vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: TN

Complaint narrative:
I am writing to formally request the removal ( blocking ) of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts or information on my credit report are not mine and were opened or reported fraudulently : XXXX XXXX XXXX number XXXX : [ fraudulent amount {$49000.00} ) ] Date of Activity : [ XXXX ] As required under Section 605B of the FCRA, you are obligated to block this fraudulent information from my credit report within four business days of receiving this request and supporting documentation. Please also notify the furnishers of the fraudulent information so they can take appropriate action. 

I further request that you send me written confirmation once the information has been blocked from my credit report. If you require additional information, please contact me at [ XXXX or XXXX ]. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian 's handling of inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, Experian is required to conduct a reasonable investigation when a consumer disputes the accuracy of information. Unfortunately, Experian has failed to adhere to these guidelines in my case.

I submitted a dispute regarding inaccurate information on my credit report, but Experian : Did not conduct a thorough and reasonable investigation of the disputed information. 
Did not properly verify the accuracy of the information with the furnisher or provide sufficient evidence supporting its continued inclusion in my report. 
Failed to remove or correct the inaccurate and unverifiable information within the required 30-day timeframe, as mandated by law.

This lack of compliance has caused harm to my creditworthiness and financial opportunities. I am requesting that Experian immediately delete the disputed inaccurate information from my credit report. If Experian can not verify the information with complete and accurate documentation, the information must be removed in accordance with the FCRA. 

I expect a prompt resolution to this matter. Please confirm the removal of the inaccurate information or provide me with documentation of the investigation process. If Experian continues to fail in meeting its legal obligations, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek further legal remedies.

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 2025-01-11 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: MoneyLion Inc.
State: IL

Complaint narrative:
I am writing regarding the debt listed under your name for Money Lion Inc for {$260.00} which I am not liable for. Under 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit information. Reporting this debt as mine constitutes a violation of my rights under the FCRA. I formally request the immediate removal of this negative and derogatory account from all credit bureaus. This inaccurate information is unfairly damaging my credit profile, and I expect your prompt action to correct this matter. Please provide written confirmation that this account has been removed. Should you require additional information or documentation, feel free to contact me directly. Thank you for your immediate attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NC

Complaint narrative:
There is information that on my consumer report that is a result of identity thett I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I was charged {$100.00} for a year 's subscription to a service called XXXX, which I did not sign up for. I filed a dispute with PayPal Credit/Synchrony Bank on XX/XX/XXXX. They replied on XX/XX/XXXX that I authorized the use of PayPal credit for the charge when I did not. I contacted them again on XX/XX/XXXX, and they stated that XXXX said I converted a trial membership, which I did not. 

PayPal email is 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 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I was trying to open an account with SoFI bank. I got through the whole application process, but at the end they requested a second verification of my phone number. This verification was through XXXX, which they failed to mention, leading to multiple verification requests to the wrong phone number. 

When I finally learned that this was through XXXX, I updated the phone number on that account. After the updated phone number, I continuously received a message stating " You have submitted too many requests ''. So after hours of contact with support, I am left with nothing but a complete waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In XX/XX/year> I applied for an American Express XXXX XXXX credit card based on an offer via my phone. The promotion stated that with a spend of {$5000.00} within 6 months and a {$250.00} annual fee I would receive XXXX XXXX XXXX points. After a few months, after I had satisfied the {$5000.00} requirement, I called American Express and inquired why I had not received the stated promotion of XXXX points. ( I had already been assessed the annual fee on XX/XX/year> ). At this time, I was informed that because I had a XXXX XXXX credit card, that I was not eligible for this promotion. When I protested that this ineligibility was never documented or mentioned by American Express, the customer service agent mentioned a pop up should of appeared on the screen indicating I was not eligible. I assured her this never happen. We then filed a case for further review of this matter and again after receiving no communication from American Express, I called again to get a status. I was informed that they would not honor the promotion. I then requested a return of the annual fee and I would close the account. Again, customer service had no authority to do this except such requests have to be made with 30 days of opening the account. Of course this was impossible to adhere to since I had no knowledge that they would not honor the promotion until about a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
These items on my Experian are paid and should be removed from report and actively showing as an account. ( XXXX XXXX, XXXX XXXX XXXX XXXX ) Under the Fair Credit Reporting Act ( FCRA ), items that have been paid off or are no longer accurate should be removed from your credit report to ensure its accuracy. The specific sections of the FCRA that support this are : Section 609 ( a ) ( 1 ) : Grants you the right to request verification of any item on your credit report. If the creditor can not verify the debt, it must be removed.

Section 611 ( a ) : Requires credit reporting agencies to remove inaccurate, incomplete, or unverifiable information after conducting a reasonable investigation.

Section 623 ( a ) ( 1 ) ( A ) : States that data furnishers ( like creditors ) must not provide information they know, or have reasonable cause to believe, is inaccurate. 

If the debt is paid and reported incorrectly ( e.g., still showing as unpaid ), you can dispute the item for removal or correction using these provisions.

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 2025-01-11 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information on my credit report. The following inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) : Improper Investigations : The information in question appears to have been verified using unreliable, improbable, or illogical methods. 
Ambiguous and Incorrect Data : When I previously disputed this information, the responses provided were confusing, ambiguous, and inconsistent. 
Reinsertion of Inaccurate Data : The same inaccurate information has been reinserted into my credit report without proper notification, violating FCRA guidelines. 
I kindly request the following : Remove all the inaccurate information permanently from my credit report. 
Provide a written explanation of the investigation conducted to verify the disputed item. 
Ensure compliance with FCRA regulations to prevent future reinsertion of inaccurate 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : Spring Oaks Capital LLC Date of Inquiry : XX/XX/year> Amount : {$840.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the 30-day period required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive been asking for an update for my score for years and yet they will not change my score after all of the identity theft items are gone and theres only XXXX card on my credit and my score is still XXXX its disgusting my score will not change and its stopping me from getting approved for anything

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : Spring Oaks Capital LLC Date of Inquiry : XX/XX/year> Amount : {$970.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the XXXX period required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ARVEST BANK GROUP, INC.
State: IL

Complaint narrative:
We are behind in by a payment ( for XXXX ) and I attempted to pay towards the payment but was told that I could not make a partial payment. The payment we are behind on is over {$3500.00} due to escrow and late charges. I called the company on XX/XX/XXXX to make a partial payment, which they would not accept and instead I had to make the full payment or keep getting charged late charges. I asked for the paperwork to either defer or pay off the missed payment over XXXX months to be sent to my email and did not receive the email. I was supposed to receive an email by the next day ( XX/XX/XXXX ). I would prefer to defer the payment until the end of the loan. We missed a payment because of my husbands medical issues and that I lost my job. I am back to being employed. We are incurring late fees while we wait to see what to do next. This would not be the first deferment that we've requested this year, but we are actively trying to pay the missed payment and they will not accept anything other than the full amount nor will they accept the next month payment without the missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
CKS Prime On XX/XX/year>, I sent a Priority Mail letter to CKS Prime regarding an alleged collection account they had listed on my credit reports.

I requested validation under the FCRA/FDPA along with corresponding local state laws. Validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
Since it has been more than 30 days since I sent my letter to them without a response, I am demanding that they permanently remove any/all negative information from my credit report as they are in violation of FCRA/FDPA 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 2025-01-11 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: NJ

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was an Online account opened in Wells Fargo Bank with out My Consent.. did money Transfer between other people and in XXXX 

Wells Fargo is already aware as Im just leaving th branch. 

Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im part of the XXXX data breach along with many millions of others, I did get a small check recently, when I learned I was affected, it was right after it was announced, XXXX didn't report anything lost.. I had some credit card debt and huge APR loan appear I believe due to data breach, my main email and SSN was stolen. Also my credit report is blank but when I see the score and items listed anywhere else, it's a mess.. I'm including screenshots I tried to last time and they would not upload and without those its hard to understand why. This is the from the first complaint I didn't have documents, they wouldn't upload. 
ref # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX and XXXX refunds were processed by XXXX XXXX to my debit card from Wells Fargo that ends in XXXX, I have attached the proof, the funds were NOT returned to XXXX and they have informed me Wells Fargo has the money. 
I contacted XXXX and XXXX verified the debit card ending in XXXX comes back to my name through Wells Fargo/issued by Wells Fargo XXXX 
I need a XXXX or supervisor to look into my complaint because I have submitted multiple complaints and none of the XXXX office representatives have helped me at all, I am also requesting ( again ) ALL DOCUMENTATION USED IN THE INVESTIGATION TO FIND THE FUNDS AND PROOF THE TRACE NUMBER DOES NOT SHOW THE FUNDS GOING TO WELLS FARGO. 

I have requested the documentation and proof numerous times and nobody has ever provided me anything, this has been an extremely negligent handling of my complaint and search for the money.

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 monetary relief