vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$6800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
Never knew about these debt, I try to reached and ask for original copy of the debt but never got a copy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: NJ

Complaint narrative:
I am submitting a follow-up dispute regarding unauthorized credit inquiries that remain on my credit report despite my previous dispute. These inquiries are negatively affecting my credit score and were made without my knowledge or consent. 

Name of Creditor : XXXX, XXXX. 
Date of Inquiry : XX/XX/year> I contacted the creditor directly to dispute the inquiry, but I have not received a satisfactory response. I also disputed the inquiries with the credit reporting agency Equifax, but it remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: GA

Complaint narrative:
I am reaching out for your help with this incorrect account appearing on my credit report. Ive raised this matter because its been damaging my reputation, and I need your assistance. The mishandling of my credit report has left me in a difficult situation, as this inaccurate information has damaged my reputation. Please correct these mistakes so I can live peacefully with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/ 2020, I received an email from PayPal requesting additional information about my account ( Ref ID XXXX ). I provided the necessary documents as instructed. However, on XX/XX/ 2020, I was informed that my account had been permanently limited due to potential risks associated with it ( Ref ID XXXX ). 

I have always adhered to PayPal 's guidelines and conducted my transactions responsibly, with no fraudulent activities involved. The permanent limitation of my account appears to be an unjustified action, and I strongly believe it was influenced by discrimination based on my nationality as a XXXX 

This limitation has had a significant negative impact on my financial situation, as I relied on this account to receive payments and salary. Despite providing all requested documents, my attempts to resolve this issue have been unsuccessful. I am fully willing to provide the requested documents again to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: American Coradius International LLC
State: OH

Complaint narrative:
Im reaching out to you because Im at my wits end with XXXX and XXXX. Despite providing them with everything under the XXXX reports, identity theft affidavits, and even proof that XXXX already removed the fraudulent accountthey still refuse to remove this bogus debt from my credit report. 

Heres the situation : I was a victim of identity theft, and someone used my information to purchase a vehicle in Ohio while I was living in XXXX. I have never, and would never, buy a car from another state while residing in a different one. Ive explained this to XXXX and XXXX multiple times, and I even backed it up with documentation proving I wasnt living in Ohio at the time. Yet, here we are. 

XXXX, after their investigation, immediately recognized this account as fraudulent and removed it from my credit report. But for some reason, XXXX and XXXX are dragging their feet. To make matters worse, I just received a collection letter from a third-party agency trying to collect {$28000.00} on behalf of XXXX XXXX XXXX for this same fraudulent debt. This is crushing my credit, and I cant use my credit for anything because of it. 

Im particularly frustrated because of the recent response I received from XXXX. They told me to check my credit report for the results of my dispute. The problem is, Im not convinced theyve done any real investigation on their end. It feels like theyre just brushing me off, which is why Im turning to you.

Theres also something I want to bring to your attention. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court made it clear that if one credit bureau removes inaccurate information after a proper investigation, the others must follow suit. So, why are XXXX and XXXX still reporting this fraudulent account when XXXX has already removed it? It doesnt make sense, and its completely unfair. 

I hope you can help me get this resolved. Ive been through enough with this identity theft mess, and its about time these credit bureaus did the right thing. This is about more than just my credit score ; its about getting my life back on track without this unjust burden hanging over me.

Thank you for your time and attention to this matter. I look forward to your response and hope this complaint brings some much-needed resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Im reaching out to you because Im at my wits end with Experian and XXXX. Despite providing them with everything under the sunpolice reports, identity theft affidavits, and even proof that XXXX already removed the fraudulent accountthey still refuse to remove this bogus debt from my credit report. 

Heres the situation : I was a victim of identity theft, and someone used my information to purchase a vehicle in Ohio while I was living in XXXX. I have never, and would never, buy a car from another state while residing in a different one. Ive explained this to Experian and XXXX multiple times, and I even backed it up with documentation proving I wasnt living in Ohio at the time. Yet, here we are. 

XXXX, after their investigation, immediately recognized this account as fraudulent and removed it from my credit report. But for some reason, Experian and XXXX are dragging their feet. To make matters worse, I just received a collection letter from a third-party agency trying to collect {$28000.00} on behalf of XXXX XXXX XXXX for this same fraudulent debt. This is crushing my credit, and I cant use my credit for anything because of it. 

Im particularly frustrated because of the recent response I received from Experian. They told me to check my credit report for the results of my dispute. The problem is, Im not convinced theyve done any real investigation on their end. It feels like theyre just brushing me off, which is why Im turning to you.

Theres also something I want to bring to your attention. In XXXX XXXX Experian XXXX XXXX XXXX XXXX, the court made it clear that if one credit bureau removes inaccurate information after a proper investigation, the others must follow suit. So, why are Experian and XXXX still reporting this fraudulent account when XXXX has already removed it? It doesnt make sense, and its completely unfair. 

I hope you can help me get this resolved. Ive been through enough with this identity theft mess, and its about time these credit bureaus did the right thing. This is about more than just my credit score ; its about getting my life back on track without this unjust burden hanging over me. 

Thank you for your time and attention to this matter. I look forward to your response and hope this complaint brings some much-needed resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: World Omni Financial Corp.
State: FL

Complaint narrative:
I am writing to formally request an investigation into the credit reporting practices of XXXX and XXXX. After a thorough review of my credit reports, I have identified several inaccuracies related to the following accounts : XXXX XXXX XXXX XXXX XXXX  : Account Number XXXX Upon review, I noticed that critical information such as the open date, the date last active, and the date of last payment are inconsistently reported across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report.

Furthermore, I have identified additional discrepancies that I believe warrant immediate correction : Charge-Off Balance Reporting : One of my accounts, listed as a charge-off, is still showing a balance even though it was sold to a debt collector. This is inaccurate reporting, as the original creditor no longer owns the debt. The balance should be listed as XXXX, particularly since I have not received a Form 1099-C for cancellation of debt income, which is required for tax purposes when a debt is canceled.

1099-C Reporting Issue : In my communications with XXXX, XXXX was informed that I would receive a 1099-C when the statute of limitations expires. However, if the creditor has already reduced their tax burden by reporting the charge-off to the IRS, I should have received a 1099-C to include in my 2023 tax filings. The fact that I have not received this form raises serious questions about the accuracy and legality of the continued balance reporting on my credit report.

Given the discrepancies and the potential legal ramifications under the FCRA, I respectfully request that the CFPB conduct a thorough investigation into XXXX and XXXX 's reporting practices regarding these accounts. I urge you to ensure that all inaccuracies are corrected, including the removal of any improperly reported balances on charged-off accounts. 

I trust that the CFPB will take swift action to uphold the integrity of the credit reporting system and to protect consumers like myself from the damaging effects of inaccurate credit reporting. 

Thank you for your attention to this urgent matter. I look forward to your response and to the prompt resolution of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$6100.00}

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 2024-08-27 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: DE

Complaint narrative:
Re : Notice of Intent to Arbitrate Dear Experian, XXXX XXXX XXXX XXXX XXXX, XXXX I am writing to formally notify Experian of my intent to initiate arbitration under the terms outlined in the Experian Consumer Credit Reporting Agreement. This notice is pursuant to the Federal Arbitration Act and any applicable arbitration provision governing my relationship with Experian.

The basis for my claim is as follows : 15 U.S.C 1692d is a section of the fair debt collection Practices Act FDCPA that Prohibits debt collectors from engaging in abusive, harassing or oppressive conduct in connection with the collection of a debt. This law provides important protections for consumers against unfair treatment by debt collectors. Because of my financial lost do to the over reporting of this Bankruptcy with the XXXX court which I have disputed with your company several times and the information has been updated and has had a major effect on my credit worthiness I am seeking the amount of {$50000.00} and this information removed from my credit report immediately.

In accordance with the arbitration agreement, I request that Experian provide me with the contact information for its designated arbitration representative so that I may proceed with filing my claim with the appropriate arbitration body. Please note that I intend to pursue all available legal remedies in this matter.

Please acknowledge receipt of this notice within 10 days of receipt, as stipulated by the terms of the arbitration agreement. Failure to do so will be taken as a refusal to engage in good faith arbitration proceedings.

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



Sincerely, 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
Consumer complaint received 2024-08-27 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: PA

Complaint narrative:
This morning, I was disappointed and confused to find unauthorized inquiries on my credit report with no clear reason. I checked it as I normally do, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changed. I ask that the documents I've submitted be carefully examined so I can have peace of mind and stop worrying about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
There is incorrect and inaccurate information in my credit reports regarding the XXXX XXXX XXXX Account with XXXX XXXX. I found various errors and inconsistencies regarding the opening dates, payment history and closing of said account, as well as the rating, payment status of the account, the type of creditor and the observations offered by the same. The information reflected by the different credit reporting agencies is in disagreement. 
Pursuant to the Fair Credit Reporting Act, the account has violated my consumer rights under 15 USC 1681 Section 602A, which federally protects my privacy and confidentiality, 15 USC 1681c. ( a ) ( 5 ), which states that no consumer reporting agency may make any consumer report that contains any element of adverse information, and 15 USC 1681s-2 ( A ) ( a ), which states that a person shall not provide 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 2024-08-27 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:
There is incorrect and inaccurate information in my credit reports regarding the XXXX XXXX XXXX Account with XXXX XXXX. I found various errors and inconsistencies regarding the opening dates, payment history and closing of said account, as well as the rating, payment status of the account, the type of creditor and the observations offered by the same. The information reflected by the different credit reporting agencies is in disagreement. 
Pursuant to the Fair Credit Reporting Act, the account has violated my consumer rights under 15 USC 1681 Section 602A, which federally protects my privacy and confidentiality, 15 USC 1681c. ( a ) ( 5 ), which states that no consumer reporting agency may make any consumer report that contains any element of adverse information, and 15 USC 1681s-2 ( A ) ( a ), which states that a person shall not provide 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 explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I initially opened a case with the agency, case number XXXX, regarding fraudulent and inappropriate billing practices by Lowes store credit card operating under synchrony bank. While I was issued a refund, I have since been charged an additional {$2.00} fee, despite having closed my account. Synchrony Bank is engaging in predatory billing practices, imposing unjustified fees that burden customers and potentially harm their credit. This additional fee should never have been charged. I urge you to investigate this company 's inappropriate billing of consumers and take necessary action to protect customers from such exploitative practices.

Thank you for your attention to 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 monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: ND

Complaint narrative:
As I have stated in the last several complaints on Sofi denying transactions I was a victim of a scam and fraudulent money transfers to people I do not know nor even did. I never gave anyone my login details and if they looked at the IP address device details and location they would see it wasnt me. They say I have not provided proof of the scam which I have twice already and have the emails to prove it and as for the fraudulent money transfers I want proof to what the account number is it was sent to since I have no information on this. Maybe Sofi doesnt comprehend that now these days phones can be cloned and the owner of the original wouldnt even know and the cloned phone is identical with all information and have text messages forwarded to them and not the original phone. I was getting random codes when I wasnt even near my phone but just erased them cause I didnt request it. I am a victim of a scam and fraud I have reported these transactions to IC3.gov which works with the FBI I gave them all the information I have on these scammers. All I want is whats mine back from these scammers and these people that fraudulently sent the unauthorized fraudulent money transfers which is in the Electronic money transfer act but Sofi just ignores the fact that theres laws rules and regulations in place for them to fallow

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief