vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: AZ

Complaint narrative:
Hello, I am writting this letter to inform a fraudulent account that was opened under my good name. I have no idea what this company is. XXXX XXXX XXXX has added a account to my consumer report opened XXXX XXXX. I am not liable for. Please delete this account immediately is not mine.

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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.

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 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I submitted a dispute on XX/XX/XXXX because my debit card was used at a XX/XX/XXXX and someone withdrew money from my checking account. I do not use an ATM. I NEVER need cash. My PIN is on my card and it was taken or lost and then I noticed these charges. I immediately dispute and then I received a notice on XX/XX/XXXX, that there was no fraud. 

There was fraud, and I need this {$400.00} for Rent. SoFi denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
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 explanation
Consumer complaint received 2024-10-31 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: WA

Complaint narrative:
I am a survivor of XXXX XXXX filing this complaint against Equifax following its previous denial of my request to block adverse information on my credit report due to a dispute over my documentation. To meet Equifaxs stated requirements under Regulation V, I am now submitting a declaration affidavit affirming my status as a trafficking survivor. Additionally I am attached and " Victims Determination Affidavit '' which has been reviewed, accepted, and officially entered into the court record as evidence, and certified by the XXXX XXXX XXXX XXXX. This documentation aligns with Equifaxs and Regulation V 's guidelines for recognized trafficking documentation and has been provided in connection with an active case, in which a central issue is my status as a trafficking survivor. The remaining adverse information has created barriers to essential resources, including housing and employment, that are critical to my recovery. I request the CFPBs assistance to ensure Equifax complies with Regulation V by blocking this adverse information and updating my report to reflect accurate information, supporting my right to a fair and accurate credit report as I rebuild my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The notification message from Wells Fargo informed me that the three transactions had been declined and the merchant had not withdrawn the funds from my checking account. 
But my checking account was actually charged by the merchant for these three transactions that I did not authorize. 

Wells Fargo provided me with false transaction information, which resulted in the theft of funds from my checking account.. 
Wells Fargo did not protect my bank account from being compromised, refused to process the incident for me, and closed my checking account without authorization. Caused me serious losses. 

Please ask Wells Fargo to compensate me for these three charges as well as the loss cost of closing the account.

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 2024-10-31 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: NJ

Complaint narrative:
Dear CFPB, Reference : Equifax - acc # XXXX XXXX XXXX XXXX I am writing to formally address an issue I have encountered with XXXX XXXX, a collection agency that has placed an invalid negative collection on my credit report. This action appears to be a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 5 ) and 15 USC 1692c.

Despite my repeated attempts to resolve this matterthrough multiple phone calls and emails beginning in the month od XX/XX/year> when I noticed change on my credit report XXXX XXXX has failed to remove the inaccurate information from my credit report. This has caused significant distress and adversely affected my credit score. 
Please review attached email correspondence with XXXX XXXX XXXX I kindly request that the CFPB investigate this matter as I believe my rights under the FCRA have been violated. I have attached copies of my correspondence with XXXX XXXX and my credit report showing the disputed collection for your reference. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX [ Attachments : Correspondence with XXXX XXXX, Credit Report ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a National credit system Account # XXXX Date opened XX/XX/XXXX Bal. {$4100.00}, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Date opened XX/XX/XXXX Bal. {$2700.00}, XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$940.00} XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$930.00}, XXXX & XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$350.00} XXXX XXXX XXXX XXXX, XXXX Account # XXXX Date opened XX/XX/XXXX XXXX {$310.00}, XXXX XXXX XXXXXXXX Account # XXXX Date Opened XX/XX/XXXX Bal. {$270.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Bal. {$140.00}, key bank na Account # XXXX Date opened XX/XX/XXXX Bal. {$48.00}, XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$0.00} Inquiries : Discover financial ser.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Bal. {$4100.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Bal. {$2700.00}, XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$940.00} XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$930.00}, XXXX & XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$350.00} XXXX XXXX XXXX XXXX, XXXX Account # XXXX Date opened XX/XX/XXXX XXXX {$310.00}XXXX XXXX XXXX XXXXXXXX Account # XXXX Date Opened XX/XX/XXXX Bal. {$270.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Bal. {$140.00}, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$48.00}, XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$0.00} Inquiries : XXXX XXXX ser.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-31 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: TX

Complaint narrative:
This notice addresses disputed late payments on my credit record that remain unresolved despite my written dispute submitted 30+ days ago. Your failure to respond or validate within the mandated timeframe violates federal credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fraudulent accounts and information have been added to my credit report through identity theft. I have filed police reports and identity theft documentation. Your continued reporting of these unauthorized items violates federal identity theft protection laws.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Fraudulent accounts and information have been added to my credit report through identity theft. I have filed police reports and identity theft documentation. Your continued reporting of these unauthorized items violates federal identity theft protection laws.

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 2024-10-31 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I've been banned by Navy Federal Credit Union. They refuse to investigate my claim despite evidence from the FBI. They refuse to help in any capacity and have confirmed, over the phone, that I have been banned from ever opening a checking account again. I have proven they sold debt in my name in bad faith. They sold debt, in my name, under false pretenses. I don't believe this is legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: LA

Complaint narrative:
XXXX, XXXX AND EQUIFAX HAS FAILED comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 U.S. Code 1681n.THIS IS A VIOLATION OF THE FOLLOWING FCRA LAWS FCRA Section 1681b- Restricts access to credit reports only to those with a PERMISSIBLE PURPOSE FCRA Section 1681i - Requires credit reporting agencies to investigate and correct disputed information within a reasonable time.

FCRA Sections 1681n and 1681o- Outline civil liabilities for willful and negligent noncompliance with the FCRA . 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have been in process of loss mitigation for 5 months. This process should not take this long. I was approved for a program by my previous servicer yet this servicer has claimed to not have all documents and now they are stalling the process and have started foreclosure on my property. I have submitted documents repetitively and it at this point making me XXXX  I am beyond stressed not knowing what is going on with this. I have been XXXX  twice due to the stress of this entire process. I have complied. I am requesting a complete audit of the underwriter, company and loan. I am being abused and my loan being railroaded. I also sent in a letter advising of all and it has not been addressed still. I have attached screen shots and all documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have had issues with my Venmo account for probably the past two months now thats the my account that I have my direct deposit go to. Im not able to access my funds normally like at all I cant make transfers. Theyve asked me for security of things that you know to verify my identity Ive given them everything possible. I have added my phone for a trusted device. Ive added multiple phone numbers. Ive added a bank account. Ive done everything. Theyve asked me to do and they are holding my money against me they wont let me close my account and they will not release my funds to me, they wont even let me talk to anybody. They wont release any information to me. They will not do anything to help me. Just want my funds. I have a family I need to support and I am not able to do that with him. I overdid my measures with them. Ive been calm. Ive been collected. Ive been relaxed, but now its getting out of hand now its just been too much and I just want this fixed and I want to be compensated for all this and time and this difficulties inconvenience that Im having because Ive done everything that theyve asked me to do but they will not do anything to help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-31 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: CA

Complaint narrative:
This CFPB complaint is filed to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax block and delete information on my credit report resulting from identity theft within four business days. This fraudulent information includes a XXXX  XXXX credit card account opened on XX/XX/XXXX ( Account Number : XXXX ), a XXXX  XXXX XXXX account opened on XX/XX/XXXX, and a charge-off account with XXXX XXXX  opened XXXX XX/XX/XXXX. Additionally, unauthorized inquiries appearing on my Equifax report include : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX I do not recognize these accounts, inquiries, or any related collections as reported by Equifax. Enclosed is the FTC Identity Theft Affidavit as evidence of these fraudulent items, and I request their immediate blocking and removal from my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Over the last several years I have requested Experian remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX in an effort to circumvent they list the address without the apartment number now as- XXXX XXXX XXXX XXXX XXXX ( No XXXX XXXX ) XXXX AZ XXXX. This is inaccurate has been for several years and I have contacted XXXX XXXX who has agreed to sign an affidavit I never lived in # XXXX because he has been there since 2009 with his girlfriend XXXX XXXX, public records included with this complaint also show this. They pushed back on XXXXXXXX XXXX XXXX XXXX XXXX AZ XXXX, which was my ex wifes place of residence. She was prepared to sign an affidavit as well.

Company response to consumer: Closed with explanation