vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Inc. garnished my wages without providing any proper notice, causing significant and undue financial distress. At no point was I notified of a judgment or the garnishment itself, either by Transworld Systems Inc. or my employer, who also failed to inform me before the garnishments began. This complete lack of communication and notification left me blindsided and unprepared to handle the financial burden. 

On or around XX/XX/XXXX, I contacted Transworld Systems Inc. in good faith, seeking to set up a repayment plan. During my conversation with multiple agents and a supervisor, I clearly explained that a garnishment would create severe financial hardship. They assured me they would mail a hardship exemption form, but I never received it. Despite my repeated efforts to work out a voluntary repayment agreement, including signing and returning the necessary documentation as instructed, they failed to honor the agreement or provide any updates. 

Adding to the frustration, I was locked out of my online account for making payments. While I could log in, they refused to accept payments in any amount. Instead, Transworld Systems Inc. appeared unwilling to cooperate, even going so far as to initially brag about their intent to garnish my wages while I was actively trying to resolve the matter responsibly. Their actions demonstrate a lack of transparency, fairness, and regard for the financial distress they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-07 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX  XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: IL

Complaint narrative:
I have contacted both XXXX  XXXX several times & received documentation that account # XXXX credit card was in fact reporting to all three bureaus since opening in XXXX I forwarded documentation to Equifax & contacted them disputing account not reporting at least 3 times Account still not reporting. This account is in good standing with XXXX balance Plz report it Additional, XXXX XXXX absolutely refuses to increase my credit limit after 3 years of excellent payment history All my other cards XXXX XXXX XXXX has increased my limits several times but they refuse despite my excellent payment history with many accounts & fair credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MD

Complaint narrative:
I am writing to formally lodge a complaint against SoFi Bank for their repeated failure to prevent unauthorized charges on my account despite multiple verbal assurances from their representatives. 

Since XX/XX/year>, SoFi Bank has allowed XXXX to charge my account twice a month without my consent totalling {$50.00} per month. I have never authorized these charges, nor have I received any goods or services from XXXX in relation to these transactions. Each month, I promptly call SoFi Bank to report these unauthorized charges, and each time, their representatives verbally assure me that they will stop all future payments to XXXX. However, the charges continue to be processed. 

This situation has caused significant frustration and financial inconvenience. SoFi Bank 's repeated failure to resolve this issue, despite my consistent efforts to address it, demonstrates a lack of accountability and disregard for their duty to protect their customers from unauthorized transactions. 

I kindly request that the Consumer Bureau investigate this matter and ensure that SoFi Bank takes immediate and effective action to stop these charges permanently. Additionally, I would appreciate assistance in recovering the funds that have been wrongfully deducted from my account since XX/XX/year>. 

Thank you for your attention to this urgent matter. I am happy to provide any additional information or documentation necessary to support my complaint.l

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX, and Im contacting you regarding an issue with my Chex Systems report. Ive noticed an inaccuracy concerning bank records. I would appreciate it if you could investigate this matter and correct any errors. Its been affecting my credit and my personal capacity to open an account. Your failure to positively verify this account hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.

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 2025-01-07 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: CA

Complaint narrative:
I am writing to formally request further clarification and reinvestigation regarding accounts appearing on my credit report. After previously disputing these accounts and providing supporting documentation, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : XXXXWhat specific steps were taken to verify these accounts? 
2.Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me? 
XXXXWere any third-party databases or external records consulted in the verification process? 

Furthermore, I have been informed by the creditors associated with these accounts that the accounts were actually erroneous. This appears to be a case of erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being. 

Given the severity of this issue, I request that your agency : XXXXConduct a thorough reinvestigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files. 
XXXXProvide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources. 
6.Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, I got an email from Bank of America advertising their credit card with a {$300.00} bonus if I spend over {$1000.00}. I got approved and got the credit card. I spent over $ XXXX which makes me qualify for the {$300.00} bonus. They even got an email telling me I got the {$300.00} bonus. The next thing they did was closed my account and I was ok with that. Now they said because they closed my account, they will not honor the {$300.00} bonus that I was promised. This is a blatant deceptive advertising and a clear bait-and-switch scheme. I was not late on any payment and had full intention of making my monthly payment.

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 2025-01-07 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: TX

Complaint narrative:
I have attempted to address this issue by reporting the incorrect information, which has significantly impacted my personal life and caused me emotional distress. These inaccuracies and fraudulent items on my consumer reports have prevented me from purchasing my dream car and providing for my family. This information does not belong to me, and I never consented to its inclusion on my report. I am a victim of identity theft. I have attached my letter along with the FTC report. If this matter is not resolved appropriately, I will be forced to pursue legal action against your organization.

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 2025-01-07 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information 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 2025-01-07 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: NV

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please 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 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 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 2025-01-07 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted 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 explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I am writing to formally request further clarification and reinvestigation regarding accounts appearing on my credit report. After previously disputing these accounts and providing supporting documentation, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : 1.What specific steps were taken to verify these accounts?

2.Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me?

3.Were any third-party databases or external records consulted in the verification process?

Furthermore, I have been informed by the creditors associated with these accounts that the accounts were actually erroneous. This appears to be a case of erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being. 

Given the severity of this issue, I request that your agency : 4.Conduct a thorough reinvestigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files.

5.Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources.

6.Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

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 2025-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have contacted both capital one several times & received documentation that account # XXXX credit card was in fact reporting to all three bureaus since opening in XXXX I forwarded documentation to XXXX & contacted them disputing account not reporting at least 3 times Account still not reporting. This account is in good standing with XXXX balance Plz report it Additional, capital one absolutely refuses to increase my credit limit after 3 years of excellent payment history All my other cards XXXX XXXX XXXX has increased my limits several times but they refuse despite my excellent payment history with many accounts & fair credit score

Company response to consumer: Closed with explanation