vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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 a XXXX XXXX XXXXXXXX XXXX, and as a result of this exploitation, multiple fraudulent collection accounts have been reported on my credit file under " XXXX XXXX XXXX '' with the original creditor being XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened without my knowledge or consent during the period I was being XXXX 

# # # Here 's a detailed breakdown of what happened : - **Duplicate Reporting : ** The same debt is being reported multiple times with varying balances ( {$1400.00}, {$640.00}, {$750.00}, {$210.00}, {$510.00}, {$990.00}, and {$400.00} ), all opened on the same date ( XX/XX/year> ) and last reported on XX/XX/year>. This is misleading and violates the Fair Credit Reporting Act ( FCRA ) Section 623, which mandates that creditors must report accurate information. Reporting the same debt multiple times is causing severe damage to my credit score and financial stability.

- **Misleading and Inaccurate Information : ** By allowing the same debt to appear multiple times, the credit bureaus are failing to provide accurate and complete records, as required under FCRA Section 607. This inaccurate reporting presents a distorted view of my financial history, which is particularly unjust given that these entries are tied to my victimization. 

- **Failure to Properly Verify Debt : ** Despite disputing these entries with all three credit bureaus, they continue to report this debt in multiple instances, violating FCRA Section 611, which requires that disputed debts be verified within 30 days or removed if proven inaccurate. Despite my evidence and dispute, no proper verification was conducted, and the entries remain.

- **Unfair Collection Practices : ** The repeated reporting of this debt by XXXX XXXX XXXX can be seen as harassment and is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This act prohibits debt collectors from engaging in deceptive practices, such as reporting the same debt multiple times to inflate the total amount owed or to harm a consumers credit score unjustly.

These inaccurate and duplicated entries have caused significant financial and emotional distress as I work to rebuild my life after escaping XXXX XXXX. I am requesting immediate action to rectify this situation by removing all fraudulent and duplicate entries from my credit report across XXXX, XXXX, and Equifax. This resolution is essential for me to restore my credit profile and move forward from this traumatic experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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 a XXXX XXXX XXXX XXXX, and as a result of this exploitation, multiple fraudulent collection accounts have been reported on my credit file under " XXXX XXXX XXXX '' with the original creditor being XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were opened without my knowledge or consent during the period I was being XXXX 

# # # Here 's a detailed breakdown of what happened : - **Duplicate Reporting : ** The same debt is being reported multiple times with varying balances ( {$1400.00}, {$640.00}, {$750.00}, {$210.00}, {$510.00}, {$990.00}, and {$400.00} ), all opened on the same date ( XX/XX/year> ) and last reported on XX/XX/year>. This is misleading and violates the Fair Credit Reporting Act ( FCRA ) Section 623, which mandates that creditors must report accurate information. Reporting the same debt multiple times is causing severe damage to my credit score and financial stability. 

- **Misleading and Inaccurate Information : ** By allowing the same debt to appear multiple times, the credit bureaus are failing to provide accurate and complete records, as required under FCRA Section 607. This inaccurate reporting presents a distorted view of my financial history, which is particularly unjust given that these entries are tied to my victimization. 

- **Failure to Properly Verify Debt : ** Despite disputing these entries with all three credit bureaus, they continue to report this debt in multiple instances, violating FCRA Section 611, which requires that disputed debts be verified within 30 days or removed if proven inaccurate. Despite my evidence and dispute, no proper verification was conducted, and the entries remain. 

- **Unfair Collection Practices : ** The repeated reporting of this debt by XXXX XXXX XXXX can be seen as harassment and is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This act prohibits debt collectors from engaging in deceptive practices, such as reporting the same debt multiple times to inflate the total amount owed or to harm a consumers credit score unjustly. 

These inaccurate and duplicated entries have caused significant financial and emotional distress as I work to rebuild my life after escaping XXXX XXXX I am requesting immediate action to rectify this situation by removing all fraudulent and duplicate entries from my credit report across XXXX, Experian, and XXXX. This resolution is essential for me to restore my credit profile and move forward from this traumatic experience.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner is a third party debt collecting company. I never entered into any agreement with them. Caine & Weiner is fraudulently putting information on my credit report and constantly harassing me for a debt I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. The following account ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I made a deposit in XXXX, XX/XX/year>, it was through their mobile app. They immeditaely placed the funds on hold and won't release them to me even though I have made several pleas to them so I can purchase my life saving prescriptions, pay my bills, and buy food. 

I now risk being XXXXXXXX XXXX XXXX facing eviction, and having my kids starve.

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 2024-09-29 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: NE

Complaint narrative:
inaccurate information being reported on my credit profile causing me to be denied credit

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 2024-09-29 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:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-09-29 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:
Consumer name : XXXX XXXX. Social security # XXXX XXXX XX/XX/XXXX this complaint is for all three credit bureaus XXXX, Equifax, XXXX I have made multiple complaints about this company. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account that opened up by OFFICE OF ATTORNEY GENERAL opened up XX/XX/XXXX under account XXXX, XXXX XXXX XXXX opened XXXX XXXX under account XXXX, XXXX XXXX XXXX opened up XX/XX/XXXX under account XXXX XXXX XXXX XXXX under account XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXXXXXX XXXX XXXX opened XX/XX/XXXX under account XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a form I received from XXXX XXXX  account # XXXX that has my name incorrectly as well that need to be Removed from my credit report immediately as it is false information thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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:
Consumer name : XXXX XXXX. Social security # XXXX XXXX XX/XX/XXXX this complaint is for all three credit bureaus XXXX, XXXX, Experian I have made multiple complaints about this company. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account that opened up by OFFICE OF ATTORNEY GENERAL opened up XX/XX/XXXX under account XXXX, XXXX XXXX XXXX opened XXXX XXXX under account XXXX, XXXX XXXX XXXX opened up XX/XX/XXXX under account XXXX XXXX XXXX XXXX under account XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXXXXXX XXXX XXXX  opened XX/XX/XXXX under account XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a form I received from XXXX XXXX  account # XXXX that has my name incorrectly as well that need to be Removed from my credit report immediately as it is false information thank 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 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The items I received from the merchant were chipped and defective. The magnetic strip was too weak to secure them in my car, causing them to slide off when the doors opened and closed. I have sent both video and pictures to the merchant to document the issue. The online advertisement promised tool-free installation, but later I received lengthy instructions and additional tools were required. This is misleading advertising. The merchant repeatedly offered a partial discount, but I declined due to the defective nature of the products, which were unusable. They provided a foreign return address in XXXX, with shipping costs exceeding {$50.00}, while the original purchase price was {$89.00}. This means shipping costs would be 55 % of the items price! I requested a prepaid return label, but instead of providing it, the merchant only offered further discounts and free returns, without addressing the return properly. I have repeatedly expressed my desire to return the defective and unusable items, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: NY

Complaint narrative:
I am writing to dispute a charge off account with XXXXXXXX XXXX I believe that this charge-off account is reporting inaccurately and in violation of federal law specifically regulation Z ( 12 CFR 1026.11 ). 
Incorrect balance : I believe there is an error in the calculation of my account balance and reporting. Please provide me with a detailed breakdown of all charges, payments and credits with this account. Please provide a 1099c for the balance written off associated with this account. 
Update in the payment history : A charged off account should NOT include an active update in the payment history and/or status. Need I remind you that this falsely manipulates the statue of limitations. 
Failure to provide notice : I did NOT receive proper notification of the charge off or the consequences of this action. 
This account is also reporting inaccurately because of the inconsistencies in regards to the consumer reporting agencies ; this account was deleted from both XXXX and XXXX however Experian is the only credit bureau still reporting this account which further speaks to the violation of my privacy and rights to accurate, fair and complete reporting. 
I am hereby requesting that you investigate this matter promptly and take the necessary steps to remove this account from my credit report. Please provide me with a written response to this dispute within 60 days as required by 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 explanation
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/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 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
This account was written off as an charged off. And I never received an 1099 c cancellation of debt form. And because of that this account is an accurate and has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to formally file a complaint against Digital Federal Credit Union ( DCU ) regarding their handling of a balance transfer that has resulted in unexpected cash advance charges. 

In 2018, I was advised by DCU to open a new credit card account to transfer the balance from a joint credit card with my ex-wife, who was using it without my consent. I followed this guidance, believing it was a straightforward balance transfer. 

Recently, I learned that this transfer was classified as a cash advance, leading to daily interest charges. I was not informed of this classification at the time, and the response I received from DCUs Member Service was unsatisfactory, failing to address the lack of transparency regarding their policies. 

I am requesting your assistance in investigating this matter, as I believe the bank 's policies were not clearly communicated to me. 

Thank you for your attention to this issue.

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 2024-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
Received loan from Sofi. Interest rates on pre approval was 7 %. I received a interest rate over 15 % .My monthly payments includes 45 % of it being interest being charged. I make payments for princable and there still daily interest fees. I'm also unable to pay monthly payment before the due date. Can't schedule monthly payments ahead of time.This make it uneasy to keep obligated monthly payments for BORROWERS '.

Company response to consumer: Closed with explanation