vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: MA

Complaint narrative:
XXXX XXXX found me in 6 data breaches by monitoring my email XXXX. the 6 data breaches are : XXXX  Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and Equifax. I am disputing all of the information due to be incomplete and inaccurate. 

The Address : XXXX XXXX XXXX XXXX XXXX MA XXXX is inaccurate/fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: MA

Complaint narrative:
XXXX XXXX found me in 6 data breaches by monitoring my email XXXX. the 6 data breaches are : XXXX  Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX and XXXX. I am disputing all of the information due to be incomplete and inaccurate. 

The Address : XXXX XXXX XXXX XXXX XXXX MA XXXX is inaccurate/fraudulent.

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 2024-10-13 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: NY

Complaint narrative:
please follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because : XXXX  XXXX open date is not reporting correctly, Date reporting is not reporting correctly Account Rating : Completely incorrect, this account information is not corresponding to me. I had sent letters to the Bureau and I have not received any response and i don't know what else to do. 

Can you look into this matter, please?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.

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 2024-10-13 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: CA

Complaint narrative:
XXXX XXXX and XXXX XXXX are harass, conceal information, use abusive tactics, and communicate with me after demand to cease and desist. I have filed complaint with them before several times. I recently filed complaint with the XXXX. I will continue to file disputes, complaints and claims due to their unethical, deceptive business practices. Please address this matter

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 2024-10-13 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: NC

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 explanation
Consumer complaint received 2024-10-13 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: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing me.

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 2024-10-13 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: Franklin Financial  Corporation
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX dont know Franklin finance XXXX {$2500.00} was {$2000.00} had a XXXX or XXXX XXXX XXXX suddenly went and car company couldnt fix told me to fix I was still under warranty they repossessed it. 
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 Include closed rent a center account still on my credit report please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: Byrider Franchising, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX dont know XXXX XXXX XXXX {$2500.00} was {$2000.00} had a XXXX or XXXX XXXX XXXX suddenly went and car company couldnt fix told me to fix I was still under warranty they repossessed it. 
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 Include closed XXXX XXXX XXXX account still on my credit report please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
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 2024-10-13 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
I am writing to request your assistance in resolving a billing issue I am currently experiencing with SoFi regarding my personal loan. Despite my numerous attempts to resolve the matter directly with SoFi, the issue remains unresolved, and I am hoping that the Consumer Financial Protection Bureau can intervene to help facilitate a resolution. 


In early XXXX, I contacted SoFi to request that my loan payment due date be changed from the XXXX to the XXXX of each month. I initially asked the customer service representative to process this request for me, but I was instructed to submit it myself. The representative guided me through the steps, and at the time, I had automatic payments set up for my monthly loan installments. When I asked how my request would affect the automatic deductions, I was assured that the change would only take effect for the following months payment if the next automatic deduction was processed as scheduled. 

Unfortunately, this is not what happened. On XX/XX/year>, SoFi deducted {$1100.00} from my checking account. Then, on XX/XX/year>, another payment of {$1100.00} was taken from my account. Realizing that two payments had been withdrawn in the same month, I immediately contacted SoFi to request a refund for the second payment. I was told it would take 7-10 business days to process the refund, which was frustrating given that the error was on SoFis part. 


In the meantime, I contacted my bank, XXXX, to report the duplicate charge, and an ACH dispute was opened. On XX/XX/year>, my checking account was credited {$1100.00}. I initially believed the issue was resolved, but I was shocked to begin receiving calls and text messages from SoFi claiming that my account was past duean entirely inaccurate claim, as my account is current. 


Today, on XX/XX/year>, I contacted SoFi again in an attempt to resolve the matter. I spoke with XXXX, a supervisor in the personal loan collections department, and explained that my account should not be marked as past due and that SoFis error could potentially harm my credit. While XXXX escalated my issue by opening a support ticket, he did not provide any guarantee that the situation would be resolved, nor did he acknowledge SoFis responsibility in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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 no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.

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 2024-10-13 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
( See attached for full complaint ) Dear CFCB Team, I am writing to request your immediate assistance in correcting inaccurate payment history reported on my credit file. Despite multiple attempts to address this issue, the inaccuracies persist, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i. 

The inaccurate information pertains to XXXX XXXX Account # XXXX where payments have been misreported. I have enclosed documentation to support my claim, including credit report showing the inaccurate reporting Under the FCRA, I am entitled to a fair and accurate credit report. You are required to conduct a thorough investigation into this matter and rectify the inaccuracies as mandated by law. Please confirm the correction in writing as outlined in Section 1681i ( a ) ( 6 ). 

Thank you for your prompt attention to this serious issue. I look forward to your swift response. 

Sincerely, XXXX XXXX [ Enclosures : Supporting Documentation ]

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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
I am writing to formally request validation of the debt you claim I owe in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have received communication from your company concerning an alleged debt, and I am exercising my right to request detailed verification of the debt. 

Please provide the following information regarding the alleged debt : 1. The original creditors name and address. 
2. A complete and detailed accounting of the alleged debt, including any interest, fees, or other charges that have been added. 
3. Documentation showing that you are legally authorized to collect this debt on behalf of the original creditor or that the debt has been transferred to your agency. 
4. Proof that I am indeed the person legally responsible for this debt, including a copy of the original contract or agreement I signed with the original creditor and my WET SIGNATURE ON THAT CONTRACT. 
5. Details of any judgments or legal actions, if applicable, related to this alleged debt. 

Please note that under the FDCPA, you are required to provide me with the requested information. While this debt is in dispute and validation is pending, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies. 

Failure to provide the requested validation within the legally mandated timeframe will result in my pursuit of any and all available remedies, including the right to request removal of any inaccurate information from my credit reports and reporting violations to the Consumer Financial Protection Bureau ( CFPB ). 

This letter is not an acknowledgment or acceptance of the debt. I reserve all rights to dispute or challenge the debt, and this request does not waive my rights under federal or state law. 

Please provide the requested information to me in writing at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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:
These hard inquiries dont belong to me, hasnt being autorized by me has to be removed. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I've requested that the information is inaccurate and I would like for it to be removed from the system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: DE

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: NJ

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am in the process of purchasing a home. When the lender ran my credit report, Capital one is showing I have an open account, but the account payments has not been reported to the creditors since XXXX of XXXX  I contacted Capital One auto finance to see why payments has not been reported, customer service rep did not have any answers as to why nothing has been reported. I requested a letter to submit to the lenders to prove I have been making payments, but Capital One stated they are unable to provide any reason. I advised Capital One that this is holding up my process of purchasing a home. Representative stated I would have to print off transaction statement and submit to the lender. I advised Capital One that they are wanting the account to be reported to the bureaus.

Company response to consumer: Closed with explanation