vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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:
reporting agency block all of the accounts, collections, and inaccurate address Here 's the updated statement with your latest request : Consumer Name : ( Strawman Name Goes Here ) Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : I am filing this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information includes : XXXX XXXX XXXX XXXX # XXXX Nr/SMS Cal # XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize these accounts, collections, or the address XXXX XXXX XXXX XXXX, XXXX, FL XXXX. These accounts do not link to any of my previous or past addresses listed on my credit profile. 

I have attached a list of the hard inquiries in question as well as a copy of my consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission.

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 2024-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I sent a debt verification letter & email to " Credence Resource Management '' XX/XX/year> and XX/XX/year> requesting also the contract this company claims I entered into with them for services rendered by their company for {$120.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-06 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a complaint against sofi Bank for a XXXX XXXX fraudulent charge through XXXX  XXXX  they replied to CFPB with a lying letters saying they did a charge back on XX/XX/XXXX causing yall to close case they never sent me letter but they did reply no charge back took place and supposedly still investigating my you they didn't start reviewing my dispute until I contacted cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: AR

Complaint narrative:
I RECENTLY LOOKED AT MY CREDIT REPORT AND NOTICED XXXX FRAUD ACCOUNTS LISTED ON 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 2024-11-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian i have reported your company to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  for reporting inaccurate information on my credit report. XXXX XXXX has all documents proving that this account was never reported as a collection/Charge off. When I had this loan with XXXX XXXX XXXX all my payments were made on time. Your in violation for reporting inaccurate information on my report for over XXXX  year.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX published customer service phone number takes you to a fully automated system that has no option to speak to an agent to resolve a question that doesn't fit into their automated responses. The only other option given is to use the online chat - that does not work and has never worked when needed. This is an XXXX XXXX to nowhere. The only chance you get to talk with someone is by complaining on social media or searching social media, which I did, to get a phone number that was finally provided by their " customer service '' team. There is no phone number on their website that gives an option to speak to a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am a victim of identity theft as of XXXX of this year. During this incident, on XX/XX/year>, my Experian account was compromised. I got an email saying my profile information was changed. When I went to login, my username/ password was not working. When I clicked " forgot username, '' an email was sent to an email that was not mine. 

I immediately called Experian to come to a resolution. After a number of discussions with many people, I was finally told that I must submit personally identifiable information to confirm my identity and get access to my own account back. When I asked whether they would temporarily disable my account, given that I am calling about being a victim of identity theft, they would not do so. So, despite immediately calling once I received an email about my profile information being changed, they presumably are okay with someone else having access to my credit report and personal information. 

They asked if I wanted to put a fraud alert or credit freeze on the account. When I asked if the person who has control of my account could simply remove the alert / freeze, they said yes. 

I sent my personal information required to prove who I am on XX/XX/year>. After following up multiple times, it took an additional follow up email for them to finally say it wasn't what they needed, and that it was " blurry. '' This email was sent to me on XX/XX/year>. When I called on XX/XX/year>, I was told it could take XXXX additional days to resolve this matter, despite being told initially it would take XXXX business days. Meanwhile, the fraudster still has control of my Experian account. 

The fact that XXXX of the main credit bureaus automatically updates profile information without first emailing/ calling the customer is absurd. Not only this, but once an account is compromised, they do absolutely nothing to assure the victims of identity theft and fraud that they are resolving the matter or mitigating and further damage. 

For a company that collects and stores personal and sensitive data about people, their security measures are woefully inadequate. Their customer service is even worse.

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 2024-11-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant XXXX  to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-11-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of identity theft, My drivers license, Social Security card were stolen years ago out of my car while working out at a XXXX XXXX XXXX gym in XXXX California. 

The local authorities were dispatched a report was taken of the incident. I immediately proceeded to my bank to close all accounts, As I reach the teller I was advised by security that a man was trying to cash a check which were one of the items that were stolen out of my vehicle. 

Moving forward I noticed there were a few unauthorized accounts on my credit report that I have no knowledge of opening. Furthermore I've contacted all three major credit bureaus requested the incorrect information to be removed. 

I also contacted the creditor Wells Fargo bank and initiated a dispute. The investigation resulted in removal of the accounts by the credit bureaus but shortly replaced back on my credit profile. 

I submitted police report, FTC report, banking statement, utility bill that proves where I was maintaining residence for the past XXXX  years. 


Researching the law I learn I was supposed to receive a 1099 for the charge off which would be reported as income on my taxes it was never sent, even tho the accounts weren't mine. Wells Fargo has committed fraud by porting the same account under different account numbers. Im requesting deletion of the accounts from all major credit bureaus.

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 2024-11-06 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NH

Complaint narrative:
On XX/XX/year> my debit card was charged {$52.00} from XXXX XXXX. I immediatedly told the bank that this was noit a vbalid charge anbd disputed the charge and ordered a new card. They claim that they were able to prove I made the charge and refrused XXXX refund the money. They also refused to provide me with any proof of why it was a valid charge. I even reached out to0 XXXX  and they state they cant find the charge evcen throughh i provided them with my banbk statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-06 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: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I filed a complaint but that was with a XXXX XXXX XXXX that was resolved for Americredit/GM financial Acct # XXXX as resolved. The XXXX XXXX XXXX  is a debt over 22 years old. 

According to the response from GM financial On XX/XX/XXXX, you signed a New Jersey Retail Installment Contract ( Contract ) associated with account number XXXX, for a XXXX XXXX XXXX with VIN # XXXX in the amount of {$21000.00} at an Annual Percentage Rate ( APR ) of 19.00 %. The terms agreed to state the account would be paid in 60 monthly installments in the amount of {$560.00}, beginning on XX/XX/XXXX. The account is active with a current deficiency balance of {$11000.00}. 

This states that GM Financial waited 20 years to receive the first payment of XXXX on a 60 month loan on XX/XX/XXXX, and i know longer had the vehicle by then. 

They are now trying to garnish my wages for {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief