vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: TN

Complaint narrative:
I have attached all relevant documentation again for your reference : XXXX XXXX Under the FCRA ( 15 U.S.C. 1681i ), you are required to : Investigate the Dispute Thoroughly : This includes contacting the furnisher of the information and reviewing the evidence I have provided. 
Correct or Remove Inaccurate Information Promptly. 
Failure to comply with these requirements constitutes a violation of federal law. I request immediate resolution of this matter and written confirmation of the corrections within 15 days of receipt of this letter. 

If the inaccuracy is not resolved, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and/or initiating legal action to seek damages as allowed under the FCRA. 

I trust you will handle this matter with the urgency it deserves. If you require further information,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NV

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-20 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-20 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to remove the security freeze on my Equifax account for several years. I have been on several phone calls and have mailed several letters and related requests but have not been able to resolve the problem. 

Equifax customer service says the reason they can not access my file is because I do not have a credit history and no credit account. But I have an account with Equifax -- it is frozen and I can not unfreeze it to apply for a credit card. I do not have a similar problem with XXXX or XXXX. Unfortunately, our bank -- XXXX XXXX -- only uses Equifax so I need to resolve the problem I have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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 am formally disputing inaccurate and unauthorized information listed on my credit report. Ive received no notice an given no consent. This dispute is made in accordance with 15 U.S.C. 1641 ( b ) and 15 U.S.C. 1641 ( c ). I did not authorize the release or reporting of my personal information to the companies, and this constitutes a clear violation of my privacy rights. These entities have no legal grounds to report anything under my name.

Furthermore, my credit report contains unauthorized inquiries, which I did not initiate. According to 18 U.S.C. 1028, unauthorized inquiries are, by definition, identity theft. I consider these inquiries a clear case of identity theft, I demand that all disputed items be immediately removed from my credit report. 

In addition to these unauthorized inquiries, I have found private educational accounts being reported on my credit file without my consent. I do not wish for these private accounts to be disclosed or included in my credit report. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), which governs the collection, maintenance, use, and dissemination of personal information by federal agencies, I am entitled to control how my personal information is used and disclosed. This disclosure without my consent is in clear violation of my rights under this Act.

15 U.S.C. 6802 and 16 CFR 433.1 and 16 CFR 433.2 establish clear obligations regarding the protection of personal information and prohibit unfair or deceptive practices.

Pursuant to title 18 U.S.C 8 I do not owe any debt to these entities and I demand the immediate deletion of the items an inquiries in question to correct my credit report. 

Ive listed all the items SEE ATACHED.

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 2024-12-20 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: TX

Complaint narrative:
I am formally disputing inaccurate and unauthorized information listed on my credit report. Ive received no notice an given no consent. This dispute is made in accordance with 15 U.S.C. 1641 ( b ) and 15 U.S.C. 1641 ( c ). I did not authorize the release or reporting of my personal information to the companies, and this constitutes a clear violation of my privacy rights. These entities have no legal grounds to report anything under my name.

Furthermore, my credit report contains unauthorized inquiries, which I did not initiate. According to 18 U.S.C. 1028, unauthorized inquiries are, by definition, identity theft. I consider these inquiries a clear case of identity theft, I demand that all disputed items be immediately removed from my credit report. 

In addition to these unauthorized inquiries, I have found private educational accounts being reported on my credit file without my consent. I do not wish for these private accounts to be disclosed or included in my credit report. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), which governs the collection, maintenance, use, and dissemination of personal information by federal agencies, I am entitled to control how my personal information is used and disclosed. This disclosure without my consent is in clear violation of my rights under this Act.

15 U.S.C. 6802 and 16 CFR 433.1 and 16 CFR 433.2 establish clear obligations regarding the protection of personal information and prohibit unfair or deceptive practices. 

Pursuant to title 18 U.S.C 8 I do not owe any debt to these entities and I demand the immediate deletion of the items an inquiries in question to correct my credit report. 

Ive listed all the items SEE ATACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XX/XX/year>, I called this Genesis company, and explained that I had a fraudulent application fee to apply to an apt Complex, XXXX XXXX in XXXX XXXX. The BANK refunded me that fee from their fraud. They are not due any money. They then proceeded apparently to " write this off '' as a debt, never sued or had any legal recourse to even try to collect it after the bank refunded me from their fraudulent terms on the application, and Genesis, refused to even listen, continued to try to extort {$330.00} and left it on my credit report to try to force this unlawful payment. They have done this habitually and bully and blackmail people into paying this to get it removed from their credit reports. I asked to speak to a supervisor, they just left me on hold and never connected me to anyone. The man that answered my call tried to continue to bully me and demand payment. I do not owe anything for a canceled application that I was refunded on from my own bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: OR

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: OH

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-12-20 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: OH

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I deposited a local Massachusetts lottery check worth {$1000.00} dollars on early monday morning ( XXXX XXXX )- and I was told by the teller that since it is local it will clear overnight. 

The next day there was an overdraft and the bank charged XXXX XXXX $ = XXXX $ in overdraft fee charges. 

Here are the sequences XXXX XXXX XXXX XXXX  - Deposited {$1000.00} Mass Lottery check ( XXXX x XXXX check ) XXXX XXXX XXXX XXXX  - Check still not cleared but resulted in overdraft XXXX XXXX before XXXX XXXX- Deposited XXXX $ cash XXXX XXXX before XXXX pm Deposited XXXX checks worth {$660.00} XXXX Deceember before XXXX XXXX  - deposited XXXX $ cash to ATM bank XXXX XXXX ATM XXXX out of service ) - did not work. so had to travel to another bank to deposit. 

I got the receipts showing positive balance. 

image.png But unfortunately, your webster bank bank conveniently posted all my deposits to the next day to collect Overdraft fees- this is unfair My account number : XXXX Type of Account : Checking I have been a Webster bank customer for over 6 years. 

I can not afford XXXX $ in overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-20 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: AZ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive been a victim of IDENTITY THEFT, my Identity has been compromised, in the event several accounts were opened in my name ruining my credibility as a consumer and damaging my reputation. 
A car was leased or purchased using my information with out my knowledge nor consent with company XXXX XXXX XXXX XXXX  Date opened s XX/XX/year> Account # XXXX Balance $ {$30000.00} This account is in result of identity theft and I have no recollection whatsoever of this loan This account is FRAUD AND DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and Issues 1. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o XXXX XXXX : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o TransUnion : " Dispute resolved ; customer disagrees. '' o XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' o XXXX : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX o Date of Last Payment : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for XXXX, XXXX there is a mix of " OK '' and " CO. '' 6. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
I received a text from sofi about a transaction that was suspicious and was told to reply whether I made the transaction or not. Well I didnt make the transaction and replied that I didnt. XXXX still allowed almost {$2000.00} of my fund to be stolen and just locked my card. I disputed the transaction and replaced my card but they havent even offered a provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
An account listed on my credit report is inaccurate and erroneous. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX is inaccurate and should not be listed on my credit report. Dates are not reporting correctly, date last active, date of last payment, 30/60/90 are different on credit reports. This account was already removed from one report for multiple violations of the fcra. Ive attached screenshots of this account from two different credit reports. And they differ greatly, and at the same time both are wrong.

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