vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received my credit report and noticed some in accuracies on it. My profile was recently in a data breach. I need these collections account removed under 15.U.S.C.1692C.

I demand the following accounts be verified or removed immediately. 

XXXX & CO ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ECR ACCOUNT NUMBER : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anymore paying for your reporting services could fax, mall or email in a fraudulent account. 
I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
DID NOT GIVE THIS PERMISSION TO POST THIS ON MY 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 2025-03-29 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX OH XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Deleted Account from Credit Report Dear Transunion XXXX XXXX, XXXX I am writing to formally notify you regarding the recent deletion of a charge-off account originally reported by XXXX XXXX bank from XXXX XXXX credit report. My name is XXXX, and the account in question had a balance of {$250.00}. Following my dispute, XXXX completed their investigation on XX/XX/XXXX, and subsequently deleted the account from my XXXX report. 

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate information on my credit report, and this includes accounts that can not be verified. Since XXXX has deemed this account unverifiable and has removed it entirely from their reporting, I am requesting that you take similar action with regard to your records. 

The FCRA mandates that if an item is determined to be unverifiable, it must be removed from the credit report. Specifically, under Section 611 ( a ), you are required to conduct a reasonable investigation and, if you can not verify the information, you must delete it from my credit report. I expect that you will comply with this requirement and remove the unverifiable debt from my credit report within XXXX  days of this notice.

Failure to remove this account within the specified time frame will leave me with no choice but to consider further action. As a consumer, I have the right to take legal action under the FCRA, including but not limited to seeking damages for violations of my rights as outlined in Section 616.

Please consider this letter a formal request for the immediate removal of the unverifiable account from my credit report. I expect a written confirmation of the removal within XXXX  days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: OK

Complaint narrative:
I am requesting the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 611 ( a ) ( 7 ), I have the right to submit a dispute statement, which must be included in my file if the inaccuracies remain uncorrected. I am prepared to exercise this right if needed.

Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from reporting inaccurate information they know or should know is wrong. It is clear that this standard has not been upheld in my case. Additionally, Section 623 ( a ) ( 4 ) requires furnishers to notify the credit agency of any dispute initiated by me. I expect this to be done immediately.

Finally, Section 611 ( a ) ( 6 ) mandates a written notice detailing the results of the investigation. I expect to receive this within the XXXX legal timeframe, outlining the actions taken or reasons for refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I opened the XXXX application this morning, Saturday, XX/XX/year>, to see that my account was restricted. I called the phone number listed at XXXX am and although I normally can not reach any SoFi support after XXXX pm, I was able to call the representative. After hearing the man talk in the background for a few minutes, he finally answered the phone and spoke very rudely, unapologetically, and was very unprofessional. He blatantly told me that XXXX decided yesterday that my account was closed due to fraud I reported and that, after they decide to close my account, they will mail the check in XXXX days. I asked him what will happen to my ssdi, XXXX check and he said I will have to wait until it gets bounced back. I was obviously very upset that they were able to hold my money with no advance notice and basically the guy he was a jerk and hung up. Upon checking my voicemail I read a voice to text message from a XXXX ( unsure of exact spelling of his first name ), XXXX day before on XX/XX/XXXX at XXXX pm. I called him at XXXX am and left a message. I tried to transfer money out of the account but had no success. I had {$2000.00} total in my account and that is my life savings, I have no other money other than that. 
Prior to this restriction, I had opened several fraud cases because my son, most likely, had used my card and tried several times to gain access to my account. I let the representative at XXXX know the details and even filed criminal charges against my son although I have had trouble accessing the report online. My son is XXXX years old and I have had trouble with him. In addition to this my son has also assaulted me. 
While the fraud was being investigated XXXX did give me a provisional credit however, I had little to no access to my account. Most of the time I tried to use my debit card the charges were denied. Even after calling the bank, most of the time, I still was not able to get the bank to accept the charges. During the fraud investigation, I requested that another account be opened and I had no success in obtaining a new account. 
I have placed a better business bureau complaint as well this morning. 
I attached the emails I sent to XXXX. XXXX XXXX is the police XXXX in XXXX XXXX Virginia that took my information to file police charges against my son XXXX XXXX who is XXXX years old. I attempted to get the police report through the XXXX of XXXX act, but it wasnt online. I called the XXXX XXXX police department and they said it takes the officers a while to get the report in. I didnt file all of the fraud my son must likely committed because I really didnt want him to go to jail, however, he also used my XXXX card for Door Dash other charges. The police report was taken on XX/XX/year>. I have yet to receive a reply from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I brought a car from XXXX my auto sales they sold me a car that had been totaled forged signatures on my contract and changed amounts before sending to the bank. Ive paid over XXXX into the car then when I missed XXXX payment because I found out I wasnt even supposed to be driving the car they picked up the car and now its on my credit they have sold the car and they still want me to pay a balance. I have all the paperwork needed if needed even pictures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: LOBEL FINANCIAL CORPORATION
State: OR

Complaint narrative:
In XX/XX/2023, I purchased a vehicle through a dealership ( XXXX  XXXX XXXX  ) that submitted a joint loan application to Lobel Financial listing both myself and my mother as co-buyers. However, I was the only person who filled out a credit application, submitted documents, and had my credit run. My mother was only present to co-sign, but her role was fraudulently changed on the final loan paperwork without our knowledge or consent.

I have since made all payments, insured the vehicle, and had full responsibility, yet Lobel Financial refuses to acknowledge that the loan was submitted with misrepresented information. When I requested copies of my application, credit report, and loan documents, Lobel Financial told me I could not receive any documentation unless I hired an attorney. I believe this violates the Truth in Lending Act and is an attempt to avoid liability for approving a loan based on falsified or deceptive paperwork.

I am asking that CFPB investigate Lobel Financials role in this transaction, require them to release my loan documents to me, and hold them accountable for participating in or failing to prevent consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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 am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. The following inaccuracies in my credit report require immediate correction or removal. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX PHL XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$92.00}

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 2025-03-29 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:
RE : LEGAL NOTICE FRAUDULENT ACCOUNTS FROM YOUR DATA BREACH | DEMAND FOR {$16000.00} IN DAMAGES | XXXX RESPONSE DEADLINE To Whom It XXXX Concern, This letter is a formal legal notice and final warning regarding multiple fraudulent accounts appearing on my credit and tenant screening reports. These accounts were not opened or authorized by me, and I have reason to believe they are the direct result of a data breach involving your systems, in which my private information was compromised. 

As a result of your failure to protect consumer data, I have suffered emotional distress, repeated denials for housing and credit, and serious financial harm. 

I demand the immediate and permanent deletion of all the following fraudulent accounts from every reporting system associated with your agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent rental accounts ) Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent eviction accounts ) XXXX XXXX XXXX XXXX XXXX Account ending in XXXXXX Balance : {$10000.00} XXXX XXXX XXXX Account ending in XXXXXX Balance : {$6100.00} XXXX XXXX XXXX Account ending in XXXXXX Balance : {$16000.00} XXXX FCU Account XXXX Balance : {$6100.00} Consumer Adjust Account XXXX Balance : {$140.00} XXXX Account ending in XXXX Balance : {$1100.00} DO NOT REINSERT ANY REMOVED ACCOUNTS. 
Under FCRA 611 ( a ) ( 5 ) ( B ), any reinsertion of previously removed accounts without proper notice is a violation of federal law. You are now on record and legally warned : No account that has been disputed and removed may be reinserted under any circumstance. 

I also do NOT authorize any fraud alerts to be placed on my credit file. These alerts result in automatic denials and further harm me as a victim. Placing a fraud alert without my request or consent is both unethical and damaging. 



You Have XXXX Hours to Act If I do not receive written confirmation that all fraudulent accounts have been permanently deleted and will not be reinserted, I will proceed with legal action. You have XXXX hours from the date of this letter to : XXXX. Permanently remove all listed fraudulent accounts XXXX. Cease all reporting and reinsertion of any disputed accounts XXXX. Send written confirmation to : XXXX XXXX. Refrain from placing any fraud alert on my file If you fail to comply, I will take the following legal steps without further warning : File a lawsuit in XXXX XXXX XXXX for {$16000.00} in damages Report your data breach negligence and violations to the FTC, CFPB, and the Texas Attorney General Pursue full legal action under the FCRA, FDCPA, and consumer protection laws You have been officially notified. 

Sincerely, 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-29 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: TX

Complaint narrative:
I demand the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the FCRA. Under Section 611 ( a ) ( 5 ) ( B ), if the disputed information is found to be inaccurate or unverifiable, it must be permanently removed. I expect nothing less than full compliance.

Under Section 609 ( e ), if identity theft is involved, I am entitled to supporting documentation from both the credit agencies and the furnishers. I expect you to provide this documentation immediately.

Section 623 ( a ) ( 2 ) clearly states that furnishers must promptly correct any inaccurate information. This hasnt happened, and I demand immediate action.

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: CA

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 2025-03-29 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: GA

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 XXXXB 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 explanation
Consumer complaint received 2025-03-29 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: CT

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: CT

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 account listed without my expressed written consent.

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