vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: IA

Complaint narrative:
I am filing this complaint due to inaccurate and incomplete information being reported on my credit report. I have reviewed my report and found several issues that need immediate correction and deletion, which are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following errors exist on my credit report : 1. Inaccurate Names : Multiple variations of my name are listed, including incorrect spellings and versions of my first and/or middle names. The only correct name should be Letter enclosed.

2. Incorrect Address Information : Several addresses are reported that I have never lived at or have no association with. These addresses should be removed and replaced with my correct address : Letter enclosed.

3. Incorrect Phone Numbers : The phone numbers listed on my credit report are inaccurate. My only valid contact number should be Letter enclosed.

4. Incorrect Employment Information : My employment history is incorrectly reported. The correct employer is Letter enclosed, and all other entries should be deleted.

5. Removal of Social Security Number ( SSN ), Date of Birth ( DOB ), and Year : I request that my Social Security number, date of birth, and year of birth be removed from my credit report to ensure the safety and privacy of my personal information.

I have already contacted the credit reporting agencies to address these issues, but no meaningful corrections have been made, and the errors continue to affect my credit profile and score.

In accordance with the FCRA, I request that these inaccuracies be corrected, and the proper information be reflected on my credit report. Under the FDCPA, these agencies are obligated to ensure that only accurate, verifiable information is reported. I am requesting that these inaccuracies be fully removed from my credit file and that an updated credit report be sent to me showing all deletions.

Failure to comply with these requests will result in a formal complaint to the Federal Trade Commission ( FTC ), and I may pursue further legal action under both the FCRA and FDCPA.

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 2024-11-13 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 sent al necessary paperwork to Experian stating I am in fact a victim of identity theft. They refuse to block the information for whatever reason. I am not praying the CFPB reviews my paperwork and blocks all accounts that were opened fraudulently.

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 2024-11-13 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-13 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:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 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 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 These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 explanation
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
I've checked my credit report and noticed some inaccurate information on my account. 

XXXX is reporting three incorrect late payments in the month of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I have written several letteter to the company to resolve this issue and have been completely ignored. 

Here is a copy of my latest letter that was sent to them. It has been of 45 days and no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, I am writing you with deep concern of an item that has been in dispute with Wells Fargo since XX/XX/year>. Wells Fargo reported XX/XX/year> payment as late to the credit bureaus, however, the payment to Wells Fargo was made on XX/XX/year>, with a due date of the XXXX of every month. Thus, the payment was made within the 30 day period. 

While severe financial circumstances caused me to pay late the previous months 4 months, I was certain to make sure XX/XX/year> was paid within the 30 day period to decrease the negative effects on my credit. This was in fact paid on the XXXX day from its due date, still within Wells Fargos grace period also. 

The proof is attached on my payment records to Well Fargo. 

Please assist me as the dispute has continuously been rejected/denied by Wells Fargo and Credit Bureaus XXXX 

Thank you, 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 2024-11-13 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: NV

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information on my XXXX and TransUnion Credit report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-11-13 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: TX

Complaint narrative:
I have repeatedly reported inaccuracies in my personal information and accounts to Equifax credit company and they refuse to correct these innacuracies on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal dispute regarding the reporting of a charge-off on my credit report for an account with Capital One. During the XXXX pandemic, I was significantly impacted financially, and I made proactive efforts to inform the bank of my hardship. Despite my efforts to work with them, the account is still being reported as a charge-off, which I believe is unfair given the circumstances and my attempts to resolve the issue. 

Account Information : Creditor : Capital One Account Status : Paid and Closed Closed Date : XX/XX/ Worst Payment Status : XXXX Days Late Payment After Charge-Off/Collection Dispute Explanation : During the XXXX pandemic, I faced substantial financial hardship due to mandated restrictions that forced me to stay home and prevented me from working. I informed Capital One of my situation, seeking assistance and support to manage my account responsibly. Despite my communication, I was told that they had various hardship programs available but insisted that I did not enroll in them, which is not accurate. 

I reached out to Capital Ones customer service multiple times to resolve my account, but the responses I received were often inconsistent, unhelpful, and rude. Their customer service representatives did not provide clear or straightforward guidance on available options. When I finally received funds, I acted in good faith by making a full settlement payment as soon as possible, yet the account remains marked as a charge-off, unfairly impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NV

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Equifax and XXXX Credit report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: IL

Complaint narrative:
I've disputed inaccurate addresses, misspelling of my name, and an inaccurate phone number. They REFUSE to remove these inaccuracies from my credit file. 
Name Name Identification Number XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Addresses XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Employers XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX Phone Number 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 2024-11-13 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Constantly getting phone calls from collectors demanding full balance an i i dont pay it its reported to the credit agency and they take legal actions

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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Monday XX/XX/XXXX when i tried to access my XXXX banking account it was not allowing me so i gave them a call and they told me my account was restricted due to violating the terms and conditions which i have not. They told me once all my transactions were posted they would close my account and mail me my check, i called today XX/XX/XXXX and confirmed all my transactions have posted so i asked if they can please close the account and mail me my check and they refused since my account is restricted, i told them that is not with they told me on Monday and they refuse to answer any further questions. I'm a single mom of XXXX kids i cant afford to have my money frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am requesting that Synchrony Bank provide me with the signed authorization to apply the charge of {$2300.00} to my card. I have already disputed the amount but because this charge was not with my original contract in XXXX and was a charge I never authorized I requested that they remove it but to date, they haven't removed it nor provided me with any type of authorization. Instead, they closed their inquiry and prevented me from commenting or disputing anything on my 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 2024-11-13 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX : number : 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 2024-11-13 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 non-monetary relief
Consumer complaint received 2024-11-13 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureaus ( CFPB ) the document needed and the letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

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 non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America is taking unauthorized multiple payments of my checking account for my auto loan. I am ahead on my loan and have never had a delinquent account. This is occurring due a third party online banking glitch on their end. They are refusing to correct this issue and make a priority. I have called over 50 times begging for help because they are stealing money they aren't approved to take and absolutely refuse to correct the issue and blame different departments. They claim I need to speak to a supervisor but that no supervisors are available when I call. It's causing severe mental health stress for me and also causing issues with my other finances. This has been going on multiple months. 

Bank of America 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