vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX  XXXX XXXX XXXX XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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. 

If these erroneous accounts are not deleted immediately, I will be forced to sue u seeking maximum monetary damages clearly outlined within 15 USC 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Alorica Inc.
State: CA

Complaint narrative:
In XXXX of XXXX  I submitted a request for a 2 month payment deferral based on their XXXX  program for the months of XX/XX/year> and XX/XX/year>. I was advised to make sure to maky my XX/XX/XXXX payment which I did and have been making my monthly payments ever since. This company still has not processed the request and they have not re-aged my account and they have been reporting this account as overdue to the credit bureaus since XXXX of XXXX. It is having a snowball effect and has greatly impacted my credit. I was turned down for an apartment because this account is showing as almost 6 months overdue, even though I am making payments ( this has to be illegal ). I have made several calls and wrote several letters and it still is not resolved. I even filed a claim with the XXXX XXXX XXXX  My last call was on XX/XX/year> and the representative XXXX, confirmed it had not been processed yet and is just pending to be processed. I find this extremely concerning even though the company responded to the XXXX XXXX XXXX saying it was processed in XXXX. Please see the attached documents showing proof of the efforts made in trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
I have previously submitted numerous requests to your company to reassess the inquiries on my credit report, which I believe to be erroneous. Are you not obligated to conclude such investigations within XXXX days of receiving them? I am aware of instances where companies have accessed individuals ' credit without a legitimate purpose, and I have yet to receive any verification of such reasons from your organization. I have made attempts to reach each of the companies listed, and the majority have no record of me whatsoever. How can they claim a legitimate business purpose to access my credit if they are unaware of my existence? 

XXXX XXXX XXXX XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX  XXXX XXXXXXXX XXXX XXXX I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


Sincerely, 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 2024-12-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX XXXX XXXX XXXX XXXX I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


Sincerely, 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 2024-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
They said i opened an account and i have never used XXXX XXXX XXXX XXXX  and i didnt even have social security in that time. 

I contacted them and asked for proof of ownership and they said they cant provide me anything just to pay off the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Key Issues Identified : XXXX. FAILURE TO HONOR PROMOTIONAL OFFERS a ) XXXX failed to deliver the advertised balance transfer incentive tied to my credit card, as promised. 

XXXX BUSINESS SYSTEMS AND SECURITY FAILURES a ) Persistent error messages highlight significant system reliability issues. 
b ) SoFi acknowledged engineering defects but refused to manually process transfers or offer interim solutions to uphold the balance transfer promotion. 
c ) Phone and online chat systems frequently disconnected abruptly and lacked effective escalation paths to managers or specialized teams equipped to address complex issues. 
d ) Allowing a credit card to be activated without the cardholders knowledge or consent demonstrates a serious security flaw. 

XXXX. CUSTOMER SERVICE FAILURES a ) Representatives consistently provided conflicting and inaccurate information via email, chat, and phone, further complicating issue resolution. 
b ) Escalation requests submitted through SoFis recommended social channel, XXXX, were ignored. 

XXXX. FAILURE TO RESOLVE ISSUES a ) Despite months of escalation requests, no meaningful solutions were offered, error messages persisted, and significant time was wasted. 
b ) SoFi took no action, allowing the promotional balance transfer incentive to expire. 
c ) To date, three separate support tickets have been opened, but there was no adequate follow-up or resolution. 

XXXX. MISLEADING AND DECEPTIVE COMMUNICATION a ) Communications falsely claimed that issues were resolved, misrepresented facts, and ignored ongoing concerns. 
b ) SoFi used no-reply email addresses without bounce notifications for replies, effectively blocking direct responses and obstructing resolution. 

XXXX. WIPING OF CUSTOMER RECORDS a ) SoFi erased chat histories without prior notice and refused to restore them, hindering documentation and issue tracking. 
b ) Despite acknowledging that chat histories remain accessible internally, the deletions appear intended to complicate matters for customers and minimize SoFi accountability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-09 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX 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 2024-12-09 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 inform you that I am a victim of a data breach. As a result, I respectfully request the immediate blocking and deletion of the following fraudulent account from my credit report, in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). This account was opened fraudulently in my name, and I am requesting its removal from my credit file. 
Fraudulent Account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: TN

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. As a result, I respectfully request the immediate blocking and deletion of the following fraudulent account from my credit report, in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). This account was opened fraudulently in my name, and I am requesting its removal from my credit file. 
Fraudulent Account : XXXX XXXX XXXXXX/XX/year>

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 2024-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
I sent a debt validation request to American Adjustment Bureau on [ date ] for XXXX accounts ( {$670.00}, {$1100.00}, and {$820.00} ), requesting proof of their right to collect, a detailed account history, and a signed agreement verifying my obligation to pay. Their response did not provide the required documentation or adequately validate the debts. They labeled my dispute as frivolous without addressing the specific issues I raised. The debts remain on my credit report, and I believe their handling violates the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Subject : Debt Validation Request for alleged debt- Account # XXXX To whom it may concern, I am writing to formally request validation of the debt associated with the alleged debt XXXX, for which I am the personal guarantor. As the guarantor, it is crucial for me to ensure the accuracy and legitimacy of the debt I am being asked to satisfy. I hereby request debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I kindly request that you provide me with the following information : 1. Verification of the existence of the debt and the amount owed, including a breakdown of principal, interest, and any other charges.

2. Detailed documentation outlining the loan agreement, including the terms and conditions, interest rate, repayment schedule, and any relevant amendments or modifications.

3. Proof of your authority to collect this debt, including any assignments or transfers of the loan.

4. Verification that the statute of limitations for collecting this debt has not expired.

5. Copies of any statements or records pertaining to the account, including loan statements, payment history, and any correspondence related to the loan.

I want to emphasize that until sufficient validation of the debt is provided, I dispute its validity. According to the FDCPA, you are obligated to provide the requested information within 30 days of receiving this letter. Failure to validate the debt will lead me to assume that the debt is not valid, and I will take appropriate actions to protect my rights.

Furthermore, I kindly request that you halt any collection efforts until the debt has been properly validated. This includes any attempts at communication, whether by phone, mail, or any other means.

I am hopeful that we can resolve this matter amicably and address any potential misunderstandings. Therefore, I kindly ask for your cooperation in providing the requested documentation within the specified time frame. Please send all correspondence to the address listed above.

Thank you for your prompt attention to this matter. I anticipate receiving the requested information and resolving this issue in a timely manner. 

Sincerely, XXXX XXXX Representative All Rights Reserved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
There is a account opened in my name and i didnt authorize it there isnt any proof of my id being shown nor copies of my ssi card or my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-09 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NY

Complaint narrative:
I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, this incorrect name and addresses remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi. My spouse and I expected to receive our new credit cards by XXXX of XX/XX/year>. The cards did not come. Instead, we started to see unrecognized transactions on our credit accounts on XXXX of XXXX. We think our cards were stolen during the delivery and were used by someone without authorization. We have already reported the issue to the Chase bank and USPS. Based on the information provided by the bank, they will research our claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover credit card and XXXXXXXX XXXX the charges are not mine the big payment on the account were not made by me.

Company response to consumer: Closed with explanation