vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
Hi SoFi Support Team, I hope you're doing well! 

I'm a SoFi Bank customer and have been trying to order checks for my checking account. I've attempted this a half dozen times, but they never arrive. Support has escalated the issue twice to the resolutions department, but they mentioned there's nothing more they can do. 

Could you please help escalate this matter to the right team? It seems there might be a disconnect in the backend somewhere since I receive other mail and SoFi Debit Cards without issues. 

Thank you for your assistance! 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
They approached me with this debt as a former XXXX customer over 7 years ago. We returned the devices to the store when we canceled our service, however they say they did not receive the devices, they would not provide me with proof of drop of at the location. This debt is over 7 years old and should be off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
I am writing to formally dispute the debt that your company is currently reporting on my credit report. This negative item is unjustly affecting my creditworthiness, and I demand that you cease reporting it immediately, as you have failed to adhere to federal law under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( This debt has been sold various times. 

Violation of FDCPA & FCRA : Pursuant to 15 U.S.C. 1692g ( a ) of the FDCPA, a debt collector must send a written notice within XXXX ( XXXX ) days of its initial communication with a consumer, informing them of their rights to dispute the validity of the debt. I have not received any such notice, nor have I been given the opportunity to validate or dispute this debt. Furthermore, under 15 U.S.C. 1692g ( b ), if a consumer disputes the debt in writing, the collector must cease collection efforts until verification is provided. As I was never properly notified, your reporting of this debt is unlawful.

Additionally, under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure the accuracy of the data they report. Since you failed to properly notify me and obtain my acknowledgment of this alleged debt, your reporting is inaccurate and misleading, thus violating my rights under the FCRA.

Cease Reporting & Remove the Negative Item : Since you have failed to follow proper procedures, you are in direct violation of both the FDCPA and FCRA. As such, I demand that you immediately : Cease reporting this debt to all credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Remove this negative entry from my credit report. 

Cease all collection efforts regarding this matter unless you can provide concrete and verifiable proof that this debt is valid and that you have followed all legal notification requirements. 

Failure to comply with this request will leave me with no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I am prepared to pursue legal action for damages caused by your unlawful reporting.

This letter serves as my formal notification of dispute. Under 15 U.S.C. 1681i ( a ), you are required to investigate and correct this information within 30 days. If you fail to comply, I will exercise my legal rights accordingly.

Please confirm in writing that you have removed this negative item from my credit report. I expect a response within 15 days of receiving this notice. Failure to respond will be seen as willful noncompliance, which could lead to further legal ramifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: WI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: NC

Complaint narrative:
Acct # XXXX The creditor has violated my consumer rights under fcra. The balance is paid in full and is being reported with a balance! Spoke to rep XXXX on today XX/XX/XXXX at XXXXXXXX XXXX est and was informed there is no record from the third party company collector called true accord that the acct is paid in full. XXXX also denied my dispute after providing valid proof of the debt being paid in full!!! On the credit report it is showing that the balance has been updated as of XX/XX/XXXX, which is a inaccuracy!!!!! The acct is being updated monthly year to date! 
However it states that there was a dispute updated in XX/XX/XXXX! And the document I provided to XXXX is attached! 
They also too have violated my rights under fcra. 
According the FCRA Inaccurate, incomplete, or unverifiable information must be removed usually within 30 days! According to Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of Identity theft and recently noticed unauthorized inquiries reporting on my consumer report - I have filed an FTC report for the Identity Theft as well as attached it to 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 2025-02-04 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: NY

Complaint narrative:
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2025-02-04 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-04 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding fraudulent charges on my credit card and their failure to honor my request to stop payment before the charges were processed. This has resulted in significant financial hardship and emotional distress. 

On XX/XX/year>, while visiting XXXX, XXXX, I dined at a restaurant that appeared to be called XXXX XXXX  ( though no sign with the restaurant 's name was visible ). I ordered the " Lobster Pasta, '' which was listed on the menu at XXXX. The restaurant staff was aggressive and hostile, creating a very uncomfortable atmosphere. My bill was shockingly inflated, totaling XXXX, which I felt pressured to pay due to the staff 's behavior. 

Shortly after, I discovered an unauthorized charge of XXXX from XXXX XXXX on my Bank of America credit card even though I reluctantly allowed them to charge only XXXX because I felt threatened and was not able to defend myself. Crucially, I contacted Bank of America to report the unauthorized charge of XXXX, and specifically requested that payment be stopped before it was processed. it ]. 

Despite my explicit request to stop payment and the fact that the charges had not yet been fully processed, Bank of America authorized the unauthorized charge of XXXX. This action directly contradicts my instructions and has compounded the financial damage caused by the fraudulent activity. Their failure to honor my request to stop payment before processing the charges demonstrates a lack of reasonable care and has caused me significant financial harm. 

I am requesting the CFPB 's assistance in resolving this matter. I seek a full refund for the inflated charge, as well as an investigation into Bank of America 's handling of this fraudulent activity and their failure to comply with my stop payment request. I will pay the XXXX. I did not sign for XXXX. 

Thank you for your time and consideration.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a product through XXXX, but due to a shipping error by the seller, I did not receive the item. As a result, I filed two claims through XXXX. 

The first claim was for {$1400.00}, and I won the case through XXXX, successfully receiving a refund. 

The second claim was for {$3400.00}, out of which I initially received a {$650.00} refund from the seller, but I have not yet received the remaining {$2700.00}. To resolve this, I filed a dispute with Chase, which is still in progress. 

However, despite XXXX officially processing my refund, Chase arbitrarily claimed that the refund was an " over credit '' and forcefully rebilled me {$2100.00}, charging the amount back to my account. 

I have contacted customer service multiple times, explaining that they are mistaken and requesting a correction. However, they refused to assist me and even forcibly disconnected my call. 

To put it simply, the {$1400.00} and {$650.00} refunds I received from XXXX were legitimate, and I am currently waiting for the outcome of the {$2700.00} dispute. In the meantime, Chase rebilled the previously refunded {$1400.00} + {$650.00} = {$2100.00}. 

Even though these are completely separate transactions, Chase insists that the {$2100.00} is part of the {$2700.00} case, which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ... .closed an account and opened a newone without knowledge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX : XXXX XXXX XXXX, XXXX Ga XXXX. ( XXXX ) XXXX ( P ) XXXX Dear CFPB, I am writing to file a formal dispute and seek your assistance in resolving an issue I am experiencing with Contract Caller Collections. On XX/XX/year>, I noticed a collection from the Contract Callers collection agency on my credit report.I had no knowledge of this collection, nor did I receive any mail or phone communication, or an opportunity to dispute or investigate this collection. This collection Agency has not provided with any information on this debt prior to me finding it on my credit file but placed a collection on my Consumer report. i have not been given a chance to dispute or research this collection. According to 12 CFP1006.34 ( c ) ( 4 ) ( 1 ). This Collection Agency is violating my consumer rights by using false and deceptive by placing this collection on my consumer report. This collection agency has no authority to furnish any account to my report without providing all disclosures required by law and they are in clear violation of 12 CFR1006.34 ( d ) and 15 usc1681-S 2 ( 7 ) ( A ). I am requesting that this collection is removed immediately from my consumer report, giving me time to investigate this collection.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
I am following up on my previous dispute, which I submitted last month regarding a fraudulent account and inaccuracies in my personal information on my consumer report. Despite providing clear evidence and detailed explanations of the inaccuracies, the disputed negative accounts remain on my new report without any changes. Under federal law, consumers are entitled to a fair and thorough investigation of disputes. Your agency has failed to comply with 15 USC 1681i ( 7 ), which requires a detailed description of the procedures used to verify the disputed information. I am requesting a detailed Method of Verification ( MOV ) for each disputed item, as required under 15 USC 1681i ( 7 ). Specifically, I need the name, address, and phone number of the information furnisher ( s ) involved, along with the name and title of the person ( s ) contacted during your investigation. Additionally, I request any supporting documentation, such as the original contract containing my signature, and a clear explanation of the procedures your agency follows to ensure accuracy under 15 USC 1681e ( b ). This information must be provided within 15 days of receiving this request, or you will be in direct violation of federal law, requiring immediate deletion of the disputed items. One specific disputed item is the fraudulent and unauthorized account with XX/XX/XXXX, Account Number : XXXX. I did not authorize this account and it does not reflect any legitimate transaction involving me. Under 15 USC 1681c-2, I am entitled to the removal of items resulting from identity theft. I have already provided sufficient documentation, and you are required to block and delete this item within four business days of receiving the evidence. This ongoing failure to comply with federal law has caused me significant emotional distress.

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 2025-02-04 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
Experian has reported incorrect information on my credit report. This information includes 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 2025-02-04 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation