vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: GA

Complaint narrative:
{$12000.00} was stolen from my Discover Bank savings today. I got no help and had to call 3 times to get the account frozen so more money wouldnt be stolen due to incompetent employees who apparently cant freeze an account. I still dont have my money back or any reassurance that I will be refunded even though they admitted that the XXXX was in another name ( XXXX XXXX that has no affiliation with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-18 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:
I am writing to dispute the accuracy of information in my consumer report, pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ). This letter is in reference to my previous CFPB complaint [ XXXX submitted on XX/XX/2024 ], in which I requested, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block all of the accounts, collections, and hard inquiries identified in that complaint from my consumer credit file within 4 business days of receiving said complaint. 
Experian failed to comply with my initial request and has not properly verified the claims made in my CFPB complaint. Therefore, I am invoking my rights under FCRA 611 to demand that Experian : Reinvestigate all items contested in my initial CFPB complaint. 
Provide detailed information on the method of verification used in your initial response to my CFPB complaint, including the specific sources of information consulted. 
If unable to verify the contested items using reliable sources, delete all such items from my credit report. 
Please note that I have previously filed and attached FTC Identity Theft Reports [ Numbers XXXX, XXXX, XXXX, XXXX ] related to these disputed items. It is my understanding that these reports were not properly considered in your initial investigation. 
Under FCRA 611 ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires Experian to provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, if reasonably available. 
If Experian is unable to verify the accuracy of the disputed information through this reinvestigation process, I demand that Experian promptly delete or modify that information in accordance with FCRA 611 ( a ) ( 5 ) ( A ). 
Experian must be advised that failure to comply with this request may constitute willful noncompliance with the FCRA, potentially subjecting Experian to liability for 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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Hello this year I found that my personal information was put out into the world in more than one data breach. This has caused my credit information to be wrong and given me credit issues because now I am the victim of identity theft. I have frozen my credit, reported to all 3 credit bureaus asking that false items and misrepresented items be removed. I reported to XXXX XXXX XXXX and more. But per 15 U.S. Code 1681e ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hello this year I found that my personal information was put out into the world in more than one data breach. This has caused my credit information to be wrong and given me credit issues because now I am the victim of identity theft. I have frozen my credit, reported to all 3 credit bureaus asking that false items and misrepresented items be removed. I reported to XXXX XXXX XXXX and more. But per 15 U.S. Code 1681e ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

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 2024-10-17 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: FL

Complaint narrative:
Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and never contacted me and ruined my credit and this is illegal i contacted my lawyer and he said to call the creditors and ask for contracts and signatues to at least know who did this to sue them and no response and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose here is the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and never contacted me and ruined my credit and this is illegal i contacted my lawyer and he said to call the creditors and ask for contracts and signatues to at least know who did this to sue them and no response and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose here is the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FloridaXXXX DOB : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I am writing to formally request corrections to my credit report as I have identified several inaccuracies that require immediate attention. This is the second time I am submitting this request. If the inaccuracies are not resolved, I will be compelled to pursue all legal avenues available to me, including civil action. 

Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , Florida XXXX Additionally, I request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls.

I would like to remind you that under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as mandated by law.

Moreover, I would like to highlight the following sections of the FCRA : Section 605 : Prohibits the inclusion of outdated information in credit reports. Please ensure any outdated information not meeting the FCRAs timing requirements is removed.

Section 623 : Requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when disputed by the consumer.

I look forward to your prompt response and expect a resolution to these inaccuracies within the stipulated time frame.

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 2024-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
XXXX XXXX threw my checking saving at SoFi online banking. I was a no d had vs it hooked to the XXXX app before i found I was looking at a domain not of omg its bizarre but. Money hands over fist flowing out my investments buys in changed, market prices. The amount of stock purchases XXXX off top. My head XXXX purchsedc see XXXX, another XXXX shares and over XXXX. Both these $ XXXX cents to {$.00} cents time purchases and up in. Dollars now its happened at XXXX online and XXXX just idea {$5000.00} nvida at the end XXXX and Ive not collected. At dividends one or Ive been so robbed. It. Continuing daily the things done to my gear XXXX XXXX my. XXXX XXXX XXXX right now Ive been trying. To get my verified code all day all my emails its spilled out b everything. It has been XXXX its been really deceitful and deceptive I needed get something b outs my battery about to die but FTCCsaid do not wait. Thank you for Finally getting back to me this been so hard absolute XXXX Id love. Pay my taxes on my fortunes I. Earned. Unlike XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Regarding Inaccuracies and Time-Barred Debts on Experian Credit Report - Report No. XXXX Dear CFPB, I am writing to formally lodge a complaint regarding multiple inaccuracies and outdated information on my Experian credit report, reference number XXXX. These issues are affecting my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). 
The specific issues I am encountering are as follows : Inaccurate Information : My credit report contains numerous errors, including accounts I have not authorized or do not recognize. 
Time-Barred Debts : Many of the debts listed are past the statute of limitations for collection under Georgia law ( O.C.G.A. 9-3-25 ), which is four years. Despite this, they are still being reported as outstanding. 
Failure to Update Information : Several debts and negative items remain on my report well beyond the legally allowable reporting period. 
I have contacted Experian to dispute these inaccuracies, but they have failed to correct the errors within a reasonable timeframe. This unresolved situation is causing unnecessary harm to my credit score and financial standing. 

I kindly request that the CFPB intervene and ensure that Experian corrects the inaccuracies, removes all time-barred debts, and updates my credit report accordingly. I would also appreciate guidance on further steps to ensure my rights under the FCRA are upheld. 

Please feel free to contact me if additional information or documentation is required to investigate this matter further. I appreciate your prompt attention to this serious issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: IL

Complaint narrative:
I recently disputed the accuracy of certain information on my credit report and I have received a response. XXXX and XXXX both found inaccurate reporting on this account and deleted it from my credit report. However, I am not satisfied with the outcome of the Equifax reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item : Disputed Item : 1. Account Name : XXXX XXXX XXXX Credit Card Account Number : XXXX Reason for Dispute : Payment history does not make sense. Also, each month the account is reporting as charged off which extends the statues of limitations. The report states charged off, but also shows a balance. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information. 
2. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: IL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the immediate blocking and removal of the following fraudulent accounts and addresses from my consumer credit report. These accounts and addresses are a result of identity theft and fraud that occurred during my period of trafficking. I expect Experian to take action within the four business days as required by FCRA. 

The following accounts were fraudulently opened without my knowledge or consent : XXXX XXXXXXXX XXXX  Account Number : XXXX Balance : {$13000.00} Date Opened : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$23000.00} Date Opened : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$3600.00} Date Opened : XXXX XXXX Additionally, the following addresses, which I have never resided at, were fraudulently added to my credit report and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my claims, I have attached the following documentation, which has already been accepted by other credit bureaus for the removal of these fraudulent accounts and addresses : FCRA Section 605C Self-Attestation Form Notarized Identity Affidavit Notarized FTC Identity Theft Criminal Complaint # XXXX Notarized Utility Bill Proof of Removal from XXXX and other credit bureaus In addition, I am a victim of the XXXX XXXX XXXX ( proof attached ), which has further contributed to the misuse of my personal information.

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 2024-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I received a credit report for a debt collection from XXXX, from a debt that was sold to ability recovery services from XXXX XXXX XXXX. 

1. I  visited XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX which all was supposed to be paid for by the state of texas, from my understanding. Which is why I was offered a bed to stay. 
2. I am completely unaware of this collection or debt. 
3. I have lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX since XX/XX/XXXX and have yet to recieve 1 piece of mail from either XXXX XXXX XXXX or ability recovery services. Since I have lived here, nor have I been contacted by email or phone. 
My email is XXXX My cell is XXXX Here I am 4 years later on a debt Ive never received the first bill or balance for being reported for my credit for being a month late in collections.

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 2024-10-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently disputed accounts & inquiries on my consumer report that are a result of identity theft and they came back verified. Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) I have the right to request an explanation of the verification method used I am requesting the method a verification that you used for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of Verification- Description of reinvestigation produce. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph 15 U.S.C. ( 6 ) ( B ) ( III ) - a notice that, if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of information contacted in connection with such information and telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I am NOT asking you to reinvestigate but Im asking for the method of verification. Please provide me with the following information to insure 100 % accuracy. If you can not provide this information within 15 days please remove this item from my consumer report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved

Company response to consumer: Closed with non-monetary relief