vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
Subject : Illegal Credit Report Inquiry by XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XXXX XXXX XXXXXXXX XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA.

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress. 
As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 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 2024-11-14 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:
I have found incomplete and inaccurate reporting on these accounts that I have listed in the letter. I am writing to dispute the following information that your company supplied to 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 2024-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX i was told to confirm my address to get refunded by a check for {$800.00} which I did, and I was told by their resolutions team I should receive the check in XXXX calendar days, which would include the weekends, which I should have my check by Friday XXXXXXXX XXXX XXXXXXXX, however I was also told by their customer service that its XXXX business days, not calendar days. So now I am being mislead and lied too, and they only thing they could do is apologize, this doesnt how a company should be ran? I just want transparency from this company, because Im told multiple different things by different people, and being lied too, and mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2024-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account XXXX : XXXXXXXX XXXX XX/XX/2XXXX XXXX XXXXXX/XX/2024 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc.
State: NJ

Complaint narrative:
I made a payments on my card before my due date on XX/XX/year> and before my reporting date on XX/XX/year> and my information is not being reporting correctly

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
I found unauthorized hard inquiries listed on my report, which violate 15 USC 1681c-2. Requesting removal to protect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Between XXXXXXXX XXXX XXXX XXXX someone had stolen my debit card and used it multiple times a day, even in different states. I reached out to Wells Fargo on MULTIPLE times now, only to keep getting push back saying that it was done by someone I gave permission to. I filed a police report and the XXXX Police department also received push back from Wells Fargo. The most recent letter from Wells Fargo states that they did not have any record of the about XXXX Police department trying to reach out to them. I am now attaching the FULL report from XXXX Police showing the numerous times they tried to reach out and even receive video footage from the ATMs. You will be able to see Wells Fargo lack of helping in the fraud is criminal and they blatantly continue to disregard the severity of their actions.

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 2024-11-14 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
My wallet was lost and it contained enough credentials ( I'm assuming ) for someone to initiate a credit application in my name. 

I'm seeing several hard pulls from varying sources. 

" Between XX/XX/year> and XX/XX/year>, an inquiry made by XXXXXXXX XXXX was added to your credit report. '' " CCF INTERMEDIATE HOL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I received a text from TSI ( debt collector ) to my cell phone about an account with XXXX XXXX. I have a XXXX account and called them first to ask what it was about. They confirmed my account was in good standing and they have not sent me to collections. I then called TSI at the number provided and reported to them they have the wrong person. They told me they were looking for XXXX XXXX. I told them I do not know who that is, that the phone number is my cell phone and I've owned the number for several years. They told me they'd remove me from their call/text list and the call ended. 

I received ANOTHER call and text shortly after. I once again called and was told my number was being put on the do not call list and I wouldn't receive anything further. I continued to receive more text messages from this company after both of these conversations and today ( XX/XX/XXXX ) I called and reported the same issue. I am not who they are looking for, I am not aware of who the person is and to stop contacting my cell phone completely. I requested to speak to a manager who told me the same spiel of being put on a do not contact list and to wait 24-48 hrs and if I was contacted again after that time, to call back. I again repeated that this has already happened and they are saying the same thing they did before. She said there is nothing they can do. I told them I will be filing an FTC complaint and will be paying fees/fines if they continue and ended the call. 

Dates of texts and calls : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I logged into my SoFi phone app and noticed an unknown temporary authorization hold of {$1800.00} as a pending charge in my Checking account. I opened the transaction and saw that it is a temp auth from " XXXX XXXX XXXX XXXX XXXX '' from " XXXX  XXXX '', which does not seem like a legit terminal/XXXX. 

At XXXX XXXX  Eastern Time, on XX/XX/XXXX, I called this XXXX and spoke to XXXX XXXX at the Front Desk. XXXX XXXX is also the staff member I spoke to upon my Checkout of this hotel on XX/XX/XXXX, and we remembered each other. 
I explained to XXXX XXXX that I saw this temp charge on my account today XX/XX/XXXX, and that it apparently was initiated on XX/XX/XXXX at XXXX XXXX  local Central Time. I asked her what this charge was for, as it was not authorized by me. 
She asked me for my debit card number, which I read to her over the phone. She researched and could not find any transaction ( fraudulent or otherwise ) in " her system ''. The card was frozen by me on XX/XX/XXXX. 

At XXXX XXXX  Eastern Time, I called SoFi bank and initially spoke to a customer service rep who told me that i had to '' wait for the transaction to post before I could dispute it '', to which I replied that it will never post because the merchant has no record of this charge. She told me there was " nothing we can do. '' So I asked to speak to a supervisor. 
who told me that I have to wait indefinitely and " hope that the charge goes away in a month or so, so maybe around XX/XX/XXXX ''. 

XXXX did not protect my financial information, and now there my bank is holding {$1800.00} indefinitely. 

I have filed a report with the Federal Trade Commission, Fraud Division and with the XXXX XXXX XXXX Police Department

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
Subject : Dispute Regarding Inaccurate Reporting of Closed Account Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of an auto finance account on my credit report. For over a year, I have been attempting to synchronize and correct the records across all three major credit bureaus. Specifically, the account in question is with XXXX  XXXX XXXX and is listed under the account name charge card. 
Despite my numerous credit disputes, XXXX persistently reports this account as open and claims it has been verified. This account was, in fact, closed, and I have provided the necessary discharge documentation from my XXXX  XXXX bankruptcy as evidence. Unfortunately, my evidence has been consistently ignored, and the account status remains incorrect. 
I am seeking your assistance to rectify this situation and ensure that my credit report accurately reflects the closed status of this account. Your prompt attention to this matter would be greatly appreciated, as it is crucial for maintaining the integrity of my credit history. 

Thank you for your time and assistance.

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 2024-11-14 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: NY

Complaint narrative:
My credit report lists inquiries I did not authorize. Kindly delete all unauthorized hard 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 2024-11-14 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: OH

Complaint narrative:
Reviewing my credit report, I found late payment errors that dont match my history. Kindly correct these issues and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided by 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: KS

Complaint narrative:
I signed up for a bank account with AXOS and was promised a bonus of XXXX ( after clicking their ad ) if i followed a few steps over a 5 month period. Now they are claiming that I needed to input a code upon opening my account, despite clicking a direct link and following all the bonus requirements. This feels like I have been bait and switched and the are reneging on the agreement detailed in their own advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: MS

Complaint narrative:
XXXX XXXX XXXX THIS IS NOT MY ACCOUNT.PLEASE REMOVE FROM MY CREDIT REPORT I have not supplied proof under the doctrine by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I presume 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 2024-11-14 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: MS

Complaint narrative:
XXXX XXXX XXXX THIS IS NOT MY ACCOUNT.PLEASE REMOVE FROM MY CREDIT REPORT I have not supplied proof under the doctrine by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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