vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
The reason for this email is that SoFi closed my account under false pretense. They said it was because of unusual activity when actually they closed my account because I filed a dispute then they told me that I went against the policy please tell me where it is against the law to file a dispute? This is the account I received my social security XXXX money on so why would I do anything wrong against this account? I dont understand now I have to wait pass the third of the month to receive my benefits this is very unfair to me and my child and I want to know what I can do about it I want to press charges or file a lawsuit against this place for negligence because they dont care about me or my rights I am a mother and I have to take care of my child I cant do it because somebody looked at my account and said I violated a rule and when I asked for my account numbers so I can change direct deposit they refused me. This is unfair to me and something needs to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
XXXXXXXX XXXX is an account that is not only not mine but they are reporting information that is COMPLETE inaccurate. They are not reporting the same thing on each bureau. They continue to change the information and update on the credit reports and nothing is consistent. Beyond the fact that the account does not even belong to me, they continue to update with different information and backdate dates and change things. They are reporting the account as opened XX/XX/XXXX and the date of last payment as XX/XX/XXXX. This makes XXXX sense. How is the date of last payment prior to the account ever even being opened? They have failed to produce a copy of any contract. The are showing a charge off on one bureau and late on another. They originally changed the status to charge off on Transunion then backdated the reporting date from XX/XX/XXXX ( CHARGE OFF ) to XX/XX/XXXX ( XXXX days late ) They are showing inaccurate payment history and reflecting different information on each credit bureau. The credit bureaus are not holding them accountable for the fact that it is a fraudulent account to begin with and I've already submitted this information numerous times. Originally XXXX deleted the account then without notification suddenly reported the account again with a different status and the balance went from {$8000.00} to {$87000.00}. I have attached a complete summary with all details and all of the inaccurate information that has reported on a chart to prove this creditor has no idea what to report or what they are talking about.

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 2024-12-20 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: TN

Complaint narrative:
I am writing to formally dispute the inaccurate and duplicate reporting of a paid account on my credit report. The appearance of the same account multiple times is not only misleading but a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus and creditors to ensure the accuracy of the information they report. 

This account has been fully paid and satisfied, yet it is appearing multiple times on my credit report as though it is still active or unpaid. 

This duplicate reporting is causing significant harm to my credit profile by inaccurately inflating my liabilities. These errors are misleading, unjustified, and must be corrected immediately.

Action Requested I demand that : 1. The duplicate entries be removed from my credit report immediately.

Failure to address this matter promptly will leave me no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and/or pursue legal remedies for violations of the FCRA. 

Please confirm receipt of this letter and provide written confirmation once the corrections have been made. I expect this issue to be resolved within 30 days from the date you receive this letter. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Hi I checked my credit report, and I noticed that there's unauthorized hard inquires and unauthorized accounts. My information was exposed in a data breach charge that I do not recognize and have asked for them to be removed. Also, XXXX XXXX  closed my business account for no reason and took {$3200.00} from my account for a old charged off credit card without my permission and I request for my funds back. never received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: Westcreek Financial
State: TX

Complaint narrative:
Hi I checked my credit report, and I noticed that there's unauthorized hard inquires and unauthorized accounts. My information was exposed in a data breach charge that I do not recognize and have asked for them to be removed. Also, XXXX XXXX  closed my business account for no reason and took {$3200.00} from my account for a old charged off credit card without my permission and I request for my funds back. never received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EXPERIAN XXXX XXXX Account # : XXXX Balance : {$5200.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # : XXXX Balance : {$40000.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$110.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # : XXXX Balance : {$970.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # : XXXX Balance : {$30000.00} Date Opened : XX/XX/XXXX Account Status : Closed UNAUTHORIZED INQUIRIES Creditor Name Date of Inquiry 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 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 2024-12-20 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: VA

Complaint narrative:
I am writing again for the nth time regarding unresolved inaccuracies and inconsistencies in my credit report that remain unaddressed despite prior disputes and communications. This letter serves as a formal and urgent follow-up request for immediate action to resolve these issues.

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 2024-12-20 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: UT

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ( XXXX ) XXXX : XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Experian. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX ( XXXX ) XXXX : XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Experian. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
My monthly statements withheld important information about how to make sure my XXXX promotional balances were paid off in time before the expiration dates. I was financially able to make sure everything was paid off in time, but Synchrony never communicated to me how much things work on their end- it felt like a strategic omission of info in order to land me in a position where I had interest charges. I requested information regarding their policy about needing to call in each month to allocate funds for specific promotional purchases. I was never made aware of this until it was too late and I was receiving interest charges. The customer service phone line was absolutely terrible. 

Multiple pieces of info withheld- how equal payments automatically take priority over deferred interest payments - How deferred interest payments dont have minimum payments required - The only way to allocate payments is to call - nothing online for this - So if I want to pay off deferred interest promotions in time, I first need to pay more than the minimum, and then follow up by calling in and asking it to be allocated correctly - The system is not effectively designed to help me make my payments correctly. Theres information strategically withheld, theres nothing on statements or in the terms and conditions. The system is designed to be predatory and create situations like this where I now have interest charges.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
Since filing my initial dispute with Chime on XX/XX/year>, I have faced continuous challenges in resolving XXXX unauthorized transactions on my account. After escalating my complaint to the CFPB, Chime responded, but despite my requests, they have yet to provide the documents they used to conclude that no errors were found. 

Out of the four online banking apps linked to my XXXX XXXX, XXXX XXXX, and XXXX XXXXChime is the only institution that has denied my claims. The other three have investigated and all three ruled in my favor and refunded my money. Chime 's persistent denial feels like they are questioning my integrity. 

I suspect the issue may be related to my XXXX XXXXXXXX thats missing and been stationary since I upgraded to a new device. As an employee at a XXXX XXXX XXXX XXXX XXXX which has the XXXX XXXX XXXX XXXX contract so we have anywhere from XXXX men staying here in treatment at a time. my phone is not always with me, which might have contributed to the situation. My research indicates that similar incidents have occurred, involving unauthorized access to personal information, sometimes implicating XXXX and the criminals use some device to gain access to your account information. When XXXX looks at your transactions it looks like you made them, when in fact you did not. 

Despite Chime 's awareness of my financial hardshipssuch as impending utility shut-offs, overdue rent, and credit card paymentsthey have not provided any refunds for the transactions they approved on my credit builder card. This ordeal is devastating, and even if I eventually recover my funds, the damage to my credit and mental health will take years to mend. I am deeply disappointed that a company I trusted with my finances has not supported me and instead, has resisted at every turn. 

I believe Chime has violated my consumer rights under the EFTA and Regulations E & F by failing to provide requested documentation. I suspect they hastily denied my initial claim to avoid issuing a credit and have not complied with the regulatory requirements to investigate and report errors within the specified timeframes. 

Recently, I requested the case be reopened and was informed by supervisors that an internal investigation was underway. I was assured of receiving provisional credit by XX/XX/year>, yet today, I learned my claim was denied again. This delay far exceeds the 10 business day period typically expected, and I am left without resolution. 

I urge the CFPB to investigate this matter thoroughly, as Chime 's actions have caused significant financial and emotional distress. Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Equifax. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.

Company response to consumer: Closed with non-monetary relief