vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: SC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: IA

Complaint narrative:
On Monday XX/XX/XXXX, my account was mysteriously restricted by SoFi after I received a loan from my job to pay off my rent. They never gave a clear reason why they restricted my account they just did it. XXXX, the next day via email, They lifted my restrictions and told me that there was an error on their end and they apologized. Maybe 4-5 hours after they restricted it AGAIN and still havent told me why. But theyre closing my account. I have hard earned money saved in that account and have lots of bills that are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
I recently reviewed my consumer credit report and noticed I had fraudulent accounts on my report. Please remove these accounts, they are hurting my ability to obtain credit. Thank you.

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 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Apelles, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX, XXXX **Apelles, LLC** XXXX XXXX XXXX XXXX, OH XXXX Subject : Dispute of Debt and Request for Verification - Account # XXXX To Whom It May Concern, I am writing in response to the notice dated XX/XX/year>, regarding the alleged debt associated with the account number XXXX. I dispute the validity of this debt and request that Apelles , LLC provide the following documentation to verify the debt : 1. **Proof that the debt is valid** and that I owe this amount. This includes : - A copy of the original signed contract or agreement that I allegedly entered into with XXXX XXXX XXXX XXXX. 
- A complete account history detailing how the amount of {$640.00} was calculated. 

2. **Proof of payment of $ XXXX towards this debt, as referenced in the letter. I do not recall making this payment, and I demand documentation or a detailed transaction history to verify this claim. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically **15 U.S.C. 1692g ( b ) **, you are required to cease all collection activities until the debt is properly validated. If you are unable to provide the requested documentation within 30 days, I demand that you immediately cease and desist all collection efforts related to this account. 

Furthermore, under **15 U.S.C. 1692c ( c ) **, I hereby request that you cease any further communication with me regarding this debt, unless it involves providing the requested proof or notification that you are terminating collection efforts. 

Please provide the requested documentation to my address listed above. Failure to comply with this request within the specified time frame will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: OK

Complaint narrative:
I am reaching out for your help regarding an incorrect account shown on my credit report. This has been detrimental to my reputation, and I require your assistance. The bureau must update the records and remove the inaccurate information to prevent further damage to my credit profile.

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 2024-08-07 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: CA

Complaint narrative:
I am writing to formally request the removal of unauthorized inquiries on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) due to identity theft. I have discovered several inquiries on my credit report that were made without my authorization, and I believe these inquiries were a result of identity theft. 

The specific details of the unauthorized inquiries are as follows : 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 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 Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), victims of identity theft can request that credit reporting agencies block information resulting from identity theft. This section of the FCRA mandates that consumer reporting agencies must block the reporting of any information in a consumers file that the consumer identifies as information that resulted from an alleged identity theft. Furthermore, Section 611 ( 15 U.S. Code 1681i ) of the FCRA provides the right to dispute inaccurate information on credit reports. Under this provision, credit reporting agencies are required to investigate and correct any inaccuracies found in a consumer 's credit report.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My previously submitted complaint file numbers with Experian are : XXXX and the one before that is : XXXX from my last complaints. Experian seems to be ignoring their obligation to adhere to LAW by not reporting correctly and responsibly. This is the last time I will submit a complaint here. If this is not fixed asap, I will sue them in XXXX XXXX XXXX. They have not repaired previous complaints nor tried to report accurately and therefore, seriously do not understand their grave responsibility to report permitted information with MY WRITTEN CONSENT per 15 USC 1681 section 604!

I want the accounts updated/fixed immediately to reflect a proper credit score which is being affected by this ridiculous Identity Theft, securities fraud, or otherwise! I want a full audit by the CFPB as well! There has never been ANY CONSENT NOR PERMISSION to post the year of birth either! Experian also does not reflect the accounts that are the oldest. 

XXXX XXXX XXXX  " XXXX  '' is paid in full and not late at all!!! It must reflect that asap. I also want the credit limit to reflect accurately! Account number is XXXXXXXX XXXX XXXX 

XXXX is also paid in full which I will add all the proof onto this complaint. The Account number is : XXXX. This must be an account that reflects " paid in full '' and " never late. '' I expect to see this asap as well! 

And finally, a bankruptcy was complained about in previous complaints and never removed. Remove it now!!! Experian does NOT have MY CONSENT to put this onto their reporting for my credit report. 

Per the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian is a consumer reporting agency and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Finally I am stating it here to have proof that I AM NOW opting out of your reporting services per 12 CFR 1016.7 Experian do not report any other information about me without my consent of which I expect to receive a LETTER IN THE MAIL with future requests of what I allow to report!

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 2024-08-07 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: MD

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: IL

Complaint narrative:
I have received a copy of my credit report and have noticed several inaccuracies of accounts that do not belong to me. 
These accounts include collections, late payments that I was never late paying, and a public record that is inaccurately reporting which I have disputed before where I shared the letter I received from my local court that does not furnish this information to the credit bureaus and they a reporting these items without my consent or knowledge without any proof of VALIDATION of any of these items. 
I have included the letter which I have written to Experian on XX/XX/2024 along with the certified mail receipt.

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 2024-08-07 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: RFNA, LP
State: GA

Complaint narrative:
Dear Republic Finance, This letter is a formal notice to cease any and all unauthorized hard inquiries into my credit report and a formal request that you remove from my credit file the inquiry dated XX/XX/year>. To my knowledge I did not give written permission to have my credit pulled. I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ). Furthermore, I did not get a loan from Republic Finance and do not plan to get a loan from Republic Finance. 
Please contact the institution and credit bureaus, where your organization has made inquiries into my credit history, to have your inquiries removed. 
Finally, since you do not possess written inquiry authorization, I request that, after removing your inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
If there is another company that I must contact in order to have them removed, please feel free to inform me. Thank you! 
Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I ordered an item from Nordstroms a merchant online in XX/XX/2024 that was suppose to be delivered to my home address. When I was later notified it was delivered when I was not home I could not find the package. I then contacted the merchant about the problem and they did an investigation. I was then emailed that since it was delivered to the right address regardless of whether I was home that they are not responsible for a lost or missing package and would not provide a refund or replacement. 
I then contacted Nordstrom credit card services and filed a dispute as a billing error since the package was missing. After 30 days I received a letter stating that my dispute was denied and I am still responsible for the bill ( {$270.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My issue is with XXXX, TransUnion and XXXX consistently reporting false and misleading information on my credit files, with each showing different accounts with numerous errors. 

Simply stated, EACH of these 3 are reporting accounts showing charge offs, accounts showing as late and account balances owed, which can not be accurate. Each of these reporting agencies keeps verifying false information and continues to report things that logically can not be accurate. 

First XXXX, is reporting that a XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX  accounts are all charged off, late and I have a balance owed to the original creditors. An account can not be both charged off and have a balance owed legally and they know it. This information is misleading, false and needs to be corrected both in the time line posted month by month, as well as the overall data, which shows multiple mistakes, as none of the above accounts are even currently owned by these banks. Each shows a charge of month after month with a balance owed and a late amount as well as a credit line and a balance XXXX, Transunion is doing the exact same thing with accounts for XXXX, XXXX, XXXX and XXXX. Each shows a charge of month after month with a balance owed and a late amount as well as a credit line and a balance. This logically can not be accurate reporting, as an account can not have a credit line, a balance and a late amount, if it was in fact charged off and is owned by some other company, as they are claiming. 

XXXX is also doing the same thing, with XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX  accounts are all charged off, late and I have a balance owed to the original creditors, which can not legally or logically be accurate. 

I am unsure how these credit reporting agencies even go through the correct process, knowing this information not only can not be accurate, but is clearly false. You do not need an accounting degree to understand debt ownership claims and these companies know these credit card companies report selling off debt ever day. How are they allowed to report such misleading 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 non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My issue is with Experian, XXXX and XXXX consistently reporting false and misleading information on my credit files, with each showing different accounts with numerous errors. 

Simply stated, EACH of these 3 are reporting accounts showing charge offs, accounts showing as late and account balances owed, which can not be accurate. Each of these reporting agencies keeps verifying false information and continues to report things that logically can not be accurate. 

First Experian, is reporting that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  accounts are all charged off, late and I have a balance owed to the original creditors. An account can not be both charged off and have a balance owed legally and they know it. This information is misleading, false and needs to be corrected both in the time line posted month by month, as well as the overall data, which shows multiple mistakes, as none of the above accounts are even currently owned by these banks. Each shows a charge of month after month with a balance owed and a late amount as well as a credit line and a balance XXXX, XXXX is doing the exact same thing with accounts for XXXX, XXXX, XXXX and XXXX. Each shows a charge of month after month with a balance owed and a late amount as well as a credit line and a balance. This logically can not be accurate reporting, as an account can not have a credit line, a balance and a late amount, if it was in fact charged off and is owned by some other company, as they are claiming. 

XXXX is also doing the same thing, with XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX  accounts are all charged off, late and I have a balance owed to the original creditors, which can not legally or logically be accurate. 

I am unsure how these credit reporting agencies even go through the correct process, knowing this information not only can not be accurate, but is clearly false. You do not need an accounting degree to understand debt ownership claims and these companies know these credit card companies report selling off debt ever day. How are they allowed to report such misleading 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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: LA

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. In spite of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with a typical life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening quickly. I compassionately demand that you lead a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the precision and uprightness of my credit document so I might recapture command over my monetary prosperity. I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the ongoing issues I have encountered with the credit bureaus, specifically XXXX and TransUnion. Despite submitting my disputes with complete and accurate ID verification as instructed, I have repeatedly received letters from both bureaus stating that my dispute letters do not appear to be sent by me or authorized by me, and therefore they refuse to investigate my claims. 

This refusal to open my disputes is not only frustrating but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers have the right to dispute inaccurate or incomplete information in their credit reports, and credit reporting agencies are required to investigate these disputes. The actions of XXXX and TransUnion in refusing to open my disputes despite proper verification obstruct my ability to correct inaccuracies on my credit report.

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 2024-08-07 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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