vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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: NJ

Complaint narrative:
I appreciate your time to REMOVE some of the inaccurate personal information in my file that resulted from an incorrect credit reporting but I still have ITEMS left that needed to be removed. The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that the five ( 5 ) unauthorized inquiries listed were still reporting in my file. The unauthorized inquiries are listed below along with the inaccurate personal information : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal 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 2024-05-17 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: NJ

Complaint narrative:
I appreciate your time to REMOVE some of the inaccurate personal information in my file that resulted from an incorrect credit reporting but I still have ITEMS left that needed to be removed. The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that the five ( 5 ) unauthorized inquiries listed were still reporting in my file. The unauthorized inquiries are listed below along with the inaccurate personal information : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
There are two applications in my name, loan application. Please, I want these applications to be deleted, this spoils my record and two applications have already been made to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I don't recall having a contractual relationship with this collection company CREDIT MANAGEMENT LP # XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NC

Complaint narrative:
I have the court documents stating they do not report to the credit bureaus. That is my proof so remove the XXXX immediately it is a violation under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Received an email on XX/XX/year> with my new balance. Logged into my account to check charges. When I selected statement a pop up came up stating I can get access unless I agree to paperless billing. I contacted them through their live chat and they said even if I signed up I could get statements until next month. This is new and I never received notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: FL

Complaint narrative:
This account has repeatedly been update as charged off every month. as a verify as accurante. 
this company violated my right because this account have to be removed from my credit report immediately I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

ACCOUNT : XXXX XXXX XXXX  ACCOUNT # 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 explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: FL

Complaint narrative:
I requested relief during the Covid 19 Pandemic with American Education Services and was told that my loans did NOT qualify for relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had fraudulent activity on my c.c. cards and my identity stolen back in 2021. I have worked with the 2 c.c companies to resolve the situation. 2 of the banks have turned me over to collections. I have resolved one of the accounts- XXXX 's paying the portion of the charges that were mine. They still put interest and late fees on the card which I have rightly refused to pay. The payments were made to the collection company, and a balance of {$2500.00} and change still shows on my credit report. This is totally inaccurate as the agreement with the collection people was less than that. So totally wrong info. U can see up until I had my identity theft my credit was impeccable. There are two issues - this XXXX and XXXX other one with XXXX I am trying to resolve and getting nowhere. All of my money was stolen out of my bank account along with the fraud charges on these c.c. cards and I am getting no help with anyone. I am a sovereign being and my rights have been stripped from me along with being overcharged by banks with their interest rates and false charges they just apply. I am asking someone to look into this, see that I have had great credit until evil entered my world, took my $ $ and charged things on my c.c ; s that I did not. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: IL

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my 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 non-monetary relief
Consumer complaint received 2024-05-17 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: IL

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my 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 2024-05-17 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:
I understand that FCRA XXXX requires the removal of any erroneous accounts from my credit report. Can you please verify the documents? Some accounts have been inaccurately reported, with incorrect amounts and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: FL

Complaint narrative:
Please eliminate these inquiries. I have no information about them, and they were conducted by the company without my approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: AL

Complaint narrative:
I've reached out to the bureaus XXXX on XX/XX/2023 trying to update my information because it was some fake XXXX and fake names on my report along with addresses Experian refuse to correct my information. on XX/XX/XXXX I sent certified mail to the company and bureau pertaining to the alleged account that the original balance was {$8300.00} but has been written off and sold for {$7900.00} I then asked for their right of ownership, the original contract the validity of the debt. and I received no information after XXXX  days. I had to call in they stated they sent it to email, and I searched and never found it. I requested that all results be sent to me through mail. In the letter I also included a copy of my credit report with the inaccuracies highlighted and stated that according to the FCRA that their job is to report XXXX XXXX accuracy & XXXX they're suppose to provide the information requested for the validity and they just sent it back as verified with no removal or updated information which violated the federal law. Also spoke with a representative on XX/XX/XXXX I want to say, he stated that he seen the inaccuracies I mention as we discussed it verbatim on the call and stated he can submit another dispute for me on their end. I asked him " so if you see the inaccuracies then why are y'all willing reporting it to my credit ''. He then stated " well it falls of in XXXX anyways ''. So, to know they are willingly and purposefully reporting that damage on my credit & defaming my character. Also prevented me from being able to buy my house and obtain funding

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: IL

Complaint narrative:
To whom this may concern, I am a victim of identity theft and have reached out to your company as well as the original creditor several times. I have done much research on consumers ' rights as well as contacted an attorney regarding this matter. 
In accordance with the Fair Credit Reporting Act, The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A creditor 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. In accordance with the Fair Credit Reporting act, by rights have been blatantly violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I have no knowledge of these companies and they should not be reporting as I never gave permission for the reporting per Section 1681a : XXXX XXXX XXXX XXXX XXXXXXXX XXXXg opened XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX account : XXXX XXXX XXXXXXXX XXXX opened XXXX account : XXXX XXXX XXXXXXXX XXXX opened XXXX account : XXXX XXXX XXXX opened XXXX I am demanding that these fraudulent and unauthorized accounts are removed from my credit report. I have no knowledge of such accounts and also have not given written consent to report them per Section 1681a of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: MO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that 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 any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/22. I'm now requesting you investigate the XXXX XXXX XXXX  account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: MO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that 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 any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I'm now requesting you investigate the XXXX XXXX XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/2024 I was contacted by XXXX from the internal review team. To talk about my account I wasnt able to answer so left voicemails. We was able to communicate on XX/XX/2024 about my account restrictions. I informed him of the reasoning why my check was returned was do to the information from a SoFi agent. During the conversation with XXXX I was informed by XXXX to clear up the account he would place a restriction on there in order to deposit the funds to clear the negative balance. After the balance clear. The restriction would be lifted. I had direct deposit on XX/XX/2024. I later called to have the restriction lifted like instructed. I was informed that it would not be done and I can not recieved my funds from the account. I asked agent XXXX  among others they told me that no note was placed on the account. By XXXX on XX/XX/2024 cause of the instructions I deposited my entire income. This result in major loses for me cause I can not lose my funds. promised my account would be fully active.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: FL

Complaint narrative:
all these hard inquiries I dont recognize AND REPORTED : -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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Date : XXXX Experian Response below : A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 
XXXXXXXX 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 2024-05-17 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: TX

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XX/XX/XXXX 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 explanation