vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please note that this is my SECOND WRITTEN REQUEST. I SEND THE FIRST LETTER [ XX/XX/XXXX ] I have been contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts?

You have not provider me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to inmediately DELETE all information that can not be verified. 


The following inquiries are not authorized : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian

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 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 



SOFI BANK, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus addresses. 


These are the accounts in my name that stems from the identity theft : XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX. ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer XXXX credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned accounts as reported, are unfamiliar to me. The Accounts listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX XXXX and A Police Report # XXXX XXXX XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: PA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX for inaccurately reporting my closed checking account to the credit bureaus. This account, which was closed due to an overdraft, has been incorrectly reported with a payment history, including multiple " charge-off '' entries. It is crucial to note that checking accounts are not extensions of credit and therefore do not, and should not, have payment histories associated with them. A copy of my credit report is provided. 

Details : Checking Account Date Opened : XX/XX/XXXX Balance Reported : {$460.00} Balance Updated : XX/XX/XXXX Credit Reported as : " CO '' ( Charge-Off ) for XXXX through XX/XX/XXXX Violations : This inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) : This provision mandates that furnishers of information to consumer reporting agencies report accurate information. Reporting a payment history on a checking accountan account type that inherently does not involve credit or paymentsis a clear violation of this requirement.

15 U.S.C. 1681n : Under this statute, I am entitled to statutory damages of {$1000.00} for willful noncompliance with the FCRA.

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 2024-08-16 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: PA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX for inaccurately reporting my closed checking account to the credit bureaus. This account, which was closed due to an overdraft, has been incorrectly reported with a payment history, including multiple " charge-off '' entries. It is crucial to note that checking accounts are not extensions of credit and therefore do not, and should not, have payment histories associated with them. A copy of my credit report is provided. 

Details : Checking Account Date Opened : XX/XX/XXXX Balance Reported : {$460.00} Balance Updated : XX/XX/XXXX Credit Reported as : " CO '' ( Charge-Off ) for XXXX through XX/XX/XXXX Violations : This inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) : This provision mandates that furnishers of information to consumer reporting agencies report accurate information. Reporting a payment history on a checking accountan account type that inherently does not involve credit or paymentsis a clear violation of this requirement. 

15 U.S.C. 1681n : Under this statute, I am entitled to statutory damages of {$1000.00} for willful noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: PA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX for inaccurately reporting my closed checking account to the credit bureaus. This account, which was closed due to an overdraft, has been incorrectly reported with a payment history, including multiple " charge-off '' entries. It is crucial to note that checking accounts are not extensions of credit and therefore do not, and should not, have payment histories associated with them. A copy of my credit report is provided. 

Details : Checking Account Date Opened : XX/XX/XXXX Balance Reported : {$460.00} Balance Updated : XX/XX/XXXX Credit Reported as : " CO '' ( Charge-Off ) for XXXX through XX/XX/XXXX Violations : This inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) : This provision mandates that furnishers of information to consumer reporting agencies report accurate information. Reporting a payment history on a checking accountan account type that inherently does not involve credit or paymentsis a clear violation of this requirement.

15 U.S.C. 1681n : Under this statute, I am entitled to statutory damages of {$1000.00} for willful noncompliance with the FCRA.

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 2024-08-16 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 confidentially under 15 U.S.C 1681 Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A I have a 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 1681 5-2 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Card enrolled me, without my knowledge, into a 'special rate ' promo for my credit card ending in XXXX. I noticed this on XX/XX/year> when I saw a line item for interest charged for XXXX of XXXX ( XX/XX/year> ). Looking back, I also saw another charge for XXXX with the same line description on ( XX/XX/year> ). After researching teh description online, Citi changed the APR rate for purchases to 9.99 % and started charging daily interest from the statement date until payment was made. This was not the language in my card holder agreement and Citi normally charges 24.17 % and interest only on if the balance is not paid in full AFTER the payment due date. 

I chatted with the support agent through Citi 's website initially who informed me of the promo rate and that I would have to call to 'verbally confirm ' that I want the offer removed. On first time calling, the Citi agent was unable to find the 'promo ', but she agreed to remove the XXXX charge. On the second call, the agent was able to find the promo and transferred me to a different department to assist removing it. The second person on that call refused to remove it and said it would auto expire on XX/XX/year>. I asked for proof that we had signed up for it, and they said 'it was through the automated system '. I had not signed up for this product, so I was confused as to why the automated system signed me up for it. I asked to have it removed as I did not agree to that, I was told by the agent who 'checked with her supervisor ' that since the automated system added it, it was unable to be removed. At that point I reiterated that I did not sign up for it, but the outcome and response was the same.

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
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
I had XXXX XXXXXXXX XXXX, XXXX which i did not use for a long time. Last week I looked into my XXXX credit reports and seen a late payment of {$6.00} which was from a XXXXXXXX XXXX XXXX  app. I never had purchased a XXXXXXXX XXXX with that card. The XXXX credit card Companies lowered my score XXXX points. I called XXXXXXXX XXXX XXXX and explained this to them. They told me to contact XXXXXXXX XXXX XXXX which i did. I told XXXXXXXX XXXX XXXX that it was not my purchase. They told me that they cant find that purchase so they can not remove the fraud purchase. I looked into my XXXX account and seen it there. I also talked with XXXX and they see this charge too. I filed a dispute with all XXXX credit bureaus. I have not received any help or answers. I am XXXX and can not do much. I can not get this dispute settled. I worked hard for my credit score and was near an XXXX score and now they deducted XXXX points from it for a {$6.00} fraud charge that i had no idea about. The charge was put on my card on XX/XX/scrub> 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There was only one closed auto loan with XXXX XXXX XXXX included but not all account number : XXXX balance {$0.00} opened : EXPERIENCE BETWEEN CONSUMER AND CREDITOR IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a. FACTUAL INFORMATION IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a. This is Defamation in the Libel. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. The inaccuracy is due to reporting PRIVATE CONSUMER TRANSACTIONS THAT REVEALS THE PRIVATE NATURE OF A TRUST BETWEEN THE CONSUMER AND THE CREDITOR AND VIOLATING 15 USC 1681a The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as Experian, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information. 

There was never a contract between the XXXX  XXXX XXXX ASSUMED NAME : XXXX XXXX XXXX and XXXX XXXX XXXX or any variations of or any titles or names derived thereof. There was never a consummation, no liens and no financing statements. See the attached Exhibits. XXXX XXXX XXXX EXPERIAN, XXXX, XXXX, XXXX XXXX has violated 15 USC 1681a ( exclusions ) and and other consumer data collecting agencies and/or companies ; are at fault for permitting improper data furnishing. The EXPERIENCE ( HISTORY ) BETWEEN CONSUMER and CREDITOR IS EXCLUDED from CONSUMER REPORTS. The CONSUMER REPORT is prescribed to reflect the full story and character of the natural person which is why it consists of INTERVIEWS of ones neighbors, associates & friends. When did you send me the details of these interviews, the names of who you spoke to?

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 2024-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CA

Complaint narrative:
Hello, I Disputed fraudulent inquiries with credit bureaus TransUnion And XXXX and attached all required forms for dispute, i received letter at home saying that they dont believe that dispute opened by me, i called multiple times and verified that the dispute were opened by me and they didnt remove it. Please request them to remove this fraudulent inquiries

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 2024-08-16 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: AZ

Complaint narrative:
I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXXXXXX

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 2024-08-16 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: NY

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2024-08-16 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX. 
Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief