vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
To Whom It May Concern, I am writing to demand the IMMEDIATE removal of unauthorized credit inquiries from my credit report. These inquiries include, but are not limited to, the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was compromised in a data breach, resulting in unauthorized inquiries made without my consent or knowledge. I have already filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), yet you continue to deny my valid dispute and fail to remove these inquiries. 

Let me be clear : your continued denial of my requests is a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ). These inquiries were made without permissible purpose, and your refusal to remove them is illegal. You are in violation of the following critical provisions of the FCRA : 1. 15 U.S.C. 1681b ( c ) - Permissible purposes for consumer reports. Unauthorized inquiries do not meet this standard and should have been removed immediately upon dispute.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Consumer reporting agencies must conduct a reasonable investigation of disputed information. Your failure to remove these inquiries after my dispute is a clear violation of this law.

3. 15 U.S.C. 1681n - Liability for willful noncompliance. Continuing to report these unauthorized inquiries is willful noncompliance, and you are now legally exposed to both civil penalties and damages. 

The fact that you have ignored my dispute and legal rights for so long is unacceptable. I am giving you one final notice to remove these unauthorized inquiries within 24 hours from the receipt of this letter. 

Failure to comply will result in the following immediate actions : I will escalate my complaint to both the CFPB and the FTC for noncompliance with federal regulations. 
I will pursue legal action for damages caused by the continued reporting of these unauthorized inquiries, including damages for the harm to my credit, as well as potential punitive damages for willful misconduct. 
I will take further legal action to hold you accountable under the provisions of the FCRA. 

This matter is no longer negotiable. You have already been afforded ample time to act, and I will no longer tolerate any further denials or delays. You must remove these inquiries immediately and provide written confirmation of their removal. 

Failure to comply within 24 hours will result in XXXX and severe legal and regulatory actions. I expect to see the immediate removal of these inquiries without any further obstruction or excuses. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I called Discover Bank on XX/XX/XXXX to dispute the information they were reporting on my credit file as it was incomplete and inaccurate. They show the account to be charged off but also show it to have a past-due balance. IT CAN '' T BE BOTH, either it is past due and the account is active or charged off and reflects a zero balance. I am disputing this with the credit bureaus as well but I tried to get it correct with Discover Bank but to no avail. This is a violation of the 15 USC 1681, which requires information being reported to the credit bureaus to be accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I already paid off this loan but still on my credit report and I want to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Porsche Financial Services, Inc.
State: IL

Complaint narrative:
Porsche Financial Services has incompetent management that reports you late and then hides errors. Even when your on time. XXXX XXXX admitted he would lie if we paid it off even though it was their mistake. We have recording for the regulator. Their payment management system always is failing but they take advantage of customers. We actually have Porsche XXXX admitting they did this and have them on recording. I will take severe legal action as they have same problem as XXXX. XXXX, XXXX, and XXXX steal from young military families. You cant let this happen. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding ongoing issues with your handling of my credit reports and personal information. Over the past XXXX years, I have repeatedly disputed inaccurate information on my credit file. Despite my numerous requests for proper investigations and proof of such investigations, the issues persist. Additionally, my personal and sensitive information, including my Social Security number, has been exposed in data breaches, further exacerbating my concerns about the accuracy and security of my information within your systems. 

I believe your companies are in violation of the Fair Credit Reporting Act ( FCRA ) due to the following : XXXX. Failure to Properly Investigate Disputes : I have disputed inaccuracies on my credit reports multiple times over the past XXXX years. Each time, I have requested documentation or proof of your investigations. To date, I have not received any satisfactory response or evidence that a proper investigation was conducted. 
XXXX. Failure to Maintain Accurate Reporting : Despite my disputes, the inaccurate information remains on my credit reports, negatively impacting my credit profile and financial standing. 
XXXX. Negligence in Safeguarding My Personal Information : My personal information, including my Social Security number, has been exposed in data breaches. This breach of security has caused significant distress and raises concerns about your ability to protect consumer data. 

These actions ( or lack thereof ) demonstrate non-compliance with your obligations under the FCRA, including your duty to investigate disputes thoroughly, report accurate information, and safeguard consumer data. 

I am requesting immediate corrective action as follows : XXXX. Conduct a thorough investigation into my disputes and provide me with detailed documentation of the process and findings. 
XXXX. Remove all inaccurate information from my credit reports immediately. 
XXXX. Provide written confirmation of the corrective actions taken. 
XXXX. Provide assurances and documentation of the measures you have implemented to safeguard my personal information from further breaches.

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 2025-01-06 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: FL

Complaint narrative:
The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX XXXX with account number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX XXXX with account number 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 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 explanation
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
This situation is completely unacceptable. Accounts in pending litigation are still appearing on my credit report, and its damaging my credit score every day. Ive reached out several times to correct this, but I havent seen any real progress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information on my credit report that was affected by the Equifax data breach. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of the following accounts from my credit report, as they may have been compromised due to the Equifax breach.

Please remove the following accounts from my credit report within four ( 4 ) business days, as required by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Equifax breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, which could have affected the aforementioned accounts. Under Section 605B of the FCRA, I am entitled to have this information removed from my credit report, and I request that you act in accordance with the law by deleting these entries within four ( 4 ) business days of receiving this letter.

Please confirm in writing that these entries have been removed from my credit report. If any additional documentation is required to process this request, kindly inform me as soon as possible.

Thank you for your prompt attention to this matter. I look forward to your swift response in compliance with the legal timeframe. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information on my credit report that was affected by the XXXX data breach. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of the following accounts from my credit report, as they may have been compromised due to the XXXX breach. 

Please remove the following accounts from my credit report within XXXX ( XXXX ) business days, as required by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, which could have affected the aforementioned accounts. Under Section 605B of the FCRA, I am entitled to have this information removed from my credit report, and I request that you act in accordance with the law by deleting these entries within four ( 4 ) business days of receiving this letter. 

Please confirm in writing that these entries have been removed from my credit report. If any additional documentation is required to process this request, kindly inform me as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your swift response in compliance with the legal timeframe. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

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 2025-01-06 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have {$170.00} and some change of debits from a company call XXXX XXXX. Each time this company attempts a charge to my account Chime send me a text message asking if it's me making the purchase because it looks suspicious. Each time My response was no and I would then receive a message from Chime saying no worries, no charges were processed. Even though Chime 's response was such, they continue to still allow the transactions, leading up to {$170.00} worth of charges. When I put in a dispute, I was denied a refund. I have disputed 4 times and each time the answer is " We found no error ''. I have submitted screenshots of our interactions with their fraud department during the transaction times and still the company is refusing to refund me for their negligence. I even tried to call XXXX Transcript o resolve this way but they are saying they have no account for me or record. 

I have attached all text messages between me and Chime on the dates of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
i have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( S ) open with this collection company REMOVE IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL... my police report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I recently learned that Navient settled millions of dollars for illegal practices and had to forgive the loans of affected borrowers. During this time, Navient did not notify me, and transferred my loan to XXXX. Before I make a payment to XXXX, I need to know if I was an affected borrower who is owed relief. Please let me know because Navient is no longer reachable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: SC

Complaint narrative:
I am requesting an immediate investigation and correction of inaccurate information on my credit report. The inaccuracies involve late payments from XXXX, XXXX XXXX, and other accounts that are being incorrectly reported. I specifically ask that these entries be updated to show " paid as agreed/never late. '' Additionally, I am disputing debts listed by XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of these debts, including the original contracts or instruments bearing my signature, as required by 15 U.S. Code 1692g.

I also request the deletion of unauthorized hard inquiries, such as the one from XXXX, which were made without my consent, as outlined under 15 U.S. Code 1681b ( a ) ( 2 ). 

Regarding my personal information, there are incorrect addresses listed on my report, and I request these be corrected. 

As per the Fair Credit Reporting Act ( FCRA ), you are legally obligated to investigate and correct inaccuracies within 30 days of receiving this notice, as stated in 15 U.S.C. 1681i. Failure to do so could result in liability under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance. I expect a thorough investigation and a written confirmation of the findings, including an updated credit report. 

If this matter is not resolved within the required timeframe, I will not hesitate to escalate the issue through formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursue legal action.

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