vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX inquiry date XX/XX/XXXX 2. XXXX Inquiry date XX/XX/XXXX 3. XXXX Inquiry date XX/XX/XXXX 4. XXXX Inquiry date XX/XX/XXXX 5. XXXX Inquiry date XX/XX/XXXX 6. XXXX Inquiry date XX/XX/XXXX 7. XXXX XXXX Inquiry date XX/XX/XXXX 8. XXXX XXXX Inquiry date XX/XX/XXXX 9. XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX 10. XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX 11. XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX 12. XXXX XXXX Inquiry date XX/XX/XXXX 13. XXXX XXXX Inquiry date XX/XX/XXXX 14. XXXX XXXX Inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete.

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 2022-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Collection Agency has asked all reporting agencies to delete this debt due to fraud. 

Equifax, XXXX, XXXX are still reporting these debts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is failing consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Accounts Has violated my rights, XXXX # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A state I have the rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
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 U.S.C 1681. 

Accounts Has violated my rights, XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A state I have the rights 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.

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I have filed multiple reports against Equifax about them not updating my personal information on my credit file. I have submitted and resubmitted, but yet it goes unchanged. That tells me they are possibly using a computer bot and not humans to read these dispute letters. I just recently received a letter from them asking me to pls to do the following : submit a copy of either my social security card, drivers license and/or an official document to update my name. You also stated that you were unable to honour my request by sending a revised copy of my Equifax credit file. I further advised them that I have sent a copy of an official document along with my drivers license which clearly shows my updated information. Im of the belief that, they're using a computer bot to respond to disputes otherwise they would have seen that those now requested documents were already included in my dispute request. I have pleaded with them to update my information multiple times but they have refused to do so and are now using stall or delay tactics. I have even filed several complaints with CFPB but yet they still ignore my request to accurately and completely update my personal information. This isnt acting in accordance with FCRA laws and guidelines. This makes the 5th and final request asking them to honor FCRA laws and guidelines by updating my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX has violated my rights.

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 stated a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX # XXXX, has violated my rights.

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
XXXX is failing consumers

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed unauthorized account on my credit report. Someone else applied in my name According to the FCRA this Unauthorized and unverified account must be removed immediately. 

XXXX XXXXXXXX XXXX : Account # XXXX Date opened XX/XX/XXXX ( 3 yrs, 10 mos ) I also noticed an Unauthorized Inquiry that i did not approve The inquiry is unauthorized and unverifiedand must be removed immediately. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 1.XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2.XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
3.XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4.XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5.XXXX  Account Number : XXXX Please remove it from my credit report 6.XXXX  Account Number : XXXX Please remove it from my credit report. 







has violated my rights. 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

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 



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 written instructions.

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 2022-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I had made a PayPal account after I had made a bank account for the first time and then connected my bank account to PayPal. I had tried to make some purchases but I gave me authentication failures. The purchase eventually went through and then I tried to buy some other stuff but the same thing happened. PayPal then notified me that my account was permanently limited, I called customer service and they said that there was nothing they could do. This happened around XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I don't know Spring Oaks Capital , LLC NOR I have made business with them. I have no obligation to pay any amount to this collection company since I have never done business with them. Collection company need to validate my information and since they already mention they purchased the debt ( debt not validated ) I won't pay a dime. Collection companies only have access to the statements the original creditors send along after paying pennies over dollar for each debt. You won't get my money and you need to delete this trademark placed on my file. So get that UDF updated or I will pursue SUEing the company. A validation ( certified ) letter was send on XX/XX/XXXX asking for validation, this information was never provided by them. Also, they were asked to cease all collection during all this period of investigation time and they haven't, hence, violated the CFPB and FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX  # XXXX & Credit Acceptance # XXXX has violated my rights. 

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 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is ineffective

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
I received a credit card from XXXX XXXX XXXX  that I never applied for and received a hard inquiry on 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 explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
I received a credit card from XXXX XXXX XXXX  that I never applied for and received a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States l 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 account without my written instructions.

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Social Finance, Inc.
State: AL

Complaint narrative:
Hello, We have a personal loan with SoFi and in late XXXX & XXXX were unable to make some of our loan payments. We let SoFi know that we were struggling due to my job loss and we had never been late on any other loan ( please see credit report for confirmation of this ). We tried to dispute this through each credit bureau to no avail. Weve done this multiple times but each time SoFi does nothing to remove the 3 negative late payments on our credit report. I have been able to get a couple jobs in my industry throughout COVID however there have been many layoffs. SoFi has allowed us at least twice to pay less than our full payment, which has helped but at this point they said there is nothing more they can do for us, even though I lost my job last year. The last time I spoke with a representative at SoFi I asked her am I supposed to pay you instead of my mortgage and groceries? in order to not have another late ( s )? She basically shrugged my statement off. Now I am blessed more than many others in this country and around the world that my husband does work, however we still cant pay our monthly bills without me working as well. I have over {$90000.00} in student loan debt to pay, etc, etc. I need SoFi to do the right thing and remove the lates it is showing erroneously on our credit report. This company has been terrible to work with and does not have the consumers interest at heart. If this is happening to myself, I can not imagine how it might be affecting other families out there who are struggling to maintain their credit scores but keep food on their table.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Faith does not make things easy but possible. I was so very badly destructed and out of shape by what I believe is above limit discrimination with no solution. But, recently, I started to improve and attempted to get my very badly fractured life, liberty and pursuit of happiness get done together up to my capacity. I visited the FTC website and found important information about the data breach settlement with EQIFAX. I received the data breach victim notice by the time., but there was nothing new or business was as usual. The most recent complaint that I submitted to the CFPB just weeks ago got resolved in less than two weeks [ I barely get the desired response but this one was amazing may be because it is day light stuff without any string to be attached ]. What is my right? I read that they are paying up to {$20000.00} to some individual victims or consumers. I can not understand in depth., but I confirm that I am one of the consumers who received that notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed unauthorized account on my credit report. Someone else applied in my name According to the FCRA this Unauthorized and unverified account must be removed immediately. XXXX  XXXX XXXX : Account # XXXX Date opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) I also notice an unauthorized inquiry that i didn't approve XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have told these people many times that they are reporting inaccurate information on my credit report. I have told them different laws that they are breaking and they still have not done a thorough investigation into this information. If this continues, I will seek monetary compensation for the pain and suffering that this is causing me as well as for every FCRA and FDCPA law that they are violating. Please remove this account completely from my consumer report immediately. XXXX has already removed it.

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights.

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 written instructions.

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 2022-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX, I received communication from UPGRADE INC. via email. UPGRADE made deceptive material representations to try and induce me to enter into paying an alleged debt in the amount of {$660.00} reference to obtaining a good standing in credit worthiness and reputation. Furthermore, they stated the 7 year charge off would only be irreversible if I made a payment. They violated 15 usc 1692 ( e ) ( 10 ) - for the false representation deceptive means to collect or attempt to collect this fraudulent debt. UPGRADE violated 18 usc 894 with criminal acts of extortion and extorting me of my extension of credit and collecting a total of {$2400.00} from XX/XX/XXXX to XX/XX/XXXX. UPGRADE abusive acts took unreasonable advantage of my reliance upon them to provide a service to me in good faith on my behalf per 12 CFR 5531 ( d ) ( c ). instead I be came a victim with injuries of their fraud and unfairness. They furnished deceptive form and promissory notes and sold them to XXXX XXXX XXXX to attempt to collect on a fraudulent alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Previous complaint was unresolved. Account is listed as current, but I am unable to manage online. Payments are going through their collection office even though account is not in collection. Then they raised the interest rate without my knowledge from 12-13 % to 30 %. Calls, chats and emails are like chasing a cat. Collection office ( while not in collections ) says talk to customer then customer service WILL NOT HELP or answer the questions. TOTALLY BEING STONEWALLED. I want out of all business with HSBC and they will not entertain an offer to settle the account either. Saying that I have to be delinquent. Its an absolute JOKE. VERY FRUSTRATED

Company response to consumer: Closed with explanation