vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I requested a paper copy of my consumer report via their customer service line to be mailed to me. Despite my request, I have yet to receive it. 
Additionally, I have attempted to troubleshoot with TransUnion and access my report through their online portal, but this has also been unsuccessful. 
I kindly request your assistance in resolving this matter as soon as possible.

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 2025-01-14 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: NV

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Financial institutions made inquiries which were not initiated by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and reported on my credit reports, XXXX, XXXX XXXX XXXX I have contacted each by phone and informed them that these requests were fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Financial institutions made inquiries which were not initiated by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and reported on my credit reports, XXXX, XXXX XXXX XXXX I have contacted each by phone and informed them that these requests were fraudulent.

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 2025-01-14 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: TN

Complaint narrative:
Multiple inquiries are on my report that I do not recognize or authorize. The inquiries does not belong to me Personify- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TN

Complaint narrative:
Multiple inquiries are on my report that I do not recognize or authorize. The inquiries does not belong to me 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 2025-01-14 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: FL

Complaint narrative:
My information was released in multiple data breach including my bank at XXXX XXXX and XXXX. I have filed identity theft multiple time including in the new breach notice I have seen. I had to file a police report months back due to my identity being used ( XXXX ) According to 605B of the Fair Credit Reporting Act ( FCRA ) I would like all negative marks and inquiries on my account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: U.S. BANCORP
State: IL

Complaint narrative:
My credit card was charged for a hotel room that I did not stay in. I notified the bank as soon a I noticed the charge. They gave me a provisional credit but then later reversed it. They are stating that the credit card company verified that I made this purchase because personal info was used. My address, security code, ect. If someone had my card information they could have easily done this. I never stayed in the hotel room, I tried to contact the merchant but they are saying the charge was made on a third party website and they can not reverse it back to me.

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 2025-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: TX

Complaint narrative:
A charge off is considered a certificate of indebtedness which means it is income and must be removed. I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, l kindly request assistance in reviewing the status of the charged-off amount associated with 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2025-01-14 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: MO

Complaint narrative:
THERE ARE XXXX FRUADULENT HARD INQUIRIES ON MY XXXX CREDIT REPORT AND XXXX FRAUD HARD INQUIRIES ON MY EQUIFAX REPORT THAT I DIDNT AUTHERIZE, I HAVE SPOKEN TO XXXX XXXX TIMES ABOUT THESE ITEMS AND NOTHING HAS BEEN DONE ABOUT THEM. AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ITEMS AS IF THEY ARE ACCURATE. THESE ARE THE FRAUD ACCOUNT I WOULD LIKE REMOVED AS SOON XXXX POSSIBLE. 

FRAUDULENT HARD INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX FRAUD ACCOUNTS ; EQUIFAX FRAUD HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ARE XXXX FRAUD ACCOUNTS REPORTING ON MY CREDIT I DIDNOT GIVE XXXX CREDITOR PERMISSION TO ACCESS OR USE MY CREDIT I ALSO HAVE NOT APPLIED FOR XXXX CREDIT OR CREDITLINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
This is the third request. You are required by Georgia state law, XXXX. XXXX, to send all notices by certified mail to be eligible to collect a deficiency balance. Yet you failed to include evidence that the Right to Cure ( RTC ) and Intent to Repossess notices were sent via certified or registered mail, as required by Georgia law. Failure to provide proof of certified mailing constitutes a violation of this statute and renders any further actions on this account legally void. I have requested this information twice through the CFPB portal on XX/XX/year> and XX/XX/year> and both responses were identical and did not include the state-required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under XXXX XXXX. XXXX, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the XXXX XXXX XXXX must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has blocked me from accessing my personal credit reports am completely unable to access my file online or via the phone. I think it is preposterous that company is reporting info about me and my finances and I am unable to QUICKLY access the same info about MYSELF. They say this is due to fraud claims submitted in the past however blocking me from my file and knowing what's on my file is NOT preventing fraud. I HAVE BEEN RESTRICTED from MY credit file for at least XXXXXXXX XXXX XXXX XXXX  NOW! ENABLE MY FULL ACCESS NOW! THIS SHOULD BE ILLEGAL!

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 2025-01-14 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Credit Bureau Name [ Address of the Credit Bureau ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate information contained in my credit report. Below are the accounts in question, which are showing as closed or charged off, and I believe they were either reported inaccurately or unfairly. 

Accounts to Be Investigated : XXXX. Account Name : XXXX XXXX  Account Number : XXXX Reported Issue : Incorrect reporting of closed account with an inaccurate balance and past due status. 
XXXX. Account Name : SelfInc/Lead Account Number : XXXX Reported Issue : Incorrect reporting of closed account and write-off with discrepancies in the details provided. 

I request that you conduct an investigation of these accounts as required under the Fair Credit Reporting Act ( FCRA ). If you find that the information can not be verified, I request that these accounts be promptly removed from my credit report or corrected accordingly. 

Please find attached copies of my credit report highlighting the accounts in question for your reference. Additionally, I am including any supporting documentation that might assist with this investigation. 

I appreciate your prompt attention to this matter and look forward to your response. Please inform me of the outcome of your investigation within the timeframe specified by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Sunset Solutions Group, LLC
State: MN

Complaint narrative:
i received a call from a XXXX XXXX ( XXXX ) with XXXX XXXX XXXX claiming i owed a payday loan to XXXX  for XXXX and that they have tried to send me information - which is false and that failure to pay this amount would result in me being served a civil XXXX XXXX 
i asked for XXXX and they sent me the creditors name and original account number but when i called XXXX  they said they don't do payday loans to Minnesota.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SOFI TECHNOLOGIES, INC.
State: SD

Complaint narrative:
On XX/XX/year> XXXX ( referee ) was disbursed on a student loan refinance application in the amount of {$64000.00}. I submitted an application referred from a friend. SoFi advertised a {$500.00} referral bonus to the referrer and a {$300.00} bonus to the referee. I was on the phone with a SoFi customer service agent who stated that I had followed all of the correct steps and that we would receive the bonus. On XX/XX/year> I called SoFi back to see the status on the bonus as neither of us had received it yet. They stated that after 90 days if the loan was in good standing then we would receive the bonus and that everything was done correctly and we should be getting the bonus soon. All payments were made on time and the loan was in good standing after 90 days. I placed a call back to SoFi customer service to enquire when we would be receiving the bonus. SoFi stated that we were not eligible for receiving the bonus, claiming we didn't use the correct referral link. I challenged them on this knowing I used the exact referral link the original customer service agent told me to use and him saying quote " Yes, you have completed all the required referral actions needed. '' Also when I called on XXXX, they had stated that everything looked good on their end for us to receive our bonuses. Now, whenever I call back to SoFi to get answers they continue to transfer my call to different people saying hold on while we place you on hold to look into this. If someone does come back all they say is they can't do anything for me as the loan is signed and the bonus program is automated and they can't manually override any of it. I took a slightly higher rate loan to receive this bonus so am very upset I am not getting this bonus that was advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
This account ( XXXX ) was resolved through a settlement agreement on XX/XX/year>, and the agreed payment was made in full to satisfy the balance. However, the charge-off continues to appear on my credit report

Company response to consumer: Closed with explanation