vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
My Sofi account has been frozen multiple times with no reason given zero explanation so I stop using Sofi national Bank completely. I just recently received an email indicating a {$440.00} payment was deposited to that account after six months of not using this checking account. I noticed again its locked and I can not gain access to anything after calling repeatedly. I told account executive to close my account. She said they were closing my account But not today. Which makes absolutely no sense. I want my funds to release. I want the account closed completely Im being told theyre closing the account but yet the account is not closed. This company is frozen my account with no apologies in the past with XXXX XXXX dollars frozen unable to pay my employees at the beginning of my business., unable to pay my mortgage, unable to pay insurance electric and now they cant even close an account properly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am demanding immediate action regarding fraudulent accounts that have been wrongfully placed on my credit report, directly resulting from the compromise of my personal information in the XXXX data breach. These accounts were opened in my name without my knowledge or consent, and the resulting damage to my credit is unacceptable. These accounts include : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is a case of clear identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. Federal law mandates that you remove and block this fraudulent information from my credit report within four ( 4 ) business days. You are also legally required to halt all collection activity related to these accounts immediately. Your failure to protect consumer data during the XXXX breach is directly responsible for this situation. This is not just fraudit 's a direct result of your negligence. You are fully responsible for resolving it. Failure to do so will result in aggressive escalation through every legal and regulatory channel available. This is your final warning. I expect written confirmation that : The fraudulent accounts have been removed and blocked from my credit report. All collection activities related to these accounts have ceased. Do not delay. Act now. This matter must be resolved 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 2025-03-31 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: VA

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.

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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
Im reaching out to request that you thoroughly verify and certify that all the data associated with this account is indeed mine. I need confirmation that every detail on this account is accurate and belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So theres a day trader on XXXX who offered a free class on his technique day trade. In order to get this class I had to download an app called XXXX. Once I downloaded the app, I was unable to open the class or even find the class that was being offered. After being unable to navigate the app I gave up and forgot about it. Little did I know they charge {$99.00} per month. This started back in XXXX and went all the way through XXXX. I was charged each month for a total of {$500.00} once I saw the charge on my bank account. I had to investigate what XXXX even was. I contacted. The customer service told him that I never use the app and asked for a refund. They told me that my funds were nonrefundable. Then I went to my bank and disputed the charge after investigation through Chase. They decided that there was nothing that they could do to help me. So after Chase, I went back to XXXX and tried to dispute or reopen my case and they suspended me indefinitely for trying to dispute my charge after that happen I went back to my bank, asking if they could hopefully reopen my case and reconsider their decision. They told me since the case is closer theres nothing that they can do to help me so Im out {$500.00} for an app that I never even used. I understand that its my fault for signing up in the first place and my fault for not being on top of my finances and realizing that I was being charged until months later, but despite that it still feels unfair, Im being charged for something that Ive never even used or got any benefit from

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA

Complaint narrative:
I sent my mortgage payment to XXXX mitigations through Citizens Bank and they never got the digital payment we sent through XXXX XXXX a barcode scan at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
{$8300.00} - NCB Management Services, XXXX, PA XXXX - -Contacted XX/XX/year> when i discovered the collections on my report. I requested legal and binding documentation of the agreement to pay as well as requested that the charges be removed due to no wet signature or knowledge of the reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I am submitting a follow-up complaint against LVNV Funding/Resurgent XXXX XXXX due to their continued violation of federal consumer protection laws, despite a prior CFPB complaint filed on XX/XX/year>. The company has not provided adequate documentation to validate the alleged debt yet continues to report this unverifiable debt to credit reporting agencies, which constitutes a violation of several provisions of federal law. 

Violations and Issues : Failure to Provide Adequate Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), upon request, a debt collector must cease collection of a debt until they provide sufficient validation. The statement provided by LVNV in their prior response does not satisfy this requirement. It lacks : A breakdown of the amount being claimed ( principal, interest, fees ).

A full itemized accounting.

Chain of custody or proof of assignment from the original creditor, which is necessary to establish their legal right to collect the debt.

Furnishing Inaccurate Credit Information By continuing to report an invalid and unverified debt to the credit bureaus, LVNV is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ), which prohibits furnishing information that is known or should be known to be inaccurate.

Misrepresentation and Deceptive Practices LVNVs previous response included letters allegedly sent to an address where I did not reside at the time. This suggests either : Fabrication of communication.

Failure to reasonably verify address information.

This may constitute a violation of 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of any debt.

Continued Collection Efforts Without Validation Continuing to attempt collection or report to the credit bureaus without properly validating the debt violates the FDCPA, including but not limited to : 15 U.S. Code 1692g ( b ) ( collection without validation ), 15 U.S. Code 1692e ( 8 ) ( communicating false credit information ), 15 U.S. Code 1692f ( unfair or unconscionable means to collect or attempt to collect any debt ).

Harm Caused : Emotional distress and mental anguish.

Negative impact to my credit score, inhibiting my ability to obtain credit or favorable terms. 

Time and expense incurred to defend against an invalid and improperly handled collection effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Nelnet, Inc.
State: WI

Complaint narrative:
I am filling a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this with the creditor but the late payment remains without proper validation or documentation. In accordance with the fair credit reporting act convergent account has violated many rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a repayment on a credit card account under an open end consumer credit plan as late for any purpose. Under 15 USC 1681 s 2 A furnitures must report accurate information under 15 USC 1681 I the credit bureau must perform a reasonable investigation within 30 days. I have not been provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This account has been charged off and sold to XXXX XXXX and XXXX Outsouring a dept collector under 15USC 1692 ( g ) and 15USC1692c ( c ) as well as 15USC 6802 and 15USC6801 THIS ACCOUNT MUST XXXX REMOVED FROM MY PROFILE Status CLOSED and charged off XX/XX/year> placed back on my profile XX/XX/year> this account has been sold over and over and over again how could it belong to me according to ALL closed and written off account I MUST RECIEVE A 1066 and I have not THIS ACCOUNT MUST BE REMOVED FROM MY 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 2025-03-31 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: IN

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-31 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: F5 Mortgage LLC
State: TX

Complaint narrative:
On XX/XX/scrub> 2025 I received a call from F5 mortgage offering their services, upon asking the representative how they got my information they mentioned they received it through the XXXX, I have never agreed on them selling my information to third party companies. At the time of the call, I requested the representative to remove me from any calling list and their records. Today, XX/XX/scrub> 2025 I received another phone call from F5 mortgage once again, the interaction was similar.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Marauder Corporation
State: OH

Complaint narrative:
This company XXXX Nationwide Capital Services ) is violating my rights with inaccurate information, and they have not provided me with accurate validation, yet they have placed a collection account on my consumer credit report information UNDER 12CFR 1006.34 ( b ) ( 5 ) yet ( NCB ) is violating my rights and I'm entitled to { {$1000.00} } for each violation I have listed, that can pay me { {$1000.00} } or DELETE this inaccurate account.

Company response to consumer: Untimely response