vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: MS

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : XXXX. Account Name XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Equifax account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Equifax account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

INQUIRIES : EQUIFAX 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 XXXXXX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
i have recently pulled my credit report and notice that there is a collection listing from your agency. i have never been notified of this collection action or that i owed the debt. this letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. i ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. and i will inform you that at this time if your office have or continues to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ) this action might constitute fraud under both federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: TX

Complaint narrative:
In my dispute with Equifax submitted on XX/XX/XXXX, I raised concerns about several accounts that I believe are inaccurately reported. The accounts include XXXX XXXX with a balance of {$0.00}, dated XX/XX/XXXX ; XXXX also with a balance of {$0.00}, dated XX/XX/XXXX ; and XXXXXXXX XXXX with a balance of {$0.00}, dated XX/XX/XXXX. Additionally, I disputed XXXX, which has a balance of {$5200.00}, dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, also with a balance of {$0.00}, dated XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX outstanding amount of {$680.00}, dated XX/XX/XXXX. 

What is particularly concerning is that the statuses of some of these accounts differ significantly across various credit reporting agencies. For instance, the same account may be reported as paid, in collection, or derogatory, depending on which CRA is being referenced. This inconsistency raises serious doubts about the accuracy of the information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: DC

Complaint narrative:
I am writing to formally request the removal of negative accounts from my credit report in accordance with the Debt Bondage Repair Act. These accounts were reported incorrectly as they are the result of debt bondage or other unlawful acts. I have enclosed the necessary paperwork that verifies this claim, including [ mention any specific documents, such as police reports, court orders, or government-issued documentation supporting your claim ].

I ask that you review the attached documentation and take the necessary steps to remove the inaccurate information from my credit report immediately. I am currently homeless and have included my passport for identification purposes. I understand that under the Debt Bondage Repair Act, you are required to remove or block any information associated with unlawful activity from my credit report. 
The following accounts should be removed : [ XXXX XXXX XXXX ] [ XXXX ] Transunion [ XXXX XXXX ] [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] transunion [ XXXX XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX XXXX XXXXXXXX ] - [ XXXX ] Transunion Inquiries to be removed XXXX XXXX XXXX XXXX Transunion ) XXXX XXXX XXXX ( Transunion ) Please confirm in writing once the negative information has been removed from my report. Additionally, if you require any further documentation or have questions regarding this matter, do not hesitate to contact me. 
I appreciate your prompt attention to this important issue and look forward to your swift response.

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 2024-10-14 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: NC

Complaint narrative:
I am writing to express my concern regarding the unresolved inaccuracies on my credit report. Despite multiple requests for a thorough investigation of these disputed accounts, no corrective action has been taken, and the errors continue to harm my credit file. These inaccuracies are causing significant personal and financial hardship. 

I kindly request that you conduct an immediate and comprehensive investigation into the disputed accounts. It is crucial that my credit report is updated and corrected without further delay to restore its accuracy and integrity. I trust you will treat this matter with the urgency it deserves. 

Thank you for your prompt attention and assistance in resolving this issue.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
Subject : Response to Possible Finance 's Statement Regarding Alleged Loan Account Dear Possible Finance Support, I am writing in response to your communication dated XXXXXX/XX/year>, regarding the complaint I filed concerning the inaccurate reporting of an account allegedly associated with me. 

First and foremost, I have never done business with Possible Finance. I am a victim of identity theft, and this alleged loan was not taken out by me. The name associated with this loan, XXXX XXXX, '' is not my legal name. My correct legal name is XXXX XXXX XXXX, and this discrepancy has been verified by XXXX, XXXX, and XXXX, proving that the name on the account is incorrect. This further supports the claim that the reporting of this account is erroneous and violates the Fair Credit Reporting Act ( FCRA ). 

As you are aware, the FCRA requires furnishers of information to report accurate and complete information. The reporting of this account with the incorrect name and without proper validation is a direct violation of 15 U.S. Code 1681e - Compliance Procedures. In addition, you have not provided sufficient proof to verify that this account belongs to me. 

I formally request that you provide the method of verification for this alleged loan, including any bank account information or other relevant data that was used to open and disburse the loan. If you can not provide such proof, the inaccurate information must be removed from my credit reports immediately. 

Additionally, your statement regarding the FDCPA and the company not being a " debt collector '' is irrelevant to my request for debt validation under the FCRA. The obligation remains for Possible Finance to furnish only accurate and verifiable information to the credit reporting agencies. 

I expect this matter to be corrected promptly. Please provide written confirmation that this account has been removed from my credit reports, or if not, provide the method of verification used to report this account in the first place. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ). 
Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy. 
Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. 
I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 
Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was scammed by an impersonator claiming to be a SoFI fraud agent. It was actually an account takeover fraud. The criminal transferred {$5800.00} to a XXXX XXXX XXXX account that they set up. 
Speaking with a SoFi agent they were dealing with multiple takeovers that week and were working on fixing the issue. 
They money was put back into my account on XX/XX/XXXX but they did not lift the restriction of the account meaning no transfers of my {$5800.00} will be allowed. I was told they are waiting to set up brand new account numbers since the original numbers have been compromised. 
Each time I call SoFi bank, they tell me someone will call when the investigation is completed. I press the issue the investigation is complete because SoFi put the funds back into my account. It's like each one speak to reads from a script and tells me there is no one they can transfer to that has further information like how long this process can take or if they can just send me a check for the {$5800.00}. They all say the investigation team will need to call me but I can't be transferred to them to speak to. 
This is by far the worst handling of fraud I've ever experienced. No way should anyone put their money in trust to SoFi bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: MD

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: DC

Complaint narrative:
I entered a loan agreement for furniture with acima. The loan agreement states I could return the furniture at anytime without penalty in XXXX I contacted acima to try and return the furniture due to financial hardship and they requested I take pictures and send it to them which I did they then said I needed to find a charity and donate the furniture to the charity then send them the receipt showing I donated it. This was not in the contract I even asked acima to come get the furniture and they could donate it themselves they refused. In XXXX acima reported on my credit report I had a delinquent account with them and I owed money which caused my credit score to drop XXXX points and has hindered me from obtaining credit elsewhere. The agreement states I could return the furniture at anytime without penalty upon me trying to return the furniture they refuse to take it and messed up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report and I dont understand why theyre there. I regularly check my credit report and never had this issue before. I refreshed the page several times to make sure it wasnt a browser glitch, but the inquiries remained. I am extremely frustrated by this, and I need my documents to be carefully reviewed to ensure this issue is resolved once and for all.

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 2024-10-14 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: MT

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: MT

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Account number-XXXX XXXX XXXX-Account number-XXXX XXXX XXXX-Account number-XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681, Section 602, which affirms my right to privacy.

Furthermore, under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ), the creditor has misused my personal information without proper authorization. Additionally, 15 U.S.C. 1666b clearly states that a creditor may not treat a payment as late if it was made on time and in compliance with the terms of the agreement.

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 2024-10-14 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: PA

Complaint narrative:
I couldnt believe my eyes this morning when I saw inaccurate accounts on my credit report, and I have no clue why. I review my credit report often, but this time, there were these discrepancies that made no sense. I even refreshed the browser just to be sure it wasnt a glitch, but the errors stayed. These accounts didnt vanish even after that. Because of this, Im asking that my documents be checked carefully so I never have to face this nightmare again.

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 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I am disputing a my checking account that Navy FCU charged off as negative. On XXXX Navy FCU credited to me {$100.00} because of a debit card dispute. I had used a vending machine in the XXXXXXXX XXXX XXXXXXXX. The vending machine continued to overcharge me. I had proof that I paid {$1.00}. The vending machine charged my debit card at various times {$5.00}. That was too much. From XX/XX/XXXX to XX/XX/XXXX, Navy FCU had credited and debited the amounts. I escalated the issue internally. I was informed that the {$100.00} would be permanent. Instead, Navy FCU charged off the account. Navy FCU owed me {$100.00}. The account remained negative because I didn't owe the negative balance. I provided various documents as evidence. 

My request is this : Navy FCU credit me {$100.00} and reopen my checking account ending in XXXX. 

I appreciate your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation