vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: DE

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX **Subject : ** Formal Complaint Against XXXX and Equifax for Violating FCRA ( 15 U.S. Code 1681i ) **Relevant Legislation : ** **TITLE 15 Chapter 41** 1681s2. Responsibilities of Furnishers of Information to Consumer Reporting Agencies I am writing to formally lodge a complaint against XXXX and Equifax for violating the Fair Credit Reporting Act. 

Both agencies have failed to fulfill their legal obligations, particularly concerning the accuracy of the information they report to my consumer report.

My specific concerns include : Under the 15USC1681s2.

1. **Duty to Provide Accurate Information** : - Furnishers are PROHIBITED from reporting information they know to be inaccurate and must not report after being informed of errors.

2. **Duty to Correct and Update Information** : - Agencies must ensure that the information they provide is both complete and accurate.

3. **Duties Upon Notice of Dispute** : - They are required to investigate disputes thoroughly, review all relevant data, and report their findings to the consumer reporting agency. IF INACCURACIES ARE FOUND, THEY MUST INFORM ALL OTHER AGENCIES THAT RECEIVED THE INFORMATION. 

I have provided physical proof related to account XXXX, showing this account was investigated by XXXX, after the investigation was completed the account was deleted from the consumer report.It is particularly concerning that the same source has removed this account from XXXX but continues to report it to XXXX and Equifax, indicating a significant inconsistency in the information provided which further support its inaccuracy. 

Additionally, I have previously reached out to both agencies regarding this issue, but my concerns have not been adequately addressed. This lack of responsiveness raises further questions about their compliance with the Fair Credit Reporting Act. 

I respectfully request that the CFPB investigate this matter to ensure that XXXX and Equifax adhere to the Fair Credit Reporting Act and rectify any inaccuracies in my credit report. 

Thank you for your prompt attention to this important issue. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: IN

Complaint narrative:
I was a student of XXXX XXXX XXXX from XXXX to XXXX. I was included in the discharge of all my Federal Student loans in XXXX due to the ruling that XXXX had deceived students and trapped them in high interest loans and fraud. I have XXXX outstanding Private loans around {$17000.00} that should also be discharged. This was ruled and considered to be fraud. I should not have to pay these private loans as no valuable goods or services were provided. Any accreditation I received from this school has absolutely no meaning or value. No other school or employer recognizes this as a valid certificate or accreditation. It is essentially theft by the school and loan servicer. I refuse to continue paying on these loans. The loans are shown to be owned by XXXX XXXX XXXX XXXX. There is no way to contact XXXX since they have once again sold or moved my loans to a company called Mohela now. I am requesting a School misconduct application for discharge for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Nelnet, Inc.
State: NJ

Complaint narrative:
Since XXXX I have been fighting this issue when either in XXXX this school was deemed fraudulent. 

XXXX XXXX XXXX XXXX XXXX. these loans where deemed to not be valid since the school was fraudulent. these loans are still on my credit report as well as my check has been garnished for these same loans by a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MO

Complaint narrative:
On XX/XX/year> I notified Hunter Warfield regarding my debt balance reported on my credit report. The amount reported was far more than my original debt. Based on my final invoice issued by the original company XXXX XXXX was {$3300.00} without interest, however HW was reporting {$8800.00} which included {$630.00}. On XX/XX/year> I received an updated invoice HW stating that I now owe {$4000.00} which includes {$730.00} in interest. 

I am not disputing the debt however I am disputing the interest owed because this is rental debt. Based on my lease and the term outline on my final invoice does it states that I should be paying interest. I think this is unfair and should be only liable for my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX with the extended warranty on XX/XX/XXXX. The first issue I had with the vehicle occurred within the first 3 months of driving. The vehicle had an issue with the XXXX XXXX, so I took it to the Dealership for repairs because it was still under dealership warranty. The next issue occurred XX/XX/XXXX, the XXXX XXXX XXXX came on so I took it to get Diagnosed and repaired. The issue was a XXXX  ( XXXX ) it was replaced with a new XXXX and they performed a XXXX XXXX. I also had the XXXX XXXX  replaced because they were damaged.The vehicle ran okay for 2 days before the XXXX XXXX XXXX  came back on. I took it back to XXXX XXXX and they stated that the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX contacted the warranty company to see what they wanted to do because the car is still under XXXX miles. I've sent in all of my service records as requested but still NO ACTION from the warranty company ( XXXX ) on getting it repaired. The warranty company has not returned the calls about getting it repaired for the past 2 weeks per the contract that I purchased to have the car covered for the extended period. I have all my service records on the vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NC

Complaint narrative:
Experience notified me that I had a derogatory statement on my credit report experience said that XXXX XXXX XXXX filed papers on my behalf stating I was in negligence on my account I have never heard of nor given XXXX XXXX XXXX access or data pertaining to any accounts nor do I even do business with XXXX XXXX XXXX I reached out to them as well Experian has not verified or fact checked none of the information that I have sent I have filed at least nine disputes in recourse to the negligence on my account not once has the issue been resolved nor have they ever tried looking into it I've sent proof stating that I did not give permission for them to access my account and they access it anyway they have been committing fraud on my behalf

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Sofi Bank has a charge card listed on my credit report that is fraudulent. I did open the account but when I was out of town somehow someone got access to the account and bought a bunch of things off of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} -Late/closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
While I was incarcerated, checking accounts was open and XXXX  checks was deposit into these accounts for funds. The dates each account was opened I provided a sentence order from the court showing the dates I was sentenced to XXXX. I also provided a parole certificate showing my release date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
There is something on my credit report that I have absolutely no knowledge of. Ive never received any letters or calls from this collection agency so I have no way to verify it or settle it. When I try to call the company that is listed they ask for social security numbers. I cant even verify what this is for so Im not giving that type of information. The other item listed is the same scenario. They require you to send an email inquiry also asking for social security numbers. I am not sending my SS in an email. I expected XXXX, XXXX and XXXX to be able to verify this. They just leave them as correct. How can it be correct if Im not being contacted by these agencies! They also keep changing the date so they never fall off. Im at a loss on what to do.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX ] on my credit report. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX  FL, XXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ]. I request that my current address be updated accordingly.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name.

A recent utility bill or bank statement showing my current address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ]. I request that my current address be updated accordingly.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name.

A recent utility bill or bank statement showing my current address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: LA

Complaint narrative:
Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an personal loan opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. 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 # ( private case number ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: Chime Financial Inc
State: MI

Complaint narrative:
I had to file XXXX sifferent disputes over the same merchant Same one for alll XXXX chime denied first said no error and has denied XXXX times in total when I ask for reasoning XXXX XXXX evidence I get sent the same exact same XXXX links that I was given the first time no explanation. Of the XXXX identical disputes one gets denied over and over again ( highest dollar about ) XXXX was approved ( smallest $ amount and one is stilll on going how is it possible to have XXXX differ out comes for the same issue?? So when I was award XXXX of the disputes that was chime admitting the transactions were not mine nor did I do them wont that say alll of them are?? they make it impossible to relay eveidexnce and to top the cake they had a rep tell me over the phone XXXX so I know its recorded she said they my whatnot.con gave chime the dudes saying it was fraud. When I say anything about it attitudes change fast they know legally they would half to friends my account in the photos I included photos of the evidence for XXXX people nothing changes ( and I have been. Wry insistent. On over wheeling amounts of evidence. Right after the rep said what sha di my diputw wa rejected not even XXXX min later This has placesld a high hardship on me and my family Aswell as my e-commerce business is is suffering I had dees to pay with that. The other XXXX photos shows zooming XXXX times date and locations for the XXXX hacks that chime assured me it never happpenwd

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: MO

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with explanation