vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: SC

Complaint narrative:
Inquires on my credit dont no knowledge about I was involved in a data breach my information was in fraud

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
Im Dispute this account to be Inaccurate Information Under FCRA Section 1681i now im also requesting the Copy of the Retail Installment Contract Copy of the Arbitration Agreement Copy of any other documents I signed that day Downpayment Receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: SC

Complaint narrative:
I had an account with XXXX acct # XXXX which was never late and was removed from my XXXX credit files due to inaccuracy and fraudulent practices.XXXX/EXPERIAN continue to report a chargeoff on my credit profile that is illegal and was never late they have chose to report account as chargeoff dated XX/XX/XXXX with NO data of my previous payments that were made and XX/XX/XXXX payments were stopped and they have continously decided to report a chargeoff on my credit file.im a resident of South Carolina also where my loan originated. AS OF XX/XX/XXXX IM IN ONE OF THE STATES ( SOUTH CAROLINA ) WHERE LOAN WAS CANCELLED. ( XXXX XXXX XXXX ) Also there was a payment pause on the said account XXXX. 
There are several inconsistencies of this account and needs to removed it has caused family financial issues with funfing, mental disturbance of my Everyday life. This needs to be resolved in a timely fashion by removing fraudulent reporting which if it continues I will be seeking legal remedy from all parties in volved with this FRAUD.

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 2024-05-06 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: UT

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 2024-05-06 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: UT

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 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Coinbase completely mishandled XXXX on my business account. This is the XXXX year in a row where their team has struggled with documentation and timelines. This time ( and only after escalating, keep in mind ), did Coinbase also decide to close my business account despite meeting all stated terms. Furthermore, they stated that this was due to a transition that they also refuse to further clarify on. I need Coinbase to clarify how my account did not all of a sudden meet agreed to and stated terms this year after being an institutional member for almost XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-05-06 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. I did not authorize those inquiries. I went for information and those inquiries were made to me without my authorization on XXXX by the people at XXXX XXXX. 
Therefore, I request the elimination of these queries since they were not authorized by me and I am being affected by them. Describing them below : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not give my authorization for them to do the inquiries, they asked for all my information to be able to show me a car, and I never asked for a quote or anything. I went days after this happened and the finance manager in XXXX gave me a handwritten letter saying that those inquiries should please be deleted, but that they couldn't delete them. I called the XXXX  and they told me that you could help me with a claim that I must attach to them along with a letter so that they can eliminate it.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2024, I looked at my report, and noticed Transunion and XXXX are still reporting inaccuracies on my report. I disputed the items on XX/XX/2024, Transunion sent me back there response stating that they investigated the item and the account is complete and accurate. However I looked at my report and noticed everything is still the same. I sent another letter to both Transunion and XXXX asking for proof of verification because they are reporting inaccurate information and according to the FCRA I believe they have laws that these companies are supposed to follow yet they are ignoring the laws and penalizing me for there inaccuracies. XX/XX/2024 I sent my letter to XXXX asking them to reinvestigate the inaccurate account : XXXX XXXX XXXX, here 's the tracking number : XXXX XXXX XXXX XXXX XXXX and on XX/XX/2024 to Transunion for the same XXXX XXXX XXXX XXXX  tracking number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX sent me back the same thing stating that they investigated the account and its complete and accurate. Transunion sent me the the same response one week later. How are these accounts complete and accurate when they are reporting that my last payment was made on a date that is considered a C/O. I consulted with my lawyer friend and I have proof of all the inaccuracy also the lawyer stated that by law they are supposed to remove any inaccurate account from my report. My lawyer friend also stated that after any reinvestigation according to 15 USC 1681i 5 " ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed, 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. Also according to 15 USC 1681s-2 this is supposed to happen ( 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. 
Transunion and XXXX really did not investigate or reinvestigated the account, they lied on an official document saying they did something they did not do and I have evidence to prove my case. XXXX deleted the item I disputed and Transunion and XXXX continue to lie about they're investigation. Why do we have laws, rules and regulations if they are not following it???

I've attached all of my proof.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Intervention and Review of Credit Reporting Discrepancies Dear Consumer Financial Protection Bureau, I am writing to request your urgent intervention in the matter of persistent inaccuracies in my credit reports as maintained by XXXX, XXXX, and XXXX. Despite multiple disputes and the submission of sufficient documentary evidence confirming the discharge of my student loans under the FSA Borrower Defense program ( Application Number : XXXX ), these agencies have failed to update their records accurately. This ongoing issue is detrimentally affecting my credit score and my ability to access financial products. 

Detailed Account Information and Dispute History : XXXX : Account # XXXX - Opened on XX/XX/XXXX, balance of {$10000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$18000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$1300.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$6100.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$12000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$30000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$4000.00}. 
XXXX : Account # XXXX - Opened on XX/XX/XXXX, balance of {$10000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$18000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$1300.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$6100.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$0.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$30000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$4000.00}. 
XXXX : Account # XXXX - Opened on XX/XX/XXXX, balance of {$10000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$18000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$1300.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$6100.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$0.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$30000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$4000.00}. 
These accounts were discharged due to recognized deceptive practices by XXXX University, and this discharge is supported by formal letters from Nelnet Loan XXXX, acknowledging the forgiven status of these loans. 

Enclosures : Discharge letters from Nelnet Loan XXXX. 
Copies of all disputes submitted to XXXX, XXXX, and XXXX. 

I request the CFPB 's immediate review and intervention to ensure that these discrepancies are corrected in accordance with federal regulations. Your assistance in this matter is crucial and greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
My sofi account was froze due to suspicious activity which they concluded was a violation on my part somehow and told me my acct was pending for closure and I have waited over a month to have my account closed and my money sent to me or transferred to external account but nothing has happened or changed my status I have called everyday for the last month and all they say is its a back office issue and they will email them on repeat

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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