vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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: FL

Complaint narrative:
I am filing this complaint against Equifax for failing to comply with federal laws governing the handling of disputes under the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. Equifax has refused to properly investigate or remove fraudulent accounts reported to FTC Identify Theft on my credit file, causing significant harm and violating my rights. 

Background : On XX/XX/XXXX, Equifax informed me that XXXX of the fraudulent accounts I reported on XX/XX/XXXX to the FTC Identity Theft as fraud accounts were " verified '' per the debt collector, despite being flagged as fraudulent. This response came after 32 days of delay, resulting in an inconclusive decision and allowing the fraudulent accounts to remain on my credit report. 

CRAs Failure to Comply : Despite my clear and lawful dispute, Equifax either failed to perform an adequate investigation or improperly verified the accounts with the original creditors/debtors without validating their legitimacy. This constitutes a violation of my rights under 15 U.S.C. 1681i ( a ), which requires Equifax to conduct a reasonable reinvestigation of disputed information and delete inaccurate, incomplete, or unverifiable items. 

Harm Caused : The continued reporting of these fraudulent accounts is negatively impacting my credit score and financial well-being. Additionally, I have spent considerable time and resources attempting to correct this issue, only to encounter further delays and noncompliance by Equifax. 

Laws Violated : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Equifax failed to meet its obligation to reasonably investigate my dispute under 15 U.S.C. 1681i ( a ). Equifax continued to report unverifiable and fraudulent information, violating 15 U.S.C. 1681e ( b ), which mandates accurate reporting. Equifax willful noncompliance with its obligations constitutes a violation of 15 U.S.C. 1681n, which provides for civil liability for willful violations, including damages, attorneys fees, and punitive damages.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Equifax improperly relied on a creditor or debt collectors unverified claims without ensuring the accuracy of the account, potentially facilitating abusive debt collection practices. This constitutes a violation of 15 U.S.C. 1692k, which provides for civil liability for violations, including actual damages, statutory damages, and attorneys fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MA

Complaint narrative:
Please see attached document. DISCOVER BANK/DISCOVER FINANCIAL SERVICES are violating my rights. They are violating 15 USC sec 1692e - 15 USC sec 1692f - and 15 USC sec 1692g ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: IL

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 non-monetary relief
Consumer complaint received 2024-12-25 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: IL

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 2024-12-25 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-12-25 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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 2024-12-25 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:
" I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Over XXXX MONTHS ago Chexsytems said they would send me my security pin number in the mail in order for me to take off the security freeze on my credit report. I have yet to receive the pin to lift this unwanted freeze. This is hindering me from getting a bank account and negatively impacting my rights as a consumer.

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 2024-12-26 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: NY

Complaint narrative:
I am writing to formally address a matter of noncompliance by the credit bureau concerning accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed items from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have repeatedly over the past XXXX years, contacted the CFPB as well as the credit reporting agencies and the credit cards involved informing them of my identity theft I furnished an identity, theft report and very valid proof of the identity theft, as well as the wrong information that was being reported to my credit Every single person, including the CFPB has ignored me despite the fair credit reporting act 15 U.S.C. 1681i very clearly stating that false debt must be throughly investigated this has caused me tremendous damage throughout the past years. I have been forced to stay in a property that is full of XXXX with my child that has no XXXX due to credit problems. It has also caused me to have a significantly higher credit rate for my car, which I just purchased at I want to be compensated for it the fair credit reporting act 15 U.S.C. 1681o Establishes liability for negligent noncompliance, allowing recovery of actual damages and costs I am enclosing my proof that the fraudulent claims have finally through no help of anybody, but myself been taken off due to identity, theft, and the damage that has caused the actual damage is well over a XXXX XXXX dollars which I am positively pursuing in either small claims or civil court with or without representation if no compensation is received by means of this complaint.

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 2024-12-25 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance Owed : {$150.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Charged off XXXX XXXX XX/XX/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 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On the afternoon XX/XX/XXXX I contacted SoFi to report XXXX fraudulent charges totaling {$100.00} after I receive an alert from SoFi. The operator acknowledged my request but could not dispute the claims until the charges posted. The evening of XX/XX/XXXX, I checked my account again and notice that there were XXXX additional charges totaling {$4200.00} made against my account which completely drained my account to zero ( {$4300.00} combined ). I then contacted XXXX again that night to dispute those charges as well. Sofi then froze my account ( even though it was at {$0.00} by that point ). After speaking with a fraud XXXX at SoFi on XX/XX/XXXX, the XXXX charges were deemed as fraudulent and the charges were refunded, yet my account remained frozen. This account is the only money that I have. I dont have any credit cards. By freezing my only access to my money, I can not pay for food, rent, prescription medications, fuel, etc. when contacting SoFi to explain this, the only response I get is that the status of the account is restricted and they are unable to provide any additional information. My case had been submitted to the internal investigation department. Upon requesting a contact number for that department I was told that there is no way for me to contact them as they do not take outside calls. So here I sit, XXXX days from my original dispute submissions with no access to money and not even a reason why my account is still restricted, and no information on how long this process might take. I am being stone wall by the general service reps and SoFi is essentially holding my money hostage for reasons unknown. I need food. I need to pay rent. But no one at this bank seems to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc
State: FL

Complaint narrative:
Possable loan financial Account # XXXX Open date : XXXXXXXX  Emailed them multiple times and never received a response and the account says it has been charged off and I havent received a 1099 for it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have repeatedly over the past XXXX years, contacted the CFPB as well as the credit reporting agencies and the credit cards involved informing them of my identity theft I furnished an identity, theft report and very valid proof of the identity theft, as well as the wrong information that was being reported to my credit Every single person, including the CFPB has ignored me despite the fair credit reporting act 15 U.S.C. 1681i very clearly stating that false debt must be throughly investigated this has caused me tremendous damage throughout the past years. I have been forced to stay in a property that is full of XXXX with my child that has no XXXX due to credit problems. It has also caused me to have a significantly higher credit rate for my car, which I just purchased at I want to be compensated for it the fair credit reporting act 15 U.S.C. 1681o Establishes liability for negligent noncompliance, allowing recovery of actual damages and costs I am enclosing my proof that the fraudulent claims have finally through no help of anybody, but myself been taken off due to identity, theft, and the damage that has caused the actual damage is well over a XXXX XXXX dollars which I am positively pursuing in either small claims or civil court with or without representation if no compensation is received by means of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
cash app closed my account without explained reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I was told that all loans were federal loans and that I had a fixed interest rate. After finding out that was not true, I tried to consolidate the loans into a fixed rate and was told I could not transfer of change the terms of my loans. This happened over several years and I did not find out until after I graduated what I would be paying. I found over XXXX loans from Navient that I did not agree to during my education. I asked multiple times for copies of my signature on any loan forms and was never provided a copy with my actual signature. There were loan papers that had an electronic signature that did not match the spelling of my last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: Synovus Bank
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Inaccuracies Dear Sir/Madam , I am writing to formally dispute inaccuracies in my credit report as provided by the XXXX major credit bureaus : XXXX, XXXX, and XXXX. It has come to my attention that my credit card account, which is in good standing with a perfect payment history, has been deleted from my credit report, effectively shortening my credit history. 

Details of the account are as follows : - **Account Number : ** XXXX - **Account Type : ** Revolving Account Opened XX/XX/XXXX - **Status : ** XXXX XX/XX/XXXX - **Payment History : ** No late payments, paid as agreed I have received multiple letters from all three bureaus requesting additional identification, despite having already provided all necessary information. This continual request for information is unnecessary as I have verified that my records are complete. 

The actions taken by the credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ) regarding willful non-compliance. As my credit report reflects, all three bureaus have acknowledged my account status as " OK, '' and there are no discrepancies in my payment history. 

I kindly request an immediate investigation into this matter and urge you to ensure that my account is accurately represented in my credit report. Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, CFPB PLEASE HAVE THIS ACCOUNT REINSTATED

Company response to consumer: Closed with explanation