vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
( Receiver Equifax ) Equifax information crevices XXXX XXXX XXXX XXXX XXXX, GA XXXX I'm writing this letter to dispute certain information that is falsely listed on my credit report reference above. the information that appears on my credit report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: OneMain Finance Corporation
State: MD

Complaint narrative:
The company continues to report fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: GA

Complaint narrative:
Per FCRA as a federal protected consumer I am now opting out of any and all authorizations that I the consumer may have given you written, verbal, unwritten nonverbal per 15 USC 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: MS

Complaint narrative:
Used XXXX  to find my mom who has the same name as me, XXXX XXXX, at one point before going back to her maiden namee, XXXX. Called my elderly mom, XXXX XXXX, now XXXX XXXX, who is XXXX yrs old and preceded to yell at her demanding payment. Didn't believe they called the wrong person. Didn't believe her when she said she didn't know what they were talking about. Tried to get information out of her of where I could be reached. Made.her unpleasantly unsettled and worried. Mom called me and told me this happened on Tuesday, XX/XX/XXXX around lunchtime. 
Them this company claimed they are a dispute resolution center which when you XXXX that, comes up with a government website unrelated to them and makes the consumer scared tactics thinking it's the government. 
Then they tried to text and send emails to old phone numbers until one worked.

Nothing was ever sent to my house by US mail. I demand a letter with the ability to dispute whatever they are claiming. 

My identity was stolen previously and reported. If no notice with dispute ability is not sent by US mailed, by address on file with original creditor,, they will be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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 disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY, 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 2024-10-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hard Inquires on XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-10-23 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: OK

Complaint narrative:
On XX/XX/year>,, I made Equifax aware of the misleading and inaccurate collection account alleging a debt in the amount of {$3200.00} that they are reporting on my credit report. Ive requested, Equifax and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. it has been well over 30 days for Equifax to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report immediately By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Equifax, has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) Experian Is in violation of FCRA and if they fail to comply and delete this information from my credit report, they must be held liable per 15 usc 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was unknowingly signed up for the Experian XXXX XXXX XXXX checking account while trying trying to freeze my credit. The process was not clear about an additional account being opened as it seemed as though it was in reference to a user account necessary to the freeze credit process with the agency. I did not know I had this account until I happened to see a message in my email inbox recently. I found out that the account had been opened for a good XXXX months, from when I had requested to freeze my credit. 

Of course, clicking on cancel in the account options screen, they only offer cancellation by phone, which will presumably take quite some time on hold. I will have to go through this process but others should not have to. 

This should not be acceptable for a company that Americans have no choice in relying on to prevent fraud and identity theft. 

Thank you, 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 2024-10-23 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2024-10-23 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2024-10-23 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: LA

Complaint narrative:
I am filing a formal complaint against Experian, XXXX, and XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ) in relation to my dispute concerning a charged-off account from XXXX XXXX XXXX  XXXX Despite my repeated disputes and requests for verification, the credit bureaus have not provided the required verification details, which suggests that the investigations were not conducted reasonably or thoroughly as mandated by law. 

Details of the Account and Dispute : Creditor : XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Account Status : Closed and Charged Off as Bad Debt Credit Limit : {$300.00} Account Description : Revolving, Monthly Payment Dispute Status : XXXX XXXX Account not disputed Experian : Account information disputed by consumer under the Fair Credit Reporting Act XXXX XXXX Account not disputed Bureaus ' Failure to Comply with FCRA Requirements : Inadequate Verification and Non-Response : I requested the method of verification from each bureau, as permitted under FCRA Section 611 ( a ) ( 7 ). None of the bureaus provided a clear description of how the disputed information was verified, the specific steps taken, or the identity of the verifying entity.

Lack of Evidence Supporting Verification : The credit bureaus have continually reported the account as " verified '' without providing supporting evidence such as original account statements, creditor correspondence, or any documentation proving the validity of the charges and reporting status. This repeated failure indicates a lack of reasonable investigation as required under the FCRA. 
Inconsistent Reporting and Dispute Handling : XXXX claims the account was " verified '' on XX/XX/XXXX but fails to acknowledge my dispute request and refuses to provide verification proof. 
Experian reports the account as " disputed by the consumer, '' yet no substantial verification details or evidence have been provided to substantiate the reporting. 
XXXX similarly reports the account as verified but closed with a charge-off status, without addressing my verification requests.

Impact of Non-Compliance : The failure to provide proper verification has caused significant damage to my creditworthiness, financial stability, and has resulted in undue stress. This derogatory and unsubstantiated reporting has negatively impacted my ability to obtain credit on favorable terms and has harmed my overall 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year> I noticed that my credit score dropped nearly 100 points. I investigated on my transunion report and found XXXX nearly identical XXXX figure balances reported by XXXX. This is FRAUDULENT, I am a victim of XXXX  consistent unethical student loan practices at every turn. I was about to buy my first home, and now my process must be delayed until XXXX removes this inaccuracy. XXXX ACTS INTENTIONALLY. The balances are NEARLY - but not actually identical so that the credit bureau would notice this was a duplicate error. 

This company needs to be immediately penalized and punished. My student loans need to be forgiven after this. 

I DEMAND JUSTICE! STUDENT LOANS ARE PREDATORY BY NATURE. XXXX IS A SCAM COMPANY WHO PREYS OFF OF US. This is a DISGRACE!!!!!

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/year> I noticed that my credit score dropped nearly XXXX points. I investigated on my XXXX report and found XXXX nearly identical XXXX figure balances reported by MOHELA. This is FRAUDULENT, I am a victim of MOHELAs consistent unethical student loan practices at every turn. I was about to buy my first home, and now my process must be delayed until MOHELA removes this inaccuracy. MOHELA ACTS INTENTIONALLY. The balances are NEARLY - but not actually identical so that the credit bureau would notice this was a duplicate error. 

This company needs to be immediately penalized and punished. My student loans need to be forgiven after this. 

I DEMAND JUSTICE! STUDENT LOANS ARE PREDATORY BY NATURE. MOHELA IS A SCAM COMPANY WHO PREYS OFF OF US. This is a DISGRACE!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: CA

Complaint narrative:
I have sent multiple requests for Transunion to delete this info off my credit. I also did A FTC report. They have been completely ignoring me. I will have to take legal action next

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 2024-10-23 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: EQUIFAX, INC.
State: MN

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: MN

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2024-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
Hello, so on XX/XX/XXXX I had to file over 40 dispute transactions due to my account debit card being used fraudulently with So-Fi Bank . Within two days after filing the disputes with So-Fi they sent me an email stating " Dear XXXX , This letter serves to inform you that we have reached a final decision regarding the claim mentioned above. 

After conducting a thorough investigation, we have determined that no unauthorized activity has occurred, and as a result, your claim has been denied. Our investigation involved a review of the information provided during the claim submission, as well as an examination of internal account records. Additionally, we collaborated with the merchant, other financial institutions, and our card processing networks as necessary. This claim is now closed. '' After two days of filing this claim they never reached out for supporting documents nor did they make it feel like my claims were fraudulent. They just stated that no unauthorized activity occurred when in fact all the money disputed was unauthorized. I read on reedit as well that typically they solve investigations within two business days. I don't know any bank that can figure out claims within that time period for over 40 transactions. The dispute number is # XXXX in the total amount of {$3900.00}. I made all the transactions disputes on Saturday XX/XX/XXXX, and received a final determination of all transactions on XX/XX/XXXX. I was fraud-ed out of thousands of dollars and So-Fi Bank did nothing to help me receive my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.

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