vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have opened a checking account in the Fifth 3rd Bank. While i was opening it they advertised that i will get {$300.00} bonus offer if i get XXXX direct deposit totaling {$2000.00} or more. After i got the {$2000.00} direct deposit i haven't received my bonus {$300.00}. I called to the customer care and they said i have to deposit {$7500.00} to get the bonus {$300.00} because while i open the bank account it got the promo code for {$7500.00} which i have no idea. While you open the account the promo code applied automatically and you don't need to put any code by yourself. Its completely the fault of their system and they couldn't do anything about it. There have nowhere its written about XXXX direct deposit. They still have the offer for {$2000.00} or more direct deposit offer in their website but they could not give me my bonus as they promised. 

Link for the offer : https : XXXX  I called customer care and they said they don't have access to check and asked me to call the local branch. I called the local branch in XXXX XXXX XXXX XXXX and they could not help and could not gave any suggestion to escalate the issue to the next person. Totally very very bad service. Be aware of this bank for doing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XXXX XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

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 2025-01-13 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
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  My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX UCC-1-308 without prejudice

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 2025-01-13 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I am filing a follow-up complaint against Experian for their continued failure to update my current address on my credit report, despite my repeated efforts and provision of sufficient documentation. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Over the past year, I have submitted multiple requests to Experian to update my address and delete old addresses from my credit report. I have provided the following documentation repeatedly to verify my current address : 1. A copy of my valid drivers license showing the updated address.

2. Recent utility bills with my current address.

3. Car insurance documents reflecting my updated address.

Despite submitting these documents multiple times, Experian has not taken action to update my credit report. Both XXXX and XXXX updated my address without issue using the same documentation.

Experians inaction is now creating significant challenges for me, as my outdated address is being used in various contexts, causing confusion and potentially jeopardizing my financial management. This lack of responsiveness violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and updated information. 

I request the CFPB to escalate this issue and compel Experian to : 1. Immediately update my address to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
2. Permanently delete all outdated addresses from my credit report.

Experians continued refusal to address this matter is unacceptable and detrimental. I am seeking your urgent assistance in resolving this issue, as Experian has demonstrated a pattern of negligence in addressing my requests.

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 2025-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i recently review a copy of my credit report and notice i had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: RI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
The PNC Bank has been holding my money for almost XXXX weeks now. Any deposit made in my checking account, such as my paycheck, is taken out after an hour and I am left with XXXX dollars. I reached out to the bank XXXX times about this issue, and each time they tell me it is fraud. My most recent conversation with the Bank was on XX/XX/year> and I was told that someone else is taking the money out of my account, not the Bank. They said they would contact me with updates, but it has been 2 days and I havent received anything. The PNC Bank has not given me my money back, and they dont plan to any time soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Department XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Late Payments Request for Proof or Deletion Due to Human Tracking and Debt Bondage Section 605C ( 115 U.S.C Section 1681c-2 ) Urgent Request for Resolution Dear XXXX Representative , I am XXXX XXXX writing to formally dispute inaccurate information on my credit report concerning alleged late payments reported on my account. Please note that I have never been late on this account. I request that XXXX, as a 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. If you are unable to provide proof of the validity of these claims, I am requesting that you immediately delete these alleged late payments from my credit report. 
The following accounts contain erroneous late payment information reported by XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX. Rent Reporters Account Number : XXXX Inaccurate Late Payments : XX/XX/XXXX I have included a copy of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence that I have consistently made timely payments.

Under 15 U.S. Code 1666 ( b ), a creditor may not treat a payment on a credit card as an open-ended consumer credit account unless they can prove the validity of the debt. Failure to provide such proof indicates that this information is inaccurate and must be removed from my report to comply with federal consumer protection laws. 
Please be advised that if these inaccurate late payments are not removed from my credit report, I will file formal complaints with both the Better Business Bureau ( BBB ) and the Consumer Financial Protection Bureau ( CFPB ) regarding your agencys failure to follow proper dispute procedures. 
I request, pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that XXXX block all negative accounts identified. I expect a resolution to this matter promptly as required by the Fair Credit Reporting Act ( FCRA ). Please confirm the results of your investigation in writing once it is completed. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX XXXX Address : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Late Payments Request for Proof or Deletion Due to Human Tracking and Debt Bondage Section 605C ( 115 U.S.C Section 1681c-2 ) Urgent Request for Resolution Dear XXXX Representative XXXX I am XXXX XXXX writing to formally dispute inaccurate information on my credit report concerning alleged late payments reported on my account. Please note that I have never been late on this account. I request that XXXX, as a 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. If you are unable to provide proof of the validity of these claims, I am requesting that you immediately delete these alleged late payments from my credit report. 
The following accounts contain erroneous late payment information reported by XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX. Rent Reporters Account Number : XXXX Inaccurate Late Payments : XX/XX/XXXX I have included a copy of my XXXX XXXX XXXX XXXX XXXX payment transaction history as evidence that I have consistently made timely payments. 
Under 15 U.S. Code 1666 ( b ), a creditor may not treat a payment on a credit card as an open-ended consumer credit account unless they can prove the validity of the debt. Failure to provide such proof indicates that this information is inaccurate and must be removed from my report to comply with federal consumer protection laws. 
Please be advised that if these inaccurate late payments are not removed from my credit report, I will file formal complaints with both the Better Business Bureau ( BBB ) and the Consumer Financial Protection Bureau ( CFPB ) regarding your agencys failure to follow proper dispute procedures. 
I request, pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that XXXX block all negative accounts identified. I expect a resolution to this matter promptly as required by the Fair Credit Reporting Act ( FCRA ). Please confirm the results of your investigation in writing once it is completed. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX Email Address : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against SoFi Bank regarding their handling of my account. My account has been restricted since XX/XX/year>, and despite my repeated efforts to resolve this matter, it remains locked as of today, XX/XX/XXXX, XXXX period exceeding 14 days. 

I have funds in the account that I am unable to access, which has caused significant financial hardship. I need these funds to pay my rent, and without timely access, I face the risk of eviction. If I am evicted as a result of this situation, I will seek damages for the financial and emotional impact caused by SoFi Bank 's negligence. 

I have contacted SoFi Bank 's customer helpline on XXXX separate occasions, only to be met with unhelpful responses. The representatives consistently read from a script and fail to provide any meaningful information or updates regarding my account. This lack of transparency and actionable support is unacceptable. 

The prolonged restriction of my account, coupled with the bank 's ineffective communication, has caused undue stress and inconvenience. I request CFPB 's assistance in investigating this matter and compelling SoFi Bank to : Provide a clear explanation for the account restriction. 

Offer a timeline for resolving the issue and unlocking my account. 

Compensate me for the hardship caused, including any damages resulting from a potential eviction. 

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support my complaint. 

Sincerely,

Company response to consumer: Closed with explanation