vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX claims my account was closed due to inactivity however there is a XXXX balance on this account, I never charged anything or agreed to a fee of any kind, they do not charge interest, so this company decided to charge me when I canceled the card that had no contract or cancellation fee. 
Thanks and kind regards

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 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Viking Client Services
State: FL

Complaint narrative:
On XX/XX/year>, I was driving a XXXX rental car on XXXX XXXX in XXXX XXXX, and was rear-ended in a traffic accident. XXXX XXXX XXXX responded and provided a report of the incident which I forwarded to XXXX. XXXX was paid the damage to their vehicle by the individual responsible for the crash by their XXXX XXXX coverage. However, XXXX informed XXXX they would not be paying for the various fees charged by XXXX which were loss of use fee, diminished value fee, administrative fee, etc. XXXX then sent me a claim letter to pay these fees in the amount of {$920.00}. I called my insurance company, XXXX, and asked them to cover this claim as I have full coverage and additional rental coverage with XXXX. They said they would contact XXXX regarding this. XXXX then referred this matter to a collections agency who sent me a demand letter for {$920.00}. XXXX insurance told me that they do not cover the fees XXXX is charging and that I could try and negotiate a lower amount. The collections agency told me I signed the rental contract which has a regardless of fault clause. Very troubled that they are using damaging my credit as leverage to XXXX these randoms fee from me, rather than go after the person who is known to be at fault who caused the accident. Also very disappointed that my insurance company will not pay this claim when I have been a customer for XXXX years without ever having a claim from an accident, and they and/or XXXX could get money owed from the person responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: OH

Complaint narrative:
I am writing to file a formal complaint to EQUIFAX regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the EQUIFAX will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
My SoFi account has been restricted since XX/XX/year>. I opened this account after my husband closed my previous bank accounts, leaving me without access to my own funds. After opening the new account, a friend sent me money, but SoFi later informed me this action wasnt allowed - something I was unaware of at the time. 

Since the restriction, I have called and emailed SoFi Bank multiple times to resolve this issue. Each time, I am told to call again or wait without any clear answers, and they repeatedly state they can not give me a time frame for resolution. The latest update was that they would send me an email, yet they provided no timeline on when I might receive it. 

This ongoing lack of response and accountability is unacceptable. Ive seen similar complaints from other customers online, which raises concerns about the reliability of this company. SoFis handling of my account restriction has caused significant inconvenience, and I am seeking assistance to resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because the credit reporting agency ( or reporting company ) did not fulfill my request for verification under 15 U.S.C. 1681i ( a ) ( 5 ), which requires the credit bureau to provide documentation confirming compliance with securitization and proper transfer protocols for a debt. Specifically, I requested that they verify the proper transfer and securitization documentation for the account in question, but instead, the only action taken was a general verification of the account information.

The response I received failed to provide the specific documentation related to the transfer of the debt and compliance with securitization protocols. This failure to provide the requested documents constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies investigate and provide adequate proof of compliance when requested. 

I disputed the account XXXX XXXX XXXX on the grounds that I needed verification of the debts compliance with proper transfer protocols, as required by law. I explicitly asked for documentation showing the proper chain of title, transfer, and compliance with securitization. However, the response I received only confirmed that the account information was accurate without addressing my specific request for such documentation. 

This lack of thorough investigation and failure to provide the requested documents is in direct violation of the Fair Credit Reporting Act ( FCRA ), which ensures that consumers are provided with accurate and complete information regarding the debts reported on their credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
EQUIFAX HAS REMOVED ACCOUNTS THAT THE WERE PREVIOUSLY REPORTING WHICH HAS HURT MY CREDIT SCORE. AS A CONSUMER I HAVE TO A RIGHT TO REPORT ACCOUNTS WHICH I DEMONSTRATED POSITIVE HISTORY ON. I SHOWS MY TRU WORTHYNESS. THESE ACCOUNTS ARE LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IT IS MY RIGHT TO HAVE THESE ACCOUNTS REPORTED ACCURATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-11-14 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: TX

Complaint narrative:
My personal information was stolen in XXXX, since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Security Credit Services, LLC
State: MN

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complaint Summary : I am filing this complaint to report multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) by Security Credit Services , LLC. The company has engaged in misleading and coercive practices in its attempts to collect an alleged debt. I am seeking assistance from the CFPB to address these violations and to protect consumers from similar misconduct. 

Details of Violations 1. Misrepresentation of Legal Status and Threat of Default Judgment FDCPA Violations : 15 U.S.C. XXXX ( XXXX ) ( A ), XXXX ( XXXX ) Description : On XX/XX/year>, Security Credit Services , LLC sent me a letter falsely representing the legal status of the alleged debt by implying an immediate threat of default judgment. The letter claimed that failure to respond within 14 days would result in a default judgment, even though no active court filing exists and the letter itself stated that the court had no record of the lawsuit. This was an attempt to coerce a response under a fictitious threat of legal action. 

XXXX. Use of Deceptive and Coercive Language FDCPA Violation : 15 U.S.C. XXXX ( XXXX ) Description : The communication uses ambiguous language suggesting that I am in default without clarifying my legal standing or the status of the alleged debt. This language was designed to create a false sense of urgency and pressure me into paying the debt. Security Credit Services , LLC used deceptive language to make it appear that immediate action was required, causing undue stress and confusion. 

XXXX. Use of Simulated Court Documents to Mislead and Intimidate FDCPA Violation : 15 U.S.C. XXXX ( XXXX ) Description : The structure and format of the documents sent by Security Credit Services , LLC closely resemble actual court complaints, despite no active legal action. By simulating a court document, the company attempted to intimidate and mislead me into believing that a lawsuit had been initiated. This tactic is deceptive, coercive, and a clear violation of the FDCPA, as it gives the impression of judicial authority where none exists. 

XXXX. Unfair and Abusive Collection Tactics FDCPA Violation : 15 U.S.C. XXXX Description : The company used unfair and abusive language in its communications, suggesting that I would lose my rights to contest the debt without immediate action. This coercive tactic goes against the FDCPAs prohibition of unfair and abusive practices, as it was intended to manipulate and pressure me into payment without proper recourse or understanding of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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 kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, and the following inquiries on my credit report were not authorized by me. I request that these fraudulent inquiries be immediately removed from my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX, which mandates the removal of fraudulent information. 

The inquiries in question are as follows : XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX, 2024 XXXX XXXX XXXX, 2024 XXXX XXXX, XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024 These inquiries were made without my permission, and their presence is causing harm to my credit. Please investigate and remove these inquiries immediately.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, and the following inquiries on my credit report were not authorized by me. I request that these fraudulent inquiries be immediately removed from my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX, which mandates the removal of fraudulent information. 

The inquiries in question are as follows : XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX, 2024 XXXX XXXX XXXX, 2024 XXXX XXXX, XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024 These inquiries were made without my permission, and their presence is causing harm to my credit. Please investigate and remove these inquiries immediately.

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