vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: NC

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a quarantee that my consumer rights will be respected moving forward

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 2024-10-07 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:
XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA XXXX XXXX ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX with a. Balance of XXXX, XXXX XXXX with a balance of XXXX, XXXX XXXX with a balance of XXXX, XXXXXXXX XXXX with a balance of XXXX, and XXXX XXXX XXXX  XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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.

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 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year> I tried to open a checking account at SOFI.

It requires that you put in your mailing address. My town, XXXX, CA does not deliver mail to our homes we get all mail to the USPS Post Office. Therefore it is a po box . SOFI does not allow po box es. I tried putting in my street address and that is not found.

I went on chat with one of SOFI 's agents he had me put in the address in many ways but none of them worked. He said that they verify addresses using USPS database and there was nothing he could do about it. He told me I had to go to USPS and get them to correct it! I have found no way to do this.

This means that no one in my town or for that matter anyone in a rural area would be able to open an account at SOFI. How can this be correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX. ) Account Number : Account Number : XXXX Balance : {$750.00} XXXX  Account Number : XXXX Balance : {$750.00} XXXX  Account Number : XXXX Balance : {$1900.00}

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally file a complaint against IQ Data International Debt Collections regarding their violation of the Fair Debt Collection Practices Act ( FDCPA ) during communications about a debt I owe. 

Details of the Incident : On XX/XX/year>, I received a missed call from IQ Data International Debt Collections around XXXXXXXX XXXX. I returned the call at XXXXXXXX XXXX and spoke with a representative named XXXX XXXX. The total amount of my debt is {$4400.00}. 

During this call, XXXX XXXX spoke in a rude, condescending tone and made repeated threats to " take action against me. '' I asked him to provide a recording of the call, which he refused. I find these threats unsettling and unprofessional, especially as I have not received any written correspondence from the company before this call, making this the first communication I have had with IQ Data International Debt Collections. 

Another applicant on the account, XXXX, called to speak with XXXX XXXX about the debt. He was treated in a similarly rude manner and denied the opportunity to speak to a supervisor. XXXX explicitly requested to speak with someone else due to XXXX XXXX 's unprofessional behavior, but XXXX XXXX refused and even acknowledged that he was intentionally denying access to a supervisor. When XXXX attempted to discuss how we could resolve the account, he was still denied a proper response, and XXXX XXXX ended the call with the statement, " Good luck, '' before transferring XXXX to a voicemail. 

Violation of FDCPA : I know IQ Data International Debt Collections has violated the FDCPA by making illegal threats of action on my account, which caused distress and were vague and unsubstantiated. 

Refusing to allow communication with a supervisor, which I believe is a tactic to avoid accountability and maintain a hostile interaction. Using unprofessional and abusive language, which included intimidation and belittlement.

I request an investigation into the behavior of IQ Data International Debt Collections, particularly the representative, XXXX XXXX. 

I would also like a copy of any recordings or documentation regarding my account and communication with IQ Data International Debt Collections.

I am seeking assurance that any further communication from the company will be conducted professionally, with no threats or unsubstantiated claims. 

Should these violations continue, I will explore additional legal options, including filing a lawsuit for the illegal threats and violations of my rights under the FDCPA. 

Thank you for your time and attention to this matter. Please confirm receipt of this complaint and any next steps in your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA XXXX XXXX ( 15 U.S.C. Section 1681c-2 ) that you, the Experian 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 XXXX XXXX with a. Balance of XXXX, XXXX XXXX with a balance of XXXX, XXXX XXXX with a balance of XXXX, XXXXXXXX XXXX  with a balance of XXXX, and XXXX XXXX XXXX  XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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.

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 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: GA

Complaint narrative:
Account opened XX/XX/year>. Amount claiming to be owed is {$2300.00}. Original Collector is DNF Associates.

I requested that they provided the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed account of the charges that led to the debt, including any interest, fees, or additional charges.

4. Documentation that proves they have the legal right to collect this debt.

5. A copy of the original signed agreement or contract that establishes my obligation to pay this debt.

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 2024-10-07 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: Granite Bay Acceptance Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Granite Bay Acceptance Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam I did not initiate any transaction or relationship with Granite Bay Acceptance Inc that would give them lawful access to my credit report. Under the FCRA, companies may only access my credit report for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. The unauthorized soft inquiry, while not directly affecting my score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law.

This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. Granite Bay Acceptance Inc 's willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security.

Relevant Laws ; 15 USC 1681b ( FCRA ) : limits access to a consumer 's credit report to specific, permissible purposes. 15 USC 1681n : entitles consumers to statutory damages up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.

Requested Remedy, to resolve this matter, I respectfully request that : 1. Granite Bay Acceptance Inc ceases any further unauthorized access to my credit report. 2.Granite Bay Acceptance Inc compensates me with statutory damages of {$1000.00} for each unlawful credit inquiry in accordance with FCRA. 3. Take steps to prevent future unauthorized credit inquiries from occurring.

Failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law, including formal legal proceedings to recover damages for this violation. 

Thank you for your attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They do not want to send me my reports even though I have sent all my documents and evidence from the court that I do not owe anything, nor do they want to correct the report. When I called and asked for a supervisor, she responded by hanging up the call. I did a XXXX XXXX  on XX/XX/year> was release. They know that because they already have the information that I sent them trhough certified mail several times.

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 2024-10-07 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: GA

Complaint narrative:
Here is what happened. 

On XX/XX/year>, I sent a letters to XXXX, Equifax and XXXX about mistakes to my credit report. 

Here are the issues : wrong names and wrong addresses that are not mine. I also sent a follow up letter with no responses on XX/XX/year> Wrong Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are not my addresses : XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX Inquiries, no signed paperwork and no idea where it came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX That's all. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
ZALES- account not mine, I have waited 7 years for them to DELETE this account from my FILE .. please see proof attached, the burden is on them now to delete, it says on my file until XX/XX/year> PLEASE DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: PA

Complaint narrative:
recently I look at a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate. 
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 non-monetary relief
Consumer complaint received 2024-10-07 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: PA

Complaint narrative:
recently I look at a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: PA

Complaint narrative:
recently I look at a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate. 
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 2024-10-06 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX I was I was taking a trip from XXXX, Tx to XXXX XXXX in the XXXX XXXX XXXX from my location it was a XXXX flight I was very restless and didnt have any phone services throughout that timeframe. During my travel I had a black wallet with my credit card inside of it that I lost at the airport someone found it and accumulated charges in the amount of {$8600.00} Once I got phone service I immediately contacted the bank to notify them what had taken place and I also reached out to the airport to report the lost. Navy federal denied the claim without providing reasoning they stated that I didnt provide them enough evidence I sent the flight confirmation, police report, the report from the airlines for lost luggage, Im not sure what more evidence I can provide to support the claim I did not authorize the transactions nor was I in the United States at the time of incident also my card was not in my possession I have acted in good faith, providing accurate information and cooperating fully throughout the claims process. 
I would appreciate your careful consideration of my claim and expeditious resolution. Please feel free to contact me if additional information is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I reached out to our mortgage company in the month of XXXX about deferment plan on our account with Shellpoint Mortgage. a loan specialist looked into our account to see if we have eligible for a deferment plan. He said that my wife and I was eligible for a deferment plan. He told account for the defer months will report our credit report for those months and also will not report late as well. he our account specialist was on the phone and he will setup a call back time for us. our account specialist did try to call me, but she said the call wasn't going through and she was putting in XXXX months deferment for us. We did receive a letter in the mail, and it said the same exact thing the loan specialist said over the phone there will be any late payments on our credit reports. My wife and I receive alert from XXXX saying the is a change on our credit report. Upon looking at the change the change was Shellpoint Mortgage Loan number XXXX reporting late and drop my credit score XXXX points. as of now it's only on XXXX not the other credit bureaus as of now.

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