vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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: MA

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and discovered that you are reporting inaccurate information about me, which is a violation of the Fair Credit Reporting Act ( FCRA ) and requisite METRO2 compliant reporting standards. Specifically, the alleged collections account in question are listed to have different XXXX XXXX XXXXXXXX XXXX XXXX TransUnion {$13000.00} XXXX {$13000.00} XXXX {$13000.00XXXX XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of last activity been reported incorrectly & has a past due which is another violation FST PREMIER date of last activity been reported incorrectly & has a past due balance Under the FCRA, XXXX have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. Therefore, I request that you immediately remove these accounts from my credit report and provide me with an updated report showing your compliance with all METRO2 reporting standards, with these accounts removed upon completion. 

I expect your prompt attention to this matter and confirmation of the removal of this inaccurate 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 non-monetary relief
Consumer complaint received 2024-03-22 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: MA

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and discovered that you are reporting inaccurate information about me, which is a violation of the Fair Credit Reporting Act ( FCRA ) and requisite METRO2 compliant reporting standards. Specifically, the alleged collections account in question are listed to have different XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$13000.00} Experian {$13000.00} XXXX {$13000.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX of last activity been reported incorrectly & has a past due which is another violation XXXX XXXX date of last activity been reported incorrectly & has a past due balance Under the FCRA, XXXX have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. Therefore, I request that you immediately remove these accounts from my credit report and provide me with an updated report showing your compliance with all METRO2 reporting standards, with these accounts removed upon completion. 

I expect your prompt attention to this matter and confirmation of the removal of this inaccurate 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 non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia SoFi Bank, N.A. Personal Loan XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account Number XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom it may concern I XXXX XXXX a living breathing man as created by God, I am hereby in good faith exercising my right under 15 USC 1635 ( a ) ( f ) to rescind the transaction with SOFI Account Number XXXX Yours Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: TX

Complaint narrative:
I did not consent to these inquiries and strongly suspect they are fraudulent. I implore you to conduct a comprehensive investigation and promptly remove them from my 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 2024-03-21 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: FL

Complaint narrative:
XX/XX/year>, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Furthermore on this hard inquiry should be removed immediately per 15 USC 1602P.

( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 


Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, 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 2024-03-21 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:
XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Furthermore on this hard inquiry should be removed immediately per 15 USC 1602P.

( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, 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 2024-03-21 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: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
ON XX/XX/2023 - XX/XX/2023 CREDIT INQUIRIES WERE PLACED ON MY CREDIT REPORT FROM XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NOT APPLIED FOR ANYTHING WITH THEM. I LOST MY WALLET AROUND THAT TIME HOWEVER I ORDERED A NEW SOCIAL SECURITY CARD AND ID. I AM CERTAIN SOMEONE TRIED TO RUN MY CREDIT AND/OR USE MY NAME. I DO NOT HAVE AN ACCOUNT WITH ANY OF THESE FINANCIAL INSTITUTIONS. WHEN CHECKING XXXX I DID HAVE A FRAUD ALERT NOTIFICATION AND FROZE MY CREDIT. THERE WERE MULTIPLE CREDIT INQUIRES DONE WITHIN A 7 DAY TIME SPAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
After I partially paid my " total balance '' of Americal Express credit card, the total amount decreased instantaneously to the payment amount. Screenshots were taken before the payment and after. There were no pending transactions. Two weeks later, the total reflected balance did not match the sum of the remaining balance and all posted transactions and also does not match as of the day of this complaint. I requested the account audit twice ; however, my requests were not fulfilled, and instead, customer service representatives created a dispute about my partial payment and started an investigation, which I asked to close since I had never requested it. Also, during the call, I was told that I have open " pay over time '' plans ; I declined, referring to screenshots confirming that all plans were paid off, as well as while checking open plans during the call, none were open. Two days later, I received a phone call from American Express confirming that they had a glitch in the system and that I did not have any open plans. 
In conclusion, when I requested to freeze my account until the audit was completed, I was advised to pay the amount to avoid additional fees and the debt-collecting process. In addition, the customer service representatives confirmed that they automatically record all phone calls without the consent of customers ; however, they referred to the internal rules and refused to name the policy, refused to provide a phone call recording, and stated that does not give consent to be recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts listed below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX15 USC 1681Section 602A : States I have a right to privacy. 15 USC 1681 sect. 604A : It also states a consumer reporting agency can not furnish a account with out my written instruction. 15 USC 1681c ( 9 ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other diverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: CA

Complaint narrative:
OnXX/XX/2024, I requested an invoice verifying the amount of debt from the debt collection agency and was told that they do not have to give me that information and I can reach out to the original creditor to see if they have it. I was told that they only see the word damages but could not specify to me what those damages are and the amounts for each of those.

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 2024-03-21 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: IL

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-03-21 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: IL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: LA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: MI

Complaint narrative:
XX/XX/XXXX Subject : Demand for Deletion of Inaccurate Account Information Pursuant to FCRA To Whom It May Concern, I am submitting a complaint following the response from Experian dated XX/XX/XXXX, concerning my dispute filed on XX/XX/XXXX, regarding the continued inaccurate reporting of my account information associated with account number XXXX by XXXX XXXX XXXX. Despite my multiple disputes and attempts to rectify this information, including the most recent dispute, the necessary modifications have not been made, leading me to invoke the deletion clause of the Fair Credit Reporting Act ( FCRA ). 

The specific issues that necessitate the enforcement of the FCRA deletion clause are as follows : 1. Servicing Transfer Date vs. Credit Report Updates : The servicing of my account ( XXXX ) was transferred to XXXX XXXX XXXX on XX/XX/XXXX, according to XXXX XXXX XXXX XXXX documentation. However, my Experian credit report erroneously shows updates from XXXX XXXX XXXX post-transfer date, which should not occur after the sale of the account. 

2. Charge-off Date and Amount Inconsistency : XXXX XXXX  XXXX XXXX letter specifies a charge-off date of XX/XX/XXXX, with a balance of {$3900.00} for the account XXXX. This does not align with the charge-off information presented on my Experian credit report. 

3. Post-Transfer Payment History Accuracy : Any payment history reported by XXXX XXXX XXXX after the sale date of XX/XX/XXXX, for the account XXXX is in dispute, as it should not be reported by the original creditor after the transfer of servicing rights. 

In accordance with Section 611 ( 5 ) ( A ) of the FCRA, I am requesting the prompt deletion of this account from my credit report. This section of the FCRA requires that any information found to be inaccurate or unverifiable after a dispute must be removed by the credit reporting agencies. 

The presence of these errors has caused significant harm to my credit rating and could impact my financial prospects. Therefore, I seek the CFPB 's assistance in ensuring the removal of this inaccurate information. 

I expect an investigation to be initiated promptly and to be provided with a resolution within the 30-day response period mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : - Correspondence from XXXX XXXX XXXX regarding account XXXX - Highlighted sections of my Experian Credit Report showing the inaccuracies

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 2024-03-21 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
ON XX/XX/2023 - XX/XX/2023 CREDIT INQUIRIES WERE PLACED ON MY CREDIT REPORT FROM XXXX XXXX, XXXX XXXX, ALLY FINANCIAL, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. I HAVE NOT APPLIED FOR ANYTHING WITH THEM. I LOST MY WALLET AROUND THAT TIME HOWEVER I ORDERED A NEW SOCIAL SECURITY CARD AND ID. I AM CERTAIN SOMEONE TRIED TO RUN MY CREDIT AND/OR USE MY NAME. I DO NOT HAVE AN ACCOUNT WITH ANY OF THESE FINANCIAL INSTITUTIONS. WHEN CHECKING XXXX I DID HAVE A FRAUD ALERT NOTIFICATION AND FROZE MY CREDIT. THERE WERE MULTIPLE CREDIT INQUIRES DONE WITHIN A 7 DAY TIME SPAN.

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 2024-03-21 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: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
ON XX/XX/2023 - XX/XX/2023 CREDIT INQUIRIES WERE PLACED ON MY CREDIT REPORT FROM XXXX XXXX, REGIONAL ACCEPTANCE, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. I HAVE NOT APPLIED FOR ANYTHING WITH THEM. I LOST MY WALLET AROUND THAT TIME HOWEVER I ORDERED A NEW SOCIAL SECURITY CARD AND ID. I AM CERTAIN SOMEONE TRIED TO RUN MY CREDIT AND/OR USE MY NAME. I DO NOT HAVE AN ACCOUNT WITH ANY OF THESE FINANCIAL INSTITUTIONS. WHEN CHECKING XXXX I DID HAVE A FRAUD ALERT NOTIFICATION AND FROZE MY CREDIT. THERE WERE MULTIPLE CREDIT INQUIRES DONE WITHIN A 7 DAY TIME SPAN.

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 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was with this bank XXXX XXXX XXXX XXXX and every month I'd have unauthorized transactions and wouldn't get my money back for weeks and it would cause my account to be in the negative especially with several days of overdraft fees and XXXX was a dispute that they said I was refunded and I don't see that and they the dispute department put my account into overdraft and then turned me in to the credit bureau 2 months later

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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:
XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Furthermore on this hard inquiry should be removed immediately per 15 USC 1602P.
( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation.

Sincerely, XX/XX/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