vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: MI

Complaint narrative:
I am filing this complaint regarding the inconsistent reporting of the past due balance for a XXXX account Number : XXXX on my credit reports from TransUnion and XXXX. The past due balance is reported as {$8600.00} on my TransUnion report and {$0.00} on my XXXX report. This inconsistency raises serious concerns about the accuracy of the information being reported, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies and data furnishers are required to ensure that all information reported is accurate and complete. Specifically : FCRA Section 623 ( a ) ( 1 ) : Data furnishers must provide accurate information to credit reporting agencies. Reporting conflicting past due balances for the same account violates this obligation.

FCRA Section 611 ( a ) ( 1 ) : Credit bureaus are required to conduct a reasonable investigation into disputes. Both TransUnion and XXXX have verified this information as accurate despite the clear discrepancy, failing to meet their statutory obligations.

FCRA Section 605 ( a ) : Credit reports must not include misleading or incomplete information.

These conflicting balances not only create confusion but also harm my creditworthiness by presenting inaccurate information to potential creditors. I have attempted to resolve this issue through direct disputes with TransUnion and XXXX, but neither has corrected the inconsistency or provided an adequate explanation. 

I request that the CFPB investigate the following : Why TransUnion and XXXX are reporting conflicting past due balances for the same XXXX account. 
Whether XXXX has failed to fulfill its responsibilities under FCRA Section 623 by providing inaccurate data to credit reporting agencies. 
Immediate removal of the XXXX account from my credit reports due to its inaccurate and misleading reporting. 
To support my claim, I am including the following documentation : Copies of my credit reports from TransUnion and XXXX highlighting the conflicting past due balances for the XXXX account. 
Any correspondence with TransUnion, XXXX, and XXXX regarding my prior disputes. 
I respectfully request your assistance in addressing this matter and ensuring that my credit reports reflect only accurate and consistent information. The harm caused by this discrepancy warrants immediate correction and removal of the XXXX account from my credit reports. 

Thank you for your attention to this issue. Please confirm receipt of this complaint and provide updates as your investigation progresses.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I've noticed new inquiries that's not attached to any open accounts and would like to get them removed. They are unauthorized and they are affecting my eligibility to get funding for my business. The inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX 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. 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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I've noticed new inquiries that's not attached to any open accounts and would like to get them removed. They are unauthorized and they are affecting my eligibility to get funding for my business. The inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX 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. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a call from the landlord of my building. He stated they did not receive my check for the month of XXXX, which totals {$2200.00}. Every check is addressed to XXXX XXXX XXXX. I let him know I did in fact send my check and the money was no longer in my account. 

I checked my SOFI Checking Account to discover that my check was intercepted and my rent money was stolen. The check was intercepted and rewritten to the name XXXX XXXX, and cashed via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My rent check was stolen. 

Immediately, on the same day, XX/XX/XXXX, I called SOFI and speak to their fraud department. I give them all the details above. I am told they will work to recuperate my funds and there is nothing left to do on my end. I am told I will hear back in 10 business days. I do not hear back. 

On XX/XX/XXXX, I speak to SOFI Fraud Customer Service. I am told that I was misinformed by their team and in fact, I have to fill out an Affidavit of Forgery Form, which I must notarized. On XX/XX/XXXX, I send back the form and again, I am told I must wait 10 business days. XXXX does not give me an update once again. 

On XX/XX/XXXX, I call SOFI Fraud Customer Service again. SOFI shares that they never received the Affidavit of Forgery Form, and neglected to tell me. I check my account and I can see the attached affidavit, however, for whatever reason, SOFI can not. I resubmit my affidavit. I demand they confirm once they receive my affidavit. 

On XX/XX/XXXX, I received an email stating that they have received my affidavit. I am told this dispute can " take 21+ business days from the date we received your notarized affidavit, to resolve. The results of the investigation will be submitted to you in writing after completing our investigation. '' I do not hear back from SOFI until I call the Fraud Customer Service on XX/XX/XXXX asking for an update. I receive an email update where they state the following, " In regards to your claim dated XX/XX/XXXX concerning the above-reference transactions, we're sorry for the delay as we continue to work with the receiving bank regarding your claim. We had to file a bank to bank claim with the other financial institution and unfortunately, they do not have a required time limit to reply ... The results of the investigation will be submitted to you in writing within 3 business days after completing our investigation. '' On XX/XX/XXXX, I once again call SOFI as I do not hear back. They state they do not have new information at this time or an update. I receive an email that states that they acknowledge my experience. They still do not provide an update. 

On XX/XX/XXXX, I call SOFI Fraud Customer Service once again. Once again, they do not provide an update or any timeline. I am now behind on rent because this ordeal has continued for 7 months,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit card accounts open between the years of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$850.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I TRY TO CONTACT I C SYSTEMS COLLECTIONS ABOUT THIS FICTITIOUS ACCOUNT THAT I DO NOT OWE, XXXX TIME VIA PHONE EMAIL AND MAIL MONTHS, NO RESPONSE NOW I HAVE TO TAKE MATTER TO MY OWN HAND REQUESTING THE CFPB TO HELP ME. 
I am an identity theft victim and i have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( XXXX ) listed on my Police report and Identity theft report be remove IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I initiated international wire transfer on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a confirmation of the transfer with expected date no later the XX/XX/XXXX. Money were not received on time. XXXX XXXX XXXX deposited Money on XX/XX/XXXX. I had a deadline XX/XX/XXXX. I was informed money were not received on XX/XX/XXXX. I contacted CITI Bank wire department, they recommended to start the wire trace, provided me with the case number and never followed up with me! On XXXX XXXX I called again, I was told they were waiting for a response from XXXX XXXX department in XXXX asked me for transfer confirmation since they did not receive the money. When I requested a confirmation from CITI bank I was told I will receive a confirmation within two business days via email! The confirmation I received on XX/XX/XXXX did not contain foreign account information. Wire department manager provided my the password for the confirmation letter. I never received the letter! XXXX I was under stress. Eventually I received a message from XXXX, money were deposited on XX/XX/XXXX Also I questioned exchange rate on XXXX XXXX since I was charged {$6000.00} My ex husband was charged {$5800.00}. We both send money same day, same time for our daughters wedding venue deposit .He sent it with XXXX XXXX XXXX and his transfer was received on time. He received confirmation on XX/XX/XXXX. I paid more and my payment was late! And I am still waiting for a response from CITI bank!

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint regarding the inconsistent reporting of the closed date for an XXXX XXXX account ( Account # XXXX ) on my credit reports from Experian and XXXX. Both credit bureaus have verified and updated the account as accurate, yet the reported closed dates differ significantly : Experian reports the closed date as XX/XX/XXXX. 
XXXX reports the closed date as XX/XX/XXXX. 
This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and raises serious concerns about the accuracy and reliability of the information being reported on my credit file. 

Specifically, the following FCRA provisions are applicable : FCRA Section 623 ( a ) ( 1 ) : Furnishers of credit information must provide accurate and consistent information to credit reporting agencies. Reporting XXXX different closed dates for the same account violates this requirement. 
FCRA Section 611 ( a ) ( 1 ) : Credit bureaus are required to conduct a reasonable investigation when disputes are raised. Despite verifying the account as accurate, neither Experian nor XXXX has resolved the conflicting information. 
FCRA Section 605 ( a ) : Credit bureaus must not report information that is misleading or incomplete, as such inaccuracies harm the consumer 's creditworthiness. 
The inconsistent reporting of this closed date has caused confusion and negatively impacted my credit profile. It creates uncertainty about the accuracy of my credit history and misleads potential creditors who rely on this data. 

I respectfully request that the CFPB investigate the following : Why Experian and XXXX are reporting different closed dates for the same XXXX XXXX account. 
Whether XXXX XXXX has failed in its responsibilities under FCRA Section 623 by providing conflicting information.

Immediate removal of the XXXX account from my credit reports due to its inaccurate and misleading reporting. 
To support my claim, I have included the following : Copies of my credit reports from Experian and XXXX highlighting the conflicting closed dates for the XXXX account. 
Any correspondence I have had with Experian, XXXX, and XXXX XXXX regarding my prior disputes. 
The continued presence of this inaccurate information on my credit reports is unacceptable and requires immediate action. I respectfully request the removal of this account from my reports and enforcement of my rights under the FCRA. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide updates as your investigation progresses.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief