vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
TWO ADDRESSES ARE INACCURATE, AS REPORTED BY XXXX AND EXPERIAN INCORRECT ADDRESS - PLEASE DELETE XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX **THIS IS A XXXX XXXX, I NEVER LIVED HERE NOR HAVE I UPDATED MY ADDRESS TO THIS ADDRESS INCORRECT ADDRESS - PLEASE DELETE XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX PLEASE UPDATE TO CORRECT ADDRESS BELOW, AS INDICATED ON DRIVERS LICENSE AS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these 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 letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six 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 2024-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I'm an XXXX  Veteran. Vystar Credit Union has been fraudulently taking money out of my account without my consent under what they call " line of credit ''. I have reviewed my statements and there are transactions and fees that are not mine but posted under this line of credit that I am being held accountable for. As an XXXX  person, Vystar Credit Union is taking advantage of me and I ask that Vystar Credit Union being investigated for stealing from 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 2024-07-04 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il
XXXX Il, XXXX
Dear Bureau,
I am writing to inform you of an issue regarding improper use of my credit report. Attached to my
SSN, it appears that TransUnion, XXXX and XXXX  have violated the FCRA by including
inaccurate information. Upon reviewing the credit report, I found numerous discrepancies,
including incorrect addresses and accounts for which I never provided written permission. As
instructed on your website, I've enclosed documentation proving my identity.
Under the FCRA, only accurate information should be included in a consumer's credit report.
However, the information provided by TransUnion, XXXX, and XXXX  is not accurate. I have
consulted with legal counsel, and I am prepared to take this matter to court if necessary.
I demand the immediate removal of all inaccurate and unauthorized accounts from my credit
report. Additionally, I request that all personal information associated with my account be
replaced with the details of XXXX XXXX XXXX  Below are the accounts that need to be
removed: Employers: XXXX XXXX XXXX
Previous Addresses: XXXX XXXX XXXX XXXX XXXX XXXX Il, XXXX XXXX XXXX XXXX XXXX XXXX  Il ,
To expedite the resolution of this matter, I demand the immediate removal of all inaccurate and
unauthorized accounts from my credit report. Additionally, I request that all personal information
associated with my account be replaced with the details of XXXX XXXX XXXX , as provided below:
1XXXX XXXX XXXX XXXX XXXX (transunion) XXXX XXXX XXXX XXXX XXXX XXXX XXXX(transunion)(XXXX XXXX XXXX XXXX XXXX XXXX  (transunion)(XXXX)
XXXX XXXX XXXX XXXX(transunionXXXX XXXX XXXX XXXX XXXX XXXX
(transunion)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (transunion)(XXXX XXXX XXXX XXXX XXXX  (transunion)XXXX XXXX XXXX XXXX XXXX XXXX XXXX (transunion)XXXX XXXX XXXX XXXX XXXX XXXX  (transunion)(XXXX XXXX XXXX XXXX XXXX (Transunion)XXXX XXXX XXXX XXXX XXXX XXXX (transunion)

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 2024-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I discovered a total of {$3000.00} was transferred from my Sofi account to people I do not know. 

XX/XX/XXXX, XXXX transfers totaling {$3200.00} from my savings to my checking occurred without my authorization in the amounts of {$1500.00}, {$1000.00}, {$700.00}. 

XX/XX/XXXX, XXXX transfers were made to people I do not know totaling in {$3000.00} ( XXXX XXXX {$1400.00}, XXXX XXXX {$960.00}, XXXX XXXX again {$600.00} ). 

I called customer support on XX/XX/XXXX where they opened case XXXX for the dispute. I contacted sofi 2 times via chat for a status and they stated I must wait for an email. 

XX/XX/XXXX, I received an email stating, Based on our investigation, we do not find that an error has occurred. Therefore, no funds will be credited to your account as a result of your claim and this matter is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies, or if you have any further questions, please reply to this email or contact us at the number listed below. 

I called immediately on XX/XX/XXXX and was told that they will open an appeal. I received no email stating the appeal was opened so I replied to the original email on XX/XX/XXXX. The email included the details of how this was unauthorized. Also, if you tap on any of the transactions, the screen was blank. On legit transactions, there were details such as routing number, merchant, AHC ID, and transaction ID. This shows there was something wrong with these withdrawals. I also included a link and screenshot XXXX XXXX XXXXXXXX shows I am covered under the Mastercard Zero Liability policy. 

XX/XX/XXXX, I received the following email : We have received your request to appeal the decision on this dispute. You will need to provide documentation to support your claim that has not already been provided. Your dispute will remain closed until that information is received. Note : SoFi is unable to advise what is needed in order to appeal your claim. 

XX/XX/XXXX, I replied that I included the documentation in the XX/XX/XXXX email and requested a copy of the documents Sofi used in determining the final outcome of the investigation. 

On XX/XX/XXXX, I received an email stating my checking and savings accounts have been closed due to a violation. When I called, they stated I can look up the agreement online which was a very large document and I couldnt find what I did to violate the agreement. They transferred me to another department who said my appeal is still open. Now I can not see my past transactions. Fortunately I took some screenshots but this all seems suspicious. 

As of today, XX/XX/XXXX, I still have not received contact regarding this issue or the copy of the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I want to file a complaint against Bank of America Prepaid. I've been experiencing problems with them for XXXX years. After multiple disputes, my claim for a debit card sent to the wrong address was approved. I was issued a check that I am unable to cash because I can not open a bank account anywhere. 

I tried to cash the check at a check-cashing place, but it was above their limit. I have a Durable ( Financial ) Power of Attorney naming my daughter, as the power of attorney. Although it was approved by Bank of America Prepaid, it hasn't been added to my account. Because of this, her account is in the process of closing. 

After taking legal steps to endorse the check, she printed her name and added " P.O.A '' before her signature. Despite visiting the Bank of America branch multiple times and contacting customer service, I have not received any helpful assistance. The customer service representatives I spoke with were unable to direct me to the appropriate person. 

Uploaded POA Page XXXX not added identification documents are page XXXX. ( ID.SS.Card )

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 monetary relief
Consumer complaint received 2024-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from XXXX XXXX saying a hard inquiry has been added to my credit report. I logged in and checked there were 5 new hard inquiries on my report that I did not authorize nor have any idea where they came from. I have not applied for any new credit cards, loans, or car loans. I also checked the personal information section and there was a company listed under employer called XXXX XXXX XXXX XXXX which I have never worked there or heard of that company. Also in the personal section there was 2 additional names under mine. Which I only use one name my whole life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: Global Lending Services LLC
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from XXXX XXXX saying a hard inquiry has been added to my credit report. I logged in and checked there were 5 new hard inquiries on my report that I did not authorize nor have any idea where they came from. I have not applied for any new credit cards, loans, or car loans. I also checked the personal information section and there was a company listed under employer called XXXX XXXX XXXX XXXX which I have never worked there or heard of that company. Also in the personal section there was 2 additional names under mine. Which I only use one name my whole life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2024, I received an email from XXXX XXXX saying a hard inquiry has been added to my credit report. I logged in and checked there were 5 new hard inquiries on my report that I did not authorize nor have any idea where they came from. I have not applied for any new credit cards, loans, or car loans. I also checked the personal information section and there was a company listed under employer called XXXX XXXX XXXX XXXX which I have never worked there or heard of that company. Also in the personal section there was 2 additional names under mine. Which I only use one name my whole life.

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 2024-07-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il
XXXX  Il, XXXX
Dear Bureau,
I am writing to inform you of an issue regarding improper use of my credit report. Attached to my
SSN, it appears that XXXX, Equifax, and XXXX  have violated the FCRA by including
inaccurate information. Upon reviewing the credit report, I found numerous discrepancies,
including incorrect addresses and accounts for which I never provided written permission. As
instructed on your website, I've enclosed documentation proving my identity.
Under the FCRA, only accurate information should be included in a consumer's credit report.
However, the information provided by XXXX, Equifax, and XXXX  is not accurate. I have
consulted with legal counsel, and I am prepared to take this matter to court if necessary.
I demand the immediate removal of all inaccurate and unauthorized accounts from my credit
report. Additionally, I request that all personal information associated with my account be
replaced with the details of XXXX XXXX XXXX  Below are the accounts that need to be
removed: Employers: XXXX XXXX XXXX
Previous Addresses: 1XXXX XXXX XXXX XXXX XXXX XXXX Il, XXXX XXXX XXXX XXXX XXXX XXXX  Il ,
To expedite the resolution of this matter, I demand the immediate removal of all inaccurate and
unauthorized accounts from my credit report. Additionally, I request that all personal information
associated with my account be replaced with the details of XXXX XXXX XXXX , as provided below:
1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX)(equifax) XXXX XXXX XXXX XXXX XXXX (XXXX)(equifax) XXXX XXXX XXXX XXXX)(equifax)(XXXX) XXXX XXXX XXXX XXXX XXXX (XXXX)(XXXX)(Equifax) XXXX XXXX XXXX XXXX XXXX (equifax) XXXX XXXX XXXX XXXX XXXX (XXXX)(XXXX)(equifax) XXXX XXXX XXXX XXXX XXXX)(Equifax) XXXX XXXX XXXX XXXX XXXX XXXX (XXXX)(Equifax) XXXX XXXX XXXX XXXX XXXX XXXX(Equifax) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il
XXXX  Il, XXXX  Dear Bureau,
I am writing to inform you of an issue regarding improper use of my credit report. Attached to my
SSN, it appears that XXXX XXXX and Experian have violated the FCRA by including
inaccurate information. Upon reviewing the credit report, I found numerous discrepancies,
including incorrect addresses and accounts for which I never provided written permission. As
instructed on your website, I've enclosed documentation proving my identity.
Under the FCRA, only accurate information should be included in a consumer's credit report.
However, the information provided by XXXX, XXXX, and Experian is not accurate. I have
consulted with legal counsel, and I am prepared to take this matter to court if necessary.
I demand the immediate removal of all inaccurate and unauthorized accounts from my credit
report. Additionally, I request that all personal information associated with my account be
replaced with the details of XXXX XXXX XXXX  Below are the accounts that need to be
removed: Employers: XXXX XXXX XXXX Previous Addresses: XXXX XXXX XXXX XXXX XXXX XXXX Il, XXXX XXXX XXXX XXXX XXXX XXXX Il ,
To expedite the resolution of this matter, I demand the immediate removal of all inaccurate and
unauthorized accounts from my credit report. Additionally, I request that all personal information
associated with my account be replaced with the details of XXXX XXXX XXXX , as provided below:
1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX(experian)(XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX(experian)
XXXX XXXX XXXX XXXX XXXX (XXXX)(Experian)(XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX)(experian)(XXXX) XXXX XXXX XXXX XXXX (XXXX)(Experian)(XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX)(Experian)(XXXX) XXXX XXXX XXXX XXXX (XXXX)(Experian) XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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:
By the provisions of the Fair Credit Reporting Act, I demand that these 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 letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six 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 non-monetary relief
Consumer complaint received 2024-07-04 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: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these 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 letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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: OH

Complaint narrative:
As of XX/XX/year> XXXX  credit card account just closed my account and knocked down my credit score by XXXX points. I filed bankruptcy almost XXXX  years ago and all my unsecured creditors were notified, including pedal. XXXX was supposed to have closed my account nearly XXXX years ago like all the other unsecured creditors did. So they waited almost XXXX years to close my account on my Equifax credit report which knocked down my score XXXX point the other day. This is ridiculous and should not have taken place with this incompetent XXXX  credit card company. I would like them to fix that error on my Equifax credit report and give me back my XXXX points and show my account as having been closed XXXX years ago

Company response to consumer: Closed with non-monetary relief