vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chex Systems XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Request to remove accounts from Credit Consumers Dear chexsystem I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : 2. Account with XXXX, XXXX ( Account XXXX XXXX XXXX XXXX ) - Charge Off Amount : {$1800.00} As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 2025-03-01 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX, Acct ending in 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 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I recently opened an account with SoFi Bank and transferred my direct deposit from my previous bank to this new account. On XX/XX/year>, I received an email from SoFi alerting me that a new bank account was linked to my account, which I did not recognize at the time. Out of caution, I immediately contacted SoFi customer support for clarification. The representative informed me that they would open an internal investigation into the matter and that someone from the team would follow up with me. 

Shortly after my call, I discovered that my account had been restricted, completely preventing me from accessing my funds without prior notice. This restriction included my entire paychecks, leaving me unable to pay rent and other essential bills. I called SoFi again for clarification, only to be told that : - There was no timeline for the review process. 
- They could not escalate my case or provide contact information for the XXXX XXXX XXXX or a supervisor. 
- My funds would remain inaccessible indefinitely until the internal review was completed. 

After further research, I realized that the flagged transaction was a legitimate and authorized transfer I made from SoFi to my XXXX XXXX  account, which is facilitated by XXXX XXXX Bank. I immediately called SoFi back to inform them of this, believing it would clear up the issue. However, I was again told that nothing could be done, and that the investigation would continue with no estimated resolution time. 

I reached out multiple times for updates but received the same response every time - that my funds would remain inaccessible, and that I simply had to wait. On XX/XX/year>, I called SoFi again to request closure of the investigation and reinstatement of my account. The representative refused to provide a direct contact for a supervisor or the review team, again stating there was no timeline for resolution. 

At this point, I have no access to my own money, despite repeatedly providing verification that my transfer was authorized. I have essential financial obligations that are being impacted due to SoFis lack of transparency, refusal to escalate my case, and failure to provide a reasonable resolution timeframe. 

SoFis actions have placed me in a serious financial hardship and demonstrate unfair banking practices that need to be addressed. I appreciate the CFPBs assistance in resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
According to the payment summary this account was charged off on XX/XX/XXXX. Last payment date was updated to XX/XX/XXXX, which is inaccurate as the last payment was XX/XX/XXXX. The creditor intentionally and inaccurately updated the payment summary then updated it to the correct payment history on XX/XX/XXXX when the account was charged off. The payment information was manipulated by the creditor to keep it open and negatively reporting on the credit report for more than a year following the last payment. This account could have been charged off effective XX/XX/XXXX according to Discovers charge off policy. I want this account removed as Experian never investigated this dispute I submitted, this is something the CFPB also found experian guilty of. I want this account removed from my credit report for intentional misreporting. 

Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXX CO - XXXX CO - XXXX ND - XXXX ND XXXX XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Past due amount {$7900.00} Highest balance {$8100.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account previously in dispute - investigation complete, reported by data furnisher Your statement-

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 2025-03-01 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: PR

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. I have attached a copy of my police report/FTC identity
theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA. 
Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau . 

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. 

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but CREDIT BUREAU has failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 
This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove 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
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have XXXX credit limit I owed a XXXX the check was returned so instead of them removing the charge which they dnt charge for return checks they added it to my balance which made my account XXXX I called to ask why my card had a over the limit balance they said it was returned payment so o once I cleared off the XXXX balance it would fall off now Im stuck with charge of XXXX they claim I used XXXX last month but I never did because u cnt use whats not there and u cnt go over the limit which is XXXX they refusing to clear the charge and I wan na make a complaint im being charged incorrectly and they are damaging my credit score dramatically please help me I have been a loyal customer for over 2 yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-01 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: MS

Complaint narrative:
The FCRA is non negotiable, you do not get to pick and choose which accounts you get to delete. The FCRA mandates that all information on my credit report must be accurate verifiable. Therefore this account for XXXX XXXX XXXX must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
I have requested them to validate when I have been late on my mortgage or XXXX XXXX  accounts. They nave not prodded the method of verification whom and when they spoke to anyone The telephone number or anything. Ican assure you I have the documentation to prove XXXX  never been late additionally the law indicates that before you place negative information on a consumer gel it must be verofie. ITs and can not be verified. This is breaking the law. The law that was placed to protect condiments is not being verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NV

Complaint narrative:
I am filing a complaint against XXXX for failing to investigate my disputes regarding inaccuracies in my credit report properly. 
Despite my submissions, XXXX consistently responds within 24 hours, stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681i, which mandates a reasonable investigation of disputes.

Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No. XXXX XXXX ) against it for similar violations. Request that CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I recently opened a XXXX credit card in XX/XX/year>. I was explicitly told by a XXXX sales associate that I would receive 12 months of interest-free financing, provided I paid off the balance before the end of the promotional period. I have a video recording of this interaction as proof. However, I was unexpectedly charged interest on my statement, which contradicts what I was promised. The interest was XXXX per month. 

I request that the interest charges be removed and the credi card company as a curtesy said they can only remove the last interest charged. I belive, I was misrepresented by the sales rep and this issue is not resolved. I am hoping that this can help escalate and protect other consumer. I am filing a dispute with the Consumer Financial Protection Bureau ( CFPB ) and I contacted XXXX corporate office about misleading sales tactics. I would like to escalate this matter to someone who has the authority to correct the issue.

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 2025-03-01 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: TX

Complaint narrative:
INCORRECT PERSONAL INFO ADDRESSES XXXX XXXX XXXX XXXX XXXX TX XXXX ( EQUIFAX ) XXXX XXXX XXXX XXXX TX XXXX ( XXXX  ) XXXX XXXX XXXXXXXX TX XXXX ( XXXX  ) FRAUDULANT ACCOUNTS XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: KY

Complaint narrative:
I have not heard from them in months so I thought it was over. XXXX said I owed a last bill from Me being a customer. I pre paid for my phone service and thus do not owe a final bill. I got a phone from tmobile and paid it off in cash in XXXX weeks, and shortly after quit XXXX XXXX. I just got a letter from Alliance One collections saying I still owe the bill. 
AllianceOne Ref # XXXX. 
I told the guy from XXXX  on the phone months ago that I prepaid for my service and therefore do not owe a last bill. The guy said XXXX does not have prepaid phones. I paid for a months service before they turned the phone on, whatever that is called. 
XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2025-03-02 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX Acct ending in 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 2025-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX Acct ending in 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