vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: CO

Complaint narrative:
I recently discovered several unauthorized accounts on my credit report, suggesting possible identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they do not accurately reflect my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are severely affecting my ability to achieve important financial goals, such as buying a home and providing for my family. I urge you to address this issue without delay.

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 2025-02-25 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: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
On XX/XX/year>, my SoFi credit card was charged XXXX  times for XXXX dollars ( {$490.00} in total ) at XXXX XXXX XXXX in XXXX. The transactions showed up as in person swipes. Ive never been to XXXX and have not traveled further east than XXXX in the past XXXX years. 

I get notifications when a transaction occurs on my card, and I called them XXXX minutes after the transactions took place. I explained what happened, the worker got me a new card ordered, froze my card, and told me that my dispute for the transaction was logged and to expect the adjustments within XXXX billing statements. 

No one reached out for XXXX billing statements and the transactions were not adjusted, so I followed up on XX/XX/year>. I was told the individual I talked to on XX/XX/XXXX did not enter the information correctly, and was assured it was fixed this time, then that this would be adjusted in XXXX billing statements. 

Again, XXXX billing statements passed and I called on XX/XX/XXXX. This time, the worker told me the previous individual did not check a box that needed to be checked, and that the adjustment would be adjusted within XXXX billing cycles. 

All XXXX instances I was told a dispute agent would call me and I have received XXXX calls. Sofi has all my contact information. My XXXX XXXX is through them and credit card. They should have XXXX problem contacting me. I work remote and can answer my phone whenever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: FL

Complaint narrative:
KikOff told me to file a claim with CFPB to get the account removed, after filing the report, they denied the removal. KikOff asked me to provide a police report, after providing the police report they still denied me. Now I'm asking KikOff to send me the proof that they have as a last resort, and after that I'll be forced to take them to court. KikOff report fake tradelines to the consumer credit agencies in order to give unworthy people some type of primary tradeline that they do no deserve. KikOff operates under unethical business practices and no matter what documents you provide they'll do their darndest job to have the victim at fault. All KikOff had to do is look at the police report number provided and they would see that the man that XXXX XXXX XXXX at XXXXXXXX XXXX was released in XXXX. He just violated terms of XXXX  and is back in XXXX. Not only that but a XXXX XXXX  was done to my cell phone and I couldn't use my cell phone for a week and a half. All my email accounts were stolen and even my bank account was used to open a XXXX XXXX Credit card in my name all in XXXX  between XXXX and XXXX. Please provide me with the documentation that you guys have that says that I'm responsible for this account and I need these docs within 10 days or you need to remove this tradeline from my consumer report ASAP. The next step is court because at this point the games need to stop. Attached is the man that XXXX XXXX XXXX XXXX XXXXt. Do a more thorough investigation and you'll see that this man was indeed released in XXXX  around the same time this account was opened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
The dat of the first delinquency you have doesn't match the date i have. Under code 15 usc1681BE you must provide maximum possible accuracy, and I'm taking into consideration that the CFPB is suing you as well. I'm also requesting full disclosure of the XXXX of my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, 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 personal loan account opened at XXXX on XX/XX/XXXX with a balance of {$2500.00}, an personal loan XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX with a balance of {$8400.00}, a personal credit card XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$660.00} account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$120.00} and the account XXXX, a credit card XXXX XXXX XXXX  XXXX XXXX on XXXX XXXX, XXXX account number XXXX with a balance of {$840.00}, XXXX opened XXXX XX/XX/XXXX with a balance of {$1600.00}, XXXX opened on XX/XX/XXXX with a balance of {$990.00}, a secured XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX account number ending in XXXX with XXXX balances of {$13000.00} and {$4300.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. Inquiries are XXXX XXXX XXXX XXXX and XXXX XXXX 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 # 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 2025-02-25 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: IL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, 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 personal loan account opened at XXXX on XX/XX/XXXX with a balance of {$2500.00}, an personal loan XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX with a balance of {$8400.00}, a personal credit card XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$660.00} account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$120.00} and the account XXXX, a credit card XXXX XXXX XXXX  XXXX XXXX on XXXX XXXX, XXXX account number XXXX with a balance of {$840.00}, XXXX opened XXXX XX/XX/XXXX with a balance of {$1600.00}, XXXX opened on XX/XX/XXXX with a balance of {$990.00}, a secured XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX account number ending in XXXX with XXXX balances of {$13000.00} and {$4300.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. Inquiries are XXXX XXXX XXXX XXXX and XXXX XXXX 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 # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: NY

Complaint narrative:
Presently in the SAVE forbearance. Applied via the online Income Driven Repayment ( IDR ) application on StudentAid.gov on XX/XX/year> to change from the SAVE plan to Income Base Repayment ( IBR ). Received a notification of receipt of my application from ED Financial on XX/XX/year> informing that processing should take 7-10 business days. Requested additional information via their help service on the status of my application and have also called their offices on XX/XX/year>. Was informed that for the month of XXXX ( and XXXX ) I was placed in a processing forbearance, which should count towards PSLF. However, no projected timeline was given on the status of my request to change to IBR and resume making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: NE

Complaint narrative:
I had what I now know was not the fraud dept text and call me to verify some transactions that were pending. The were visible at the time as pending. The person knew my exact amount in the XXXX accounts and how to process an account closure and send funds to the new account. I sent XXXX transactions of {$2700.00}. XXXX and {$1300.00} on XX/XX/year> this was my whole XXXX paycheck for the month. They then said to logout and the new account will appear with my money in XXXX minutes. They also said that for XXXX my new cards would be sent out expedited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-02-25 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Failure to Provide Proof of Investigation & Unauthorized Account Reporting Dear Credit Bureau Representative, I am writing to formally dispute the reporting of an account by Ally Financial that appears on my credit report with your bureau. This account does not belong to me and is the result of identity theft. Additionally, I was a victim of a data breach, further supporting my claim that this account is fraudulent. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I have the right to request the method of verification used during your investigation. I previously disputed this account, yet you failed to provide documented proof of the investigation process, including the method of verification, date and time of contact, and the specific person or entity you spoke with to verify the account. This failure is a direct violation of my rights under the FCRA.

Since you can not verify this account with legally sufficient evidence, I demand the immediate deletion and permanent blocking of this fraudulent account from my credit file under FCRA 605B.

Please consider this a formal request for reinvestigation and provide the following documentation within 15 days : XXXX. The name, contact information, and title of the person you spoke with at XXXX XXXX to verify the account. 
XXXX. The specific method used to verify the accuracy of this account. 
XXXX. The date and time the investigation took place. 
XXXX. A copy of any documentation provided by XXXX XXXX that allegedly proves this account belongs to me. 

Failure to comply with my request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also explore legal remedies for violations of my rights under the FCRA. 

Please remove and permanently block this fraudulent account immediately and provide me with a new copy of my credit report reflecting this correction. 

I have attached a copy of my government-issued ID, proof of address, and a copy of my FTC Identity Theft Report for verification. 

I expect your prompt compliance with this request. Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Failure to Provide Proof of Investigation & Unauthorized Account Reporting Dear Credit Bureau Representative, I am writing to formally dispute the reporting of an account by Ally Financial that appears on my credit report with your bureau. This account does not belong to me and is the result of identity theft. Additionally, I was a victim of a data breach, further supporting my claim that this account is fraudulent. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I have the right to request the method of verification used during your investigation. I previously disputed this account, yet you failed to provide documented proof of the investigation process, including the method of verification, date and time of contact, and the specific person or entity you spoke with to verify the account. This failure is a direct violation of my rights under the FCRA.

Since you can not verify this account with legally sufficient evidence, I demand the immediate deletion and permanent blocking of this fraudulent account from my credit file under FCRA 605B.

Please consider this a formal request for reinvestigation and provide the following documentation within 15 days : XXXX. The name, contact information, and title of the person you spoke with at XXXX XXXX to verify the account. 
XXXX. The specific method used to verify the accuracy of this account. 
XXXX. The date and time the investigation took place. 
XXXX. A copy of any documentation provided by XXXX XXXX that allegedly proves this account belongs to me. 

Failure to comply with my request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also explore legal remedies for violations of my rights under the FCRA. 

Please remove and permanently block this fraudulent account immediately and provide me with a new copy of my credit report reflecting this correction. 

I have attached a copy of my government-issued ID, proof of address, and a copy of my FTC Identity Theft Report for verification. 

I expect your prompt compliance with this request. Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ChexSystems XXXX XXXX Attn : Consumer Disputes XXXX XXXX XXXX XXXX, MN XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS IDENTITY THEFT CLAIM To Whom It May Concern, This letter serves as a formal and final demand for the immediate removal of fraudulent accounts appearing on my ChexSystems report , which were opened without my authorization. This is a case of identity theft, and you are now on notice that failure to act will result in immediate legal action. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX ( 15 U.S.C. XXXXXXXX XXXX, you are required by law to block and remove fraudulent information from my file within XXXX ( XXXX ) business days of receiving this dispute. Your failure to comply will constitute willful non-compliance with federal law. 

Fraudulent Accounts That Must Be Deleted Immediately : XXXX Credit Union XXXXXXXX XXXX  XXXX for Account XXXX , Charge-Off : {$810.00}, Closure Date : XX/XX/XXXX XXXX. XXXX XXXX Bank Reported for XXXX  Activity, Charge-Off : {$860.00}, Closure Date : XX/XX/XXXX XXXX. Bank XXXX XXXX Reported for XXXX, Charge-Off : {$1100.00}, Closure Date : XX/XX/XXXX I am demanding immediate deletion of these accounts because they are fraudulent, unverifiable, and damaging to my financial standing. If these accounts are not removed within XXXX ( XXXX ) business days, I will take the following actions without further notice : File a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the TXXXX XXXX  Generals Office. 
Pursue legal action against ChexSystems for willful non-compliance under FCRA XXXX and XXXX, which allow for actual, statutory, and punitive damages. 
Hold ChexSystems financially liable for defamation and reckless reporting of false information. 

Enclosed Supporting Documents : Government-issued ID ( to verify my identity ) Proof of address ( utility bill or bank statement ) Identity Theft Report ( documenting the fraud ) This is not a request ; this is a final demand. You are now legally obligated to investigate and permanently remove these fraudulent accounts within XXXX ( XXXX ) days. Failure to do so will trigger legal and regulatory consequences against ChexSystems. 

I expect written confirmation of the removal immediately. If I do not receive a response by the deadline, I will escalate this matter aggressively. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I recently opened a Wells Fargo account and went to go link my bank account number to transfer funds. I realized that they had two bank accounts linked that arent mind. I did notice the credit union is of the linked accounts is one I used to bank at but no longer do. I dont understand how those are linked

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