vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: GA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-13 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
I am writing to inform you that I am a victim of a data breach. As a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit report. 
Accounts : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$28000.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$800.00} Inquiries : XXXX. XXXX XXXXXXXX o Date : XX/XX/XXXX XXXX XXXX XXXX o Date : XX/XX/XXXX XXXX XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXXXXXX XXXX XXXX XXXX o Date : XX/XX/XXXXXXXX XXXX XXXX XXXX o Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. As a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit report. 
Accounts : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$28000.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$800.00} Inquiries : XXXX. XXXX XXXXXXXX  o Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX XXXX XXXX  o Date : XX/XX/XXXX XXXX. XXXX XXXX  o Date : 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 explanation
Consumer complaint received 2024-12-13 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 am writing to formally request that you block and delete the accounts listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were opened or reported in my name without my authorization. 
The fraudulent accounts are as follows : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$170.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$680.00}

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 2024-12-13 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:
I am reaching out for help regarding the inaccurate account listed on my credit report. This issue has negatively impacted my reputation as a customer, and I ask for these accounts to be removed due to their incorrect and harmful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 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 2024-12-13 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-13 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: CO

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Subject : Request for Reopening of XXXX XXXX XXXX and Account Update Dear [ Recipient 's Name ], I am writing to formally request the reopening and thorough reassessment of my pending XXXX dispute claims associated with my account. My name is XXXX XXXX, and my case number is XXXX. 

I am currently facing significant challenges in obtaining status updates for my XXXX dispute claim XXXX and another dispute under claim number XXXX. Customer support at XXXX has indicated that they can not assist due to the closure of my savings and checking accounts, which I find to be unwarranted under these circumstances. 

I previously submitted all necessary documentation about my XXXX dispute claims XXXX and XXXX in-person. I would like to confirm whether these claims have been reopened for further investigation. If they are still closed, I kindly request that they be reactivated. 

Particularly regarding the {$200.00} transaction ( Transaction ID : XXXX ), I urge immediate investigation to facilitate the recovery of these funds. Additionally, I require an update on the claims concerning the {$800.00} ( Transaction ID : XXXX ) and {$60.00} ( Transaction ID : XXXX  ) transactions. If claims for these two transactions have not yet been filed, I request their submission under the " service not received '' category, with the goal of recovering these amounts into my checking account. 

When attempting to initiate an update or appeal at my local branch, I encountered obstacles with Branch XXXX XXXX XXXX at M & T Bank, located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. His contact number is ( XXXX ) XXXX and his email is XXXX. Unfortunately, he was unable to provide assistance in this matter. 

I insist that all claims for the transactions of {$200.00}, {$800.00}, and {$60.00} be reopened for reassessment in accordance with applicable banking regulations. 

Additionally, I have not yet received the {$100.00} credit associated with the new account promotion, despite having met the required {$500.00} direct deposit prior to the closure of my accounts. I am requesting that this amount, along with a total of {$1100.00} in credits, be mailed to my address : XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. 

For reference purposes, my checking account number is XXXX and my savings account number is XXXX. Please feel free to reach me via email at XXXX or by phone at XXXX for any further clarification or updates. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-13 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX CCB XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX CCB XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: WA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and unauthorized activity has appeared on my credit report. 
The fraudulent accounts and inquiries I request to be removed are as follows : 1. XXXX o Account Number : XXXX o Date Opened : XXXX o Amount : {$00.00} 2. XXXX  o Account Number : XXXX o Date Opened : XXXX o Amount : {$00.00} 3. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$4900.00} 4. XXXX XXXX  XXXX o Account Number : XXXX o Date Opened : XXXX o Amount : {$690.00} 5. XXXX XXXX  o Account Number : XXXX o Date Opened : XXXX o Amount : {$130.00} 6. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Amount : {$150.00} INQUIRIES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. 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 2024-12-13 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:
This account was cancelled on the following date : XX/XX/2022 Since then, the account has been repeatedly updated as cancelled every month. This is an update to the payment history. A cancelled account should not include an active payment history. 
This inaccurate information falsely manipulates the statute of limitations. Please investigate this account properly after I asked you to do so TWICE and your negligence has violated my rights, I demand the deletion of the following account : Accounts Name : XXXX XXXX XXXX OF XXXX. Account 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 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I have made several attempts, under written communication category I requested for a 1099-c under debt validation from SoFi bank but they merely sent me bank summary and did not sent me the same communication. 

I consulted an attorney and he said under the CFPB Complaint Portal, my issue most appropriately aligns with Written notification about debt because my complaint revolves around your right to clear, accurate, and legally required documentationspecifically the failure to provide Form 1099-C, which impacts your tax reporting obligations. 

Here is a little background. I took out a personal loan from SoFi Bank on XX/XX/2024, totaling {$65000.00}, with a fixed interest rate of 15.85 %. Due to financial hardship, my account became delinquent, and SoFi charged off the debt on XX/XX/2024. SoFi subsequently transferred the debt to XXXX XXXX XXXX XXXX . 4. I requested that SoFi issue a Form 1099-C to reflect the cancellation of the debt due to the charge-off. However, they refused, claiming the debt is still owed and transferred ownership to XXXX. 

I have made three formal requests to SoFi Bank for a Form 1099-C ( Cancellation of Debt ), as required by the IRS under 26 U.S. Code 6050P. Instead of complying, SoFi Bank has provided only a general account summary, which does not fulfill their legal obligation. Despite multiple attempts to resolve this matter amicably, SoFi Bank has failed to respond appropriately. 

The absence of the required 1099-C is impeding my ability to accurately report my tax obligations. I am seeking CFPBs assistance to ensure SoFi Bank complies with its statutory duty to issue the form for the canceled debt. 

Supporting Legal Context Under IRS regulations, creditors are required to issue a Form 1099-C if they cancel or forgive {$600.00} or more of debt. Failure to provide this documentation can cause undue tax complications for consumers and may violate federal guidelines. Your complaint emphasizes : 1. The legal obligation under 26 U.S. Code 6050P.

2. The consumers right to proper documentation for tax and financial clarity.

If Sofi Bank continues to be unresponsive, I will contact the IRS to report their non-compliance. The IRS can pursue penalties for failure to issue the required form. 

I will also have to ensure my tax returns accurately reflect this situation,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/2024 about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-13 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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