vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of account XXXX XXXX XXXXXXXX on my credit report by the credit bureaus. On XX/XX/2024, I received communication from the credit bureaus stating that the investigation into this account had been concluded, purportedly finding it to be accurately reported. However, upon careful review, it is evident that there are multiple inaccuracies present in the reporting of this account. 

Specifically, the reported date of open, high balance, last activity, last verified, last report, and date of late payment are all incorrect. These inaccuracies call into question the integrity and reliability of the information provided by the credit bureaus. Given the extent of these discrepancies, I firmly believe that grounds exist for the immediate removal of this account from my credit report. 

Furthermore, I wish to bring to your attention a violation of my rights under 15 U.S.C. 1681 Section 604 A. According to this statute, a consumer reporting agency is prohibited from furnishing information about an account without the written consent of the consumer. I have not provided written authorization for the inclusion of account XXXX  - XXXX on my credit report. Thus, the inclusion of this account without my consent constitutes a clear violation of federal law. 

In light of the foregoing, I hereby request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. I urge you to take immediate action to rectify the inaccuracies in the reporting of account XXXX  - XXXX and to ensure compliance with all relevant laws and regulations. 

Please acknowledge receipt of this complaint and provide me with information regarding the steps being taken to address this issue. I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I do not recognize these credit inquiries and asked the bureaus to remove them, but they did not comply with my request. In confirmation, I provide a report of identity theft, which I will attach to this letter. Here is a list of credit requests that I do not approve : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-05-05 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: CA

Complaint narrative:
I do not recognize these credit inquiries and asked the bureaus to remove them, but they did not comply with my request. In confirmation, I provide a report of identity theft, which I will attach to this letter. Here is a list of credit requests that I do not approve : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Are you committing securities fraud? 
Can you close the account without my consent? 
Can you report a late charge on a closed account? 
Why did you report a late payment on a closed account? 
Did I give you consent to close said account? 
Can you provide this?

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 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent/ LVNV never gave me the opportunity to address the alleged debt or dispute it. It just appeared on my consumer report. I never received written notification about the alleged debt. I didnt receive notice about my rights to dispute. Didnt know about the assignment of debt, when bought, wasnt given a 5 day notice. Know how works dide. Didnt have opp to dispute. I NEVER received notice. If you believe you gave proper notification send the receipt, certified mail with my name and signature. If you cant provide proof, you must delete at first immediate time cant

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
Subject : Complaint Regarding Holding of Funds and Account Closure Request with SoFi To Whom It May Concern, I am writing to bring to your attention a concerning issue I have encountered with SoFi regarding the handling of my checking account. Since XX/XX/year>, SoFi has been withholding my funds amounting to {$440.00} without providing me with an estimated timeframe for account closure. This lack of transparency and communication is highly concerning.

Despite my repeated inquiries, SoFi has failed to give me a clear timeline for when my account will be closed and my funds released. Furthermore, they have informed me of their intention to return the funds to the original creditors, which is not acceptable to me. I have explicitly requested that the funds be transferred to another checking account linked on file, yet SoFi has not honored this request. 

This situation has left me feeling as though my funds are being held hostage, and I am deeply dissatisfied with SoFi 's handling of this matter. I demand that my funds be promptly transferred to my designated checking account and that my SoFi account be closed immediately, as I no longer wish to conduct any business with an institution that operates in such an unprofessional manner. 

I appreciate your attention to this matter and trust that you will take the necessary steps to ensure a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: FL

Complaint narrative:
Recently did another investigation my credit reports and found several items to be inaccurate and not properly investigated by the credit bureaus. They claim letters are sent by credit repair companies and refuse to report accurate information.

Under 15 U.S. Code 1681e ( 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.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove & correct the following from my credit reports : XXXX XXXX XXXX XXXX XXXX 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 2024-05-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently did another investigation my credit reports and found several items to be inaccurate and not properly investigated by the credit bureaus. They claim letters are sent by credit repair companies and refuse to report accurate information.

Under 15 U.S. Code 1681e ( 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.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove & correct the following from my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
After dealing with XXXX XXXX XXXX, who violated the FDCPA by contacting me even though I have active cease and desist. I have received another letter on their behalf from scott and associates and this is causing me a great deal of unwanted stress and XXXX and I am going to take legal action against XXXX XXXX and Scott and Associates if this is not resolved. 

I am writing in response to your recent communication regarding an alleged debt that you claim I owe. I would like to inform you that I do not believe this debt is mine, and I am seeking detailed written verification to substantiate your claim. 

As per the Fair Debt Collection Practices Act ( FDCPA ) under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of the debt in question. It is important to note that I am not questioning the validity of your agency, but rather seeking proof of the debt 's validity and its association with me. 

To proceed with the resolution of this matter, I kindly request that you provide the following information : XXXX. The full amount of the alleged debt, including any interest or fees being claimed. 
XXXX. The name and contact information of the original creditor. 
XXXX. Details of the original creditor 's agreement or contract with myself. 
XXXX. Copies of any documents or statements proving that I am responsible for this debt. 
XXXX. Any other relevant information or documentation that supports your claim. 

I would appreciate receiving the above-mentioned information within 30 days from the date of this letter. If you are unable to provide the requested documentation within this time frame, I kindly ask that you cease all collection efforts and remove any negative reporting from my credit file until the requested information is provided. 

Please note that my request for verification of this debt does not imply any admission of liability. It is essential for me to understand the nature of the debt and its association with my financial history. 

I prefer to communicate in writing to ensure accuracy and to maintain a record of all correspondence regarding this matter. Any future communication regarding this debt should be sent to the address provided above. 

Thank you for your prompt attention to this matter. I trust that you will handle this request in accordance with the FDCPA and provide the necessary documentation to validate the alleged debt. 

This is absolutely absurd and I will take this to the media and the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I noticed 4 hard inquiries on my credit report ( XXXX XXXX ) that i didnt authorize and i would like them removed and 2 of them are from chase but the inquiries with the dates are ( XXXX XXXX XXXX  ) Inquiry date- XX/XX/year> ( Amex ) inquiry dateXXXX ( XXXX XXXX XXXX  XXXX Inquiry date- XXXX ( XXXX XXXX XXXX  ) Inquiry date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: Collection Consultants of California
State: CA

Complaint narrative:
I have disputed several times this medical bill because I have not been at the Hospital they are mentioning. When I ask for a validation of the debt they never answer with the information I'm requesting. They are in violation of the FCRA.I have included all the disputes I have summited including the certified mail tracking numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC
State: AZ

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 XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name:XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX. 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 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 explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: WA

Complaint narrative:
On XX/XX/2023 I purchased a 1 year membership to XXXX XXXX XXXX XXXX. After a few months I closed the checking account it was on autopay for because I got married and went to husbands account. Did not even think about this membership that was linked to that checking account. Fast forward to now, XXXX in contract to buy a home and found out that I got sent to collections for {$210.00}. XXXXXXXX XXXX  did not even try to contact me over any means of communication about the missed payments. I never received any emails or calls or anything. Then after getting sent to collections, I did not know anything about it. The only way I found out what it was even for is because on the mortgage disclosure it said the debt collection company ( CACi ). I then contacted them and they emailed me some documents. The address they sent the letter to was completely wrong. Yes, I signed a contract and would have been willing to update the payment info if I knew. It is wrong to not have any notifications of missing payments and automatically getting sent to collections. Now our interest rate on this house is going to be higher because of the impact to my credit score this has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account is reported incorrect and has inaccuracies is preventing my ability to obtain credit. I was never late and I don't know why it's in 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 2024-05-05 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: PA

Complaint narrative:
I am requesting an investigation for my consumer report because after reviewing my credit report I noticed multiple fraudulent accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681 the consumer reporting agency is required to investigate these accounts and remove anything that has not been verified by these creditors. I have never signed any contracts and I did not authorize the use of my non public information. Now I expect a fair and reasonable investigation resulting in the removal of these fraudulent accounts.

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 2024-05-05 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: PA

Complaint narrative:
I am requesting an investigation for my consumer report because after reviewing my credit report I noticed multiple fraudulent accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681 the consumer reporting agency is required to investigate these accounts and remove anything that has not been verified by these creditors. I have never signed any contracts and I did not authorize the use of my non public information. Now I expect a fair and reasonable investigation resulting in the removal of these fraudulent accounts.

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 2024-05-05 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: WI

Complaint narrative:
XXXX XXXX account num XXXX Report TransUnion credit bureau XXXX l owe them money .which l have spoken to this fraud dept. .whom agreed information on the file doesn t match .instead of XXXX XXXX XXXX to stop. reporting to the transunion whom agrees l don't own .my information doesn't match. That the reason l haven't heard any information to Pay. Cause they aware l l don't owe this company XXXX XXXX firm spoke to fraud department whom stated social security num name doesn't match. And. The company never provided bill. To TransUnion

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 2024-05-05 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:
Dear TransUnion, I am writing to request the immediate removal of several unauthorized hard inquiries from my credit report. These inquiries were not authorized by me and are the result of identity theft and fraud. The following inquiries were made without my consent : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries do not reflect any legitimate activity on my part and have adversely impacted my credit score. I have taken appropriate steps to address the identity theft and have reported the fraudulent activity to the relevant authorities.

I kindly request that TransUnion take immediate action to remove these unauthorized inquiries from my credit report to ensure its accuracy and integrity. Your prompt attention to this matter is greatly appreciated.

Please feel free to contact me if you require any further information or documentation to process this request.

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