vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2025-02-06 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I received a bunch of inquiries that were not authorized by me in XXXX of XXXX  and I sent a dispute in and Equaifax, transunion and Experian removed half of them but the other half are still reporting on my report. They need to be removed.

Ive included the letter that was sent to the credit reporting agencies as well as the credit report showing the inquiries.

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 2025-02-06 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: CO

Complaint narrative:
I received a bunch of inquiries that were not authorized by me in XXXX of XXXX  and I sent a dispute in and Equaifax, transunion and Experian removed half of them but the other half are still reporting on my report. They need to be removed.

Ive included the letter that was sent to the credit reporting agencies as well as the credit report showing the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-06 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: NC

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MD

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.

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 2025-02-06 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: AL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-06 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: KY

Complaint narrative:
Your company has inquiries listed on my credit report that I never agreed to, and theyre negatively impacting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
For the past XXXX years, I have deposited my siblings checks into my XXXX account to help them pay their bills, as they are XXXX XXXXXXXX and require financial assistance. This activity has been consistent, and at no point did SoFi notify me that it was an issue or a violation of their policies. 

However, on XX/XX/year> SoFi suddenly restricted my account, which contains {$1800.00}, citing concerns over third-party direct deposits. I was unaware that this was against their terms when I initially submitted my paperwork, and had SoFi informed me at any point in the last two years, I would have immediately stopped. Instead, they failed to communicate and then abruptly restricted my access to my own funds without warning.

As a result, I am now unable to pay for essential expenses, including food for my child. SoFi has shown no remorse or urgency in resolving the matter, despite the severe impact it has on my financial well-being. Their lack of communication and failure to address this issue earlier has put me in an unfair and distressing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
I am filing a complaint against Equifax regarding a sudden and unexplained drop in my credit score by XXXX points, from XX/XX/year> to XX/XX/year>. Despite my efforts to resolve this issue, I have not received a clear explanation for the change. On XX/XX/year>, I contacted Equifax customer service and spoke to ( 2 ) representatives who were unable to verify or explain with details other than assumptions of why they " think '' it may have dropped which did not make sense being nothing drastically occurred ( no new collections, debt, past due accounts, etc. ). I was then transferred to a supervisor after being frustrated, however both supervisor I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to verify or explain the cause of the score drop. I was told by XXXX " sir you have spoken to other reps and as you know 1+2=3 so the best I can do is file a complaint and escalate it to our IT Team who will look into this as an " error '' - complaint number was not given at the end of the call. The lack of transparency and failure to resolve this issue has left me concerned about the accuracy of my credit report along with having this stress and burden on my back as I have worked very hard to maintain a good credit score. 

EQUIFAX FAILED TO DO THE FOLLOWING BELOW.

The FCRA ( 15 U.S.C. 1681 et seq. ) - Notification of Adverse Actions : If a negative change, such as a drop in credit score, is based on information provided by a third-party lender or creditor, the consumer must be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information on credit reports. Despite my submission of clear evidence supporting inaccuracies, XXXX has neither corrected nor removed the disputed items, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, highlighting systemic violations of the FCRA, including : Failing to forward consumer-provided evidence to furnishers during dispute investigations, as required under 15 U.S.C. 1681i ( a ) ( 2 ). Accepting incomplete or unreliable responses from furnishers, in violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy. Failing to provide consumers with proper notification of dispute outcomes, as required by 15 U.S.C. 1681i ( a ) ( 6 ). These issues align with my personal experience, where XXXX has neglected its duty to perform a thorough reinvestigation of my disputes, as mandated by federal law. The companys failure to take appropriate corrective action has caused ongoing harm to my credit standing and violates my rights as a consumer under the FCRA. I am requesting immediate corrective action to remove or rectify the disputed accounts and provide a detailed explanation of the investigation process, including any communication with data furnishers. XXXX failure to comply with its legal obligations has had significant financial consequences for me. If this matter is not resolved promptly, I will explore further legal remedies to ensure my rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, I took a XXXX draw on my heloc via online banking. The money never showed in my checking account, so I thought perhaps there was a waiting period. The credit union recently updated the heloc portion of their online banking. The next day the draw was reversed. 

On XX/XX/XXXX, I reattempted to draw XXXX from my heloc. I was hopeful this time that it would soon reflect into my checking account as it now reflected as money owed in my heloc. The money never showed in my checking account On XX/XX/XXXX, I went to the credit union to speak with someone about the issue. The teller told me that I forgot to put the number 4 at the end of my member number to signify the money needed to go into my checking account. Upon learning this Information, I logged in to the online banking application and was able to instantly transfer XXXX to my checking account ( I no longer needed a XXXX draw ). I asked the teller about the draw from the XXXX that needed to be reversed. She told me she would put in a ticket and follow up with me. 

It has now been well over two weeks and shes been unable to resolve the issue. In her message dated XX/XX/XXXX, she told me it could take a while for the issue to be researched by the team that deals with mortgage issues. Meanwhile, interest is accruing and my new payment is based off of the XXXX draw that they can neither account for or tell me when it will be reversed. I feel it is u reasonable for this issue to be going on for three weeks 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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: WA

Complaint narrative:
I requested an update to my due date on months moving forward that was 13 days from my current due date. I was previously told that I could update my due date to within 15 days of the current due date 1 time per loan period, as long as I made at least 1 payment. I have made 5 payments now and this is the only request I made. A representative named, XXXX XXXX, stated I was unable to change my due date to any dates besides XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I advised I could make this months payment but these dates would not work moving forward. I needed to update to the XXXX moving forward as I was previously advised would be possible. The rep refused to acknowledge that I was looking to modify future dates and just stated it was not possible. I requested a supervisor and the rep left me in chat for 24 minutes without a response and when I stated I was making a complaint with consumerfinance.gov finally started typing. This employee should not be allowed to interact with individuals important financial information.The employee refused to get a supervisor the entire chat conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited {$3000.00} US dollars from my bank account to Crypto.com. The same day, I bought crypto assets on my account : XXXX USDT and XXXX POL. 
After all these transactions, I got an email from Crypto.com stating that my account was temporarily paused on withdrawals and requesting information regarding my jurisdiction. 
I'm a US citizen living in the US, so I provided all the information that they requested, which they also confirmed in their support chat. 
Now my account is locked, I can't operate it transfer or withdraw my money. Support doesn't provide any timeframe for this resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: KY

Complaint narrative:
Im frustrated to see inquiries from your company on my credit report that I never gave consent for.

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 2025-02-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

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 2025-02-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief