vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. XXXX  times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: ID

Complaint narrative:
I am writing to formally dispute the fraudulent account that has been inaccurately reported on my credit report. I have thoroughly reviewed my credit report and found an account that I did not open and have no knowledge of. This account is XXXX affecting my credit score and does not belong to me. 

I am a victim of identity theft, and this fraudulent account was opened without my knowledge or consent. In support of my dispute, I am enclosing the copy of the Identity Theft Report filed with the XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my credit report on XX/XX/XXXX from all XXXX credit companies, XXXX, XXXX, Experian. and noticed there is collections and inquiries and accounts that DONT BELONG TO ME. they even had my personal information wrong. I am currently facing challenges in disputing XXXX  accounts that have inaccurately appeared on my credit report, negatively impacting my XXXX XXXX. Specifically, accounts attributed to entities like XXXX and others do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Some accounts dont even show up with the full information on them. and some show on some companies and some don't. By law consumers reports must be XXXX XXXX accurate not XXXX XXXX or XXXX XXXX but XXXX XXXX. Some accounts show up as late that dont even belong to me and are impacting my XXXX XXXX. I called the collection agencies and requested a CONTRACT with my OWN signature to prove I AM LIABLE FOR THIS DEBT WITH THEM and they didn't provide XXXX and BY LAW I should get XXXX that shows I am LIABLE for this debt. 

ACCOUNT : XXXX XXXX NUMBER:XXXX ACCOUNT : XXXX XXXX XXXX NUMBER:XXXX  ACCOUNT : XXXX  NUMBER:XXXX ACCOUNT : XXXX NUMBERXXXX ACCOUNT : XXXX  XXXX NUMBER : XXXX INQUIRIES ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX ACCOUNT : XXXX XXXX XXXX NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX NUMBER XXXX ACCOUNT : XXXX XXXX XXXX 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 2024-07-12 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: NJ

Complaint narrative:
Upon checking my credit file on Equifax, I found following account has been opened fraudulently and without my authorization on XX/XX/XXXX. XXXX is with XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card # XXXX. This is a case of IdentityTheft. Please remove this account from my credit file.According to an letter from XXXX XXXX  at my residential address dated XX/XX/XXXX, The bank claims the whole account has been paid and XXXX has a XXXX balance ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... When I call bank they say call bureau ... ... Bureau people say call bank ... ..... Please remove this fraudulent account from my Equifax Credit file. I also request a credit report from Equifax credit Bureau send at my residence XXXX XXXX XXXX, XXXX, XXXX  XXXX... ..... I have also attached XXXX  report for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
I have been victim of identity theft. My personal information has been used to obtain goods and services. i contacted XXXX and told them tht this inquirires are fradlent and provided prood, even though they told me that this inquiries were verified Please dispute and remove this fradulent inquirires from my credit report. XXXX XXXX  XX/XX/year> 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 2024-07-12 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: IL

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from 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 2024-07-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from 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 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CL Holdings LLC
State: IN

Complaint narrative:
Thank you for taking a XXXX  of minutes out of your busy day to read this letter. Ive enjoyed my relationship with XXXX  and XXXX  XXXX since XXXXIm writing because I noticed your company reported a XXXX  in XXXX  on my credit reports. I am requesting a goodwill adjustment to remove this XXXX  payment from my XXXX, XXXX and XXXX credit reports. 
Upon review of my records, I realize that I did indeed miss the payment deadline. Unfortunately, I was without a job and was homeless. Now im trying to get back on my feet I take full responsibility for the mistake and have made sure it wont happen again. 
Im in the process of applying for a XXXX loan to get back in fourth to work and a apartment the negative impact of the XXXX account could result in a denial for my loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 
Thank you for your time and consideration. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I was working when I realized my shared XXXX  XXXX card was being used. I thought it was the authorized user who made the purchase and when I checked with them it wasn't. I reported the card stolen to XXXX  XXXX and was issued a credit and a new card was given to me. I continued working as I could not leave and I checked my debit card to not see anything out of the ordinary at XXXX  glance. I checked outside and my car and my wallet was there or in the house. I have XXXX phones XXXX for business and XXXX for personal use. I was trying to find my XXXX  phone when I realized it wasn't there either and I logged into chase account to see that there XXXX charges on my chase sapphire credit card for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for XXXX. I called chase reported it stolen and was credited the amounts back after a XXXX. XXXX  XXXX later they are saying I made the purchases and that I never reported the card stolen and I did which is why a new card was given to me. I even offered the police report the XXXX and they said they didn't need it and today XX/XX/XXXX they are asking for it but won't refund me the total amount they are charging me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: SC

Complaint narrative:
I was contacted by a third-party company asking to settle the amount owed. I stated that the amount owed was not being reported correctly the representative stated that they will being to place a judgement on me as well as seize my bank accounts and other assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''

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 2024-07-12 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: TX

Complaint narrative:
See the attached FTC report and remove the following unauthorized accounts and inquiries from my credit report : 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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against SoFi Bank regarding a serious issue with my checking account. My account, which currently has a balance of {$6700.00}, has been frozen without any clear explanation. Despite numerous attempts to resolve this matter directly with SoFi Bank, I have been given the runaround, and the issue remains unresolved after several weeks. 

The funds in my account were deposited through a direct deposit from my daughter, XXXX XXXX XXXX company. This money is intended to cover my living expenses for this month. I have provided SoFi Bank with all necessary information, including my daughter 's contact details and her employer 's contact information, to facilitate the verification process. However, despite my efforts, SoFi Bank has not taken any steps to resolve this issue. 

This situation has caused significant financial stress and inconvenience as I am unable to access my funds to pay for essential living expenses. The lack of action and communication from SoFi Bank is completely unacceptable and feels like a violation of my rights as a consumer. 

I am seeking your assistance to urgently investigate this matter and ensure that SoFi Bank takes the necessary actions to unfreeze my account and allow me access to my funds. This delay and lack of resolution is not only unacceptable but also feels akin to theft, as I am being denied access to my own money. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance in resolving this issue. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: FL

Complaint narrative:
TO WHOM IT MAY CONCERN SAID ACCOUNT # XXXX XX/XX/XXXX OR CHILD SUPPORT WAS REPORTING ON MY CREDIT PROFILE AND IT IS INACCURATE AND SHOULD BE REMOVED AS PROMISED BY THE XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX AND IT SHOULD BE REMOVED ACCORDING TO FCRA SECTIONS 609,611, 1681 B

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 2024-07-12 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date ( XXXX, 2024. ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.|

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