vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally address an issue regarding the 1099-C form for a charged-off account with XXXX XXXX  account # XXXX XXXX The account was paid off in XX/XX/year>, but I have not received a 1099-C form for tax purposes, which I believe I am entitled to for the cancellation of debt. 

After contacting a representative from the bank, I was informed that the reason I have not received the form is due to an issue with the legibility of my personal information in their system. Despite all forms being completed online and my personal details being typed clearly, the bank claims that the information is illegible on their end. However, my personal information is legible enough to be reported on my credit report and for the bank to write off the debt for their own tax purposes. 

I find this situation concerning, as the bank has not provided a clear solution and is preventing me from receiving the necessary tax documentation. I would appreciate your assistance in resolving this issue and ensuring that I receive the appropriate 1099-C form for my records.

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence.

The following accounts require immediate review and correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: CA

Complaint narrative:
The account on kikoff was not opened by me my information was compromised

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-19 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: TX

Complaint narrative:
Under FCRA 605B ( 15 USC 1681c-2 ), I am requesting the immediate blocking and removal of fraudulent accounts and inquiries from my credit report. These resulted from identity theft, the XXXX data breach, and fraud. I have attached my FTC Identity Theft Report as proof. These items must be removed within four ( 4 ) business days as required by law.

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: NY

Complaint narrative:
On XX/XX/year>, my paycheck was stolen after I received my direct deposit from my job to my WISELY card, which is issued by ADP ( Automatic Data Processing ). I contacted WISELY to inform them and canceled my card and filed a dispute. I was sent a dispute form in the mail. I contacted the merchant where the transaction was made to make a dispute on that end also. I sent the dispute form along with proof from the merchant that I did not make the transaction back to WISELY. WISELY informed me that they had 30 days to investigate. WISELY closed my dispute on XX/XX/year> and did not refund my money for the fraudulent transactions. They did not inform me that they closed the dispute and how they came to their decision. They also closed their dispute without my dispute form or without the evidence I sent to them which was received by them on XX/XX/year>. They did not even review my documents. They did not do a proper investigation. I was told that I had to write a letter to reopen the dispute, which I did, and I have not heard back from them, nor have I received my paycheck from XXXX as of yet. WISELY does not handle consumers direct deposits well as a banking solution. They take too long to handles disputes and refuse to issue refunds for fraudulent transactions made on your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Dept. of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was amongst that dataset that was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-03-19 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, Engelhardt V. Gravens ( MO ) 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
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am writing to formally request a second round investigation into a dispute I previously filed with your agency regarding inaccurate information on my credit report. Despite your previous response, I believe that the investigation was either incomplete or incorrect, and I respectfully request a re-investigation of the following disputed entry : Account Name/Number : XXXX The previous investigation did not resolve the issue, and I have reason to believe the information is still inaccurate. I respectfully ask that you re-open the investigation and thoroughly review the information provided by the data furnisher Aldous & Associates. If the creditor or data furnisher can not verify the accuracy of the disputed information within the required 30-day period, the item must be removed from my credit report in compliance with 15 U.S.C. 1681i.

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide me with the Method of Verification used during your investigation of this dispute. Specifically, I am requesting the following : Details on how the data furnisher Aldous & Associates verified the information.

Copies of the documentation or evidence provided by the data furnisher that supports the accuracy of the information.

Information regarding the steps your agency took to verify the disputed entry.

Thank you for your prompt attention to this matter. Please confirm the receipt of this letter and inform me of the steps you will take to resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I contacted this agency about XXXX XXXX ..they sent out checks and believe I threw mine away by accident thinking it was scam .I was told to contact his agency about getting check reissued ..I have emailed and emailed and called and got no response..I called with my current address and new number..I just needed check to be reissued about the XXXX XXXX claim

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I am filing a formal complaint against Absolute Resolutions Investments LLC and their legal representative, XXXX XXXX XXXX XXXX, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as well as for causing me financial and emotional harm. 
On XX/XX/year>, I sent Absolute Resolutions a written request for reinvestigation regarding an alleged debt of {$1600.00} from XXXX XXXX XXXX XXXX. On XX/XX/year>, they responded, claiming the dispute was accurate but failed to provide proper validation. Instead, they sent only billing statements through XXXX XXXX XXXX XXXX, which do not meet the legal standard for debt validation under 15 U.S. Code 1692g. 
On XX/XX/year>, I was contacted by XXXX XXXX XXXX XXXX on behalf of Absolute Resolutions. I disputed the debt with their law firm and specifically requested they provide the mailing and delivery records for the statements they previously sent. They failed to provide this information within the required timeframe, violating 15 U.S. Code 1692g ( b ) and 15 U.S. Code 1681s-2 ( b ). 
On XX/XX/year>, I sent Absolute Resolutions a cease and desist letter along with a formal refusal to pay, again demanding proper validation. They responded by placing the account on hold, submitting the dispute to the consumer reporting agencies, and marking the tradeline as disputed. However, they falsely claimed my dispute was frivolous or irrelevant under 15 U.S. Code 1681i ( a ) ( 3 ), despite the fact that my request was legitimate and materially different from my previous disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I have asked credit bureaus to show proof that i opened these accounts by sending me a application bearing me signature, they have yet to do so, I never gave authorization to open these accounts

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 2025-03-19 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: PA

Complaint narrative:
I AM A VICTIM OF THE RECENT EQUIFAX DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS DUE TO THE RECENT DATA BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.

Complaint narrative:
I have several cases open that show how I was defrauded by XXXX XXXX Bank, a self-pro-claimed SoFi affiliate XXXX for a significant amount of money. I have a letter from the FDIC proving that XXXX XXXX Bank is a fraudulent entity as shown in Appendix A. I have open investigations with the FBI and several large Brick and Mortar institutions that were used as intermediaries in the theft. Of particular concern regarding SoFi, please refer to attachment B that shows affiliation with SoFi, with SoFi 's phone number given as their own in Attachment XXXX XXXX contacted SoFi in XX/XX/year> to verify if XXXX XXXX Bank was affiliated and was told that they were not. This was concerning to hear as it was my first indicator that XXXX XXXX Bank ( sagetrustb.com ) was a fraud. As shown in the SEC filing Attachment E, there are several unnamed subsidiaries of SoFi HK, at least one of which operates in the XXXX XXXX XXXX, which is exactly where XXXX XXXX Bank claims to be headquartered. This seems to corroborate their assertion of affiliation to some extent, but I trust this is nothing more than coincidence. Since I started my investigation, the sagetrustb.com platform has been removed from public view as the URL now only leads to a blank screen. Previously, it opened public web pages that anyone could view which contained the claimed XXXX affiliation per my referenced attachment snips taken before webpage deactivation, that was used to lure victims into giving them money. Given the timing of my investigation, it is clear that XXXX XXXX Bank has eliminated public access purposely to avoid the investigation I started which further corroborates their guilt. Of specific concern regarding SoFi is the fact that they are still running their platform for pre-existing users with login credentials, and even still allow new victims to create accounts through https : //online.sagetrustb.com. While I am encouraged that my efforts have shut down their public non-registered-user access, protecting many future victims, they continue to operate as shown with functional login link I provided. In essence, they are continuing to steal from people in the name of SoFi. My concern and complaint is that SoFi has allowed XXXX XXXX XXXX  to take its identity as basis to defraud innocent people. Now that I am formally stating this in writing with undeniable evidence, I would be dumbfounded if their website was allowed to continue to operate behind user login access. This is formal written notice that innocent people are being defrauded in the name of SoFi. Under no circumstances should this be tolerated or allowed to continue. My investigation will escalate as needed and I am happy to share any available information to help SoFi protect their image and reputation from XXXX XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
In the year of XXXX this home equity loan was discharged by bankruptcy. My complaint is in regards to Violation of Periodic Statement Rule. I received a Certified Letter dated XX/XX/XXXX from an attorney advising me to contact Real Time Resolution in order to avoid foreclosure on my home. Before receiving that letter I did not receive any notification that foreclosure could be filed on the home since the year XXXX. Over time I was not given an opportunity to work out a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-03-19 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
So my grandmother passed away in XXXX of XXXX and she had insurance title insurance home mortgage everything and because of family members lying and doing fraudulent activities I wasn't informed until the property being foreclosed until 2 days prior and when I asked they kept telling me they couldn't inform me because I wasn't verified and next thing you know the house is a foreclosure and when I verify that I am success or interested in tell them that my mother passed away so I was next to XXXXXXXX XXXX XXXX and that my cousin 's weren't they apologized and they said they would inform me about you know what was going to happen okay about a month later they informed me that I was approved for loss of the nation and I was only successor and interest but because my aunt did what she did the house I went for foreclosure and new rest Shell point they informed me had nothing to worry about but now the lady that the highest bidder has been threatening me coming by and she also put a judgment on me to where they're supposed to be coming to take me and my kids property and when I look online she is using my grandma 's from XXXX was paid off so she inherited my property from my grandmother which me and my grandmother didn't know who she was and because of this we're losing our home and my kids and I keep trying to find lawyers or someone to help and I can't find anyone to help I asked for a lawyer and I was denied and they gave me less almost maybe almost 2 weeks to move out since we've been here since XXXX I have XXXX kids and they gave me not even 2 weeks is there anything I can do for anyone that can help me

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 2025-03-19 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: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief