vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I have an Apple Card through Goldman Sachs. My credit limit was {$41.00}. 

I made move-related, home prep for sale, and related purchases on the card. Out of the blue we were over our limit. Upon looking at card, Goldman Sachs had reduced my credit line to the point that we were over the limit. Given that our current home is in closing, we are shopping for a mortgage, and need to maintain our very high credit rating, being over the limit affects my credit worthiness and rating. I called them, got little in the way of why they did so, why the did not tell me ahead of time, and when they could correct the issue. Sorry, the usual time to get to these things is 10 days ... so yes, my credit took a hit. We did some things creatively to come up with {$5000.00} cash to bring the balance down and improve our credit utilization ratio a bit, but the over limit hit is going to affect the mortgage terms I will receive. Not fair, not transparent. Seems to me that they are limiting their exposure and putting the screws to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
on XX/XX/year> I disputed two accounts that have my personal information linked as a authorized user XXXX XXXX XXXX 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 2024-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XX/XX/year> XXXXXXXX XXXX  stated I owe XXXX then I contacted them due to false amount not being owed. Then they switched it to XXXX. I was released from the lease with no penalty at the time. I am a XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now they are stating I never paid rent and I owe them XXXX when I do not owe that amount. They also emailed me and stated I was released with out penalty and they would remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: NY

Complaint narrative:
Good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.

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 2024-10-22 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: AR

Complaint narrative:
I had applied for the SAVE act earlier this year on student aid website. Then from the phone calls from XXXX  I started the process of trying to get an IDR plan in XXXX of XXXX  online. I printed off the directions and sent a copy of my paycheck. Emailed back and need more information. Then I spoke with a male who talked me into consolidating my loans and he guaranteed me the past due and delinquency would be brought current. This did not happen and now XXXX has reported me being delinquent and has destroyed my credit rating. I feel I was mislead by the employee I spoke with and now have been affected by his direction on how to get current and brought up to date on my loans.

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 2024-10-22 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: GA

Complaint narrative:
I am writing to formally submit a complaint against the XXXX major credit reporting agenciesTransUnion, XXXX, and XXXXregarding their handling of my recent disputes. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Despite my efforts to dispute inaccuracies on my credit report, none of these agencies conducted a proper investigation. Specifically : XXXX XXXX XXXX " XXXX XXXX ", in the amount of {$280.00} XXXX XXXX XXXX in the amount of {$1000.00} and XXXX XXXX XXXX in the amount of {$1700.00}. 
There rare also numerous of fradulent inquiries on my Tranunion credit profile and XXXX. such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Failure to Investigate Disputes : Each agency did not adequately investigate the information I disputed. I provided supporting documentation to substantiate my claims, but my disputes were dismissed without a thorough review. 

Lack of Original Contracts : I requested original contracts and documentation related to the disputed accounts, but I did not receive any. This lack of transparency raises concerns about the validity of the debts reported. 
Failure to Validate Debt : The agencies did not validate the debts as required under the FCRA. Without proper validation, the accounts in question should not be reported on my credit file.

These issues violate 15 U.S.C. 1681b, which outlines permissible purposes for consumer reports, and the FCRA 's requirements for accurate reporting and dispute resolution. Furthermore, the agencies failed to address my disputes in a timely manner, as mandated by law. 
I respectfully request that the CFPB investigate this matter and take action to ensure compliance by these agencies. I believe the disputed accounts should be removed from my credit report, given the lack of proper investigation and validation.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MD

Complaint narrative:
( XXXX XXXX XXXX ), ( XXXX ), ( XX/XX/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 Experian 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 A credit card account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned account, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, 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
Consumer complaint received 2024-10-22 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and 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 non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.

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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
Re : JEFFERSON CAPITAL ACCOUNT NUMBER UNKNOWN Dear JEFFERSON CAPITAL, I am writing to formally demand that you cease all communication with me regarding the above-referenced account, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I request that you cease all collection activities, including but not limited to phone calls, letters, or any other forms of communication, concerning this account.

In addition, this letter serves as a formal demand for you to immediately cease reporting this account to any credit reporting agencies. I believe this account to be the result of identity theft, which I have previously disputed. Attached is a copy of my identity theft report for your records. Since this account is fraudulent, it should not be reflected on my credit report, and I expect you to take immediate action to remove it.

This letter does not serve as an acknowledgment of any debt or liability. I do not consent to any communication by phone, at my place of employment, or home regarding this matter. If you intend to take legal action, any further communications should be limited to written notice of such action as required by law.

Failure to comply with my request may result in further legal actions.

I expect written confirmation within 30 days that you have ceased all communication and collection activities and that you have notified all credit reporting agencies to remove this account from my credit report. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, under the FCRA, section 609, I certified postal mailed XXXX, XXXX, and XXXX, disputing item : XXXX XXXX XXXX XXXX XXXX, with a balance of {$7800.00}, listed on my credit report. I requested they provide contracts and/or a lease with my signature. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification. 

On XX/XX/year>, I certified postal mailed XXXX, XXXX, and XXXX, and stated that I believe my identity has been compromised, I have reported this issue to the FTC, and I have placed security alerts around my credit. I am requesting that these incorrect items be removed. 

On XX/XX/year>, under law 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I certified postal mailed XXXX, XXXX, and XXXX, notifying them that credit item, XXXX XXXX XXXXXXXX XXXXXXXX XXXX, has failed to provide validated and verified documentation, within 30 days, to prove the item ( s ) are accurate. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification.

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 2024-10-22 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 writing to formally request the immediate removal of inaccurate addresses from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Please find enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Report, which I have submitted, as well as supporting documentation, including a recent utility bill that verifies my current and correct address. 

I do not recognize nor have I ever been associated with the following addresses currently listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Only address that should be reported is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act XXXX it is your responsibility to ensure that all information reported on my credit file is accurate and verifiable. These addresses are incorrect, and I do not wish for them to remain on my credit profile, as they are damaging and misleading. 

In addition, under the Uniform Commercial Code ( UCC ) and the Truth in Lending Act ( TILA ), I have the right to fair and accurate reporting of my personal information. I request that your bureau remove these erroneous addresses from my credit report to prevent further potential damage.

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 2024-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Requested a debt validation for the fraudulent charges listed on the attached FTC report, no debt validation letters were ever sent to me after I requested them from the 3 debt collectors listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
XXXX they lying and taking money out of my account and illegal lied why they closed my checking account with XXXX in it and did a wire transfer I never received and had my account disabled and lied and only showing my savings account. They lying they never called and ask me to respond and it was over XXXX XXXX dollars in my account and never received both mailed bank cards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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 submitted a XXXX XXXX  dispute. I am a victim of XXXX. The adverse information, which appears on my credit report, is the result of that XXXX. I asked Equifax to please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Equifax did not block or remove the adverse information. I submitted all required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
Re : ACCOUNT NUMBER UNKNOWN Dear REPRESENTATIVE, I am writing to formally demand that you cease all communication with me regarding the above-referenced account, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I request that you cease all collection activities, including but not limited to phone calls, letters, or any other forms of communication, concerning this account.

In addition, this letter serves as a formal demand for you to immediately cease reporting this account to any credit reporting agencies. I believe this account to be the result of identity theft, which I have previously disputed. Attached is a copy of my identity theft report for your records. Since this account is fraudulent, it should not be reflected on my credit report, and I expect you to take immediate action to remove it.

This letter does not serve as an acknowledgment of any debt or liability. I do not consent to any communication by phone, at my place of employment, or home regarding this matter. If you intend to take legal action, any further communications should be limited to written notice of such action as required by law.

Failure to comply with my request may result in further legal actions.

I expect written confirmation within 30 days that you have ceased all communication and collection activities and that you have notified all credit reporting agencies to remove this account from my credit report. 

Thank you for your immediate attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation