vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A fraudulent checking acct was opened at Citibank and used to hack into my XXXX XXXX acct and steal my direct deposit. The XXXX XXXX social security is investigating. The fraudulent person ( s ). Opened acct under different name and soc sec number but was able to funnel my direct deposit to that acct. I have also filed a police report with local police in XXXX XXXX sheriff dept. The criminal has stolen 4 months of direct deposit enclosed are the complaints filed with both banksof identity theft from my chime direct deposit chime checking account. This has been going on for almost 4 months. My ssi ( social security ) is somehow being routed to an illegal account at another bank where fraudulent party has established a fraudulent account. I am in touch with local and national authorities to remedy this m atter. What I need as a chime customer is information on what date the change occurred ; sometime between XXXX and XXXX of this year. I believe that your firm should have record through perhaps your internet acct dept or through another dept that would handle direct deposits is the receiving bank of such. Please consider this a complaint request. Please also return this message with any and all steps that you can take to remedy this problem. The amounts missing are as follows XXXX XXXX $ XXXX {$1600.00} XXXX {$1600.00} XXXX {$1600.00} ( cola increase )

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/year> I wrote a XXXX XXXX XXXX letter to Lexis Nexis to remove public information about a XXXX  that we not provided by the clerk of courts I also wrote another letter to provide proof of investigation to prove it was mine and the company failed to respond. This is causing hardship to my livelihood. Ive been consistent reaching out numerous of times and providing documents that they have been requesting and still no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received a credit alert from XXXX  that a new car was open on my credit. I did not authorized this transaction and I called chase to cancel this card and also asking them why this is keep happening. This is the second time they open a credit card without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I received a letter from Resurgent Capital they purchased my account but the account is from a credit card that my credit protection supposed to make the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
I applied for a switch to XXXX from the XXXX forbearance in XXXX and have not heard anything. I applied again in XXXX. I should have reached 120 payments in XXXX but because I am still on the XXXX program, 4 months are not counting. Additionally, because of the Mohelas platform switch, I do not have XXXX or XXXX counting on one of my loans ( weirdly both months count on my other loan ). Finally, I have a buyback request that I submitted on XX/XX/XXXX and have heard absolutely NOTHING. Not even an acknowledgment that they still have it outside of a reconsideration request number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I have filed for dispute with sofi with XXXX bank, and they denied my dispute RE : Acct # : XXXX Merchant Name : Multiple Transaction Date : Total Amount : {$2900.00} requested fof them to initiate chargeback and they havent they claim i have extensive relationship with merchant but i have not received any supporting documents to XXXX XXXX XXXX from them the correspondence with. The merchant they hace not corresponded with merchant or triedto initiate a XXXX  instead of them protecting me working wigh me they working against me

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 — Account information incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge off XXXX XXXX  - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$4200.00} XXXX XXXXXXXX - XXXX - {$4700.00} Late Payment XXXX  - XXXX - {$1400.00} XXXX - XXXX - {$300.00} XXXX XXXX XXXX - {$19000.00} XXXX XXXX  XXXX XXXX - {$270.00} XXXX - XXXX - {$1400.00} Personal Information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights, under 15 USC 1682 section 6O2, states I have the right to privacy, 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b, a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi I tried to close my American Express card in XXXX Unfortunately due to a 'technical error ' that Amex admitted to ( please see attachment ) the account remained open.

Over time, there was charge put on the card which I did not know about as I thought the card was closed as they confirmed.

I never paid off the charge and the multiple late fees piled up and negatively impacted by credit score some XXXX points.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$200.00}

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 non-monetary relief
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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$200.00}

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> I sent XXXX letters to the XXXX credit bureaus to report a few accounts that I believe are a result of identity theft, XXXX of the credit bureaus have not complied with blocking the information on 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 2024-12-26 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: GA

Complaint narrative:
Im alarmed by the amount of incorrect information Ive found in how some accounts are reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: WI

Complaint narrative:
I disputed inaccurate information reporting on on my XXXX credit report regarding late payments and past due balances on a charged off XXXX account for {$510.00} which has already been written off and requested it be removed, but was updated as accurate. Also, there are XXXX collection accounts XXXX Receivables for {$1900.00} and XXXX XXXX for {$520.00}. I informed them that the information was deleted from other bureaus and that they must report the same information and Remove them. I do not know nor have an agreement or contract with either XXXX of these collection agencies. I informed them that I know that they paid for my personal information which is identity theft. They refused my request and took the liberty to continue to report this damaging information to my file and we have no association. I requested the agreement/contract that binds us, which was ignored because they don't have XXXX. I have been denied credit and will be seeking monetary damages in the tune of {$5000.00} for continuing to damage my name. I informed them that they are not abiding by the FCRA laws and regulations. I need these XXXX items remove from my report and {$5000.00} in damages.

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 2024-12-26 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: WI

Complaint narrative:
I disputed inaccurate information reporting on on my XXXX credit report regarding late payments and past due balances on a charged off XXXX account for {$510.00} which has already been written off and requested it be removed, but was updated as accurate. Also, there are XXXX collection accounts XXXX XXXX  for {$1900.00} and XXXX XXXX for {$520.00}. I informed them that the information was deleted from other bureaus and that they must report the same information and Remove them. I do not know nor have an agreement or contract with either XXXX of these collection agencies. I informed them that I know that they paid for my personal information which is identity theft. They refused my request and took the liberty to continue to report this damaging information to my file and we have no association. I requested the agreement/contract that binds us, which was ignored because they don't have XXXX. I have been denied credit and will be seeking monetary damages in the tune of {$5000.00} for continuing to damage my name. I informed them that they are not abiding by the FCRA laws and regulations. I need these XXXX items remove from my report and {$5000.00} in damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Branch Messenger, Inc.
State: ID

Complaint narrative:
Branch App does not have a fraud prevention department. They have a computer that sends generic responces to fraud claims and they dont investigate any claims. I have not received any communications from Branch apps so called fraud department. I have XXXX unresponded emailed requests for attempted communication that were sent to this fraud department. Branch app support has submitted requests for contact to this fraud department on my behalf also unanswered. Not XXXX single Branch app support employee or supervisor can give you any contact information or even a name of a supervising individual in charge of the fraud department. I stongly believe with good reason that Branch app does not have a fraud prevention team like they are required by US Law to have. My Fraud claim was not investigated. Branch app should be liable to repay me the {$640.00} dollars I lost to fraud because they were negligent in their duty to properly investigate my fraud claim. I submitted police report and a fraud report filed with the FTC, neither of which were reviewed by the non existant fraud team during their alleged investigation. No supporting documents for their decision was ever sent to me. No communication has been made to me at all from this fraud team.

Company response to consumer: Closed with explanation