vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX XXXX XXXX to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. 
I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. 
Summary of Discrepancies : XXXX. 
XXXX XXXX : Experian reports {$0.00}, while XXXX and XXXX report {$680.00}. 
XXXX. 
XXXX. 
Last Verified : Only XXXX reports a date ( XX/XX/XXXX ). 
Date of Last Activity : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 
XXXX. 
Date Opened : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ). 
XXXX. 
Balance Owed : Experian reports {$10.00}, while XXXX and XXXX report {$0.00}. 
XXXX. 
XXXX. 
Closed Date : Only XXXX reports a date ( XX/XX/XXXX ). 
Account XXXX : XXXX reports Derogatory, while XXXX and Experian report Paid. 
XXXX. 
Creditor Type : XXXX lists XXXX XXXX XXXX XXXX, while XXXX and Experian list Bank XXXX XXXX. 
XXXX. 
Creditor Remarks : Different remarks from each bureau. 
XXXX. Last Payment : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 
XXXX. Account XXXX : XXXX reports Secured credit card, Experian reports Credit line secured, and XXXX does not report. 
XXXX Credit Limit XXXX XXXX XXXX {$0.00}, while XXXX and Experian report {$500.00}. 
XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.

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 2024-07-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year> I got a deposit in my SOFI account for {$1400.00} SOFI then restricted my account based on some transaction history.

It was deemed by their internal review team that my account would be closed and the remaining balance would then be mailed to me of {$1400.00} It has been almost 60 days since that happened. since then I call and receive no information on the timeline in which my account will be closed.

I have asked them to allow me to provided any information they may need, they then reject that and tell me there is no way to contact the review team. 

They will no tell me any information and it for all intent and purposes feels like they are stealing my money. They refuse to give me any kind of timeline. I have called them XXXX or more times. over the last 60 days. with absolutely no head way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: MOHELA
State: CA

Complaint narrative:
On XXXX discrepancy from Mohela ( student loan ) appeared on my credit. Ive never applied for one.the amounts are for {$3000.00} & {$1700.00} Ive tried disputing it and was rejected thru XXXX XXXX. The contact number for the company sounds like a pre-recorded message/machine, con not get a hold of anyone. Just gives option for medical-aid and/or supplies. I have my credit on freeze and all whats in there is correct except this. Any help would greatly be appreciated..thank you!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2024-07-23 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: OH

Complaint narrative:
I have XXXX inquiry in my experian credit report from XXXX made on XX/XX/XXXX, i have never authorized this. 

Several credit inquiries in XXXX and Equifax that I have NOT authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-07-23 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: MO

Complaint narrative:
I have noticed some unauthorized inquiries and negative items and numerous inaccuracies on my consumer credit report by the following companiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-23 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: MO

Complaint narrative:
I have noticed some unauthorized inquiries and negative items and numerous inaccuracies on my consumer credit report by the following companiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-23 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: MO

Complaint narrative:
I have noticed some unauthorized inquiries and negative items and numerous inaccuracies on my consumer credit report by the following companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-23 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MS

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
phones and phone numbers on or about XX/XX/24. Since that time I have continued to have access my Coinbase account. I have added payment accounts to deposit funds into the account, have made a {$2000.00} deposit ( XX/XX/24 ) and a {$2000.00} deposit ( XX/XX/24 ). I have been able to execute multiple purchases of cryptocurrencies on the platform during this time. On XX/XX/24 I initiated a transfer of crypto from my Coinbase trading account to my personal Coinbase wallet. I was prompted for a Passkey for 2 factor authentication. This is a feature I have never set up nor had I ever been prompted for this previously. All of my 2 factor authentication had been one time use verification codes sent via SMS. I was unable to verify this passkey and no alternative verification options were provided. I have attempted to contact the customer service line which turns out to be an automated system that provides 5 options that each just route you to refer to the help page and then hang up.After having my ID verified twice by sending copies of my government issued ID, I was able to get an email response from service staff who have no idea how to utilize the system and continue to copy and paste generic troubleshooting ideas from their help page. After more than a dozen emails, they have informed me that they are aware of the problem, will not be responding to the issue further and that I should just periodically continue trying to log in to see if the issue is resolved. I have over {$4000.00} in the account, no access currently and Coinbase has no path forward to regain access. I have the same email and password login information, my name and physical address has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: Kikoff Inc.
State: FL

Complaint narrative:
I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and 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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/year> - I was trying to access my free credit report from freecreditreport.com. When it came time to interact with Experian, they requested my email and phone number and gave me no choice which they could use to contact me. They sent a text to my phone for me to click/verify the link. The link didn't work. Instead, I got an error message that said " Something went wrong. Your link may have expired or there's a technical issue on our end. Return to the original page to try again. '' - I clicked it immediately, so it hadn't expired. I went back to the original page. Tried again. Second link - same result. 

I called the company 3xs. They request my social upfront. Then, the automated system refuses to connect me to a representative, won't transfer or give an option for tech support, and everything I tried resulted in the phone hanging up on me. I'm VERY uncomfortable with a company that records my phone number and social, but won't speak to me directly. I find it unacceptable that I can't speak with a person at a company that has so much access to and power over PRIVATE information that has power to make my life very difficult if mishandled. I deserve a human conversation and if it's a manpower issue, they could have offered the option to get back to me when someone is available. There was NOTHING available. Now I have no report, my social has been documented by some number that I have to TRUST is actually Experian and I'm disgusted with the evasive tactics to hide behind a limited automated system ( that doesn't offer tech support as a selection ) and refuse to actually SPEAK to a customer. The automated system even told me it couldn't allow me to speak to anyone when I said " representative '', " help '', and " technical support ''.

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 2024-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have experienced resistance to receive information on the school misconduct loan discharge as well as the application from Navient. After much persistence on my behalf, Navient forwarded me application, but informed me that my application would be automatically denied. In XX/XX/XXXX, I submitted the application & received an email from Navient on XX/XX/XXXX, stating that my student loan did not qualify for discharge because the funds were sent directly to me & not the XXXX & also because XXXX XXXX XXXX was a non-profit school. I responded to Navient to provide with me with their eligibility criteria in which they are basing their school misconduct discharge decisions on, & also for the loan origination documents. I received my loan origination documents, however did not receive any information in regards to how Navient was basing their decisions. Upon reviewing the loan origination documents, the documents confirm that the funds were sent directly to XXXX XXXX XXXX  XXXX not directly to me as Navient is claiming. On XXXX XXXX, I received an official denial letter from Navient, once again stating that my loan did not qualify for discharge due to my loan being a private loan, & also the school being non-profit, referencing the Holder Rule federal regulation & siting XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as the basis of their decision. I contacted the FTC for further information regarding their Holder Rule & upon researching the FTCs & The Project on Predatory Student Lending Holder Rule articles, the Holder Rule qualifies private student loans as part of the school misconduct loan discharge. Additionally, the federal case XXXX XXXX XXXX XXXX  XXXX XXXX that Navient is citing, the Memorandum Opinion applies to Truth-in-Lending Disclosure, Bankruptcy, & Unreasonable Credit & Appraisal fees as it pertains to Mortages, & is not an applicable motion pertaining to student loan misconduct discharge consumer protective rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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