vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I booked a XXXX XXXX  at which time my debit card was charged twice for the same amount ( {$240.00} ) and when I talked to XXXX, they told me they can not do anything about the charge and I need to report it to my bank so I reported it to my bank and my bank shut off my debit card as a fraud transaction instead of a double charge Therefore leaving me without a physical debit card for up to two weeks and I have a trip coming up that I need my physical card for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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:
Subject : Correction to Previous Experian Dispute Request of Inaccurate and Unauthorized Information. New Request to Include The Removal of Late Payments and Inquiries. 

I am writing to formally dispute inaccurate and unauthorized information appearing on my Experian credit report. These accounts were added due to a data breach and are not authorized or representative of my financial history. I request immediate investigation and removal of the following accounts from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX request corrections for the following accounts due to inaccurate reporting of late payments. These accounts should not be closed, but the late payment entries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), I assert the following rights and request specific actions to address this issue : Under 15 U.S.C. 1681i ( FCRA 611 ) : I request that the disputed information be investigated and verified as accurate. If the disputed accounts can not be verified, they must be deleted from my credit report.

Under 15 U.S.C. 1681e ( b ) ( FCRA 607 ) : Experian is obligated to ensure maximum possible accuracy in reporting my credit information. These accounts are inaccurate and result from identity theft or misreporting tied to the referenced data breach. 

Under 15 U.S.C. 1681c-2 ( FCRA 605A ( b ) ) : I request that these fraudulent items be removed as they stem from a breach of my personal data.

Under 15 U.S.C. 1681g ( FCRA 609 ) : I request access to all documentation, records, and communications related to the inclusion of these accounts on my credit report.

Given the widespread data breaches that have affected financial institutions and compromised consumers ' sensitive information, I believe these accounts may have been fraudulently opened or erroneously reported. I demand that these accounts be thoroughly investigated in compliance with FCRA requirements and deleted from my credit report if found unverifiable or inaccurate. 

Additionally, under the Federal Trade Commission Act ( 15 U.S.C. 45 ), it is illegal for businesses to engage in unfair or deceptive practices. Reporting inaccurate or fraudulent accounts on my credit report due to negligence in protecting consumer data constitutes a violation of this statute.

I have attached all relevant documents to support this dispute, including copies of my Experian credit report highlighting the disputed accounts.

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 2024-12-01 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: CA

Complaint narrative:
I am a victim of identity theft and have discovered fraudulent accounts and unauthorized inquiries on my credit report that I did not authorize. 

Fraudulent Account : XXXX XXXX  I - Account Number : XXXX Unauthorized Inquiries : XXXX - Inquiry Date : XX/XX/year> XXXX - Inquiry Date : XX/XX/year> XXXX  - Inquiry Date : XX/XX/year> I have no association with this account or these inquiries. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which mandates that credit reporting agencies block information resulting from identity theft upon proper documentation.

I have provided an identity theft report and affidavit to support this dispute and request the immediate removal of the fraudulent account and unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report and found items being reported inaccurately on my account. These accounts below have been sold/written off profit for loss and account balances reflect XXXX therefore should not be reporting on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} Also a letter of validation was sent out to XXXX XXXX XXXX on XX/XX/XXXX and it has been 30 plus days no response due to the address being incorrect in not in the place of business stated on the credit report. The post office sent to address referred and no response of validation other then the debt being sold. Debt has already been resold

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I received a hard inquiry from capital one that was not me. I contacted capital one and the saw the application that was submitted and told me that they have submitted to the three credit bureaus that it was not me. I was told to contact consumer finance.gov and reported to you guys too. I have also contacted XXXX XXXX and told him about the problem, but I still have the inquiry on my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ON XXXX XXXX I sent certified mailed to XXXX it was a pre-arbitration letter it is now XXXX XXXX and I have not heard from them 60 days This means my demands should be in effect ASAP Please see attachments of the mailing details

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ON XXXX XXXX I sent certified mailed to XXXX it was a pre-arbitration letter it is now XXXX XXXX and I have not heard from them 60 days This means my demands should be in effect ASAP Please see attachments of the mailing details

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 2024-12-01 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: AZ

Complaint narrative:
I am a victim of XXXX XXXX. I mailed in the packet on XX/XX/year> Priority mail along with obtaining a receipt and XXXX  number ( XXXX XXXX ). Two months have gone by and no word from Experian. The negative data furnishings are still being reported. I decided to call the XXXX  XXXX  hotline for Experian at XXXX and they suggested I upload those documents online because they claimed that they never received the packet. I then went and got new documents with current date and signatures then uploaded and submitted my attestation letter notarized along with proof of the non-governmental organization ( NGO ) certification, Internal Revenue Services ( IRS ) nonprofit documents EIN letter, Derogatory items that are requested to be blocked from the data furnishing reports and the NGO 's contact information. I also included a current utility bill, copy of my social security card and identification ( ID ). Experian has denied my claim without following through with my request to block the derogatory data furnishings without reasonable explanation. I enclosed all the correct documentation that was needed in this process.

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 2024-12-02 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: NC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Form 1099-C ( Cancellation of Debt ) Dear CAPITAL ONE, I am writing to request that you issue a Form 1099-C ( Cancellation of Debt ) for the debt that was canceled in my account XXXX with your institution. As required by IRS regulations, I understand that you must report any canceled debt of {$600.00} or more, and I want to ensure that this is accurately reflected for my tax reporting. 

As reported in my credit reports, the canceled debt relates to the amount of {$930.00} and was discharged on XXXX. Please send the 1099-C to my address listed above or provide instructions if there are any further steps required to receive the form. 

If you need any additional information, please do not hesitate to contact me. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Dispute of Inaccurate Information in XXXX Report Dear XXXX Team, I am writing to formally dispute certain inaccuracies in my XXXX report. I believe the following information does not accurately reflect my financial status, and I request an investigation and correction as necessary. 

My personal information is as follows : - **Full Name : ** XXXX XXXX - XXXXAddress : ** XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX **Social Security Number : ** XXXX - **Date of Birth : **XX/XX/XXXX The specific entries I am disputing are as follows : 3. **Source of Information : ** Citibank , California - **RTN/ACCT # : ** XXXX / XXXX - **Reported For : ** Account Abuse - **Date of Closure : ** XX/XX/XXXX - **Original Charge Off Amount : ** {$1100.00} - **Closure Status : ** Unpaid I dispute this entry as it does not accurately reflect my account status, and I request a thorough investigation. 

Please investigate this matter and correct the inaccuracies in my report. I would appreciate a written response confirming the results of your investigation and any corrections made to my report. 

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

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Good evening, I hope this message finds you well. I recently contacted the collections agency regarding the account in question and successfully reached a settlement agreement. I have since paid the agreed amount in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX License : XXXX Dividend finance. 

XXXX : New roof and solar installed. 
XX/XX/XXXX : It was obvious that the system installed is not the system I paid for by looking at the power generation. 
XX/XX/XXXX : Sent text message to the sales rep ( XXXX XXXX who never answered. 
XX/XX/XXXX : Called sales rep ( XXXX XXXX twice and went straight to voicemail. 
XX/XX/XXXX : Called operations ( XXXX XXXX ) and discussed how I am extremely unhappy with the solar results. He told me to email him and his office manager XXXX XXXX XXXX ) and himself. In an email XXXX said " If after a full year of production, and your system doesn't produce at least 85 % of the promised estimated production in your contract, we will add additional panels at no additional cost to meet that production moving forward. '' XX/XX/XXXX : Emailed XXXX after having the system for a year and analyzing the output to reveal the system produced 48 % of what they promised. Asked for the additional panels. Told that they would review my case. 
XX/XX/XXXX : XXXX asked about tree trimming. I replied with pictures showing my trees are not blocking my roof. 
XX/XX/XXXX : XXXX said her manager will review. 
XX/XX/XXXX : No response to my request for an update. 
XX/XX/XXXX : No response to my request for an update. 
XX/XX/XXXX : XXXX asked for more information about my trees. I responded and gave more pictures. I also said that she already committed to installing more panels and the tree talk is irrelevant. 
XX/XX/XXXX : No response to my request for an update. 

The loan is fraudulent. The service company delivered less than half of what was promised and will not remedy. 
Owe : {$120000.00} ( Financed {$80000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am submitting this complaint regarding an issue I encountered with Bank of America branches in XXXX, MA, which caused significant inconvenience and financial loss. 

On XX/XX/year>, I visited the Bank of America XXXX XXXX branch to request a certified check for {$17000.00} ( plus a {$15.00} fee ) to finalize a vehicle purchase ( XXXX XXXX XXXX XXXX, XXXX MA ). As per the agreement with my dealer, this transaction had to be completed on the last working day of XXXX. Unfortunately, due to technical issues at the branch, I could not obtain the check. The staff directed me to the XXXX branch, assuring me this would not impact the transaction. 

At the XXXX branch, the staff attempted to confirm the transfer with XXXX XXXX. Still, despite their professional demeanor and efforts, they faced prolonged delays in communication with the XXXX XXXX team. Ultimately, I was informed that the funds had been frozen and that I would need to wait until the next business day to obtain the check. 

This delay caused : ( 1 ) Damage to my business relationship, as I had to reschedule the transaction with my dealer.

( 2 ) Additional expenses for transportation to revisit my dealer.

( 3 ) The loss of credibility due to an inability to meet the agreed deadline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-01 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: AZ

Complaint narrative:
I am a victim of XXXX XXXX. I mailed in the packet on XX/XX/2024 Priority Express mail along with obtaining a receipt and tracking number ( XXXX XXXX ). Two months have gone by and no word from Equifax. The negative data furnishings are still being reported. I decided to call the XXXX  XXXX  hotline for Equifax at XXXX and they suggested I upload those documents online because they claimed that they never received the packet. I then went and got new documents with current date and signatures then uploaded and submitted my attestation letter notarized along with proof of the non-governmental organization ( NGO ) certification, Internal Revenue Services ( IRS ) nonprofit documents EIN letter, Derogatory items that are requested to be blocked from the data furnishing reports and the NGO 's contact information. I also included a current utility bill, copy of my social security card and identification ( ID ). Equifax has denied my claim without following through with my request to block the derogatory data furnishings without reasonable explanation. I enclosed all the correct documentation that was needed in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing in reference to the account with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, TX XXXX, which you claim I owe. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. 

This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. 

Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear LVNV Funding I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for an XXXX card through Chase Bank. There was a hard inquiry placed on my credit report. Shortly after I received a letter asking me to call a number to confirm that I actually applied for the card. I called the number and confirmed that I did indeed apply for the XXXX card. Weeks went by and I did not receive an approval or a denial notification. I called Chase to inquire about my application. The man took my information and said I would have the card shortly. To my surprise there was another hard inquiry placed on my credit report and a few days later another letter came asking me to verify that I actually applied for the XXXX card! I called Chase yet again and this time the woman told me the application is closed and she could not speak to me on the matter. In the end I never received a card or a denial letter, yet there are two hard inquiries on my credit report. This has affected my score and my ability to get a loan.

Company response to consumer: Closed with explanation