vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: LEXISNEXIS
State: MD

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
improper use of credit reporting with company inquires not made on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
I am writing to formally dispute fraudulent accounts that have appeared on my credit report due to my information being compromised in a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I request the immediate deletion and blocking of the following accounts from my credit file : Disputed Accounts : XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX BANK XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX Under the federal law referenced above, credit reporting agencies must block and remove fraudulent information resulting from identity theft upon request. These accounts do not belong to me, and I demand their immediate removal from my credit file. 
I have filed an identity theft report with the Federal Trade Commission ( FTC ), and my FTC report number is XXXX. Additionally, I have enclosed copies of my identification, a recent credit report highlighting these accounts, and any supporting documents related to the data breach. 
Please confirm in writing that these accounts have been removed from my credit report within XXXX  days as required by law. If additional information is needed, please contact me at your earliest convenience. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
Just go off the telephone after waiting for almost an hour i asked for information on the dispute that i had on hard inquiries, i stated that i wanted to get the information how they went about confirming the data and was refused to be given any information according to Texas i have a right to find out and ask for procedure to verify a dispute. 

gentleman did not wan to give me any information in regards to him and stated that i could write to those creditors myself to find out how they verified the verification took less than a day and it was almost XXXX hard inquiries i disputed. 

after all said and done they try to sell you some monitoring service that seems to be more of a hook for you to subscribe This is how long the investigation took less than XXXX half day Confirmation number : XXXX Submitted XX/XX/year> XXXX investigation Completed XX/XX/year> Dispute results remain online for approximately XXXX  years from the completion date. Download now for your records. 
Download dispute results

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 2025-02-05 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: TX

Complaint narrative:
Just go off the telephone after waiting for almost an hour i asked for information on the dispute that i had on hard inquiries, i stated that i wanted to get the information how they went about confirming the data and was refused to be given any information according to Texas i have a right to find out and ask for procedure to verify a dispute. 

gentleman did not wan to give me any information in regards to him and stated that i could write to those creditors myself to find out how they verified the verification took less than a day and it was almost XXXX hard inquiries i disputed. 

after all said and done they try to sell you some monitoring service that seems to be more of a hook for you to subscribe This is how long the investigation took less than XXXX half day Confirmation number : XXXX Submitted XX/XX/year> XXXX investigation Completed XX/XX/year> Dispute results remain online for approximately XXXX  years from the completion date. Download now for your records. 
Download dispute results

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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
After being laid off in XXXX, I enrolled in XXXX health plans managed by XXXX ( XXXX XXXX ), which included dental, vision, and health coverage. My former employer generously agreed to cover my premiums through XXXX. In XXXX, I decided to drop the health plan, which cost around {$400.00}, via the XXXX portal, while keeping the dental and vision plans for XXXX. 

The issue arose when XXXX incorrectly charged me for the health plan in XXXX, despite my having removed it. I reached out to an XXXX representative to resolve the matter, but she was unhelpful and rude, simply advising me to dispute the charge with my bank, XXXX. 

I initiated a dispute with XXXX ( handled by XXXX ) over the incorrect charge of {$460.00}. I provided invoices and screenshots as evidence that I had been wrongfully charged. Unfortunately, they sided with the merchant, leaving me frustrated and out $ XXXX significant amount of money. 

This experience has significantly damaged my trust in XXXX, which I had relied on as my primary bank for checking and credit card services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/year> To : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted several disputes to Transunion regarding some accounts shown on my credit report which are inaccurate. I also uploaded my proof on their site to prove my claim but the company failed to investigate and refused to delete the accounts from the 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 non-monetary relief
Consumer complaint received 2025-02-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX ( XXXX ) contacted XXXX XXXX to purchase XXXX commercial racks to be shipped to XXXX Constructors in Hawaii. XXXX also instructed XXXX XXXX to contact XXXX to arrange the shipment. 

XXXX XXXX requested XXXX to prepay for the order, including the freight- which he paid via Credit Card. The XXXX  sent us an invoice for the requested freight and asked to be paid via XXXX. XXXX XXXX paid the XXXX invoice and later realized this company was fraudulent. 

XXXX XXXX also contacted XXXX XXXX in Hawaii to confirm the order, who indicated they had not placed the order and that XXXX XXXX was not associated with them. 

Inflight FItness has contacted its bank for a reversal of the XXXX payment, and is expected a chargeback from XXXX for the XXXX payment he 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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint and Dispute Regarding Civil Liability Due to Negligence and Non-Compliance Dear Consumer Financial Protection Bureau XXXX XXXX am submitting this formal complaint against AFFIRM INC for negligence and non-compliance with federal laws, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). This company has failed to fulfill its legal obligations, resulting in unjust liability, financial harm, and consumer rights violations. 

Nature of the Dispute : Company Name : XXXX XXXX Account or Reference Number : XXXX Summary of the Issue : Incorrect Information/missleading Steps Taken : I have formally disputed this issue with the company, but they have failed to properly investigate, correct errors, or provide verification within the legally required timeframe. 

Legal Violations : 1. 15 U.S.C. 1681s-2 ( FCRA - Responsibilities of Furnishers ) The company has reported inaccurate, misleading, or unverifiable information in violation of this law.

2. 15 U.S.C. 1681i ( FCRA - Right to Dispute Inaccurate Information ) I exercised my right to dispute the information, but the company failed to investigate and correct the issue. 
3. 15 U.S.C. 1681n & 1681o ( FCRA - Civil Liability for Willful or Negligent Non-Compliance ) Due to their failure to act, I have suffered financial damages, credit harm, and undue stress, making them liable for legal penalties and compensation.

Requested Resolution : I request the CFPB to investigate this matter and enforce compliance by requiring : Immediate correction and removal of inaccurate information Written confirmation of actions taken Possible compensation for damages caused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
There are hard inquiries on my credit report that are from identity theft that happened in 2023 that I want removed from my credit report. My personal information was leaked and was used to try to open accounts. I have not applied for any new cards in many years. 
These are the inquiries I was able to see that I dont recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-05 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: AR

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain information contained in my credit report. I believe that the reported information does not comply with the requirements set forth under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681o, which outlines liabilities for negligent or willful noncompliance with these statutory requirements.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-05 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-05 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
XX/XX/year> - {$10.00} - {$30.00} XX/XX/year> - {$180.00} - {$6.00} XX/XX/year> - {$1.00} XX/XX/year> - {$120.00} - {$10.00} XX/XX/year> - {$10.00} - {$15.00} - {$15.00} XX/XX/year> - {$3.00} - {$7.00} - {$10.00} - {$30.00} - {$25.00} - {$75.00} XX/XX/year> - {$6.00} - {$10.00} - {$10.00} - {$50.00} - {$50.00} - {$25.00} - {$280.00} - {$220.00} XX/XX/year> - {$10.00} - {$10.00}. 
I recently discovered that my XXXX debit card was stolen by my ex boyfriend and he started using my card unauthorized. Ive called to file a dispute on these transactions and I was denied immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: COMMERCE BANK
State: OK

Complaint narrative:
I filed complaint XXXX. Commerce Bank agreed I should not have been charged interest. They have stopped charging new interest but have not credit me for the prior interest charged, including compounded interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
XXXX XXXX, XXXX : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection accounts : XXXX XXXX XXXX {$470.00}, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$3400.00}, XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX {$890.00}, XXXX XXXX XXXX {$8900.00}, XXXX XXXX XXXX {$4300.00}, XXXX XXXX XXXX {$6300.00}, XXXX XXXX XXXX {$2700.00}, XXXX XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX  {$530.00}, XXXX XXXX XXXX  {$530.00}, XXXX XXXX {$1900.00}. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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