vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: GA

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 non-monetary relief
Consumer complaint received 2024-04-12 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:
There are inaccurate items on my credit report which I have notified you now many times. I keep being disregarded by you which is just causing me unnecessary stress over this. I am going to be sending a copy of this to the cfpb ombudsman as well because this is just beyond negligence at this point.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are inaccurate items on my credit report which I have notified you now many times. I keep being disregarded by you which is just causing me unnecessary stress over this. I am going to be sending a copy of this to the cfpb ombudsman as well because this is just beyond negligence at this point.

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 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
In mid XXXX, 2024, I decided to end my crypto investment before my XXXX shares of XXXX dropped in value. I reached out to chat.crypto.com to get directions on how to sell my crypto to get it first to my XXXX XXXX then to my XXXX XXXX  account. The chat representative gave the steps necessary to get money back to my bank account. But after completing the first step, the amount of {$340.00} was transferred to a Crypto Wallet, not the XXXX XXXX. But when I continued my chat to ask why I was not able to get $ to my XXXX XXXX, there was no reply. I began to realize that Crypto.com did not want this XXXX  citizen to sell his currency ; I was being blocked. Note here that when you are ready to buy currency or invest, you get excellent help and great communication! I then went to XXXX email address in order to get help. 
But I was given the same run around. They would reply that to get money to the XXXX XXXX, I had to have a permanent address, not just a po box #. I immediately replied asking to whom I send my residential address. XXXX days later, no answer to my question..just a form letter saying : If we can be of help or if you have any questions, please contact us. I replied 4 times pleading for help with what to do next. But each time, no answer..just that same form letter asking me to reach them if I had any questions. I was being blocked from selling my currency to my XXXX XXXX  and thus blocked from ever getting my approximate {$340.00} back to my bank account! They then play a new game to block me. They pretend they need proof of my identity! An absurd demand, given that they already have this proof via email, tel # and by the fact that I can not even open the Crypto.com app without my secret password! Can you help me? I have limited funds. What worries me the most? My {$340.00} seems to have disappeared. XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
Velocity Investments , LLC i dont know what alleged debt i owe you and why you have been attmepting to contact 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 2024-04-12 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: CA

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. 

California XXXX XXXX - Account number # XXXX, has violated my rights. 

XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX XXXX  - Account # XXXX, has violated my rights XXXX XXXX - Account # XXXX, has violated my rights U.S XXXX  Court - Account # ( Reference Number ) XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-04-12 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:
Despite numerous written requests, the unverified accounts listed below are still appearing on my credit report, which is a clear violation of federal law. TransUnion Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my efforts to address it directly with the creditor, amounts to willful negligence and non-compliance with federal statutes. I demand the immediate and complete removal of the following accounts from my credit reports.XXXX XXXXXXXX, XXXX XXXX and XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and 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 2024-04-12 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:
Despite numerous written requests, the unverified accounts listed below are still appearing on my credit report, which is a clear violation of federal law. XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my efforts to address it directly with the creditor, amounts to willful negligence and non-compliance with federal statutes. I demand the immediate and complete removal of the following accounts from my credit reports.XXXX  XXXX, XXXX XXXX and XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
Violation of privacy act 1974 Discriminatory practices stopping me from extending my credit by placing adverse information in my credit profile unlawfully and violation of all corporations involved of their terms and agreements and company privacy act

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 2024-04-12 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: CA

Complaint narrative:
Violation of privacy act 1974 Discriminatory practices stopping me from extending my credit by placing adverse information in my credit profile unlawfully and violation of all corporations involved of their terms and agreements and company privacy act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX I visited XXXX XXXX XXXX to purchase mattress when I received my first bill I noticed the amount I owed didnt match with what I purchased when I called synchrony bank I noticed that XXXX XXXX made several charges I didnt authorize i returned the merchandise to XXXX XXXX and notified the bank of the issue in which I had to file a dispute XXXX XXXX refunded me the full amount but synchrony bank keeps billing me for something I dont have .i have been trying to get the resolved for months now, now they are trying to mess up my credit with late charges I do not owe I owe them nothing. Please help I dont know what to do

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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
Ability recovery service collection agency popped up on my credit saying I owe {$420.00} for something that is not mine. I have disputed multiple times and have gotten denied each time. When I contact them they are rude and refuse to dispute it. There has also been phone numbers and addresses not associated with me on 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 2024-04-12 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: WA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-12 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-12 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: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I am a victim of identity theft and have gone over to the bureaus to send my FTC reports, BUT XXXX won't even help me. I sent out my letter XX/XX/XXXX and they received it, XX/XX/XXXX and up to this date ( XX/XX/XXXX ), the fraudulent hard inquiry is still showing on my credit report with them. I need that hard inquiry removed asap and I've been on the phone with them several times. Their agents would tell me different resolutions every single time and never actually resolved the problem. I sent out my IDs to them but they never listened. 

I also called the company but they also didn't take action on this matter. 


Here is the fraud inquiry : ROCKLAND TRUSTXXXX XXXX XXXX XX/XX/XXXX I am attaching to this request the same FTC report that I sent to XXXX along with my IDs and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: OK

Complaint narrative:
Hi my name is XXXX, this debt is by I.Q. Data international. XXXX XXXX, an apartment in XXXX  XXXX owned by XXXX XXXX is charging XXXX  of dollars for rent even though they broke the lease by not making repairs required to sustain habitability. On XX/XX/2022 I submitted a maintenance request to fix my apartments air conditioner and I waited 2 weeks, the legal wait period. I never received a response so I messaged them saying Im leaving. The apartment was XXXX and if my parents didnt live in the same city, I wouldve been homeless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Problem : SoFi and XXXX ( SoFis payment service provider ) unethically charged an extra principal amount of {$25000.00} and its accrued interest on the private student loan even though the educational loan has been paid off completely. I called XXXX several times ( from XX/XX/XXXX to XX/XX/XXXX ) to resolve the issue, but their supervisors failed to address the issue or provide any status updates to help me. SoFi doesnt help either and they brush off the problem saying to call XXXX to resolve any issue. 
_____________________________________________________________________ XXXX XXXX : Only one student loan amount of {$29000.00} is sanctioned and disbursed to the university by SoFi.

1st disbursement is {$14000.00} on XX/XX/XXXX 2nd disbursement is {$14000.00} on XX/XX/XXXX From the second disbursement, the university returned {$3900.00} on XX/XX/XXXX to SoFi/XXXX as this was an extra amount that neither the university nor the student required. 

I paid off the first disbursement of {$14000.00} and accrued interest completely between XX/XX/XXXX and XX/XX/XXXX. 
The second disbursement of {$14000.00} and accrued interest is paid off completely between XX/XX/XXXX and XX/XX/XXXX. This second disbursement repayment transaction also includes the returned amount of {$3900.00} from the university. 

Therefore, I have technically paid off all principal and interest for the original {$29000.00}. I have shared the payment history for reference and as a source of truth. 
_____________________________________________________________________ SoFi and XXXX Erroneous Execution Explanation : Instead of closing this loan account, SoFi and XXXX created a new loan sequence with a principal amount of {$25000.00}. As I understand they subtracted the universitys returned amount from the total loan amount disbursed and created a false loan sequence i.e. {$29000.00} - {$3900.00} = {$25000.00}. But they failed to account for the repayment ( including interest ) already made. 

Im now forced to pay the installments and interests on this false extra loan amount out of fear of them reporting to credit reporting agencies for no wrongdoing of mine. The only means to contact their customer service is a phone call and the team doesnt follow up, at least via email as a courtesy to provide any status update on the issue. Every time I call them, I need to explain the same issue repeatedly and they tell me to pay the installments without any proper investigation into the problem.

Company response to consumer: Closed with explanation