vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: CA

Complaint narrative:
This letter serves as a formal notice that the credit bureau has failed to resolve my dispute or make contact with me within the stipulated 30-day period following the receipt of my initial letter.

One of the fundamental rights outlined in the Fair Credit Reporting Act mandates that a credit reporting agency MUST update or delete inaccurate information. The Credit Reporting agency has been granted thirty days to investigate this claim. Under the FCRA, it is obligatory that my dispute be resolved within this timeframe. 

I am hereby requesting that my dispute be addressed immediately and that the following inaccurate items from my original request be updated : INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance 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

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 2024-05-11 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: CA

Complaint narrative:
This letter serves as a formal notice that the credit bureau has failed to resolve my dispute or make contact with me within the stipulated 30-day period following the receipt of my initial letter.

One of the fundamental rights outlined in the Fair Credit Reporting Act mandates that a credit reporting agency MUST update or delete inaccurate information. The Credit Reporting agency has been granted thirty days to investigate this claim. Under the FCRA, it is obligatory that my dispute be resolved within this timeframe. 

I am hereby requesting that my dispute be addressed immediately and that the following inaccurate items from my original request be updated : INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UBS BANK USA
State: RI

Complaint narrative:
My UBS credit card was closed unannounced on XX/XX/year> while I was on vacation in XXXX. I tried to use my UBS card and it was declined. I thought there might be suspected fraud so I called UBS card services. The UBS Card Rep informed me that the XXXX RI branch of UBS Financial Services had directed the closure of the card. The UBS card rep said that it was highly unusual for a card to be closed by the branch and, after checking with the supervisor, they had no explanation for it. 

Ironically, I booked this XXXX trip through the UBS Concierge Services and they ( UBS Card Services ) delivered a fruit basket to my hotel room the day before to thank me for using their travel service. 

I did not request this card to be closed and I want an explanation why it was done. This could have been an extremely difficult situation for me if this was the only credit card I had taken on this trip.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Last month and this month today my daughter can have a reaction if she get in this vehicle she has Ben tested and she is XXXX to mold.

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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX, I need to write a complaint against regions bank for allowing my account to be overdrawn due to a fraudulent transaction. Someone used my account information to purchase from a store called XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX est, I have never shopped there before so I was confused as to why Im being charged XXXX for a transaction that was never authorized. I have tried to dispute this transaction but was told there's nothing they can do until it posts. Which makes no sense to allow since its not an authorized transaction to begin with. I feel like my account was hacked due to a security breach at this bank and need to file a complaint to get 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 explanation
Consumer complaint received 2024-05-11 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
Fair Collections and Outsource is reporting a debt on my credit report that does not exist. I have requested validation of debt, including a signed contract/lease for the debt from XX/XX/XXXX - XX/XX/XXXX. I do not owe a debt. I did not have a contract or lease. I have requested this information from XXXX XXXX and they have failed to provide because it does not exist. XXXX XXXXXXXX sent fraudulent debt to Fair Collections and Outsource and they have not provided validation of debt. I would like the contract between XXXX XXXX and Fair Collections and Outsource and the financial information as to how much this alleged debt was purchased from by Fair Collections and Outsource from XXXX XXXX Please provide audit trail and all contracts/leases. Please provide all agencies ( credit and financial ) that this information has been provided to.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. After reviewing my credit report I have notice several accounts & inquiries being reporting on my report that I did not apply for. I would greatly appreciate if those ACCOUNTS and INQUIRIES could be removed.

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 2024-05-11 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: PA

Complaint narrative:
Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. After reviewing my credit report I have notice several accounts & inquiries being reporting on my report that I did not apply for. I would greatly appreciate if those ACCOUNTS and INQUIRIES could be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( was during the time of covid SCAM ) {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C

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 2024-05-11 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( was during the time of covid SCAM ) {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C

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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I attempted to withdraw cash from my SoFi checking account, using my ATM card, at three separate ATMs in XXXX. The transaction was declined at all 3 ATMs, even though I had more than sufficient funds in my checking account. 

I contacted SoFi 's customer service via the " chat '' function on their website and asked the agent why my card had been declined at the ATM. The agent informed me : " it appears here that the transactions are being blocked by SoFi. Unfortunately, there is nothing else I can do in that regard. I do apologize for the inconvenience. '' I asked to speak with someone who could assist, and then agent told me " there is nobody that can assist with this matter. '' I informed the agent that SoFi 's website states : " You can use your SoFi Money Debit Card in over XXXX countries around the world including, XXXX, XXXX, XXXX, XXXX, and the XXXX XXXX, for purchases and ATM withdrawals wherever XXXX is accepted. The funds will be withdrawn in the currency of the country where you made the purchase or ATM withdrawal. You no longer need to notify us when traveling internationally. We made changes to ensure your purchases will not be interrupted. '' The agent responded : " I do apologize for the misinformation, but there are certain countries that are not allowed. '' When I followed up to ask if I could use the card in XXXX, I was told, " the transactions in that country will be blocked as well. '' I asked the agent to please inform me how to access my cash, and he said, " You can access it in a country that is not blocked. '' As a result, I am traveling in XXXX and XXXX with no way to withdraw any cash, and with no warning from SoFi, as their website failed to advise that ATM withdrawals are not " blocked '' in those countries, and in fact specifically stated that there is no need to notify SoFi when traveling internationally and that purchases would not be interrupted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: MN

Complaint narrative:
So around XX/XX/year> I was scammed with 2 fake checks and the bank is holding me responsible but I did some research because it felt wrong that I owed them money even though in my account it said the checks were approved and I was manipulated into sending the scammer XXXX dollars. from what I found online banks are suppose to cover you if you get scammed. I am more than willing to provide proof of this through texts and pictures. Us Bank has been extremely unhelpful I had already filed a complaint and nothing has changed. I can not afford to pay them that money either. I really think the bank is wrong on this and since the account was also in my moms name causing additional problems for her now.

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 2024-05-11 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have been a victim of XXXX Credit Card opening. 


Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX The card was opened with XXXX XXXX without my knowledge and authorization on XX/XX/XXXX I have been disputing this account since XX/XX/XXXX. 



But the company gives irrelevent excuses to me and mark it as not fraudulent. 
Till now company reached out to me 5 times. 



XX/XX/XXXX- they said I paid this account in settlement on XX/XX/XXXX for {$350.00}. 



XX/XX/XXXX - They sent me a letter regarding my dispute with the credit bureau. 



XX/XX/XXXX - The company said they can not make changes to my account .... XXXX knows what changes they want to make. 



XX/XX/XXXX- they say I have a balance of {$330.00}. Now if the account was closed on XX/XX/XXXX then where did this amount came from. 



XX/XX/XXXX - Company needs more time. XX/XX/XXXX - Letter from XXXX XXXX XXXX XXXX, they completed investigation while same day I get other letter stating company needs more time. 



I am not challenging company 's integrity, I am just challenging the unfair mean done to me by someone unknown and company is not properly investigating on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXXXXXX XXXX XXXXXX/XX/XXXX ( was during the time of covid SCAM ) {$13000.00} XXXX XX/XX/XXXX {$570.00} XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$1300.00} PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C

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 2024-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the lack of financial hardship options available for my auto loan. I have been experiencing financial difficulties since the tragic loss of my spouse in a car accident over a year ago. As a result, I have fallen XXXX payments behind and have been struggling to catch up for over a year. 

On XX/XX/XXXX, I contacted the Ally Auto customer service line seeking a resolution. I was advised to make XXXX payment and call back once it cleared, with the assurance that the remaining payment would be added to the end of my loan. However, upon making the payment, I was informed that there are no options available to assist me in bringing the loan current. 

I am confident that I can maintain timely payments in the future with the provision of financial assistance. I believe that the absence of any options to help me bring the loan current, coupled with the accruing monthly late fees, is unreasonable and financially irresponsible, especially considering my circumstances.

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 2024-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I got late payments in 2018 from nelnet and they were only sent to me on the nelnet account they said. 
I don't feel that is right to not contact someone about bills and just send them on nelnet. I had no idea and it's really hurting my credit for no reason. 
All small amounts i would of loved to of paid if i knew about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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:
Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. After reviewing my credit report I have notice several accounts & inquiries being reporting on my report that I did not apply for. I would greatly appreciate if those ACCOUNTS and INQUIRIES could be removed.

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 2024-05-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( was during the time of covid SCAM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C

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 2024-05-11 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:
Thave a 30 day late payment with XXXX XXXX from XX/XX/2024 that is an error and XXXX asked for proof of payment. This account is paid on time and in Full and was not late. I am requesting that the late payments on my credit report be reversed or marked as " Paid as agreed '' or " Ok '' and the credit bureau make the necessary corrections to my credit report. I appreciate your attention to 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 2024-05-11 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: MI

Complaint narrative:
Well all three credit bureaus arent reporting correct information on my credit report, I had a bank loan from my bank that was paid off in full which should help build up my credit well trans union ect failed to report accurate information, after my bank sent them accurate information end of the month, these credit bureaus allowed some people opened up few accounts thats I didnt apply for, something has to be done with the credit bureaus because Ive already had file for a dispute with transunion credit bureau about bank loan never received a response back. All the loans Ive done posted to help build up my credit score credit history this company has not given a accurate information

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 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
I assert that I am not legally responsible for the alleged debt associated with XXXX ON XXXX Account # XXXX. As per the principle of contractual privity, I maintain that there exists no valid contractual agreement between myself and HUNTER WARFIELD. Furthermore, in accordance with the legal doctrine of evidentiary disclosure, I have formally requested access to the original contract pertinent to this matter, a request which remains unfulfilled by HUNTER WARFIELD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief