vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-25 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: NJ

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: NJ

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: GA

Complaint narrative:
Re : Dispute of Account Verification - Request for Method of Verification Account : XXXX XXXX XXXX # XXXX I have attached your dispute results from the prcious dispute that does not include the Method of verification. This is unacceptable and a clear violation I am writing to formally dispute the continued reporting of the above-referenced account on my credit report. I initially filed a dispute regarding this account, and according to the investigation results, the item was verified as belonging to me, with certain information updated. 

However, I have not received the " method of verification '' that I explicitly requested when launching my dispute. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to receive a description of the procedures used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher of information contacted in connection with the investigation. 

As per your records, this account was updated on XX/XX/2024 with a balance of {$22000.00} and a pay status of " XXXX XXXX. '' While I dispute the accuracy of this account, I am particularly concerned about the lack of transparency regarding the verification process. 

Please provide me with the following information : A detailed description of the method used to verify the accuracy of this account. 
The name, address, and contact information of the entity that provided the verified information. 
Any documentation that was used to substantiate the verification. 
Given the significance of this matter, I request that this information be provided to me within 15 days, as stipulated by the FCRA. If you can not provide this information, I respectfully request that the disputed account be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: WY

Complaint narrative:
In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 u.s.c1681 grain acount # XXXX XXXX XXXX  acount # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX acount # XXXX and XXXX XXXXXXXX XXXX acount # XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX acount # XXXX XXXX XXXX XXXX  acount # XXXX XXXX XXXX XXXX XXXXccount # XXXX, has violated my federally protected rights. I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to15usc 1681 ( e ) ( b ) and according to15usc 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that information has been modified or deleted by the file of the consumer.and according to15usc 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: TX

Complaint narrative:
XXXX XXXX  XX/XX/XXXX Experian, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX Experian, XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX  XX/XX/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 2024-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the accuracy of three charge-off accounts listed on my credit report. I believe these accounts contain errors and require further investigation. 

The following accounts are in dispute : XXXX ( Account number : XXXX ) XXXX  XXXX ( Account number : XXXX ) XXXX XXXX ( Account number : XXXX ) I request that you thoroughly investigate these accounts to verify the accuracy of the information reported Thank you Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have received a credit card for XXXX XXXX which ending XXXX XXXX XXXX. As I stated several times to your company, I do not have any intention to have your company card, especially by receiving this card which I never asked to make. Since I believe that the credit card should be issued after the legal sign, your company provide the official document which prove your legal right to allow your company creating my card. I state clearly, I have never had any wish to have your company credit card after the issue of rewards certificates started. Please provide me the official and legal excuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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 is XXXX XXXX and 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 explanation
Consumer complaint received 2024-08-25 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: HI

Complaint narrative:
XXXX XXXX Code XXXX - Protection of nonpublic personal information XXXX XXXX Notes XXXX | next ( a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
( XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX. ) XXXX XXXX XXXX XXXX about... Articles from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How current is this? 

Sponsored Listings 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: HI

Complaint narrative:
XXXX XXXX Code XXXX - Protection of nonpublic personal information XXXX XXXX Notes XXXX | next ( a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
( XXXX. XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; XXXX. XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX. ) XXXX XXXX XXXX XXXX about... Articles from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How current is this? 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXXXXXX 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 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Fraud occurred from a Sofi Bank account holder to me. Sofi Bank caught this issue and contacted me. Money was fraudulently wired from my account at XXXX to Sofi bank. I contacted them and it has been over 150 days and there is still no updated status after the initial discussion. Sofi bank requested a hold harmless letter from XXXX and that was sent to them on XX/XX/year>. XXXX then followed up on XX/XX/XXXX but still has not received any correspondence or funds back. A previous complaint was sent to SOFI bank through CFPB and Sofi asked for a hold harmless letter. THAT LETTER HAS BEEN PROVIDED. I do not know why SOFI bank told the CFPB that they are waiting for this letter. I am very upset and concerned that they lied or did not find the matter important enough to verify that they already had the hold harmless letter. it concerns me that SOFI bank is delaying any response. it has been over 60 days since I have heard anything from SOFI and over 150 days since the start of communication. One fraud specialist at SOFI sent a few e-mail up the chain of command, over 60 days ago, but I never heard from anyone else at SOFI. Please help me get some answers and resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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 2024-08-25 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: NV

Complaint narrative:
XXXX XX/XX/year>2024 i received a copy of my credit report and i noticed that a few accounts that are reporting wrong.Are you familiar with something called 15 U.S.C.SEC.1681I ( a )? if you can't provide me with proof these accounts must be deleted.ALSO 15 U.S.C.1681S-2 ( A ) ( 1 ) ( E ) ( iii ) XXXX XXXX XXXX XXXX XXXX, this loan has completed the rehabilitation process.This are the following accounts ( Account name ) XXXX  XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX account open ( Account name ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX account open

Company response to consumer: Closed with explanation