vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent in a copy of my DL and SS card with a cover sheet stating that I need them to remove inaccurate information, and they have yet to do what I have asked. I also asked them to remove certain accounts that are reporting that I have no knowledge of and they have done nothing for me.

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 2025-02-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
I am XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I only get my phone a certain time I cant keep trying to contact however from Spring Oaks.I dont know how they got this email but I have cussed them out for this mess! I had lost my job was unemployed for over a year XXXX XXXX XXXXXXXX XXXX to try to get money. I am in XXXX  like I said soon going to be XXXX  XXXX  of United States to my new XXXX XXXX Also I want Spring Iaks to stop sending any mail to XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

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 2025-02-27 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate negative accounts and delinquency records on my credit report. Upon reviewing my report from Equifax, Experian, and TransUnion, I discovered incorrect negative information that does not belong to me and is damaging my credit score. 

These errors include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX accounts XXXX fraudulent delinquency reports, and incorrectly reported late payments. I believe these inaccuracies may be the result of identity theft or reporting errors. Despite my efforts to dispute these items directly with the credit bureaus and creditors, the issues remain unresolved. 

The presence of these incorrect accounts has significantly impacted my financial well-being, affecting my ability to secure credit, loans, and other essential financial services. I am requesting the CFPB to investigate this matter and ensure that the inaccurate negative information is removed from my credit file.

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 2025-02-27 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: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue 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 non-monetary relief
Consumer complaint received 2025-02-27 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have been trying to get this modification on my mother 's reverse mortgage. I want to buy the house back from PHH. An I hired my lawyer at XXXX XXXX XXXX. They are trying to get this done. The haven't gotten any response from the mortgage company, PHH Can you or anyone demand they communicate with XXXX XXXX. 
an as I am waiting again to hear from them, along with the XXXX XXXX. 
This is stressful I don't want to lose the house my grandparents had then my parents had. 
I have the home in my name, just trying to get a modification done. I have sent all the paperwork they've asked for. That was around XXXX XXXXEven before XXXX.really. I have all the paperwork from PHH had me do. And the law firm XXXX XXXX has sent things to do this, and they don't respond. 

PHH mortgage company- reverse XXXX XXXX my Lawyer when you call PHH you get someone in the Philippines.They dont know what's going on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer for over 30 years and have a checking and savings account enrolled in the " Save As You Go '' transfer program. This program was advertised as a way to waive the monthly service fee. However, despite meeting the stated requirements, I was charged a monthly service fee on multiple occasions. 

When I contacted Wells Fargo for an explanation, I received misleading and conflicting information from multiple representatives. One falsely claimed I must have changed my transfer settings, which I did not. Another told me there was an additional requirement to make debit purchases or bill payments, which was never disclosed when I enrolled in the program.

I asked for official documentation proving these requirements, but the representatives struggled to find it. One representative provided me with a separate URL buried within my monthly statement PDF, claiming it contained the relevant terms. However, when I copied and pasted the link, there was no mention of 'Save As You Go ' anywhere on that page. Additionally, I was directed to a FAQ link titled " What fees other than monthly service fees are calculated monthly for my consumer account? " which is misleading because I was specifically seeking information about monthly service fees. 

When I asked for proof of when and how I was notified of this requirement ( email or mail ), they placed me on hold for over 20 minutes and could not provide a clear answer.

After 2.5 hours on the phone and multiple escalations, I was told they could only file a complaint and could not immediately refund the improper fees. 

Requested Resolution : A full refund of all improperly charged service fees. 
A written explanation of the current 'Save As You Go ' terms and all requirements to waive monthly fees.

A review of Wells Fargos disclosure practices to ensure this information is clearly provided to customers. 
This appears to be an unfair and deceptive fee practice, and I urge the CFPB to investigate.

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 2025-02-27 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-27 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: NY

Complaint narrative:
I was renting at parkstead XXXX and ended my lease. When I moved out I was charged for an extra month even after I gave more than a 30 day notice. I disputed this with parkstead multiple times and it was sent to Carter young a collection agency. I ended up making contact with XXXX XXXX who works for XXXX XXXX, which owns parkstead. I was able to clear the confusion up with her and she was able to provide me my security deposit back and started she would inform Carter young that I did not owe any money. I am still receiving emails from Carter young asking for money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: MD

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase 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 2025-02-27 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: PA

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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Action Finance Inc.
State: TX

Complaint narrative:
XX/XX/25 and XX/XX/25 Company : Action Finance The customer portal of Action Finance that shows the customer 's loan information is very misleading. It lists the current amount due and the total amount due. This leads the customer to believe the total amount due is the full balance of the loan which is a reasonable assumption. However, it does not reflect in any way the balance due of the loan. So, the customer makes the total amount due payment thinking that the loan is paid in full. This allows them to charge and collect more in late fees and interest. Other financial companies List the total balance of the loan, the current amount due, and the amount past due which is a reasonable way to inform the customer of their loan information. I believe the Action Finance portal is deliberately set up to mislead.

I've attached a pdf file showing my payment to Action Finance. I've also attached a screen shot of the only information Action Finance gives regarding my loan. It shows the total of the loan to be {$300.00} and the current amount due as {$140.00}. I paid the {$300.00} and called their office. They said my original loan was {$850.00}. I've made XXXX payments of {$140.00} and XXXX payment of {$300.00} and still owe {$700.00}. This is nowhere reflected on my online account. 

They also put false information in the file notes. Example : My physical file at their office shows that I spoke with a person in their office and said I would bring by a small payment that XXXX. However, I haven't spoke with anyone in their office in XXXX weeks. This causes the personnel in the office to get more aggressive because it looks like I lied.

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 2025-02-27 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 explanation
Consumer complaint received 2025-02-27 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: NC

Complaint narrative:
XXXX OF XXXX XXXX XXXX  Dealers, New XX/XX/XXXX Equifax XXXX XXXX VIA DEALER Auto Financing XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Dealers, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Companies - non XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XXXX Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX AND XXXX XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX FINANCIAL Auto Financing XX/XX/XXXX Equifax XXXX XXXX FIN Auto Financing XX/XX/XXXX Equifax XXXX XXXX VIA DEALER Auto Financing XX/XX/XXXX Equifax XXXX OF SOUTH XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX FINANCIAL Auto Financing Companies XX/XX/XXXX XXXX XXXX & XXXX XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX CONSUMER XXXX XXXX Companies - non specic XXXX XXXX OF XXXX XXXX Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX FIN Auto Financing Companies XX/XX/XXXX XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX AUTO Banks and XXXX & XXXX XX/XX/XXXX XXXX XXXX AND XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loans XXXX XX/XX/XXXX Equifax XXXX AUTO FIN Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX Dealers, New XX/XX/XXXX Equifax

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 2025-02-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX OF XXXX XXXX XXXX  Dealers, New XX/XX/XXXX Equifax XXXX XXXX VIA DEALER Auto Financing XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Dealers, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Companies - non XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XXXX Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX AND XXXX XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX FINANCIAL Auto Financing XX/XX/XXXX Equifax XXXX XXXX FIN Auto Financing XX/XX/XXXX Equifax XXXX XXXX VIA DEALER Auto Financing XX/XX/XXXX Equifax XXXX OF SOUTH XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX FINANCIAL Auto Financing Companies XX/XX/XXXX XXXX XXXX & XXXX XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX CONSUMER XXXX XXXX Companies - non specic XXXX XXXX OF XXXX XXXX Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX FIN Auto Financing Companies XX/XX/XXXX XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX AUTO Banks and XXXX & XXXX XX/XX/XXXX XXXX XXXX AND XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loans XXXX XX/XX/XXXX Equifax XXXX AUTO FIN Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX Dealers, New XX/XX/XXXX Equifax

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 2025-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
As per earlier CFPB complaint XXXX, Capital One Bank has acknowledged that error occured for BONUS for my Performance Savings account. However bank tried to deviate from the original commitment of {$1500.00} Bonus and instead Bank credited {$300.00} only to close this matter. 
Capital One CID XXXX I am very much dissatisfied with very clear XXXX points as below 1. Incorrect information provided to customer leading to Bank trust issues 2. No action taken on Bank escalation procedure and moreover no option available to escalation matrix 3. Blocking my cash for way more than 90 day period which was required

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief