vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: SD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
My card and my drivers license with my wallet was taken and stolen from my on XXXX XXXX and my debit card was fraudulently used online for a merchant I have no past transactions with for the amount of {$1800.00}. I contacted and reported the fraudulent unauthorized use to my bank company Sofi and the are refusing to resolve my issue. I filed an appeal and they are denying me my rights as a consumer. I found the contact information of the merchant and contacted them as well as reported them to the FTC. My bank company is refusing to help me through this process and I am seeking legal action soon if my needs are not met

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Atlantic Recovery Solutions LLC
State: MI

Complaint narrative:
They have called from a number that says " XXXX XXXX '' or XXXX XXXX insurance number. They have texted me numerous times from different numbers. I have texted back asking for the actual company name, address and direct number to confirm their identity and accuracy. Thy do not respond instead they call and say they received my text and consider it a sign that I'm refusing to pay. I had no idea what the debt is about or who original owner was until the other day. As they never disclose that information. They have called family members, who have asked what the call was about to which a man named XXXX told them it was a debt collection. A man named XXXX left a voicemail stating he tried to mail me documents but it keeps coming back undeliverable from my post office. I called my post office to which the lady even spoke directly to my mail man and both stated that is not accurate there has never been any mail from the company he stated nor from anyone that was not able to be delivered. My post office told me to block the number as it appears to be a scam. I have never, not even once received any physical documentation from this company informing me of any debt owed. I once received a text message with information saying what the original debt was and how much is owed. I called the original debtor automatic and they gave me a number to call. I called that company XXXX  and they told me they hired a company XXXX and gave me their direct number and account number so that " you dot give a debt collector your social security number '' I explained I thought this was already paid directly to the original company and she told me to contact them and get a letting stating what I paid and to go from there. Stated whenever they call or text to ask for their company name, address and number to confirm accuracy. I called the direct line to XXXX and asked for their name she gave me XXXXXXXX XXXX XXXX. I informed her that they are calling from XXXX govt numbers. And refusing to provide information to confirm their real identity- company name address and phone number. I informed her of me speaking to XXXX who hired them. And that I will be contacting the original owner of debt and then calling XXXX back to resolve it. She said okay, I have since received multiple calls telling me my deadline has been reached and they are writing this off as refusal to pay because this is the new year. They tell me this is beyond me now and to have my lawyer call them. It's almost as if they do not want to actual solve the issue but enjoy threatening and hiding their identity, like a game for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-02 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: WI

Complaint narrative:
I looked at my report and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follows reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX are not complete and accurate and the Credit Bureau Equifax answered the dispute with verified and no change. And one more thing according to 15 USC 168s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-01-02 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:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I was told that they could not prove proof of owership but that i owe a balance of {$2500.00}. I informed them that I was not aware of such an account and I was not the owner. The consumer begin to harass me with repeat phone calls from block and unknown numbers. The creditor phone number who is a 3rd party is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello, I am contacting you regarding an ongoing issue from XXXX of XXXX. I used a Synchrony Bank credit card for this transaction, and this order was placed on XXXX XXXX. 

The issue is that I never received the merchandise as promised ; the XXXX tracking showed it was delivered and signed for by me ; however, I was in a different state at the time of delivery, so there was no way I was able to sign for the package. I contacted the merchant, but they did not want to assist, so I took it a step further and contacted Synchrony with this issue. 

Initially the process was smooth ; I provided the bank with documentation proving that I was not home at the time of delivery, that XXXX determined the package was lost, and conversations between XXXX and me showing that the merchant doesn't want to cooperate. 

Every time I opened a claim, Synchrony would close the claim out with outdated proof of delivery. When I refuted that evidence with up-to-date documentation, they ignored it and closed the claim again with the outdated documentation. I have spoken to them countless times on the phone and been transferred to their " top managers, '' but nothing gets resolved. 

Attached will be all relevant documentation from my flight itinerary to XXXX chat logs. 

Here are all the claim IDs from Synchrony. 

XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Here is the XXXX tracking number ( it's over XXXX  days old, so you can't view it ). 
XXXX Companies involved with the issue : Synchrony Bank XXXX XXXX XXXX To summarize documentation, you will find XXXX screenshots of chat logs with XXXX, XXXX email from XXXX, the tracking from the XXXX  site before it expired, and a flight itinerary proving I was not home to sign for the package. 

Thank you.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the 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 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My private information was exposed to those that would use it for nefarious purposes. I did not provide consent to the credit reporting agencies and yet, my personal information can be requested and released to those that pay for it. With the recent data breaches, my information is now in the hands of hackers that, due to the lax security standards in place at the three major reporting agencies, can now use it for whatever they choose, including selling to the highest bidders. My report is now riddled with various items that create a barrier to my living situation.

According to 15 U.S.C. 1681 : - Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Since the privacy of my information was not protected and the responsibility of the agencies Transunion, XXXX, XXXX was not properly upheld, this must be rectified. Their failure to properly safeguard my information has caused significant harm to my livelihood.

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 2025-01-02 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: PA

Complaint narrative:
My private information was exposed to those that would use it for nefarious purposes. I did not provide consent to the credit reporting agencies and yet, my personal information can be requested and released to those that pay for it. With the recent data breaches, my information is now in the hands of hackers that, due to the lax security standards in place at the three major reporting agencies, can now use it for whatever they choose, including selling to the highest bidders. My report is now riddled with various items that create a barrier to my living situation.

According to 15 U.S.C. 1681 : - Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Since the privacy of my information was not protected and the responsibility of the agencies XXXX, Equifax, XXXX was not properly upheld, this must be rectified. Their failure to properly safeguard my information has caused significant harm to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal is claiming I owe them a debt that was charged back. I used a credit card that I was authorized to use to send myself cash sometime in XXXX -- the card was issued from the credit card company to XXXX XXXX, who added me as an authorized user. They sent me a card in my name. The total of the transaction came to {$69.00}. I contacted PayPal, sent photos of the card, explained that the charge WAS authorized and they reinstated the account saying I didn't owe anything. Then, I later continued getting notices that I owed on the account, when there should have been no debt owed and no indication of a chargeback. Then they added a {$15.00} late fee. Last week, I received a notification of debt owed to them by a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I do not owe this debt. I have gone back and forth with PayPal over this, and they keep harassing me about this debt that was authorized. I've attached correspondence from them, as well as a photo of the XXXX XXXX collection agency letter. I have pretty impeccable credit, and this needs to be removed from my account as a debt owed, as it could negatively affect my score. 

The XXXX XXXX address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference number : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2025-01-02 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: Aqua Finance, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AUSSRQ Holdings, LLC
State: TX

Complaint narrative:
Debt Collector Harassment and Credit Reporting Issue During the Covid-19 pandemic, I settled a debt in full with the creditor and believed the matter was resolved. However, a debt collection agency has now added a negative report to my credit profile, claiming I still owe the amount. Despite providing evidence of the settlement, they are persistently hassling me with demands for payment. Their actions are causing undue stress, damaging my credit score, and appear to be unfair and potentially illegal under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation