vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: NC

Complaint narrative:
Unfortunately I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX They must be removed immediately In the birthdate/year of birth field XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. Late payments XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX Account name XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX  XXXX account number XXXX date opened XX/XX/XXXX late payments XX/XX/XXXX XX/XX/XXXX Accounts to be deleted XXXX XXXX XXXX Account number XXXX. This account is reporting XXXX account. {$570.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within four business days As permitted by federal law

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 2024-11-12 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: NC

Complaint narrative:
Unfortunately I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX They must be removed immediately In the birthdate/year of birth field XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. Late payments XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX  XXXX account number XXXX date opened XX/XX/XXXX late payments XX/XX/XXXX XX/XX/XXXX Accounts to be deleted XXXX XXXX XXXX Account number XXXX. This account is reporting XXXX account. {$570.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within four business days As permitted by federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TX

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 explanation
Consumer complaint received 2024-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-11-12 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against SoFi Banking regarding the improper withholding of my funds and the subsequent attempts to close my account without providing a clear or valid explanation.

I have been a customer of SoFi since XX/XX/scrub>XXXX XXXX  and have used their services to manage my funds, including my direct deposit from my job and assistance payments. Recently, SoFi notified me that they would be closing my account due to my use of a third-party cash application to transfer funds into my account. However, I have been using this method since I opened the account without issue, and I was even explicitly informed by a customer service representative that this practice was acceptable. 
Despite this, SoFi now claims that my use of the third-party app violates their policy and, as a result, they are withholding my funds and stating that I am not entitled to the remaining balance in my account. This decision is unreasonable and unfair. I have worked hard to earn the money in my account, and the funds include my wages and government assistance payments, which are essential for my daily living expenses. I have received no proper explanation as to why my account is being closed or why my funds are being withheld, and I feel I have been denied a chance to resolve the situation appropriately.

Additionally, the information provided to me by SoFi representatives has been inconsistent and unclear. I was not adequately informed of any potential risks related to my use of third-party applications, and I was previously told that using such services would not cause problems. Now, they are taking actions that jeopardize my access to funds I rely on, with no clear path forward for retrieval.

I am requesting the following : 1 A detailed and clear explanation of the specific policy violation that led to the decision to close my account and withhold my funds.

2 Immediate release of all funds in my account, including the full balance, as these funds are legally mine and essential to my well-being.

3 Assistance in resolving this matter in a fair and transparent manner.

I ask that the CFPB intervene and help facilitate the resolution of this matter, as it is causing undue stress and hardship. SoFis actions appear to be in violation of consumer protection laws, and I respectfully request that they be held accountable for their treatment of my account and funds. 
Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-11-12 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-11-12 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:
I am writing to request the removal of certain information from my file. The items I deleted are listed in the attached report. I did not authorize these actions. 
I have reported the unauthorized use of my identity to the Federal Trade Commission ( FTC ), and other relevant documents. 
Please remove these items from my file as soon as possible. 
Thank you for your prompt 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 2024-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX i make am online purchase to XXXX for the amount of {$83.00}. And the order was cancelled by XXXX right away and i didnt received the product because the order got cancelled by XXXX. On XX/XX/XXXX, i opened a Claim to chase bank because XXXX kept saying that my money was going to get refunded in 5-7 days but i never got refunded my money. Chase refunded the money but they investigated and according to Chase they got a report from XXXX stating that my order was delivered but I didnt Pick it Up. I contacted XXXX asking why they send the report to chase stating that my order was delivered to me. XXXX send me emails stating that the order was cancelled and when an order gets cancelled right away they dont get no money and the bank is the one that has to give me my money back. Chase told me that they are not giving me my money back because they did an investigation and XXXX  confirmed them that my order was delivered to me. I never got delivered my order.I contacted XXXX and they send me proof that my order was cancelled and that chase should review again because XXXX doesnt know who told chase that my order was delivered when it was cancelled. I call back chase but the manager XXXX told me my case was closed and the manager didnt want to help me anymore because XXXX gave them a report that my product was delivered to me but this is not true I never got any product. I need my money back this is very unfair from both chase and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 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:
When reviewing my credit report, the account in charge-off has an inaccuracy since the account did not have late payments in the month of XX/XX/year> and the following month XXXX it went to charge-off, this is incorrect. I attach a file to review my payments for that month mentioned above and edit or delete the inaccurate information.

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 2024-11-12 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: IL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 non-monetary relief
Consumer complaint received 2024-11-12 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I never recieved a 1099c despite reporting the account as charge off, paid profit and loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
I recently became a victim of identity theft due to a crime being committed using my identifying information. Transactions were made without my consent or knowledge which caused my identity and credit standing to be compromised. The account that is the result of identity theft is XXXX XXXX XXXXXXXX. I am seeking remedy and giving notice to Trans Union, XXXX, and XXXX to do what is fair and equitable to me by blocking, deleting, and removing the entire account and its details 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 non-monetary relief
Consumer complaint received 2024-11-12 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: TN

Complaint narrative:
ecently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account Name 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 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Clark County Collection Service
State: NJ

Complaint narrative:
I am a victim of unfair debt collection practices. The company Clark County Collection Service is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe an {$80.00} debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.

Company response to consumer: Closed with explanation