vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter regarding inaccuracies like inquiries and accounts which are unknown to me on my credit report, and I have not received a response from some bureaus, and it has been over 30 days since my complaint and others took more than 30 days for a response. I strongly feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and since it has been over 30 days so they should be deleted promptly. I demand these accounts and inquiries to be deleted immediately or I will file for litigation due to the stress you have cause me the stress has resulted in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  resulted from stress, the fact that you Equifax, XXXX and XXXX are not respecting my rights as a federally protected consumer has heavily and negatively impacted the fair opportunity to secure any credit lines and or loans with a fair interest rate for my well-being and my children. I am a single mother of a XXXX and XXXX and these inaccuracies have prevented me unfairly to acquire a home and a car to provide my children a safe place to live and a reliable vehicle to transport them to school. My information was also impacted by XXXX, Equifax, and XXXX data breach and it may have got into the hands of the wrong person. I repeat this is misleading in such a way and to such an extent that it has adversely affected credit decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter regarding inaccuracies like inquiries and accounts which are unknown to me on my credit report, and I have not received a response from some bureaus, and it has been over 30 days since my complaint and others took more than 30 days for a response. I strongly feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and since it has been over 30 days so they should be deleted promptly. I demand these accounts and inquiries to be deleted immediately or I will file for litigation due to the stress you have cause me the stress has resulted in XXXX XXXX XXXXXXXX XXXX XXXX and other conditions resulted from stress, the fact that you XXXX, XXXX and Experian are not respecting my rights as a federally protected consumer has heavily and negatively impacted the fair opportunity to secure any credit lines and or loans with a fair interest rate for my well-being and my children. I am a single mother of a XXXX and XXXX and these inaccuracies have prevented me unfairly to acquire a home and a car to provide my children a safe place to live and a reliable vehicle to transport them to school. My information was also impacted by XXXX, XXXX, and Experian data breach and it may have got into the hands of the wrong person. I repeat this is misleading in such a way and to such an extent that it has adversely affected credit decisions.

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 2024-03-22 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:
Upon reviewing my consumer credit report, I discovered that I am a victim of identity theft. My identity has been fraudulently used to try to obtain credit. I have attached a list of these accounts and the inquiry dates for your reference. These unauthorized inquiries are negatively impacting my credit score and hindering my ability to purchase a home for my family. I request that these inquiries be deleted from my credit report as they do not belong to me and are the result of identity theft. Your prompt attention to this matter is greatly appreciated as I am in the process of buying a home for my family. Thank you for your assistance. 

CONSUMERS COOP CU via CONSUMERS COOP CU inquiry date 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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
Payment processors are sneakily trying to remove my ability to purchase XXXX XXXX XXXX content by coercing companies to follow their policies on said content, as can be seen here Effective XX/XX/2024 the website, XXXX, is the most recent victim of the monopoly of payment processors and has disallowed XXXX XXXX  content to be purchased on their website This directly harms the artists financially and also denies them and the consumers their freedom of expression XXXX content is covered under the first amendment and the platforms being affected are digital. There is not much consumer choice among payment processors so it is currently not possible to find a processor which has not been trying to use its size and influence to XXXX  its political views on XXXX content into my ability to make purchases Because the policies of the payment processors are blanket for the platform, it is also not possible to find an alternative payment method, such as cash or crypto currency, to purchase this legal content. If this is allowed to continue, it will not be farfetched for payment processors to restrict the purchase of medication or other legal goods that might go against the ideology of the digital monopoly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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

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 2024-03-22 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:
I am a victim of identity theft please remove this fraud inquiry 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 2024-03-22 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: FL

Complaint narrative:
I am filing this report due to a critical concern regarding my XXXX score. This is the fourth time I am submitting a complaint in regard to the same situation that has happened multiple times over the past year ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). On XX/XX/XXXX, my credit score through Transunion was XXXX. The score factors indicated that I have no missed payments, I have limited the use of my available revolving credit, I have an established credit history, and I have shown recent use of credit cards and/or bank issued open-ended accounts ( see attachment ). On XX/XX/XXXX, my credit score indicated a decrease to XXXX. No factors were given for the drop. The only activity indicated for the period was " The total balance on all you XXXX account ( XXXX ) has decreased by {$41.00}. '' My credit report has no negative accounts or information. How can my score decrease when there was no negative activity ( reported or otherwise ) whatsoever within 8 days? I have no inactive accounts reported to any of the credit bureaus. I also have only XXXX credit cards reported and a mortgage, none of which are in delinquency or late. I have contacted the credit bureaus multiple times in the past to inquire why my credit score has gone down without any reason. Not a single customer service representative at any of the credit bureaus I contacted have provided an explanation. Over a 25-year span of building my immaculate credit, this significant drop is catastrophic and is a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reported to the three credit bureaus that my Capital One account, ending in XXXX, was reporting inaccurate payment history in XX/XX/XXXX. Capital One then placed comments under each credit bureau report stating information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). invalid date. I called XX/XX/XXXX to let Capital One know that my credit reports are still reporting inaccurate information and would like the late payments to be removed or I would be filing a complaint. I have attached XXXX credit report dated for XXXX XX/XX/XXXX reflecting a 30 day late payment for XX/XX/XXXX. I have attached my XXXX credit report dated for XXXX XX/XX/XXXX reflecting a 30 day late payment for XX/XX/XXXX. I have attached my XXXX report dated for XXXX XX/XX/XXXX reflecting a 30 day late payment for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX I received a text from SoFi asking if I spent {$220.00} at XXXX XXXX XXXX XXXX I did not and they then froze my card asking me to call them the next day. I called the next morning and was told there was nothing they could do until the transaction posted to my account but they asked if I wanted a new card. I said yes. Fast forward a couple of days, I asked for an update and they stated that there was nothing they or I could do but wait until the investigation was over. At this point Ive removed my direct deposit ( s ) and most of my money from SoFi. Im just requesting an update of some sort on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
The filed number with law office of rubin and rothman is XXXX can you plesse let the law office know that i want to do a payment plan i can only pay XXXX a month until the balane is pay off

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 2024-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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 already submitted my complaint to the Federal Trade Commission ( FTC ) as required and have contacted the bank associated with the account in question.I have spoken to the bank on the phone, and they have confirmed that the account should be removed from my credit file. Furthermore, I would like to bring to your attention that the other credit bureaus have already deleted this account from their records. I am the one initiating these disputes, and I request that you investigate this matter promptly. I also request that you remove this account from my credit report as soon as possible. 

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 2024-03-22 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:
The company violated my right to privacy. Also has not provided me with proof of the original agreement or contract and have negative items on my credit report. I gave no permission to or signed any contract.

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 2024-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
From the get go, I thought my APR was extremely high when I purchase the vehicle considering the fact my credit was decent and put down a payment. I was on time for my payments for a whole year and some change never missed a payment or was late and asked for an extension because I XXXX XXXX XXXXXXXX  and I wasnt working. So I just asked to have an extension for some time. I got back on track by taking out a loan. And I fell behind and I called to talk to someone about putting my payments on the back end because my payment was extremely high anyway which I couldnt understand. I talked to the rep over the phone and we came up with some payment arrangements and my vehicle was picked up two days later. I called to see why it was picked up bc there was an agreement and the other rep couldnt tell me anything or any reason why they dont have any record of the conversation or any type of notes of the conversation Ive had by the other rep that I spoke with. I tried working something out then on the phone and they told me there was nothing they could do unless I paid for the entire loan and I asked my about my belongings in the vehicle and he said he had no information on the third party tow company that they gave my information to without me consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments.I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. Please have these accounts updated : XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
I am disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments.I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. Please have these accounts updated : 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 2024-03-22 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:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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