vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I recently reviewed my credit report and noticed I had addresses that don't belong to me. 
These are the addresses : - 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

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 2024-04-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE CONTACTED EQUIFAX, XXXX, AND XXXX, REGARDING FRAUDULENT INFORMATION REPORTING TO MY CREDIT REPORT. I HAVE SENT IN MULTIPLE POLICE REPORTS, AND THE CREDIT BUREAUS HAVE NOT DELETED THESE ITEMS WITHIN XXXX BUSINESS DAYS OF RECEIPT OF THE INFORMATION, VIOLATION SECTION 605B OF THE FCRA. THIS INFORMATION HAS BEEN VERY DAMAGING. I HAVE ALSO REQUESTED ORIGINAL WET INK SIGNATURE CONTRACTS PURSUANT TO SECTION 609A OF THE FCRA. EQUIFAX HAS STATED TO ME THAT " CREDITORS '' DO NOT NEED TO SEND IN VALID PROOF ( ORIGINAL WET INK SIGNATURE CONTRACT ), which is not lawful. I negotiated with the representatives as well as sent in supporting documentation regarding XXXX, XXXX BANK, XXXX XXXX, as well as sent in my FTC report from the FEDERAL TRADE COMMISSION. I am rquesting that these accounts are DELETED PERMANENTLY in a timely manner. THESE BURUEAS HAVE NOT RESPONDED AND PROVIDED THE PROPER DOCUMENTATION WITHIN XXXX DAYS. 

XXXX # XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$20000.00} XXXX XXXX XXXX # XXXX {$4100.00} I HAVE CONTACTED MY ATTORNEY WHO IS PREPARED TO BEGIN A LITIGATION PROCESS SHALL THESE ITEMS NOT BE DELETED WITHIN XXXX BUSINESS DAYS. FAILURE XXXX COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING UNVERIFIED/FRAUDULENT INFORMATION TO MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please review the inaccurate information submitted below, I am a victim of identity theft and would like for the files to be reviewed and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: PR

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THERE ARE FRAUDELENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT AS IT IS HURTING MY ABILITY TO GET 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 non-monetary relief
Consumer complaint received 2024-04-08 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: MA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Collection from XXXX XXXX from the company XXXX XXXX XXXX CO, account ending in XXXX for {$470.00}, reported on XX/XX/year>. Per XXXX the account was opened on XX/XX/year>. Also, theres these addresses as if I have lived in Texas : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX Mission, XXXX ; XXXX XXXX XXXX, XXXX, XXXX. I have never lived or been in Texas and I dont know anybody in Texas XXXX I have only lived in XXXX XXXX, PR and in XXXX, MA and currently XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2024-04-08 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: CA

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your 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 explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I sent e-mail to them requesting that I can pay the amount in XXXX installment payments but not the outrageous fees of {$4000.00} dollars for an amount of {$1000.00} I use the money to cover a medical bill. They need to stop charging my bank and work with me to pay off the loan but the outrageous fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-04-08 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: TX

Complaint narrative:
I reviewed my consumer reports and I noticed that I had 2 late payments on an account I was in fact never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XXXX XXXX XXXXXXXX for account # XXXX, and dates XXXX of XXXX for account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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:
I reviewed my consumer reports and I noticed that I had 2 late payments on an account I was in fact never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XXXX of XXXX for account # XXXX, and dates XXXX of XXXX for account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Starting in XX/XX/XXXX I sent a letter with my identity theft affidavit as well as my FTC and police report, state id, social security card, and bank statement for verification to Transunion Fraud Department. On that letter I also advised them that was not placed in error, and that I needed to have ALL fraudulent information blocked on my credit report. Transunion proceeded to send me a letter back stating that I made it in error and that the police report was not valid. In XXXX in XXXX I went to XXXX Police Department and they provided me an updated a credit report. On XX/XX/XXXX I sent a email to their fraud department at XXXX XXXX XXXX and this email was delivered it did not come back as undelivered to my email address, and sent a certified letter with all of this information to their address which they received and started my dispute process on XX/XX/XXXX. On XX/XX/XXXX in the mail I received another letter from them that states that they did not block my information due to them believing it was made in error though no error was made, at all, and all information was provided for them to block the fradulent accounts 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Company : SoFi ( personal debt consolidation loan ). 
I received misinformation from customer service on Friday XXXX. Called Friday XX/XX/2024 at approximately XXXX XXXX and spoke with two reps regarding the auto-draft that was scheduled for the same day. One rep disconnected and the XXXX rep ( XXXX XXXX, confirmed that I could change checking banking information and she processed my payment over the phone from a different account. 
Today Monday XX/XX/2024, I checked both of checking accounts and both accounts show a drafted payment and now a double payment was drafted from XXXX separate accounts when I was told it would not happen. XXXX of my checking accounts nearly over drafted and I don't have enough funds to pay my upcoming utilities due this week. 
Today Monday XX/XX/2024, I called SoFi at XXXX XXXX and spoke with XXXX who advised about the misinformation that I received and advised that she's going to escalate my issue because she can not confirm if I can get a refund for one of the double payments that was drafted from both accounts and this may take XXXX business days. My checking 's account is going to over draft as I have bills to pay within that timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX the Bank of America ATM in XXXX Florida ate {$80.00} and the payment was never reflected on my credit card. 
I reached out to them on XX/XX/XXXX to try and get my funds back. 
XX/XX/XXXX XXXX : California * {$80.00} is being investigated and should be resolved by XX/XX/XXXX XX/XX/XXXX XXXX from Texas Manager : XXXX texas XXXX said the {$80.00} will be back on the credit card by Friday ( XX/XX/XXXX ) XXXX said it was a check that was deposited and thats why they were sending {$80.00} back to my checking account, but it didn't work because I paid cash not a check. 
XX/XX/XXXX XXXX Says the back office kept pushing back the time when the funds would be given back * Another letter being sent out pending for XX/XX/XXXX Hes hoping they will give a time frame on that letter but he cant see it I also have enclosed a picture of the ATM I was at on XX/XX/XXXX at XXXXXXXX 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 monetary relief
Consumer complaint received 2024-04-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
After receiving notice for the IRS that I was a victim of identity theft ( someone attempted to steal my refund ) I reviewed my credit profiles and noticed several accounts on my file that wasnt mines.

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 2024-04-08 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
After receiving notice for the IRS that I was a victim of identity theft ( someone attempted to steal my refund ) I reviewed my credit profiles and noticed several accounts on my file that wasnt mines.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The inaccuracies and addresses listed on my credit report are non-mailable addresses. I demand to know the source of these addresses. Your inclusion of these addresses violates my rights under the Privacy Act of 1974 and15 U.S. Code 1681 causing me great harm financially and emotionally with obtaining credit resulting in a denial of credit. Recently I was denied access to credit with XXXX XXXX and XXXX XXXX Banking. 

Additionally, the name listed on my credit report is incorrect, further infringing upon my rights under the Privacy Act of 1974 and 15 U.S. Code 1681.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received my statement approx 60-days ago and reviewed the charges. There was a charge for {$480.00} that did not have a merchant name only a city and state and some sort of id number. I reviewed my receipts and could not locate any information and I did not recall making a purchase of this size. I reviewed BofA 's online information, and it stated it was Weight Watchers which I have never used. When I called in initially, I was informed they were going to send me another card and investigate. Great. I went about my business, received my next statement the following month and they had added the charge back on and I had not received any communication from BofA. I called in again was told they researched it and they found it to be legitimate because they had received documentation from the vendor. I requested copies of the documentation was told it would be mailed to me and take upto 4 weeks. Still could not tell me who BofA paid or the vendor name or specificaly what documentation they had. Requested it be reopened they reluctantly did. I had this same conversation at 3 or 4 times over a 2 month period with different reps each time a called in. Today I was following up and had the same conversation again and this time was able to speak to a " supervisor '', XXXX XXXX XXXX, got the same song and dance and now being told that based on my responses that they can not get past the automated system to do anything else. I explained to him that there is an obvious glitch if they don't have a vendor name they paid on their side and they show this to be a furniture store yet there consumer facing website shows weight watchers and home supply store as a category. I asked that he look at my 30 year record as a customer and not questioning anything before. The supervisor acknowledged my frustration but reconfirmed it was on me and they could not do nothing. I asked what other options do I have to resolve this and I was told there is nothing else I can do.

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 monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.

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