vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting a complaint against Equifax, Experian, and TransUnion for failing to address my credit disputes within the legally required timeframe. In XXXX and XX/XX/2024, I sent multiple dispute requests to each of these credit bureaus, seeking investigations into inaccurate information on my credit reports. 

Despite the Fair Credit Reporting Act ( FCRA ) mandating a response within 30 days, I have yet to receive any formal acknowledgment, investigation results, or supporting documentation from any of them. Their failure to respond constitutes a clear violation of federal law.

I am urging the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the credit bureaus uphold their legal obligations. Since they have failed to meet the 30-day compliance requirement, I am demanding the immediate removal of the disputed items from my credit reports, along with official written confirmation that the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am submitting a complaint against Equifax, Experian, and TransUnion for failing to address my credit disputes within the legally required timeframe. In XXXX and XX/XX/2024, I sent multiple dispute requests to each of these credit bureaus, seeking investigations into inaccurate information on my credit reports. 

Despite the Fair Credit Reporting Act ( FCRA ) mandating a response within 30 days, I have yet to receive any formal acknowledgment, investigation results, or supporting documentation from any of them. Their failure to respond constitutes a clear violation of federal law.

I am urging the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the credit bureaus uphold their legal obligations. Since they have failed to meet the 30-day compliance requirement, I am demanding the immediate removal of the disputed items from my credit reports, along with official written confirmation that the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate and Incomplete Information on Credit Report Dear Sir/Madam , I am writing to formally dispute certain information on my credit report. I have reviewed my credit file and have identified inaccuracies and incomplete information that I believe violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. I am requesting an immediate investigation and correction of these discrepancies. 

Details of the Disputed Information : Account Name : [ XXXX ( Orginal creditor : XXXX XXXX XXXX XXXX ) ] Account Number : [ XXXX ] Disputed Information : [ Incomplete/Inaccurate ] Date ( s ) of Discrepancy : [ Date oopened : XXXX last XXXX ] Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am entitled to dispute incomplete or inaccurate information that may affect my creditworthiness. I am requesting that TransUnion investigate the disputed entries, verify their accuracy, and ensure that all reported data complies with XXXX XXXX standards. The inaccuracies I have identified include the following : [ Explain in detail the nature of the dispute ] : Inaccurate/ incomplete delete immediately due to violation of 1681. 
[ Provide any supporting documents if available, such as proof of payments, account statements, or settlement agreements. ] Under Section 1681i of the FCRA, TransUnion is obligated to investigate and correct any information that is incomplete or inaccurate. In addition, as per XXXX XXXX standards, the credit reporting data provided must be complete, accurate, and up to date. Therefore, I am requesting that this information be thoroughly reviewed, corrected, or deleted as required. 

Requested Action : Investigate the disputed accounts and correct or delete any inaccurate or incomplete information. 
Provide me with the results of your investigation as required under the FCRA. 
If the information is found to be inaccurate or unverifiable, I request that you remove the information from my credit report immediately. 
Please also provide me with a copy of the updated credit report once the dispute has been resolved, in accordance with the FCRA 's requirement to provide a free report after a dispute resolution. 

I am requesting a response within the XXXX investigation period outlined in the FCRA. 

Thank you for your attention to this matter. Please let me know if you require further information to facilitate your investigation. 

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 non-monetary relief
Consumer complaint received 2025-02-20 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: NM

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 
Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
Accounts : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has this student loan account listed XXXX times on my consumer report. The accounts have the same late payments listed on each account. This account is adversely affecting my credit score. I have been denied credit because of Transunion inaccurate information. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have been repeatedly unable to login to their system because their two factor auth codes are not being sent, despite multiple attempts over a period of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
Subject : Dispute of Fraudulent Information Pursuant to Section 605B of the FCRA XXXX XXXX XXXX Account # XXXX  XXXX Dear XXXX, I am writing to dispute fraudulent information on my credit report that has resulted from the recent XXXX data breach. As a victim of this breach, I am requesting the removal of all fraudulent accounts or information listed under my name, in compliance with Section 605B of the Fair Credit Reporting Act ( FCRA ).

Under Section 605B, I am entitled to request that any fraudulent information resulting from the breach be removed from my credit report within four days of this dispute. Therefore, I am requesting that you : 1. Immediately remove any fraudulent accounts, inquiries, or other information related to the XXXX breach from my credit report. 
2. Provide written confirmation that these entries have been removed in compliance with the law.

As required by the FCRA, I ask that you process this dispute within the legally mandated four-day time frame. Please confirm in writing that these changes have been made and provide me with an updated credit report reflecting the correct information.

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

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/year>, SoFi Bank froze my checking account without prior notice, stating in an email that they had noticed " irregular activity. '' The email instructed me to contact their security department for further information. 

I immediately called the security department as instructed, but I was told they had no information and that my account was under internal investigation. No details were provided about the reason for the freeze, what specific activity triggered it, or what steps I needed to take to resolve the issue. 

I made multiple follow-up attempts via phone and email, yet I continued to receive vague responses with no timeline for resolution. Despite these efforts, SoFi did not provide any meaningful updates or instructions. 

On XX/XX/year>, after I sent a formal demand email through a legal network, SoFi finally responded, acknowledging my complaint and stating that my case was being reviewed by their internal Resolution Team. However, they still failed to provide a clear explanation for the restriction, a timeline for resolution, or any instructions on how I could regain access to my funds. 

This account freeze has caused significant financial hardship, as I have been unable to access my own legally earned funds for essential expenses. SoFi has failed to provide transparency, communication, or any opportunity for me to verify my identity or prove the legitimacy of my transactions.

I am requesting that SoFi : Immediately reinstate access to my funds or provide a clear and specific reason for the account restriction.

Provide a firm timeline for resolution rather than vague reassurances that it is under review.

Clarify what steps, if any, I can take to resolve this issue.

SoFis failure to provide timely communication and a resolution has forced me to escalate this matter. If this is not addressed promptly, I will consider further legal action. Their handling of this situation has been unacceptable and has caused undue hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
XXXX XXXX called me XXXX times between XX/XX/year> & XX/XX/year> which violates the XXXX prohibition on repeated or continuous telephone calls or telephone conversations.Subject to certain exceptions, a debt collector is presumed to violate this prohibition if the debt collector places telephone calls to a person in connection with the collection of a particular debt more than XXXX times within a XXXX-day period or places a telephone call within XXXX days after engaging in a telephone conversation with the person about the particular debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
False Credit Reports and the same false information is being reinserted into my Credit Report on XXXX and Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 explanation
Consumer complaint received 2025-02-20 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was completely shocked to discover that my credit report has been accessed and used without my consent. Applications were submitted in my name, and multiple companies pulled my credit report without my authorization. I do not recognize these fraudulent inquiries, nor did I apply to any of these entities. It is deeply frustrating and insulting that such a violation of my rights as a consumer has occurred. As a law-abiding citizen, I should not have to deal with the consequences of someone elses fraudulent actions. This situation is causing me immense stress, and I refuse to let it go unaddressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I am writing to formally file a complaint regarding your companys failure to honor our settlement agreement. Despite making my agreed-upon payment on time, I have been unfairly penalized due to a processing delay caused by the federal holiday ( XXXX XXXX ). 

On agreement date, I authorized a direct debit payment of settled amount as per the terms of our settlement agreement. However, due to the bank holiday on XX/XX/year>, the transaction was processed on XX/XX/year>. This delay was beyond my control and should not constitute a breach of the agreement. Despite this, my account was debited, and I have been unfairly penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: Alorica Inc.
State: WI

Complaint narrative:
In accordance with the fair credit reporting act, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose. 

SST/XXXX sold my account to XXXX XXXX without my written consent or knowledge. XXXX XXXX deleted this tradeline XX/XX/year> from all three credit reports. However SST/XXXX is still reporting this debt after they sold the debt to XXXX XXXX XXXX This account should be deleted immediately.

Company response to consumer: Closed with explanation