would have someone email me a request form for it but they continued to try to collect this debt that is not mine. I then contacted XXXX  directly. I confirmed basic demographics for the representative and immediately told him I was trying to obtain information, including a copy of a lease because that was not mine and I wanted to see where or originated who from etc. I was then told that I can not have any information about it because I was claiming that it was not mine. I was told that would need to submit a police report however he refused to give me the amount I supposedly owe or any other information that I could file a police report for. Addendum, I get a ton of spam email so I use apps to help me clean up and unsubscribe from mailing lists. While I could not locate any emails from XXXX  in my normal email app. I was able to locate one via the XXXX XXXX. This is XXXX  DENYING me credit, so how is it that they are not charging me for something? The only thing I dont agree with on the email is previous lease history because I have never had a lease with these people or any other company for that matter. NEVER. I also am not able to locate a date on this but its attached nevertheless. Note : I am happy to file a police report but how do I do that without any information about this supposed debt I owe?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: MN

Complaint narrative:
Pending legal action against XXXX for failing to properly investigate identity theft matter and slandering my credit report and student aid records. I will be taking action for damages very soon if this is not resolved. Ive submitted multiple documents to the loan company and no response. Or my complaints get deleted and ignored.

POLICE REPORT ATTACHED. Im submitting official government documents to support my identity theft claim with XXXX. This company keeps adding loans on my consumer report and is supposed to block the information from the three bureaus while its being investigated. These accounts were not opened by XXXX XXXX. I do not have a contract with this company nor have I ever attended century college. There is no contract matching my Id and signature. Im demanding a written copy of my wet ink signature for forensic investigation to support my claim. I will pursue {$1000.00} for each inaccurate violation and failure to give me a fair investigation. I have sever damages and can not attend college or get a home. These damages are in excess of {$100000.00} which I intend to sue for if this is not taken serious. Investigate delete from my student aid account immediately while you process the identity theft and police report. My signature is provided on the documents 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 2025-01-03 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
I got approved on XXXX, XXXX, XX/XX/XXXX at XXXX of XXXX XXXX ( XXXX XXXX ) and to extend my credit by signing autograph on credit application i entered into a consumer credit transaction where cash can not be allocated into such a term " credit '' My TILA & EOCA have been violated along with some chapter 15 U.S.C. Codes ( i.e ) 1, 5, U.S.C. 1662b. The down payment went from {$5000.00} to {$1500.00} to {$700.00} in under 2 hours. Calls have been recorded on my end from Both XXXX OF XXXX XXXX as the dealer & AMERICAS CREDIT AND ACCEPTANCE as a partial lender both parties telling me the other party is the one asking for the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CNG HOLDINGS INC
State: DE

Complaint narrative:
XXXX I have contacted the XXXX multiple times about my check for {$1100.00}. I never received the check. I called in and emailed multiple times w/o success of the location of the check except it is in process. Because I never received an initial check and they re-issued another check as I was informed over the phone today, I am very concerned because if they mailed an initial check, where is it? Because I was informed they have my correct address and contact information, where is the check and who was it really sent to? I was told to give it time w/o a time frame quoted! When will I receive the check from CFPB-TEMPOE-REDRESS and how can I be sure they will send the check to the right address this time??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
IM ASKING XXXX TO READ ALL MY DOCUMENTS TO REMOVE THIS ERROR ON XXXX XXXX, PUTTING A LATE PAYMENT ON MY ALMOST PERFECT CREDIT REPORT,,, ,XXXX XXXX IS NOT FOR THEIR CUSTOMERS... IT'S XXXX XXXX THAT DID NOT FOLLOW THE CODE 15 U.S. CODE & 1666b- TIMING OF PAYMENTS ... .A CREDITOR MAY NOT TREAT A PAYMENT OF A CREDIT CARD OR A LINE OF CREDIT AS LATE FOR ANY PURPOSE, UNLESS THE CREDITOR HAS ADOPTED REASONABLE PROCEDURES DESIGNED TO ENSURE THAT EACH PERIODIC STATEMENT INCLUDING THE INFORMATION REQUIRED BY SECTION 1637 ( b ) OF THIS TITLE IS MAILED OR DELIVERED TO CONSUMER NO LATER THAN 21 DAYS BEFORE THE PAYMENT DUE DATE ... .THIS DID NOT HAPPPEN ... IM ASKING XXXX TO CAREFULLY READ ALL MY DOCUMENTATATION AND REMOVE THE LATE FEE PLEASE ... XXXX XXXX IS THE CAUSE OF ALL OF THIS WITH ME BEING A FRAUD VICTIM AT THEIR BANK..AND XXXX XXXX REP DID NOT LINK MY NEW CHECKING ACCOUNT TO MY LINE OF CREDIT, MY LINE OF CREDIT WAS ALREADY LINKED TO MY OLD CHECKING ACCOUNT BEFORE I WAS A VICTIM AT THIS BANK, AFTER THE REP CLOSED OUT MY OLD ACCOUNT AND ADDED A NEW CHECKING ACCOUNT SHE WAS SUPPOSE TO LINK THE ACCOUNT, BUT XXXX IS COVERING THIS UP ... IM SEND ALL DOCUMENTATION... XXXX KEEP SEND ME STUPID LETTERS DEALING WITH THE FRAUD ... .THE FRAUD IS OVER WITH, THIS HAPPEENED BECAUSE OF THE FRAUD AT XXXX XXXX, MY ACCOUNT WAS AND ALWAYS HAS BEEN IN GOOD STANDING... DOCUMENTS SPEAK FOR THEMSELVES, XXXX XXXX OWN BANK MANAGER SAID IN AN EMAIL SHE SENT TO ME THAT I WAS NOT LATE FOR XXXX AND XXXXXXXX XXXX XXXX..WHAT IS THE PROBLEM, REMOVE

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-03 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: OH

Complaint narrative:
I was looking over my credit fi le and I found several account items the I do not recognize and inaccurate information as well. Under FCRA 623 AND 611 the following account are in violation of 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I HAVE FILED A CFPBAND XXXX POLICE 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 2025-01-03 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: UT

Complaint narrative:
PLEASE HAVE THESE INQUIRY REMOVED FROM MY CREDIT REPORT AS SOON A POSSIBLE NONE OF THESE BELONG TO ME I NEVER APPLIED TO ANY OF THESE ACCOUNTS I ALSO REACHED OUT TO SEE IF THE COMPANY HAD ANY ACCOUNTS OPEN WITH MY NAME AND SSN THEY ALL TOLD ME NO THEY DIDNT HAVE ANY INFORMATION ON THESE ACCOUNTS

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-01-03 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IA

Complaint narrative:
On XXXX separate occasions I have completed the online XXXX enrollment form for my Mohela serviced federal student loans. ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ). On each occasion, I received an automated email saying my autopay request would be processed within XXXX business days. On all occasions, I heard nothing else on this request and was not enrolled in autopay. As such, the .25 % interest rate adjustment was not applied to my account, and I must continue to make online payments rather than having the payments automatically withdraw. 

I also used the online inbox feature and requested they process my request on XX/XX/year> and XX/XX/year> with no meaningful responses received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I paid them {$75.00} per month for about 5 or 6 months. They did not provide the service but continued to take money out my account.

Company response to consumer: Closed with explanation