vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I disputed {$1500.00} for the Creditor XXXX XXXX  XXXX XXXX an account that is not mine. They did not properly investigate the complaint and I would like this account to be deleted. 

My dispute arises from concerns regarding identity theft and a data breach that may have compromised my personal financial information. Due to this security breach, I believe that this alleged debt is fraudulent and does not belong to me. Case law and regulatory actions affirm that debts arising from identity theft can not be lawfully collected without thorough investigation and verification. See, e.g., In re Equifax Inc. Customer Data Security Breach Litigation, 362 F. Supp. 3d 1295 ( N.D. Ga. 2019 ), which highlights the liabilities arising from data leaks and their impact on financial transactions.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute any fraudulent accounts resulting from identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces that inaccurate or misleading data collection practices are considered unfair and deceptive trade practices. 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), confirms that misrepresentations related to debt validation can constitute FDCPA violations. If your agency obtained this debt from a compromised data source or an identity thief, continuing collection efforts without verifying the legitimacy of the debt could constitute an unfair practice under 15 U.S.C. 1692e.

Given these concerns, I demand : A full forensic audit of the data source used for validation.

Proof that the data has not been compromised by any known breach or identity theft incident.

Immediate cessation of all collection efforts until proper validation is provided.

Confirmation that this disputed debt will not be reported to any credit bureau pending resolution.

Removal of any fraudulent accounts from my credit report pursuant to 15 U.S.C. 1681c-2.

Failure to comply with these requests may result in legal action, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

Please provide the requested validation and respond to this dispute within 30 days of receipt of this letter. I expect written confirmation of your compliance and a clear explanation of your validation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
They continue to open tickets and act like they care and are finding a solution but close them without notice or update! For this issue Ive had maybe XXXX tickets opened and all of them I have to call to get updates only to be told theyve been closed!!! They keep responding with blanketed scripted responses with NO SUBSTANCE!! They didnt resolve the issue because on THEIR monitored and recorded lines their manager have said several times we see you arent enrolled! Its said it cant verify my identity every time yet my direct deposit comes here and they allowed me to open up LEGAL INVESTING AND STOCK ACCOUNTS!! SO HOW CAN THEY NOT VERIFY MY IDENTITY?? The issue is a SoFi technical issue and instead of them addressing the root issue theyre trying to push it off and sweep it under the rug as you tried to many times Ive NEVER had access too open the account because its always said it cant verify my identity!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a law suit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputes outcomes. These failures align with my experience where experience has neither corrected nor removed dispute items despited items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction and carelessness violates federal law and my rights as a 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 explanation
Consumer complaint received 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Not able to access my credit report online or file a complaint online. This has been going on for 2 years now and has been reported several times and each time they tell me its my web browser and its not because my daughter son and husband can access their accounts online from the same computer and web browser. They have locked me out of my online account and not updating or correcting or investigating my complaint and just sending it all back as verified when its not because its not matching my other credit reports as the other two 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 non-monetary relief
Consumer complaint received 2025-02-20 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: IN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CUSOMER RIGHTS TO PRIVACY AND CONFIDENTIALTY UNDER XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX IN AMOUNT XXXX. THEY HAVE VIOLATED MY RIGHTS. I LOOKED AT MY EQUIFAX CREDIT REPORT ON XX/XX/XXXX, AND NOTICED THAT THERE IS INCOMPLETE AND NOT ACCURATE INFORMATION ON MY EQUIFAX REORT. INFORMATION ON THIS REPORT MUST BE ACCURATE ACCORDING TO THE LAW XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
I was able to reach a human on Monday by choosing the lost or stolen option by calling their only customer service number, XXXX. I explained to their representative how I was not able to use their app which is required to access my account. She said she would report the problem but I have heard nothing. Today I tried to speak again to someone and now their automated response, on every option offered, requires me to use their app to respond to a push to proceed. I tried several times to download their app and can not. They have in excess of {$15000.00} of my funds.

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 2025-02-20 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-20 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Was informed that my data was breached, being used

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CA

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 non-monetary relief
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MI

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello. This is XXXX XXXX in reference to claim : XXXX. 
Right after receiving communion from consumerfinance yesterday, I received a phone call from XXXX Call from XXXX XXXX he didnt share his last name ), who said he's from corporate office of XXXX through PayPall services. He said he's called about the current issue I reported with my XXXX account and services I received so far. XXXX was very unpleasant, rude and unprofessional to say the least. My communication with XXXX was frustrating, upsetting, and disheartening, especially when I was seeking help on resolution of the issue. XXXX was saying the same thing over and over again without hearing what I was trying to say or explain, he was interrupting me, raising his voice, speaking in a condescending tone, showing a lack of patience, and even dismissing concerns outright. This kind of behavior made me feel as XXXX customer unvalued, harassed, and unprotected. I said that to XXXX many times during conversation, and he continued with the same behavior. Good customer service should be centered around active listening, professionalism, and empathy, but when these qualities are absent, it creates a negative experience that discourages customer loyalty. I seek your help in actions taking against this individual, so no other customers have to suffer through this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MS

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.

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 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX  agreed to take a less amount than what was owed on my account to settle the account. I paid it in full through an attorney. The balance is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
I had a loan for a vehicle the vehicle fell apart less than two years after getting it and I had to do a voluntary repossession I figured that would be better as it wouldn't have a bunch of missed payments until they reposses the vehicle themselves. I called in XXXX XXXX and spoke with them and they sent me papers to sign for a voluntary repossession then proceeded to not get the car until this month. XX/XX/XXXX. Meanwhile all that time the missed payments are racking up on my credit report. What is the point of a voluntary repo if the company isn't going to get the car for 4 months. That's not my fault they didn't get their vehicle until 4 months later I was ready for them to take possession of the car in XXXX XXXX XXXX I signed the voluntary repo paper I shouldn't have to have months of missed payments on my report bc they didn't want to get their car. XXXXXXXX XXXX XXXX  is who I held the loan with and I've disputed the missed payments on all the credit agencies but it just comes back saying that my account is accurate. I'm also being charged storage fees and I signed a voluntary repo so why do I have to pay for that when I signed to take the car. I don't need them to give me time to change my mind they already gave me 5 months.

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I have 2 active settlement claims with cashapp about missing funds and I never got them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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