vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FILING A COMPLAINT BECAUSE MY CREDITOR IS FILING LATE PAYMENTS ON MY XXXXXXXX XXXX ACCOUNT ENDING IN XXXX. 
AND MY XXXX XXXX XXXX ACCOUNT XXXX THAT ARE INACCUARATE AND NOT PROPERLY VERIFIED AND I HAVE DISPUTED THIS DIRECTLY WITH THE CREDIT BUREAU AND THE CREDIT FURNISHER BUT THE LATE PAYMENTS REMAIN WITHOUT PROPER VALIDATION OR DOCUMENTATION. UNDER 15USC 1681 S2A, FURNISHERS MUST REPORT ACCURATE INFORMATION UNDER 15USC 1681 I. THE CREDIT BUREAUS MUST PERFORM A REASONABLE INVESTIGATION WITHIN XXXX DAYS AND NEITHER OF THEM HAVE PROVIDED SUFFICIENT EVIDENCE TO SUPPORT THE NEGATIVE REPORTING.

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 2025-03-28 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: GA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts, and I have no knowledge of their origins. In accordance with USC 1681g, I formally ask for their removal within XXXX days. Enclosed are the necessary documents for your review. Additionally, incorrect account details are being reported differently across bureaus

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-28 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-28 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX  XXXX XXXX. XXXX XXXX Incorrect Employer ( es ) : -- Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I used XXXX to finance a {$340.00} purchase from a seller on XXXX for a XXXX ' x XXXX ' outdoor shed. The order was placed on XX/XX/2025. On XX/XX/2025, a XXXX  tracking number was uploaded showing the package as " Delivered. '' However, I never received anything. 

I contacted XXXX directly and they confirmed that the tracking number provided was not associated with my name or address, and that the delivery went to someone else entirely. This indicates that the seller uploaded a fraudulent tracking number to make the order appear fulfilled. 

I attempted to resolve the issue with both the seller and XXXX, but the platform would not allow me to open a dispute, cancel the order, or request a refund the order still shows as " Partially Shipped. '' I then contacted XXXX and explained everything, including XXXX confirmation that the tracking did not match my address. XXXX paused my payment plan, but responded with a generic message treating the situation as if it were normal package theft, and offered no further investigation or assistance. 

I have only paid the first installment so far, and I am now locked out of any resolution options despite being charged for an item that was never delivered to me. 

I am requesting that XXXX be held accountable and that this issue be formally reviewed. I should not be forced to pay for a product I never received, especially when I provided proof of tracking fraud and was denied all avenues of dispute or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The information that is reporting from LVNV Funding LLC is a violation of the Fair Credit Reporting Act. Information is inaccurate on account XXXX for payment of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am writing to request your assistance regarding a distressing situation involving my Bank of America account. On XX/XX/year>, I suffered a XXXX, which left me vulnerable and in the process of recovery. During this time, my sister, XXXX XXXX, accessed my Bank of America account without my permission and stole {$2000.00}. In addition, she took my car, credit cards and my home. 

It has since been confirmed by Bank of America that my sister was responsible for the fraudulent activity. However, despite this confirmation, I have yet to receive my stolen funds. I am incredibly frustrated and disappointed by the lack of resolution. Being a victim of fraud is devastating, but it is even more painful when it is committed by a family member during a time when I was physically and emotionally compromised. 

I am requesting your direct intervention to ensure that the stolen money is promptly returned to me. I believe it is essential for Bank of America to stand by its customers in situations of fraud and exploitation. I am prepared to provide any further documentation necessary to support my case. 

Case # XXXX XXXX Case # XXXX XXXX Case # XXXX XXXX Case # XXXX XXXX Thank you for your time and attention. I trust that you will take the necessary steps to help bring this issue to a fair resolution. 

Sincerely, XXXX XXXX Bank Of American acct XXXX XXXX XXXX Phone 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX FL XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was contacted by Citibank about charges, including some at an XXXX store ( XX/XX/year> ), XXXX ( XX/XX/year> ), and at XXXX XXXX ( XX/XX/year> ) all in XXXX  in the amount of {$9700.00} total. I got this information over the phone from someone named XXXX. I indicated I never made that charge or any other transaction on this account. I don't even have this account, as the only account I ever had with Citibank was closed years ago. Additionally, I'm an XXXX XXXX XXXX XXXX woman from XXXXXXXX XXXX XXXX, who has not been on a plane in over a decade. XXXX gave me a confirmation number " XXXX '' and he said it would be resolved. Additionally, I spoke with XXXX XXXX on XX/XX/year> because Citi contacted me again about this -- and XXXX said the account was completely shut down and the matter was resolved. Since I disputed the transaction, I have not heard from them and assumed they realized and corrected the error. 

Now I received a letter from a law firm that Citi engaged to further harass me about a debt I dont owe. I am again disputing the entire balance owed. It is unfair that Citi can fail to property investigate a dispute and can then continue to harass XXXX XXXX for a debt they dont owe. 

It looks like the card number ends in XXXX in case you need that info. 

XXXX have Citibank provide copies of the statements they sent and the charge slips for the transaction. They have never sent me any documentation of the transactions. I have lived at the same address for over XXXX  years. 

Additionally, there is a discrepancy in the address they have on file. They listed an apartment number. I live in a house, there are no apartments, and I would never randomly put an apartment number on my house. 

Thank you for your assistance.

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 2025-03-28 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: TX

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-03-28 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: WA

Complaint narrative:
This is still an issue with hard inquiries that are not mine on my credit listed with all three bureaus along with collection accts that were supposed to have been removed because they are due to identity theft they have been removed and put back on my credit or original removed then sold to collection company only to be added again to my credit also closed accts should not be on my credit either anymore but they still are listed so some of the fraudulent accts are listed twice hurting my scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: GEM Financial
State: IA

Complaint narrative:
I get constant phone calls. Like XXXX times a day and XXXX text messages a day and emails. Today I had XXXX calls from there XXXX numbers. They call my family constantly as well.

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 2025-03-28 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
Subject : SoFi Mortgage Breach of {$10000.00} On-Time Closing Guarantee , Bad Faith Lending, and ECOA Violations I applied for an FHA mortgage loan with SoFi Mortgage and was approved with a {$10000.00} On-Time Closing Guarantee if the loan was not closed by the original closing date of XX/XX/year>. 

However, 4 days before closing ( on XX/XX/year> ), SoFi altered the loan terms by : Removing all lender credits that were previously included. 

Demanding an additional {$7000.00} down payment, which increased my out-of-pocket costs by {$9400.00}.

Despite these changes, SoFi required me to sign a second closing guarantee disclosure in a bad-faith attempt to reset the guarantee window and avoid liability for missing the original closing date.

Additionally, SoFi placed my loan in refer status without issuing a formal denial or providing an FHA denial code, violating the Equal Credit Opportunity Act ( ECOA ).

Summary of Violations : 1. Breach of Contract : SoFi failed to honor the original {$10000.00} 2. ECOA Violation : SoFi placed the loan in refer status without a formal denial or notification.

3. Bad Faith Lending Practices : SoFi altered terms just before closing and attempted to cover their errors by issuing a second closing guarantee disclosure.

4. Misleading Lending Practices : SoFi instructed me to stage assets to meet underwriting conditions, which is deceptive and potentially violates federal lending laws.

5. Misrepresentation and Verbal Assurances : SoFi verbally assured me that I would not be held responsible for any errors but later failed to honor those commitments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
I had XXXX fraudulent charges in XXXX XXXX during the month of XXXX. I have filed XXXX appeals with the company and they refuse to help. XXXX {$220.00}, XXXX {$250.00}, XXXX {$410.00}. I live in Florida but they say the charges were authorized. I have spoken to many customer service agents from this bank and they are all terrible. No one has any accountability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-28 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-28 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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