vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I went to annualcreditreport.com and request my credit reports from all 3 credit bureaus and the only one that gave me trouble was transunion. I tried on 2 occasions and even called the number provided on the site. They did not send me a copy of 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 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Is reporting an account to the credit bureaus that does not match my personal information. I will like it to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
AMERICAN CREDIT ACCEPTANCE Placed an unauthorized hard inquiry on my credit file. I did not authorize AMERICAN CREDIT ACCEPTANCE to perform a hard inquiry on my credit file. This is a fraudulent inquiry placed on my credit file by AMERICAN CREDIT ACCEPTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.

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 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
SOFI was the company involved Merchant Name : XXXX  XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$210.00} Merchant Name : XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$23.00} Merchant Name XXXX XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$34.00} Merchant Name : XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$73.00} Merchant Name : XXXX XXXX  Transaction Date : XX/XX/2024 Transaction Amount : {$46.00} Merchant Name : XXXXXXXX XXXX XXXX XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$80.00} Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$57.00} Merchant Name : XXXX AND XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$54.00} Merchant Name : XXXX XXXXransaction Date : XX/XX/2024 Transaction Amount : {$87.00} Merchant Name : XXXX XXXX XXXX XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$25.00} Merchant Name : XXXX XXXX - XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$42.00} My card was stolen and I didnt realize it until to late. I knew there was money in my Sofi account so I usually dont go in there to look and see very often usually only on paydays and I usually dont take my Sofi card out with me ( due to XXXX XXXX being a thing ) unless I go to dinner so I figured thats where got stolen. So I went it and saw all of these random charges over XXXX dollars and it threw me off really bad. I filed a dispute with Sofi and only after 2 days they decided to close the dispute saying that there was no signs it got stolen even though I dont shop at those places I am a man. I reopened it back up and only after a day they denied my dispute again, Ive contacted support multiple times with no help and they wont talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Clarity Services XXXX Experian, XXXX and XXXX credit reporting agencies, 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 the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} - Listed as opened XXXX XXXX Acct # XXXX Bank Accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Routing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXuting XXXXXXXX XXXX  Acct XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Acct XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Routing XXXX - Acct XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-06 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

U S DEPT OF EDXXXX 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 2024-12-06 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax 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 : LIST OF ITEMS TO BE REMOVED 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 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 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
XXXX XXXX XXXX  Placed an unauthorized hard inquiry on my credit file. I did not authorize XXXX XXXX XXXX  to perform a hard inquiry on my credit file. This is a fraudulent inquiry placed on my credit file by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: VA

Complaint narrative:
CFPB, I noticed on my TransUnion credit report that, TransUnion removed my XXXX XXXX XXXX XXXX loan from my credit report. I'm attaching all supporting documents including Account number.

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 2024-12-06 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: AL

Complaint narrative:
I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.

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 2024-12-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX am writing to request an immediate update and correction to my account with XXXX XXXX XXXX XXXX XXXX I have received IRS Forms 1099-C and 1099-A, which confirm the discharge of my obligations totaling {$18000.00}. However, my account remains inaccurately reported, as the discharged debt continues to appear on my consumer credit reports, and I am still receiving incorrect billing statements. 
Additionally, I believe that XXXX XXXX XXXX XXXX does not own the debt in question. To verify this, I request a full account ledger detailing my accounts transactions, ownership, and any transfer of rights associated with the account. 
Account Information Borrower Name : XXXX XXXX Total XXXX Amount : {$18000.00} Discharge Evidence : Copy B of 1099-C and 1099-A attached Request for Action 1. Account Update : Please update my XXXX XXXX account to reflect the discharge and confirm a {$0.00} balance. 
2. Credit Reporting Adjustment : Notify all credit reporting agencies ( XXXX, XXXX XXXX TransUnion XXXX to remove any negative or active entries associated with this discharged debt. 
XXXX. Cease Billing Statements : Discontinue all billing statements or communications related to this discharged debt.

4. Provide Account Ledger : Supply a complete and accurate ledger for my account, including all transactions and ownership details.

Supporting Documentation Enclosed with this letter, you will find copies of the following : IRS Form 1099-C ( Cancellation of Debt ) IRS Form 1099-A ( Acquisition or Abandonment of Secured Property ) These documents clearly establish that my obligations have been discharged in compliance with applicable federal and contractual guidelines.

Follow-Up and Contact Please confirm receipt of this request and provide a timeline for resolution. You may contact me directly. 
If this matter is not resolved promptly, I will escalate my concerns to any appropriate regulatory bodies to ensure compliance with federal laws regarding debt discharges and credit reporting. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the necessary updates and corrections. 
Sincerely, XXXX XXXX Enclosures : Copy of 1099-C Copy of 1099-A Also the collection still being reporting for an auto loan while the auto was repossessed illegally without notice and sold. The amount you sold it for is the amount cleared of the alleged debt! That is also reported illegally and inaccurately.

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 2024-12-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX am writing to request an immediate update and correction to my account with XXXX XXXX XXXX XXXX XXXX I have received IRS Forms 1099-C and 1099-A, which confirm the discharge of my obligations totaling {$18000.00}. However, my account remains inaccurately reported, as the discharged debt continues to appear on my consumer credit reports, and I am still receiving incorrect billing statements. 
Additionally, I believe that XXXX XXXX XXXX XXXX does not own the debt in question. To verify this, I request a full account ledger detailing my accounts transactions, ownership, and any transfer of rights associated with the account. 
Account Information Borrower Name : XXXX XXXX Total Discharged Amount : {$18000.00} Discharge Evidence : Copy B of 1099-C and 1099-A attached Request for Action XXXX. Account Update : Please update my XXXX XXXX account to reflect the discharge and confirm a {$0.00} balance. 
2. Credit Reporting Adjustment : Notify all credit reporting agencies ( XXXX, Equifax XXXX XXXX XXXX to remove any negative or active entries associated with this XXXX debt. 
XXXX. Cease Billing Statements : Discontinue all billing statements or communications related to this discharged debt.

4. Provide Account Ledger : Supply a complete and accurate ledger for my account, including all transactions and ownership details. 
Supporting Documentation Enclosed with this letter, you will find copies of the following : IRS Form 1099-C ( Cancellation of Debt ) IRS Form 1099-A ( Acquisition or Abandonment of Secured Property ) These documents clearly establish that my obligations have been discharged in compliance with applicable federal and contractual guidelines.

Follow-Up and Contact Please confirm receipt of this request and provide a timeline for resolution. You may contact me directly. 
If this matter is not resolved promptly, I will escalate my concerns to any appropriate regulatory bodies to ensure compliance with federal laws regarding debt discharges and credit reporting. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the necessary updates and corrections. 
Sincerely, XXXX XXXX Enclosures : Copy of 1099-C Copy of 1099-A Also the collection still being reporting for an auto loan while the auto was repossessed illegally without notice and sold. The amount you sold it for is the amount cleared of the alleged debt! That is also reported illegally and inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Boiling Springs, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear XXXX XXXX XXXX XXXX XXXX I am writing to request an immediate update and correction to my account with XXXX XXXX XXXX XXXX XXXX I have received IRS Forms 1099-C and 1099-A, which confirm the discharge of my obligations totaling {$18000.00}. However, my account remains inaccurately reported, as the discharged debt continues to appear on my consumer credit reports, and I am still receiving incorrect billing statements. 
Additionally, I believe that XXXX XXXX XXXX XXXX does not own the debt in question. To verify this, I request a full account ledger detailing my accounts transactions, ownership, and any transfer of rights associated with the account. 
Account Information Borrower Name : XXXX XXXX Total Discharged Amount : {$18000.00} Discharge Evidence : Copy B of 1099-C and 1099-A attached Request for Action 1. Account Update : Please update my Navy Federal account to reflect the discharge and confirm a {$0.00} balance.

2. Credit Reporting Adjustment : Notify all credit reporting agencies ( Experian, XXXX XXXX XXXX XXXX to remove any negative or active entries associated with this discharged debt.

3. Cease Billing Statements : Discontinue all billing statements or communications related to this discharged debt. 
4. Provide Account Ledger : Supply a complete and accurate ledger for my account, including all transactions and ownership details.

Supporting Documentation Enclosed with this letter, you will find copies of the following : IRS Form 1099-C ( Cancellation of Debt ) IRS Form 1099-A ( Acquisition or Abandonment of Secured Property ) These documents clearly establish that my obligations have been discharged in compliance with applicable federal and contractual guidelines.

Follow-Up and Contact Please confirm receipt of this request and provide a timeline for resolution. You may contact me directly. 
If this matter is not resolved promptly, I will escalate my concerns to any appropriate regulatory bodies to ensure compliance with federal laws regarding debt discharges and credit reporting. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the necessary updates and corrections. 
Sincerely, XXXX XXXX Enclosures : Copy of 1099-C Copy of 1099-A Also the collection still being reporting for an auto loan while the auto was repossessed illegally without notice and sold. The amount you sold it for is the amount cleared of the alleged debt! That is also reported illegally and inaccurately.

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 2024-12-06 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed accounts on my credit file that are not accurate, nor do i recognize them. These inaccurate accounts are hurting my ability to obtain credit.

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