vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Issue : Improper Use of Your Report Complaint : EQUIFAX is obligated under the Fair Credit Reporting Act ( FCRA ) to report accurate accounting. I have advised that all the inquiries reported were fraudulent. The company had four ( 4 ) days according to law to remove such items. An FTC fraud report was filed on my behalf. I am now requesting EQUIFAX to provide the documentation used to determine that the inquiry was indeed authorized by me.

EQUIFAX has 15 days to provide me with : The name of the person spoken to, The documentation used, A signed application containing my wet-ink signature, Proof that any late payments reported were verified, The name and contact information of the entity or individual who verified these late payments.

I am not requesting an e-OSCAR report. If EQUIFAX does not have documentation proving that these inquiries and late payments were authorized and verified, they must be removed immediately under federal law.

The company in question is also liable under SEC regulations and must comply accordingly. 

EQUIFAX Commission File Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX will be filing XXXX Treasury Department forms to request an audit of consumer accounts.

EQUIFAX is securitizing consumer data yet refuses to provide consumers with a copy of their consumer file, not just the consumer report.

Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies.

I expect a response within 15 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-02 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: PA

Complaint narrative:
Upon reviewing my credit report, I discovered multiple inaccuracies that require urgent correction. As per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are legally obligated to verify these accounts. Reporting unverified information without proper evidence is a violation of federal law. I insist on an immediate investigation and correction of these discrepancies regarding the following accounts listed in my credit file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Current XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX and XX/XX/XXXX Payment Status : Current

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 2025-04-02 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I was at work. My phone died I have a joint account with my wife on SOFI. We are in between leases. We are waiting on our new apartment to be inspected. We are currently staying at an extended stay hotel until our apartment is ready. Upon getting off of work I had a dead phone. I get home to my wife telling me our account on SOFI had been wiped clean. Literally {$2.00} left in our account. I log on to see that money has been sent to an XXXX on XXXX. XXXX {$200.00} transfers and also a {$400.00} transfer that I did not authorize. A {$300.00} dollar transfer was also made to my XXXX XXXX that I did not authorize and that money from my XXXX XXXX was sent to a bank account that I do not own. Also an XXXX XXXX was sent to and from my XXXX XXXX back to my account and thats the {$400.00} that was last sent to the XXXX to an XXXX. Sofi texted me and asked me if I authorized these payments and I responded No. they only give you an hour to respond and because of this the payments went through. There are several failed attempts to send this money from my account because the transfers were flagged. The thief literally kept trying until the transfers went through and I have screenshots of the failed attempts there were over 30 attempts on my account and Sofi did nothing about it. Ive expressed the disparity that my wife and I are in because the money that was stolen was my entire check from last week which was supposed to serve as our deposit for our new apartment as well as feed us and house us while we wait on our new apartment. I asked for temporary funds in my account while they investigate this matter, all while Ive sent SOFI screenshots of the thief texting me pretending to be a merchant. They have done nothing but file a dispute. My money has not been returned to my account and it is clear that this was fraud and theft. I dont understand how the investigations can continue when I have messages of the person admitting to taking my money from my accountpretending that they didnt realize I didnt receive the goods I paid for asking me to respond to their message so I can get my money back. I never responded. These messages were sent directly to SOFI and the agent keep saying this will be added to the investigation. I need my money back in my account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XXXX me out and making me XXXX. Hope you can address this soon, please.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of XXXX  and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX Dispute of Inaccurate Credit Reporting under XXXX Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I have identified several errors on my credit report related to account [ XXXX - Account # XXXX ] that require immediate correction. 

Disputed Items and Requested Action : 1. Balance Reporting : My account has been charged off, yet the balance remains listed as {$440.00}. According to FCRA and industry guidelines, charged-off accounts should reflect a {$0.00} balance unless sold to a third-party collector. I request an update to reflect the correct balance.

2. Credit Limit Discrepancy : Equifax reports a {$0.00} credit limit, while XXXX and XXXX report {$300.00}. This inconsistency affects my credit utilization ratio and must be corrected.

3. Inconsistent Payment Status and Comments : The report states that the account was in dispute and is now resolved, but it remains derogatory. Under FCRA 611 ( 15 U.S.C. 1681i ), if a dispute was resolved in my favor, negative reporting should be corrected or removed.

The reporting status varies across credit bureaus, leading to inaccurate reporting that affects my creditworthiness.

4. Date of Last Activity Inconsistencies : The last activity dates vary ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). This inconsistency violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires accurate reporting.

I request an investigation into these inaccuracies and the necessary corrections made to my credit report. Please provide a written response detailing your findings and actions within the 30-day compliance period as required under FCRA 611 ( 15 U.S.C. 1681i ).

Enclosed, I have included a copy of my credit report with the disputed items highlighted. If the inaccurate information can not be verified, I request its removal under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Thank you for your prompt attention to this matter. Please send me confirmation once the deletion is complete. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MD

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX Dispute of Inaccurate Credit Reporting under the Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I have identified several errors on my credit report related to account [ XXXX - Account # XXXX ] that require immediate correction. 

Disputed Items and Requested Action : 1. Balance Reporting : My account has been charged off, yet the balance remains listed as {$440.00}. According to FCRA and industry guidelines, charged-off accounts should reflect a {$0.00} balance unless sold to a third-party collector. I request an update to reflect the correct balance.

2. Credit Limit Discrepancy : XXXX reports a {$0.00} credit limit, while XXXX and Experian report {$300.00}. This inconsistency affects my credit utilization ratio and must be corrected. 
3. Inconsistent Payment Status and Comments : The report states that the account was in dispute and is now resolved, but it remains derogatory. Under FCRA 611 ( 15 U.S.C. 1681i ), if a dispute was resolved in my favor, negative reporting should be corrected or removed.

The reporting status varies across credit bureaus, leading to inaccurate reporting that affects my creditworthiness.

4. Date of Last Activity Inconsistencies : The last activity dates vary ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). This inconsistency violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires accurate reporting. 

I request an investigation into these inaccuracies and the necessary corrections made to my credit report. Please provide a written response detailing your findings and actions within the 30-day compliance period as required under FCRA 611 ( 15 U.S.C. 1681i ). 

Enclosed, I have included a copy of my credit report with the disputed items highlighted. If the inaccurate information can not be verified, I request its removal under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Thank you for your prompt attention to this matter. Please send me confirmation once the deletion is complete. 

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 2025-04-02 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: GA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XXXX me out and making me XXXX Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NE

Complaint narrative:
I've mailed the two letters and they have failed to respond. I have the certified mail receipt and copies of what I sent and two forms of proof of identity and mailing address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC Dispute The ATM ate {$1100.00} when attempting to deposit XX/XX/XXXX approximately XXXX Spoke to agent at Approximately XXXX {$3000.00} ( PNC Deposit ( {$1100.00} didnt deposit {$1900.00} deposited Branch verified that the ATM was down the evening of XX/XX/XXXX and being repaired XX/XX/XXXX Called back XX/XX/XXXX XXXX requested video footage again and to reopen the dispute after no one called back after XXXX call. Emailed as well and did not get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX of XXXX ( XXXX XXXX XXXX  ) for engaging in deceptive sales practices, failure to properly register my vehicle, and selling me a vehicle with undisclosed issues. 
Details of the Complaint : 1. Deceptive Pricing & Financing Fraud : I purchased a XXXX XXXX XXXX from this dealership on XX/XX/XXXX for {$27000.00} and also paid for an extended warranty and GAP insurance. However, by the time I signed the final contract, the total amount owed was {$35000.00}, which was significantly higher than expected. I was not properly informed about the true costs of financing, and I now have over {$15000.00} in negative equity on a truck that is worth only {$15000.00}, as confirmed by multiple dealerships including this jeep dodge ram dealership that sold it to me less than 90 days ago. 
2. Undisclosed Mechanical Issues : Within 90 days of purchase, there needed to be {$5000.00} in repairs due to an oil leak that was there before purchase and failed XXXX XXXX  That issue was not disclosed at the time of purchase. The truck never received an oil change prior to my purchase, showed clear signs of neglect according to the multipoint during the oil change. 
3. Failure to Register the Vehicle : When I attempted to trade in the vehicle, two separate dealerships informed me that the vehicle is not showing up as registered in my name. This means XXXX XXXX XXXX of XXXX failed to properly register the truck, which could prevent me from trading it in or legally operating it. Even XXXX XXXX XXXX themselves confirmed they could not trade me out of the vehicle due to this issue. When I asked to see the documents I signed they told me The Printer is not working. They proceeded to tell us that the only way to get out of this situation was to finance or lease a brand-new car with a car payment of XXXX XXXX {$1200.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: PA

Complaint narrative:
I called XXXX XXXX XXXX  on XXXX and spoke to a XXXX XXXX him this is not my debt an that I want validation that it is my debt he wanted to do a soft inquiry I did not let hm do that to many scams out there. I want validation that this is my account and who the orginal creditor is regarding this account. 

They will not provide proof of the original debt

Company response to consumer: Closed with non-monetary relief