vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In XX/XX/2023, pursuant to the XXXX XXXX XXXX XXXX, my wife and Is student loan in the amount of {$XXXX} with XXXX XXXX was forgiven. 
Equifax continues to incorrectly report this account this account as owing {$XXXX} ( The other credit bureaus have removed it. ) I have twice filed complaints with Equifax ( XX/XX/XXXX, XXXX & XX/XX/XXXX, XXXX : XXXX ) ) to get the balance removedagain, as the other two reporting agencies ( XXXX and XXXX ) have correctly done. 
Equifax simply doesn't explain why they are the only Credit Bureau that continues to report this incorrectly. 
Bizarrely, when I contact XXXX XXXX in an attempt to get them to communicate, they say they can not locate the account. 
At the point, the only impediment to home ownership is this listing as I was recently declined a mortgage because this account is incorrectly listed as our owing {$XXXX}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The information is not accurate, and I would like it to be removed from my report, immediately. I have attached supporting documents. Please review.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
XXXX and Citibank failed to perform a reinvestigation of a charge-off account reported by Citibank on my credit report. The account in question is listed under XXXX and has been marked which I believe may be inaccurately reported. XXXX and Citibank didnot provide the method of the reinvestigation. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to an accurate and complete credit report. The FCRA mandates that credit reporting agencies ensure the information in credit reports is both fair and accurate. Inaccurate or incomplete information must be corrected or removed. 
Moreover, the FCRA requires that any reported late payments must be accurate and substantiated. Under 15 U.S.C. 1681c, late payments must reflect the true nature of the account status. If a late payment entry is incorrect or outdated, it should be promptly rectified.

Failure to comply with these requirements can be considered willful non-compliance under 15 U.S.C. 1681n, which addresses the responsibilities of credit reporting agencies to maintain accurate records and the legal repercussions for failing to do so. 

In light of these legal obligations, I request the following information regarding the reinvestigation process : The specific procedures XXXX will follow to verify the accuracy of the reported charge-off and any related late payments. 
Details on how communication with Citibank will be managed to obtain updated or corrected information. 
The anticipated timeframe for completing the reinvestigation. 
How and when I will be notified of any changes or updates resulting from this process. 
I expect a thorough reinvestigation and prompt resolution of this matter in compliance with FCRA standards. Please keep me informed of any updates or changes to 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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This has been an ongoing issue that needs to come to an end. XXXX XXXX has single handedly ruined my credit. My FICO went from over XXXX to XXXX overnight. I have been dealing with this for XXXX years and now its XXXX that the credit reporting agencies help get these wrong accounts off my credit report. XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX The XXXX XXXX XXXX listed here is not my credit card number. I have asked for proof of card and debt for over a year. This account and XXXX other XXXX XXXX accounts continue to be sold to the next collection agency and my name and info go right along with an account number that has never been mine never activated or used by me. I feel that XXXX years trying to have this removed from my record and my credit FICO score repaired by the false reporting is long enough. I went from from XXXX FICO to a XXXX overnight when XXXX XXXX Closed my XXXX XXXX and my XXXX personal credit cards which had XXXX balance at the time of closure. XXXX XXXX has never done what they have promised to do and that is repair my credit that they ruined!. 

I now ask that the XXXX credit bureaus step in and get this rectified. 

I have attached my XXXX XXXX XXXX XXXX XXXX I have attached the XXXX XXXX XXXX payments made to those cards in XX/XX/XXXX I was wrongly reported. And this now needs to be fixed. XXXX XXXX has been unable to produce my signature for the card numbers sent to collection and and they sent me to collections on something I have never opened owned activated or used. 

I would like XXXX of the XXXX XXXX accounts removed from Collections and false reporting cleaned up with each credit bureau! 

My XXXX credit cards were paid in full they have a XXXX balance. 

This is the only XXXX  XXXX  credit I have owned, activated used and paid off in full. XXXX. XXXX  XXXX  personal account is XXXX XX/XX/XXXX exp And personal card number XXXX exp XX/XX/XXXX These are my XXXX personal capital XXXX cards and once again the card numbers I owned activated and used are below The ones that were sent to collections and reported her are not accurate they are not my account numbers I have never owned activated or used them I ask that they be removed from the three credit reporting bureaus. 

When XXXX  XXXX reported me they started a snowball effect my XXXX card limit moved down to XXXX XXXX XXXX refused my payment closing the account down. I expect my credit to be repaired this is not right this is not fair.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is a bankruptcy resorted in my account that does not belong to me. I want it removed immediately.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have disputed this account XXXX XXXX # XXXX several times because it is reporting inaccurate and I want it deleted off my consumer report. However XXXX and Trans Union says it reporting accurate but both companies reporting different things. WHICH ONE IS TRUE?? This is a violation to my consumer law rights, everything on my consumer report MUST BE FACTUALLY AND TRUE. I have also enclosed copy box report to support my complaint.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
my accountant has exhausted several measure including but not limited to opting out of all of the bureaus and as of XX/XX/year> a new address along with a credit account populated on my Experian profile. There should only be XXXX consistent and succinct name, address, etc on my profile. Furthermore it has been brought to my attention that my name is a common one. This adds further validity to the inaccuracy of my profile.

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 2024-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
Prior to XX/XX/XXXX, I was pursued by SOFI who endorsed : " you will save more money if you refinance your loans through Sofi ''. Sofi encouraged me to look into their student loan calculator ( on their website ) and I began to complete research to see if Sofi would be a good refinance option for me. I entered in the information ( current federal loan borrower, interest rate, amount I owed ) and the calculator spit out a number ( that I never screenshotted for evidence, but remember ) was well over {$90000.00}. 

Prior to Sofi I was with XXXX XXXX and my loan amount was {$230000.00}. On XX/XX/XXXX, I signed an agreement for a 15 year loan term. I updated that loan term on XX/XX/XXXX to a 20 year loan term with a 6.299 % interest rate. 

Enclosed in attachments, you will find evidence of how to utilize Sofi 's Calculator in order to see if Refinancing with them is a good option. 

On XX/XX/XXXX, my attorney, XXXX XXXX, sent Sofi a demand letter asking for them to provide proof I would save money through the lifespan of my loan if I refinanced with them. 

Sofi was also asked to credit my account with the difference of what exceeds the account balance.

As you can see, in Sofi 's response, they did not address the questions being asked and provide evidence to the claims and promises stated as they pursued me They have chosen to state " XXXX signed the loan application and approval disclosure '', which I did. They also chose to state Sofi 's calculator is offered for " educational purposes to explore a potential loan application. '' Sofi has endorsed, in their respond letter to XXXX, " calculated payments and savings are only estimates. '' As a potential consumer in their product, this has been misleading because in XXXX when I filled out the calculator, it was calculated that I would be saving well over {$90000.00} otherwise I would have not left XXXX XXXX. 

In the enclosed screenshot, it is stated that I will be in a deficit of over $ XXXX with a 20 year loan. 

I have relied on SoFi to act in my interests in advising me about options to address my financial situation, including helping me when I experienced financial hardship or distress select a suitable alternative repayment plan. That reliance was reasonable in part because both SoFi and the U.S. Department of Education repeatedly encouraged me to rely on their servicer to help them in this way. As described above, in numerous instances, SoFi took unreasonable advantage of my reasonable reliance on SoFi to act in their interests. SoFi did not act in my interest because it steered me to a longer loan lifespan with increased monthly payments rather than adequately advising me about income-driven repayment plans that would have been financially beneficial to me or stay with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). The account in question is from XXXX XXXX XXXX, with the following details : Account Number : XXXX Balance : {$52.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit XXXX 's internal collection department Balance Date : XX/XX/year> Account Status : Not Satisfying Trade Dispute Basis : No Valid Contract : I do not have any contractual relationship with XXXX XXXX XXXX. Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must not use false, deceptive, or misleading representations. The absence of a direct contract between myself and XXXX XXXX XXXX invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. The information reported by XXXX XXXX XXXX, including the balance and status of this account, is inaccurate. Furthermore, the account was reported as " Seriously past due '' without sufficient evidence or verification of the debt. 

Potential Consumer Rights Violation : Reporting this account as derogatory without a valid contract and sufficient evidence XXXX constitute a violation of my consumer rights under the FCRA. The lack of detailed payment history and unclear status updates further questions the legality of this reporting. 

Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately. 

Please notify me of the outcome of your investigation within the XXXX period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report. 

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: FMA Alliance, Ltd.
State: GA

Complaint narrative:
I am filing this complaint to inform you that FMA Alliance has unlawfully reported an unauthorized inquiry on my XXXX consumer report. I have not given permission for FMA Alliance to access my consumer report, and there is no permissible purpose by law for this inquiry. I am a victim of identity theft. I have filed an identity theft report with my local police department and the FTC. ( see Evidence ) I have not initiated any transaction with FMA Alliance. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with FMA Alliance for review or collection. I wrote to FMA Alliance on XX/XX/XXXX [ certified mail # XXXX ] and again on XX/XX/XXXX [ certified mail # XXXX ] to resolve this issue to no avail ( See Evidence ). I have requested the general or specific certifications pursuant to Rule 1002 required by 15 U.S.C. 1681b ( f ) ( 2 ) to establish permissible purpose and they have provided no such documentation.

Details of Violation : Date of Unauthorized Inquiry : XX/XX/XXXX Consumer Reporting Agency : XXXX ( 1 violation ) By obtaining my consumer report on the aforementioned date without any permissible purpose, FMA Alliance is in violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ), 15 U.S.C. 1681b ( f ) ( 2 ), and15 U.S.C. 1681e ( a ). Therefore, FMA Alliance has committed 15 U.S.C. 1681q, which is tantamount to 18 U.S.C. 1028A. This statute invokes 15 U.S.C. 1681n ( a ) ( 1 ) ( B ), and I am owed remedy per violation. 

References : Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Gramm-Leach-Bliley Act  ( 15 U.S.C. 6823 ) 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681n ( a ) ( 1 ) ( B ) Bureau of Consumer Financial Protection Advisory Opinion : 12 CFR Part 1022, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports.

Statutes Violated : 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ) 15 U.S.C. 1681q 18 U.S.C. 1028A

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I closed my Wells Fargo over a month ago. I went into a branch and closed it. On Friday, XX/XX/2024, a deposit was accidentally sent to the closed bank account. Instead of Wells Fargo sending the ACH back, it reopened the account and took my money to pay a debt that I owed to another entity. I was a victim of an XXXX. I have a XXXX XXXX XXXX XXXX XXXX XXXX I was going to use that money on medical expenses. Wells Fargo had no XXXX business reopening that account. It was closed for a reason. Wells Fargo needs to give me my funds before I pursue legal action against them. They had no business reopening a closed account without my permission.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with fair credit reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 account : XXXX XXXX XXXX account number : XXXX account : XXXX XXXX XXXX  XXXX amount : {$100.00} account : XXXX XXXX account number : XXXX amount : {$730.00} account : XXXX XXXX amount : {$100.00} I looked at my transunion credit report on XX/XX/year> and noticed some thing are inaccurate and incomplete. and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow proper procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 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 2024-08-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XXXX I transferred {$1800.00} from my XXXX prepaid credit card to my XXXX  XXXX XXXX XXXX checking account via the Money Network website. The money was never deposited, in spite of receiving a confirmation of the transfer request. Customer service said there was an error and the money would be returned to my debit card in XXXX business days. That did not happen either. I filed a dispute claim, as instructed, and included screenshots of the transaction, with my correct bank information listed, and the confirmation. I received a letter stating that my claim was denied, without explanation. I have reached out several times, over the last XXXX months, both by telephone and email. Customer service can not help me and tell me to send an email to the prepaid card dispute address and those inquiries are ignored. I never get a response. There has been no XXXX trace, that I am aware of, or any kind of investigation to see what happened to my money and where it went. It is the equivalent of almost a month 's worth of unemployment benefits. I am unable to get a hold of anyone that can/will help me resolve the matter. At this point, I consider it fraud and theft. I have filed a complaint with the FDIC, FTC and OCC. I have also written my local and state representatives. I have updated my XXXX account, as they now offer direct deposit, so I will never have to deal with Money Network again.

Company response to consumer: Closed with explanation