vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: AZ

Complaint narrative:
I have XXXX secured credit cards with XXXX XXXX XXXX XXXX, I have made payments to get the balance down and as of now the balance is {$790.00} for XXXX and the other credit card has a credit of {$17.00}. On Experian it reflects my credit card balances as {$950.00} for which balance should be {$790.00} and other card balance shows {$300.00} and it should be {$0.00}. I spoke to XXXX XXXX and they advised they report to credit bureaus XXXX business days after payment is received and to dispute inaccuracies. I worked too hard on my credit and paying my credit cards on time to have my utilization reflect higher than normal and causing my credit score to be impacted significantly. Please update my Experian credit report to show correct balance. Thanks in advance.

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 2025-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
XXXX. Background On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX. The XXXXetail Installment Sales Contract ( RISC ) executed for the transaction constituted an irrevocable letter of credit. Subsequently, this contract was assigned to Exeter Finance, resulting in a material alteration of the suretys risk, implicating provisions under Georgia law, specifically XXXX. XXXX through XXXX. 

XXXX. Contractual Violations The RISC explicitly prohibited the use of cash in credit transactions, aligning with the standard conditions of a simple interest RISC contract. However, despite this, I was coerced into making an {$18000.00} down payment at the dealership. This requirement violated the terms and spirit of the contract, particularly considering that all financing charges, including those for insurance and warranties, were already embedded within the financed amount. 

XXXX. Attempted Redress and Subsequent Novation Upon discovery of the irregularities, I promptly requested the return of the {$18000.00} down payment, a request which the dealership refused. Further complicating the matter, the loan was resold on XX/XX/XXXX, constituting an additional novation under Georgia contract law. Given the original contract 's XXXX term, this event significantly affects the contractual obligations and entitlements. 

XXXX. Rescission Under TILA Pursuant to my rights under the Truth in Lending Act ( TILA ), I initiated my first notice of rescission to all relevant parties. Despite this, creditors proceeded with unauthorized self-help repossession attempts without securing a replevin bond, violating applicable legal standards for repossession under Georgia law XXXX Consequently, I have filed a second formal rescission. 

XXXX. Continuing Injury and Complaint to CFPB Despite the assignment and resale of the loan, negative reporting persists on my credit profile. Notably, no IRS XXXX XXXX ( Cancellation of Debt ) was issued to me following the charge-off, further compounding the legal violations. In light of these facts, I am preparing to submit a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to seek rectification, including the removal of erroneous and unlawful negative credit reporting. 

XXXX. Conclusion The sequence of events described above demonstrates serious violations of contractual obligations, Georgia surety law, federal lending regulations under TILA, and credit reporting standards. Redress is hereby sought to restore my rights and ensure compliance with all relevant legal frameworks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a ACCOUNTS- XXXX XXXX  OPENED XXXX, XXXX XXXX XXXX OPENED XXXXXXXX XXXX XXXX  OPENED XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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:
XXXX XXXX account # XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : * * Subject : Formal Dispute and Demand for Removal of Inaccurate Charge-Off Account * * To Whom It May Concern, I am writing to formally dispute the following inaccurate and unlawful information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The account in question is : * * Reported as : * * Charge-Off with Balance This account is * * fraudulent and in violation of the FCRA * * for the following reasons : XXXX. * * Incorrect Reporting as Charge-Off with Balance * * The creditor has * * failed to issue me a legally required XXXX ( Cancellation of Debt ) * * despite reporting this debt as a loss to the IRS. This constitutes * * fraudulent reporting * * because they can not legally continue to collect on a debt they have written off for tax purposes.

2. * * Violation of IRS Tax Code & FCRA * * By reporting this debt as a loss to the IRS * * without issuing me a 1099-C * *, the creditor has * * misrepresented the debt status * *. If they claimed a tax deduction for this loss, the balance must be * * {$0.00} * *, and the account must be * * removed from my credit report * *. 

XXXX. * * False & Misleading Information * * The continued reporting of a balance while claiming a tax write-off is * * deceptive and unlawful * * under * * 15 U.S.C. 1681e ( b ) * *, which requires maximum possible accuracy in credit reporting.

* * Demand for Immediate Action : * * - * * Delete this account * * from my credit file immediately.

Under * * 15 U.S.C. 1681i ( a ) * *, you are required to conduct a * * reasonable investigation * * within * * 30 days * * and remove any unverified or inaccurate information. If this account is not corrected or removed, I reserve the right to pursue legal action under the FCRA, including filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
An account was opened with SoFi in XXXX of XXXX in the amount of {$5000.00} deposited via " Mobile Deposit '' with a check drawn from a Federal Credit Union. 
The money cleared the credit union and was successfully deposited into SoFi. SoFi has since emailed a notification that they closed the account ( we did not ask them to ) and would return the money to the originator. As of XX/XX/XXXX, the money is nowhere to be found! SoFi customer service is horrible. No one can tell us where the money is. The credit union has not received the money back in the account. We were advised to contact Consumer Financial Protection Bureau for assistance with getting the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
I am submitting supporting documents regarding the XXXX  data breach.

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 2025-04-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
I am submitting this complaint against Fair Collections & Outsourcing regarding a collection account in the amount of {$1900.00} that they are reporting to my XXXX XXXX XXXX XXXX  credit reports.

I have never received a validation notice from Fair Collections & Outsourcing as required under 15 U.S.C. 1692g ( a ). On XX/XX/year>, I sent a certified letter formally requesting debt validation. According to XXXX tracking, the letter was received and signed for by XXXX XXXX on XX/XX/year>. I have attached proof of delivery. 

In my letter, I specifically requested the following : Proof of acquisition by chain of assignment contracts ; The original signed agreement bearing my signature ; Proof of Fair Collections & Outsourcings authority and license to collect debt in my state ; Their license numbers and Registered Agent or Agent of Service; The name, address, and amount of the original creditor. 

Additionally, my letter served as a formal dispute and a cease and desist request for all collection activities until validation was provided. 

As of today, XX/XX/year>, I have not received any of the requested documentation or validation. Fair Collections & Outsourcing has continued to report this account without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ).

Attachments : Certified Mail Proof of Delivery Copy of Validation Request Letter Proof of Identity Documents Additionally, to fully verify my identity for this complaint, I have provided copies of my Drivers License, Social Security Card, and a recent credit card statement in accordance with 12 CFR 1022.123 ( regulations related to proof of identity for disputes ).

Attachments : Certified Mail Proof of Delivery Copy of Validation Request Letter Proof of Identity Documents Thank you for your attention to this serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: OH

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 explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This harmful/ erroneous information has been on my credit report of {$560.00} with CREDENCE RESOURCE MANAGEMENT has been reporting me delinquent since XXXX XXXX and has been harmful to my consumer report and I've filed an FTC report as well because I am not aware or of acknowledgement of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
so Ive already received two replacement credit cards the first one was in XXXX. I received it. I was never able to use it because they kept on declining the transactions. Chase took it upon themselves to send me a replacement which is the one ending in XXXX again I never received it in the mail and its already locked because of reasons I dont know. I just got a response from another complaint that I submitted and it had a XXXX XXXX number on the response saying if I wanted to get the lock lifted from card to call that number, I immediately called them. I went through the verification process. They said they the next step is to call me back. They didnt call me back mind you this is been an ongoing thing since I received the first credit card for some reason when I wanted to update all my information I was only able to update my billing address in my email address the phone number they couldnt update I dont know why but when they try to send me verification code to my phone number Ive never been able to receive one so for that reason, I got locked out of my account because the verification code. Were going to the old phone and they just ended up blocking it and I cant seem to get help from any customer service representative because once were done going to the verification process, they say OK. The next step is to give you a call back. Will call you back in a minute and nobody ever calls me back. Im having these issues with this account and these credit cards because of the customer service representative not because of me because I do everything right and verify my identity so Im not sure why they havent helped me why they continue to go to the process and verify my identity but still cant get the help Ii need to access my account I even tried to stop every representative before they we continue moving forward to explain to them that this is gon na happen because its already happening with every single representative before they try moving forward I explained to them that this is what the issue Im having because nobody ever able to send me a verification code for identity. Another way they told me they would call me back and they were coming back and I guss because t their ego is too big-they say well Im a different representative so lets lets see if we can get it done and its the same thing. Cant see the phone number verification code so they go to the process of asking questions and I pass those questions with flying colors and they say the next step is to give me a call back. Will call you back in a minute and I never receive a call so because they never call me back I always end up calling them back and it looks like theres a lot of fraudulent activity on my account and Im getting penalized for that so Im locked out of my account. I cant blame my phone number and I dont have a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
items on credit report inaccurate i asked company to delete items and they send me letters claiming that they investigated and items are accurate, I did not asked them to verify, i asked them to delete because they should not be in my credit report and/or those accounts are reported wrong or they are not mine. 
I already went to court and got this items dismissed, court paperwork attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OR

Complaint narrative:
XX/XX/XXXX I tried to retrieve {$1900.00} plus or minus due to XXXX  price changing. 

They are blocking the retrieval of my money and also not supporting me. Its been since XXXX and now its the XXXX. 

No support is being offered but the promise of escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had Reached out to Discover also on multiple occasions regarding these false charges discover too continues to send me monthly payment of {$330.00} for purchases I did not do I can contest to using it once at a dealership for one grand and so any charges before or after I have no memory to I has tried explaining this to discover However Discover Doesn't seem to care they call All Day Every day harassing me with calls.why the hasn't checked to see that my identity was stolen but they continue to harass me.i trys to do what I can because I had a perfect score before this identity mess now I'm fighting to fix something I didn't do and it's sad our race plays a great deal with these places that takes advantage of us and gives us no kinda help of resolve so I been struggling trying to save my score and reputation I wouldn't dare accumulate anything such as this on a fixed income I'm barely getting by.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: CL Holdings LLC
State: TX

Complaint narrative:
I recently pulled my credit report and notice that the following companies are reporting on my credit report inaccurately XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital System acct # XXXX XXXX XXXX XXXX XXXX they are reporting inaccurate on my acct. first of all duplicated accts./ charge off and reporting a balance the open dates are different and the high credit amts are being reported differently on XXXX  and XXXX. violates 15 usc 1681 and violate my rights. This account is is written as a charge off but I never received a 1099-C form. I did send out certified letter and they said in response that it was verify but it still hasn't been verified accurately. the companies are inaccurately reporting this acct status as a charge off acct so this acct is paid in full so add it as a paid acct.15usc1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I initially contacted Valley National Bank that has bought XXXX XXXXXXXX on XX/XX/2024 located at XXXX XXXX XXXX, XXXX and indicated that I am entitled to a retirement income plan of {$100.00} per month and a Sheltered Savings Plan of {$27000.00}. 

The bank contacted me on XX/XX/XXXX, and their response was the following : Thank you for sending these copies. 

You received this letter because you filed a claim for Social Security benefits. The Internal Revenue Service 's ( IRS ) records indicate that you participated in a pension plan, and the IRS provided this information to the Social Security Administration. 

Your participation in the pension plan does NOT necessarily mean that you are owed a benefit. I checked with our XXXX and XXXX XXXX XXXX XXXX and, unfortunately, they do not have nay record of the funds. This means that your account was already paid out. Receiving this notice is not a guarantee that you are still due a benefit. You may have received your benefit as a lump sum sometime after you terminated employment. 

I feel that the contact XXXX XXXX, the Benefits Analyst, did not effectively research this matter and just dismissed it since the Bank does no longer exist.

Company response to consumer: Closed with explanation