vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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:
I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information.

Please find my personal details below for your reference : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: UPGRADE, INC.
State: FL

Complaint narrative:
Hi Team, Please see the attached statement. In the transactions section dated XX/XX/year> there are following Post Payment - {$33.00} Post Payment - {$4.00} Update Exported Disbursement - {$33.00} Update Exported Disbursement - {$4.00} All the above are actually charged and debited to my account and hence the transactions are totaling to XXXX Under Payment and Credit section they have returned back XXXX with a description Post Payment. 

Now they have incorrectly charged a total sum of XXXX however they have only returned XXXX. When I contacted Upgrade Credit card company they denied refunding me back the extra charge Upgrade Card - Cash Rewards Elite Plus - Credit Card Number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
I woke up had XXXX dallors on my cash app card I called cash app and they said I had a dispute in for XX/XX/XXXX never had a dispute I called them and my bank 3 times and they kept repeating my bank said I didnt have a dispute they said I did so after the 3rd time calling each bank I finally put in a dispute but they couldnt find the day for the XXXX and they shouldnt have I never put one in or added money to my account so after I put the dispute in with my bank I get the XXXX XXXX credits I was gon na use to pay cash app and cancel it but than my account is XXXX so I call my bank no new info I call them they said they wont do anything because I made the dispute when I never did and kept repeating my self the manager at cash app wouldnt look into it or anything just sent the same email and closed my case I requested a call back and the manger said if I wanted to speak to him to call back and never got ahold of him idk what else to do they have a false dispute and I tried to make a real dispute because I didnt owe them that money and shouldnt pay it back I dont even think I should have to pay the XXXX but since I put a real dispute in it would make since to pay the XXXX idk if yall can help in any way idk where else to look because cash app wont help at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NY

Complaint narrative:
This account has been opened without my consent and is the result of identity theft. I have not applied for any credit associated with this account, nor have I engaged in any transactions related to it. It is clear that this entry is fraudulent, and as such, it is damaging to my credit report and undermines my financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: AZ

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX is hard to get into contact with i am trying to get a refund and it cancel my loan with XXXX. I have tried to contact XXXX  as well with no results. I am paying for a product o can not use and woukd like a refund. Times are hard right now and am unable to pay for a product I can not use. Please help. I have paid over XXXX. And still owe 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 2025-02-17 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: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on Credit Report FCRA Violations To Whom It May Concern, I am writing to formally dispute inaccurate and erroneous information appearing on my Experian credit report, in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed immediately from my credit report. 

Inaccurate Accounts & Violations : 1. XXXX XXXX Bank XXXX Account # XXXX Issue : Account is inaccurately reported as charge-off with an outstanding balance. 
Violation : FCRA 623 ( a ) Duty to report accurate information. 
PLEASE DELETE THIS FROM MY CREDIT REPORT. 
2. XXXX XXXX XXXX XXXX Account # XXXX Issue : Duplicate reporting of the same account under different entries. 
Violation : FCRA 605 ( b ) Prohibition of inaccurate information. 
PLEASE DELETE THIS FROM MY CREDIT REPORT 3. XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX Issue : Account status incorrectly marked as repossession despite being redeemed. 
Violation : FCRA 611 ( a ) Right to dispute inaccurate information. 
PLEASE DELETE THIS FROM MY CREDIT REPORT 4. XXXX XXXX XXXX Account # XXXX Issue : Account was previously disputed, but no verification was provided. 
Violation : FCRA 611 ( a ) Failure to verify disputed accounts. 
PLEASE DELETE THIS FROM MY CREDIT REPORT Request for Immediate Action : Remove all inaccurate and unverifiable accounts from my Experian credit report. 
Provide written confirmation that these accounts have been deleted. 
Send me an updated credit report reflecting these corrections. 
I request that Experian investigate these violations and correct my credit report accordingly. If no corrective action is taken within 30 days, I am prepared to escalate this matter legally. 

Please respond promptly to this formal dispute. Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on Credit Report FCRA Violations To Whom It May Concern, I am writing to formally dispute inaccurate and erroneous information appearing on my Experian credit report, in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed immediately from my credit report. 

Inaccurate Accounts & Violations : 1. XXXX XXXX Bank XXXX Account # XXXX Issue : Account is inaccurately reported as charge-off with an outstanding balance. 
Violation : FCRA 623 ( a ) Duty to report accurate information. 
PLEASE DELETE THIS FROM MY CREDIT REPORT. 
2. XXXX XXXX XXXX XXXX Account # XXXX Issue : Duplicate reporting of the same account under different entries. 
Violation : FCRA 605 ( b ) Prohibition of inaccurate information. 
PLEASE DELETE THIS FROM MY CREDIT REPORT 3. XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX Issue : Account status incorrectly marked as repossession despite being redeemed. 
Violation : FCRA 611 ( a ) Right to dispute inaccurate information. 
PLEASE DELETE THIS FROM MY CREDIT REPORT 4. XXXX XXXX XXXX Account # XXXX Issue : Account was previously disputed, but no verification was provided. 
Violation : FCRA 611 ( a ) Failure to verify disputed accounts. 
PLEASE DELETE THIS FROM MY CREDIT REPORT Request for Immediate Action : Remove all inaccurate and unverifiable accounts from my Experian credit report. 
Provide written confirmation that these accounts have been deleted. 
Send me an updated credit report reflecting these corrections. 
I request that Experian investigate these violations and correct my credit report accordingly. If no corrective action is taken within 30 days, I am prepared to escalate this matter legally. 

Please respond promptly to this formal dispute. Thank you for your immediate attention to this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
On XX/XX/year>, my savings account was liquidated without my authorization, and {$43000.00} was fraudulently transferred from my savings to checking before being disbursed in XXXX unauthorized transactions to various vendors, including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. 

I did not authorize these transactions, nor did I provide access to my account to any third party. Despite having two-factor authentication enabled, my account was accessed without my consent. No fraud detection protocols were initiated, and I was not contacted regarding these highly irregular transactions. The only communication I received from SoFi was XXXX text messages at approximately XXXX XXXX XXXX requesting a login code. I did not respond to or interact with these messages, suspecting fraudulent activity. I did not receive any other alerts, notifications, or fraud warnings regarding these transactions. 

Upon discovering the unauthorized activity around XXXX XXXX XXXX, I immediately contacted SoFi to report the fraud. However, I was unable to file a formal dispute until the next morning at XXXX XXXX. Since then, I have : Filed a police report with the XXXX, XXXX Police Department Filed a fraud report with the Federal Trade Commission ( FTC ) Frozen my credit with all major credit bureaus Contacted the vendors involved, all of whom denied my request to recover funds as I am not the account holder

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares and consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below XXXX XXXX XXXX XXXX open date is not reporting correctly, last date active, this account is not accurate XXXX  XXXX date open is not accurate, date last active is not reporting correctly, the account is inaccurate XXXX XXXX XXXX XXXX open date is incorrect, last date active is not correct, the account is inaccurate XXXX XXXX XXXX XXXX open date is incorrect Can you look into this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: ACS Education Services
State: NJ

Complaint narrative:
never received a degree and this loan is from 2009 in the amount of XXXX from the XXXX XXXX XXXX who is handling the loan is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: AZ

Complaint narrative:
The mistakes on my report are not just frustratingthey are causing me real financial harm. I have already lost opportunities because of these errors, and I refuse to continue being penalized for something that is not my fault. This is unacceptable, and it needs to be fixed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
I received text alerts from chime bank stating information was requested for a change in address and email. I asked to be contacted and a representative contacted me regarding these changes. The representative confirmed that I do have direct deposit and that my cards will be locked up until my next deposit goes through. I received text alerts from chime bank on XXXX with a call from there customer service representative stating that my deposit will be taken out and then put back in to restore account. The two amounts are {$920.00} and {$530.00}. I filed a dispute with chime bank and it was denied 2 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
1. ) Effective XX/XX/year> I phoned and cancelled our XXXX XXXX policy with a monthly premium of {$460.00}. Please see supporting documented proof of final payment {$460.00} to XXXX XXXX. 

2. ) Effective XX/XX/year> my husband XXXX XXXX XXXX purchased a new auto policy through XXXX XXXX. Please see proof XXXX XXXX XXXX quote and our new policy ID cards proof. 

3. ) Please delete XXXX from my credit report asap as I do not owe XXXX, this is an error because I have no balance due to them because I canceled coverage and purchased another policy with CXXXX XXXX XXXX 

4. ) I have a name change also not been updated. My name is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX Amount {$38000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$9300.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$25000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$3900.00} Equifax deemed these accounts as accurate, WHEN THEY ARE indeed INACCURATE they did not properly investigate these accounts during my disputes nor did they provide any evidence of a thorough investigation per my request. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the neccessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: MA

Complaint narrative:
I tried to activate their prepaid card as a part of a settlement, but nothing happened, could not use the card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
So I bank with Chime and normally when a transaction is being authorized they will send me a message detecting fraud and I have the option to type Yes or No that I did not authorize that transaction. Well this particular transaction I messaged them back No that I wasnt the one who authorized this transaction and the money was still taken from my account. I appealed it, even sent them the screenshot of the text message that I sent No when asked if I authorized the transaction and they still said they didnt see any fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
Complaint Regarding Negligence in Compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681o ) ** To Whom It May Concern, I am submitting this complaint to formally report a violation of the Fair Credit Reporting Act ( FCRA ) under **15 U.S.C. 1681o**, which holds entities liable for negligent non-compliance with the law. I have attempted to resolve this matter directly with the responsible party but have not received a satisfactory resolution. 

Despite my efforts to dispute the inaccurate information and request an appropriate investigation, the entity has failed to comply with the FCRAs requirements. Their negligence in correcting or removing the erroneous data has resulted in harm, including but not limited to : - **Denied credit opportunities** - **Financial and reputational damage** - **Unnecessary stress and inconvenience** Under the FCRA, the responsible party must conduct a reasonable investigation and ensure that the reported information is accurate. Their failure to do so constitutes negligence under **15 U.S.C. 1681o**, making them liable for damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: AL

Complaint narrative:
I need my credit profiles merged and accessible. No one can pull my credit as if it doesnt exist. My name is XXXX XXXX XXXX and my Maiden name is XXXX XXXX XXXX. I assume there is a credit split that needs to be fixed so my credit reports can be pulled online and by others who are permitted to do so. Merge the accounts if there is a credit split, but these issues need a proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: AL

Complaint narrative:
I need my credit profiles merged and accessible. No one can pull my credit as if it doesnt exist. My name is XXXX XXXX XXXX and my Maiden name is XXXX XXXX XXXX. I assume there is a credit split that needs to be fixed so my credit reports can be pulled online and by others who are permitted to do so. Merge the accounts if there is a credit split, but these issues need a proper resolution.

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