vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: WA

Complaint narrative:
I have sent several NOTICES regarding delinquent child supports, JUDGEMENTS, fines and liens no longer be permitted per the FCRA to Transunion Consumer Credit Solutions regarding the FACT Act XXXX amendments and the FTC stating that " collection of an account '' is a permissible purpose to obtain a consumer report " only when the collection is in connection with a credit transaction ''. Transunion Consumer Credit Solutions has now once again violated this Federally consumer protected law and sent a letter dated XX/XX/XXXX stating " INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. I've enclosed a letter from the XXXX XXXX XXXX stating the court does not have any direct form of communication with credit reporting agencies and does not report any individual bankruptcy information to credit reporting agencies The NOTICE sent was not a verification of debt to Transunion LLC. The NOTCE sent to Transunion Consumer Credit Solutions is from there own website and is from FCRA, FACT Act XXXX amendments and the FTC that JUDGEMENTS are no longer PERMISSIBLE on a consumer credit report and to COMPLY with the Federal Law to remove the BANKRUPCTY Judgment from my consumer report and Transunion has willfully neglect to follow the Federal Law. I have attached a copy of the scanned Transunion Consumer Credit Solutions Reply Letter as evidence of this violation of Federal Law. I am now under my right as a consumer to seek compensation pursuant to XXXX to commence lawful action and judgement against Transunion Consumer Credit Solutions

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 2024-05-02 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:
These accounts are not mine and were opened fraudulently. I need them removed 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 2024-05-02 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: GA

Complaint narrative:
These accounts are not mine and were opened fraudulently. I need them removed 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 2024-05-02 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: WI

Complaint narrative:
I was told to send a dispute request XXXX by a XXXX rep. BELOW IS A COPY HI, my former account is XXXX. 
I request an expedited dispute against the XXXX past XXXX loan accounts that were transferred XXXX to XXXX XXXX . These accounts are still showing up open on my XXXX credit report & XXXX account for ( XXXX XXXX ) is still reporting open on Equifax . The other XXXX accounts have been removed on Equifax & all XXXX Accounts have been removed completely from the XXXX report. 
I have been disputing these error for XXXX  months & the bureaus are making it very difficult because when they send a dispute to XXXX to verify if these accounts are accurate, at the time of XX/XX/XXXX, XXXX credit department keeps saying YES they were accurate at that time, though they are not opened & I have a XXXX balance with XXXX & this allows the account to stay on my reports. I have requested several times to XXXX XXXX Equifax to please ask XXXX if the loans were transferred to XXXX XXXX & are no longer opened & they seem to refuse to dispute correctly & investigate. I have submitted to XXXX XXXX Equifax the transfer letter & the recent letter I received from XXXX XXXX & they still won't remove the old loans. Both XXXX & Equifax are violating my rights & it's against the law to report inaccurate information on your credit reports. XXXX stated they need a letter directly from XXXX stating the loans were transferred & no longer opened & I no longer have a balance with XXXX. The last rep. I Spoke with XXXX ( XXXX ) informed me that they reported the loans transferred to XXXX XXXX XXXX XXXX XXXX & no longer opened. 
XXXX & Equifax act like they never received that info. I'm requesting XXXX to report to XXXX & Equifax these accounts were transferred & are NOT opened & for XXXX  to include a letter of transfer stating the loans are with XXXX XXXX now & not opened & I have no balance with XXXX any more & please remove these accounts. 
I have included a copy of my credit reports from XXXX XXXX Equifax, showing the XXXX accounts are currently still reporting open to these credit Bureaus. I also included the letters XXXX provided me about the transfer etc. 
I appreciate your help tremendously, in getting this matter finally resolved quickly, it is slowing me down from getting the best deal on buying my 1st home & other future endeavors of using my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: WI

Complaint narrative:
I was told to send a dispute request XXXX by a XXXX rep. BELOW IS A COPY HI, my former account is XXXX. 
I request an expedited dispute against the XXXX past XXXX loan accounts that were transferred XXXX to XXXX XXXX . These accounts are still showing up open on my Experian credit report & XXXX account for ( XXXX XXXX ) is still reporting open on XXXX . The other XXXX accounts have been removed on XXXX & all XXXX Accounts have been removed completely from the XXXX report. 
I have been disputing these error for XXXX months & the bureaus are making it very difficult because when they send a dispute to XXXX to verify if these accounts are accurate, at the time of XX/XX/XXXX, XXXX credit department keeps saying YES they were accurate at that time, though they are not opened & I have a XXXX balance with XXXX & this allows the account to stay on my reports. I have requested several times to Experian & XXXX to please ask XXXX if the loans were transferred to XXXX XXXX & are no longer opened & they seem to refuse to dispute correctly & investigate. I have submitted to Experian & XXXX the transfer letter & the recent letter I received from XXXX XXXX & they still won't remove the old loans. Both Experian & XXXX are violating my rights & it's against the law to report inaccurate information on your credit reports. Experian stated they need a letter directly from XXXX stating the loans were transferred & no longer opened & I no longer have a balance with XXXX. The last rep. I Spoke with XXXX ( XXXX ) informed me that they reported the loans transferred to XXXX XXXX  XX/XX/XXXX & no longer opened. 
Experian & XXXX act like they never received that info. I'm requesting XXXX to report to Experian & XXXX these accounts were transferred & are NOT opened & for XXXX  to include a letter of transfer stating the loans are with XXXX XXXX now & not opened & I have no balance with XXXX any more & please remove these accounts. 
I have included a copy of my credit reports from Experian & XXXX, showing the XXXX accounts are currently still reporting open to these credit Bureaus. I also included the letters XXXX provided me about the transfer etc. 
I appreciate your help tremendously, in getting this matter finally resolved quickly, it is slowing me down from getting the best deal on buying my 1st home & other future endeavors of using my 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 2024-05-02 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: OH

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX , am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 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 the alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
ADDRESS XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNTS/INQUIRES/ COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, 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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Companies have stolen and/or used my personal credit card information ( attached account ) without knowledge and/or consent. ( 15 USC 1602 ). Have unlawfully communicated same to affiliates absent knowledge, authorization or consent ( 15 USC 1692 ( c ) ). Requesting block. 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-02 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XXXX XXXX did a credit check inquiry through experian without my consent. I believe it was potential identity theft. I live in a diffrent state then Nebraska so it wasn't me trying to open an account.

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 2024-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I established XXXX distinct retirement accounts with SoFi Bank, enticed by the promise of a temporary promotion : a {$100.00} bonus to be allocated to each account, coupled with assurances of reimbursing any incurred fees from my previous financial IRAs, up to {$100.00}. Unfortunately, SoFi Bank failed to honor these commitments. Not only did they neglect to reimburse the fees as promised, but they also mishandled the rollover process with the IRS, resulting in erroneous investments. 

Over the span of XXXX years, I diligently sought resolution to these issues to no avail. While SoFi Bank begrudgingly disbursed partial payments {$50.00} last XXXX and {$25.00} most recentlyI remain owed a substantial amount. This protracted ordeal has cast a shadow over the integrity of their operations, leaving my retirement accounts, cultivated by my hard work for over XXXX decades, in disarray. 

I implore an investigation into SoFi Bank 's practices, as their actions border on fraudulent. Their negligence has not only compromised my financial security but also eroded the trust I once placed in their institution. Regrettably, the lack of remorse or assistance from SoFi Bank further exacerbates the distressing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AppFolio, Inc.
State: IL

Complaint narrative:
My name is XXXX and have worked on fixiing my credit. as the months passed my score has increased and has got better.I also called them and they told me that its better and a copy was sent Recently I have applied to several apartments and have been denied with a letter and a XXXX LOW credit score. I need help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
There is an inaccurate information in my credit report from company Jpmcb card after account been review it, another error is reported from this company. 
XX/XX/year> as online account opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: VA

Complaint narrative:
I'm experiencing distress, dissatisfaction, and XXXX  due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently.

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 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: DE

Complaint narrative:
I received a letter from this company stating that they were trying to collect a debt. I sent a letter to them via certified mail. It was sent XX/XX/year> and received by them, XX/XX/year>. I haven't gotten a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
The following is a detailed account of a recent incident that has caused me immense frustration and stress. I am currently XXXX XXXX and have been XXXX since XX/XX/2023. While I was away, Dell, which was sold to Comenity Bank, made some changes to their payment system. Unfortunately, these changes also affected the auto-pay system that I had set up for my account. Although a notice was sent out via mail, I was already XXXX at the time and did not receive it. 

Prior to this change, my account had always been on auto-pay, and I had never missed a payment. However, when Dell/Comenity Bank made this change, my auto-pay was stopped, and as a result, XXXX months of payments were missed. I was unaware of this until I started receiving alerts of a delinquent account through my credit monitoring services, which I had started because someone in XXXX had tried to steal my identity. 

As soon as I received this alert, I contacted Dell immediately to schedule payment and inform them of what had happened. They took off only one of the missed payments and left the other. I have called them over XXXX times to resolve this matter, but they keep giving me a number to their " credit department, '' which turned out to be XXXX 's number. I had already disputed this matter with the credit bureau, but they did not change it even after I paid the account to a XXXX balance. They shrugged their shoulders and told me that there was nothing they could do. 

Currently, I am XXXX  days from redeploying back home and still can not get approved for my XXXX  loan because of this late payment. My lender has informed me directly that this has caused an issue, rendering me homeless at the moment. This situation has caused me immense stress, and I am hopeful that it can be resolved soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated.

1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), Which outlines the permissible purposes for which Consumer reports Can not be without written instructions, and any violation of these provisions constitutes a breach of my rights.

3. My rights have also been infringed Upon under 15 USC 1666b, Which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is in accurate and should be rectified accordingly. 

Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-05-02 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:
Hello I recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute. The fraudulent account ruined all my credit score. 
XXXX XXXX  : opened XX/XX/year> XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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