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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2025-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
I have contacted both the Department of Education and my loan service Edfinancial multiple times regarding my student loans.

My experience has been the same every time. Both helplines have customer service representatives that claim they can not see my specific account information and claim that I am contacting the wrong entity. DOE reps claim that Edfinancial has the information, Edfinancial claims DOE has the information. This has left me in an endless loop of calling one, then the other. Both parties claim they can not see my specific account information. 

Last week I called the DOE omnibudsman. The representative gave me false information about the type of loans I have taken out. She also accused me of having another party on the line. It was very bizarre. She said she only handles PSLF. I am not in that group. She recommended that I call Edfinancial, which I did. They told me to call the DOE back. 

Here is my question. How many payments have I made over the life of my loans? I entered repayment after XXXX  in XXXX. I should have about XXXX payments. Then I went to XXXX XXXXl & went into an XXXX XXXX. I graduated in XXXX of XXXX with a XXXX. Went back into repayment in XXXX of XXXX. I consolidated my loans in XXXX of XXXX. And I think at that time they became Direct Loans. I made every payment until the COVID forbearance. Then I changed over to Repay, now Save. I went into repayment with everyone else last XXXX. I made XXXX payments then asked to be placed into forbearance because I was pretty sure I was at XXXX payments. 

My frustration is this. No one knows what they are talking about when you call at either place. How am I supposed to make an informed decision when you can't speak to someone who understands your specific needs?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: UT

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am disputing the collection account with LVNVFUNDG account number XXXX, dated XX/XX/year>, with a balance of {$730.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXXLVNVFUNDG provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
Sofi bank will not release my money to save my life. They are saying call the IRS and the IRS and saying I need to call the bank. I am trying to receive my funds before I file a lawsuit against SoFi Bank for breach of contract and a violation of my right to access my funds. They are trying to keep my money that I worked hard for. I have put in several complaints and if iI couldnt mobile deposit the check then why would the bank ( Sofi ) tell me that I can like they said in their last response to my complaint. Cant say I can do something then turn around and say that I cant! This is my last complaint then I am going to sue Sofi bank for then money they have taken and more. I need my money it doesnt take that long to send someone their money especially when Sofi bank states that their investigation has been over and they have already found a ruling. Its no reason for me to be waiting on MY own money! Like ive stated above this is my last time trying to get my money after I am going to let the courts handle this matter because Sofi bank is stealing from me. The IRS stated they have not received any money from Sofi bank that they have claimed they are sending back to them and that they have no dealings in what SoFi bank is doing. So this is my last complaint or I will be suing the bank for breach of contract and a violation of my right to access my funds.

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-06 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:
XXXX XXXX XXXX has an account listed on my credit report that does not belong to me. This was originally a tmobile account. it was disputed and removed previously. The account was sold to XXXXXXXX XXXX XXXX where they reaged and relisted this account in direct violation 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 explanation
Consumer complaint received 2025-01-06 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: VA

Complaint narrative:
These accounts are reporting fraudulently and need to be removed off my credit report immediatly.

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 2025-01-06 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: VA

Complaint narrative:
These accounts are reporting fraudulently and need to be removed off my credit report immediatly.

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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I've had a Robinhood account for several years. I recently added funding and purchased some crypto currency. I made a few purchases in XXXX and a couple transfers of crypto to my cold wallet. Then on XX/XX/XXXX I made a transfer deposit and tried to purchase additional crypto within a short period of time ( 20 minutes ) and they locked my account. I have no access to buy, sell or transfer crypto. I have a cash balance that I cant withdraw. They said it was for safety reasons and requried pictures of my drivers license, photo of myself, and photo of a recent bank statement to be submitted via their app- which I did immediatly. I opened a support case through the Robinhood app. But it just says " You're in line for a support call '' for almost XXXX weeks. No way to contact support. No way to initiate a new case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: AR

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-08 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: LA

Complaint narrative:
This closed collection does not show the amount owed, balance or any payment history XXXX told me that that information did not have to be correct I have ask them several times to remove it from my report if because it's factually inaccurate

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This closed collection does not show the amount owed, balance or any payment history .XXXX  told me that that information did not have to be correct I have ask them several times to remove it from my report if because it's factually inaccurate

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau Name ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account. 
Proof of any payments or transactions associated with the account. 
Any identifying information you have on record that would associate this account with me. 
Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. 

Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. 

Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.

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 2025-01-06 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: MD

Complaint narrative:
Subject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau Name ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account.

Proof of any payments or transactions associated with the account.

Any identifying information you have on record that would associate this account with me.

Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. 

Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. 

Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.

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 2025-01-06 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: GA

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 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 2025-01-06 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am trying to access my account with Experian but my email and phone number do not match their records and thus I am unable to verify my identity and request my Username and Password Reset. I have tried calling Experian 's customer service line but the automated voice message system was unable to transfer me to a real person and kept sending me messages to just loop back to the same error login page. It's very frustrating and I want to be able to log into an account to ensure private identification information ( such as SSN, DOB, and addresses ) are secure.

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 2025-01-06 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: VA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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