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: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my grave concern and frustration regarding the re-insertion of account that had already been deleted from my credit report. This action is not only unwarranted but also indicative of a serious lapse in your verification and reporting processes. I am requesting an immediate resolution to this matter, along with a thorough explanation of how and why this occurred. As you are aware, under the Fair Credit Reporting Act ( FCRA ), once disputed account has been investigated and subsequently deleted from a credit report, they should not be re-inserted without substantial evidence and compliance with strict procedural requirements. Specifically : Verification and Notification Requirements : The FCRA mandates that any re-inserted account must be verified as accurate and complete. 
You are required to notify the consumer in writing of the re-insertion, providing details of the evidence used to substantiate its accuracy. I did not receive such notification, which is a direct violation of your legal obligations. 
Failure to Conduct a Thorough Investigation : The account in question was already deemed inaccurate and removed. What new information or documentation prompted their re-insertion? 
If no additional verification was provided, this re-insertion is a clear failure of Transunion to exercise due diligence in ensuring the accuracy of its reports. 
Accountability of the Bureau : It is not the responsibility of the consumer to repeatedly dispute the same inaccuracies. Your bureau has a duty to maintain accurate records and prevent erroneous re-reporting. 
The re-insertion of this account suggests either negligence or a disregard for consumer rights, both of which are unacceptable. 
I demand that the following actions be taken immediately : Permanent Removal o

f the Re-Inserted Accounts : This account must be removed from my credit report immediately, and Transunion must ensure that they are not rereported in the future without incontrovertible evidence of their accuracy. Detailed Explanation of Re-Insertion : Provide a written explanation o
f why this account was re-inserted, including the specific evidence or documentation relied upon to justify their reappearance. 
Assurance of Compliance : Implement measures to prevent such occurrences in the future, ensuring that deleted account is not improperly reinserted into credit files. 

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, DEPT OF ED/XXXX  : # XXXX, DEPT OF ED/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally file a complaint against XXXX regarding their failure to investigate a disputed item on my credit report, specifically an entry under " XXXX XXXX. '' Despite multiple attempts to resolve this issue, XXXX has willfully refused to conduct a proper investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ). As a result of their actions, I am requesting that the " XXXX XXXX '' entry be deleted from my credit report and that I be compensated with a {$2000.00} payment for the damages I have sustained. 

I believe XXXX has willfully violated the following sections of the FCRA : 15 U.S.C. 1681i : XXXX has failed to conduct a reasonable investigation of the disputed item within the time frame required by law. 
15 U.S.C. 1681e ( b ) : XXXX has failed to maintain reasonable procedures to ensure maximum possible accuracy of the information on my credit report. 
15 U.S.C. 1681i ( a ) ( 1 ) : XXXX has failed to conduct a reasonable reinvestigation of the disputed information within 30 days, as required. 
15 U.S.C. 1681n and 1681o : These violations constitute willful and negligent non-compliance with the FCRA, entitling me to actual, statutory, and punitive damages for the harm caused. 
Despite my repeated attempts to dispute the " XXXX XXXX '' account, XXXX has failed to investigate the matter appropriately, leaving the inaccurate information on my credit report. This continued failure not only damages my credit score and financial standing but also shows a blatant disregard for my legal rights under the FCRA. 

In light of XXXX 's willful violation of the FCRA, I am requesting the following : Immediate deletion of the " XXXX XXXX '' entry from my credit report as it is inaccurate and has not been properly investigated. 
A {$2000.00} payment to compensate for the damages caused by XXXX willful violations, which have resulted in emotional distress, financial hardship, and harm to my creditworthiness. 
Please let me know if any additional information or documentation is required to assist in the investigation. I appreciate your prompt attention to this matter and look forward to a resolution.

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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account 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 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently review a copy of my credit report and noticed fraudulent account on my report I don't know what XXXX XXXXXXXX XXXX XXXX, this fraudulent account need to be remove from my report because it's hurting my personal finance.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I HAVE REQUESTED THAT XXXX, XXXX, AND TRANS UNION PROVIDE VALIDATION AND THEIR METHOD OF INVESTIGATION ON MULTIPLE TIMES AND NOTHING HAS BEEN DONE. I HAVE SENT VALIDATION THAT ACCOUNTS DOES NOT BELONG TO ME BUT IT HAS BEEN IGNORED. I AM AWARE THAT XXXX HAS BEEN SUED DUE TO SHAM INVESTIGATIONS IN CONSUMER COMPLAINTS AND I HAVE BEEN A VICTIM. XXXX HAS HAD DATA BREACHES WHICH HAS EFFECTED ME ALSO. I HAVE BEEN A VICTIM OF IDENTITY THEFT! I HAVE SENT IN POLICE REPORTS AND NOW I AM SENDING IN A FTC REPORT WITH HOPES OF RESOLVING THESE ISSUES.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE REQUESTED THAT XXXX, EQUIFAX, AND XXXX XXXX PROVIDE VALIDATION AND THEIR METHOD OF INVESTIGATION ON MULTIPLE TIMES AND NOTHING HAS BEEN DONE. I HAVE SENT VALIDATION THAT ACCOUNTS DOES NOT BELONG TO ME BUT IT HAS BEEN IGNORED. I AM AWARE THAT XXXX HAS BEEN SUED DUE TO SHAM INVESTIGATIONS IN CONSUMER COMPLAINTS AND I HAVE BEEN A VICTIM. EQUIFAX HAS HAD DATA BREACHES WHICH HAS EFFECTED ME ALSO. I HAVE BEEN A VICTIM OF IDENTITY THEFT! I HAVE SENT IN POLICE REPORTS AND NOW I AM SENDING IN A FTC REPORT WITH HOPES OF RESOLVING THESE ISSUES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: MS

Complaint narrative:
I do not this debt. This company owes me money They sent me this in XX/XX/2023 ; the car was at the XXXX dealership XXXX XXXX the XXXX dealership sold the car because this company did not pay service contract. My service contract was with XXXX months later they sent this letter to my home. After they found out that they were being sued by XXXX I sent them many emails and I have all emails sent. I do not owe this debt.. no claim was ever sent to the XXXX dealership saying they switched companies from XXXX. signed my contract with XXXX and they were told not to pay any XXXX sales because they were stealing customers money ... how XXXX months later can you send a paper saying this is your service company and the car was at the dealership, why did they not send all their customers ths information when they took over XXXX sales ; why did they not call the XXXX dealership, because if this company took over and they changed warranty companies why did not informed the customer and the company that fixing the car immediately... this company did not do that... I do not owe this debt this company owe me and many other customers their money. I have all my papers that was signed, and this car was at the XXXX dealership waiting a motor, XXXX was the warranty company. XXXX sent a paper in XXXX 2023 almost XXXX  months later... I have emails that I sent to them. USAuto sales were supposed refund my money but dumped all their accounts over XXXX. What car company waits almost XXXX  months later and sends a paper oh this your warranty company ... no company does this unless it's trying to cover its tracks and not pay the customer their money back I am attacking an email from XXXX with my claim number ; also their response stating they were not getting from XXXX sales. I have all my emails to XXXX sales and 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: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
The CARES Act prohibits creditors from reporting payments as past due if a valid arrangement was made while the account was current. These protections apply to agreements between XX/XX/XXXX, and 120  days after XX/XX/XXXX. 

In XX/XX/XXXX, Mercedes-Benz Financial ( Account No : XXXX ) inaccurately reported a late payment on my credit report, despite my compliance with a valid payment arrangement under the CARES Act. At the time, I was hospitalized battling XXXX while managing underlyingXX/XX/XXXXrelated health issues. My account was current before and after the arrangement, yet the inaccurate reporting continues to harm my financial reputation. 

This violates 15 USC 1681e ( b ) and 15 USC 1681i, which require credit reporting agencies to ensure accuracy and conduct reasonable investigations into disputes. Additionally, under 15 USC 1681s-2 ( a ) ( 1 ), creditors can not report late payments without the consumers consent, further supporting my claim.

Under 15 USC 1681n and 15 USC 1681o, I am entitled to damages for these violations. 

I am requesting : Immediate correction of the inaccurate reporting and updates sent to all credit bureaus.

Monetary relief of {$1000.00} for statutory damages, along with compensation for harm caused. 
Please confirm receipt of this letter and provide written confirmation once the requested actions are completed.

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: LA

Complaint narrative:
I writing to formally request your immediate intervention regarding fraudulent accounts on my credit report. Despite mailing letters to the credit bureaus on XX/XX/XXXX, requesting the removal of these accounts and initiating investigations, there has been no action taken ot date. This failure ot address the issue is causing ongoing harm ot my financial well-being. 
These accounts appear ot be the result of multiple data breaches, including : XXXX XXXX XXXX XXXX XXXX, a leading provider of background checks, which compromised my personal information. 
XXXX XXXX XXXX XXXX, where I was confirmed as a victim ( screenshot attached showing my information was affected ). 
XXXX. XXXX XXXX XXXX, exposing my sensitive personal data again. This is the fourth such breach by T-Mobile, following incidents in XXXX, XXXX, and XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right XXXX dispute fraudulent information on my credit report, and credit bureaus are required ot investigate and resolve disputes within XXXX  days 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ). However, the following accounts remain unresolved : - XXXX Account # XXXX - XXXX XXXXXXXX Account # XXXX - XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX Sold to XXXX Debt Holding Account # XXXX XXXX XXXX Account # XXXX As per FCRA Section 1681c-2, if a consumer notifies a credit reporting agency of suspected fraudulent information, the agency is required to block that information within XXXX business days. The failure ot remove these accounts or initiate proper disputes within this timeframe constitutes a clear violation of my rights under the FCRA and 15 U.S.C. 1681 ( Right to Privacy ). 
I urge the CFPB to promptly notify the relevant credit bureaus XXXX, XXXX and Experian to remove these fraudulent accounts from my credit report and ensure compliance with the FCRA. The continued presence of these accounts is severely damaging my credit and financial standing, and it is critical that this issue be resolved immediately. 
I respectfully request that the CFPB take swift action to rectify this matter and confirn the necessary actions taken. I am a natural person disputing this issue independently, not through a credit company. 

Its is deeply troubling that XXXX, Experian, and XXXX have failed to address this issue despite my efforts. I am a natural person disputing this myself & not aCredit repair company. This is horrible by XXXX, Experian and XXXX not to Remove accounts. 

Thank you for your prompt attention to this matter. I look forward to your immediate response. 

I mailed you all CFPB as well.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/scrub>XXXX AXCSSFN/CNGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the company claimed to have completed the investigation which seems to be fraudulent. By law, I am entitled to all information and documents used in the investigation which I have not received as of today. That is a breach and complete violation of my consumer rights. A copy of the signed loan agreement was requested which I also never received. I am also requesting a 1099-C form be distributed to me immediately since Check n Go claims to have discharged the debt. The 1099-C form should have been sent once they no longer had ownership over the account. The company continues to be neglectful in providing information about this account in a timely, professional manner. Check n Go has failed on multiple occasions when it comes to communicating and providing documentation. In a statement made by the company I was told For any additional questions or concerns related to her defaulted loan, we would advise XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which further proves this companys shady and fraudulent tactics since XXXX XXXX XXXX does not have ownership over said defaulted loan. Had Check n Go provided all information used in their investigation, and actually done an investigation that information would have been verified as untrue. This company had no problem communication via this platform, yet failed to communicate all details of its said investigation and previous actions.

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: FL

Complaint narrative:
there are a lot of inacuracies in my credit report from XXXX, XXXX and Experian due to a recen data breach wish i was affected by. and would like to have all negative items removed from my 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I missed a call from SoFi asking for a call back at XXXX. 

On XX/XX/year>, I noticed that my SoFi checking account has been restricted, and I could not access the money in the account. This is a joint account between my husband and I. After noticing this, I called SoFi to ask why the account has been restricted. They told me that it was a violation of guidelines, and my account was under internal investigation. 

I kept calling back on XX/XX/XXXX and XXXX to see if there are any updates regarding the investigation. Every agent told me that all I could do was to wait for the internal investigation to be over and that they will call me when it was over. The only information that I was able to get out of them was that my account was restricted due to my husband 's direct deposit ( from a XXXX  party ) was deposited under my account #. SoFi let me know that although we have a joint account, the account # is different for the XXXX of us. So the deposit ( with my husband 's name ) being deposited under my account was a violation of agreement. 

They never called me ( after the initial call on XX/XX/XXXX ) to verify or clarity any information with me. I was the one that had to continue to call to figure out why my account was restricted. All they are saying is that I need to wait until the investigation is over, and they won't even let me know how long this process will take. I still don't have access to the money in the account, and is left wondering when things will be resolved because SoFi will not provide any additional updates.

Company response to consumer: Closed with explanation