vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: VA

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 non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AXOS FINANCIAL, INC.
State: MA

Complaint narrative:
I was receiving statements in the beginning and then I didnt receive anything I made a phone call in XXXX on XXXX and they said your all set no payment due till XXXX ok but I never got a statement. Why is there no payment due. No answer. This goes on till XXXX they refuse to send me statements. Can not get payment history from on line website. I was paying more than the scheduled monthly oayments still with no breakdown of Balance. In XXXX of XXXX I was given a bal to pay off on XX/XX/XXXX I logged on to my account and the balance owed was still XXXX a check was mailed. They didnt post my payment till XX/XX/XXXX. Because they tried to with draw for funds from my account after I had asked for them to stop. I was unable to over night a payment cause they have a XXXX XXXX XXXX 
I have paid this account in full and in good faith. 
I do not owe them any more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NH

Complaint narrative:
On XX/XX/2024, ( CFPB Complaint XXXX XXXXXXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.

2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NH

Complaint narrative:
On XX/XX/year>, ( CFPB Complaint XXXX XXXXXXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.

2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card XXXX  account under an open end consumer credit plan as late for and purpose.

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 2024-11-06 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: IL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for and purpose.

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 2024-11-06 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:
Dear Transunion, please help me my identity has been stolen from me and used in such a horrible way. I was left with so many inquiries and collections that doesn't belong to me. I am asking that I can receive help I am a mother of XXXX and a XXXX XXXX this is so unfair to me to have 19 inquires with 5 collections that I never consent of opening.

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 2024-11-06 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: CA

Complaint narrative:
I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. 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 2024-11-06 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 contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX Ct, XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX Ct, XXXX XXXX XXXX, NV, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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:
Equifax I am facing identity theft I am asking that you guys can please help me. As of right now I am not aware of who's responsible for my report being messed up. I have over XXXX inquires I never authorized and collections. I am asking that you guys help me remove all of these inquires and collection and to help update me on what's the next step of blocking this from happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: CT

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These inaccuracies are significantly affecting my life and credit health.

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 2024-11-06 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion is reporting accounts that are more than XXXX years and should be deleted from report. I have included the contract I made with a debt consolidation company in XXXX  which shows the last activity was XXXX of XXXX  and all the accounts that were enrolled and are more than XXXX  years and should not be reporting. XXXX and XXXX both deleted the incorrect information. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX that have to deleted

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 2024-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In the past couple of weeks Synchrony Bank has closed both my XXXX card and my XXXX XXXX card. Both accounts have never had a missed payment and were always paid on time. The XXXX XXXX card has recently been paid off and had {$1000.00} available balance ( the full amount ). My XXXX card had started with a {$1000.00} limit and was then reduced to {$800.00} without notification and then closed even after making all payments on time. I owed just over {$600.00} on that account. I was never given notice and the reasons sited were me being a risk of failure to pay which if you look at my credit report I have a flawless payment history on all of my accounts. I am just baggled as to why they did this and don't think it's right to close accounts without valid reasons.

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 2024-11-06 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: MI

Complaint narrative:
To ensure the authenticity of the complaint and protect against fraudulent submissions, the CFPB needs to confirm the identity of the person submitting the complaint.

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 2024-11-06 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 dispute the reporting of a late payment on my credit report. I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

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 2024-11-06 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: Nelnet, Inc.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Notice to Sue for Inaccurate Reporting of Nelnet XXXX XXXX XXXX Account Dear XXXX XXXX Department, I am writing to formally notify you of my intent to take legal action against XXXX XXXX XXXX XXXX due to your continued failure to accurately report information on my credit report, specifically related to my Nelnet / Dept. of Education accounts, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

Despite submitting multiple disputes, your company has failed to correct damaging and inaccurate remarks associated with the following student loan accounts : Account : ***** with a balance of {$4700.00} ( as of XX/XX/year> ) XXXX. XXXX  XXXX / NELNET Account : {$2100.00} and {$2500.00} in good standing XXXX XXXX. XXXXf XXXX : Closed Summary of Events : XXXX. I have formally disputed the inaccurate and damaging remarks regarding my Nelnet / XXXX. XXXX  XXXX accounts several times, beginning with a dispute in XX/XX/year> and subsequent disputes. 
XXXX. Despite providing clear evidence, XXXX has continued to allow inaccurate remarks, such as references to Bankruptcy XXXX XXXX and Student loan - payment deferred, to remain on my credit report. These remarks were removed between XX/XX/year>, and XX/XX/year>, yet inaccurate remarks were added again between XX/XX/year>, and XX/XX/year>, causing further damage. 

XXXX. The failure to correct these errors has caused a total credit score reduction of XXXX points, comprising an initial XXXX drop and a recent XXXX drop. 
Violations of Federal Law : XXXX is in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) for failing to conduct a reasonable investigation and for neglecting to correct inaccurate information on my report. This has caused me significant financial and emotional harm, including being denied credit and facing higher interest rates. Additionally, the repeated reporting of incorrect information after disputes constitute a willful violation of the FCRA ( 15 U.S.C. 1681n ), exposing XXXX to potential statutory, actual, and punitive damages. 
Legal Demands : XXXX. I demand the immediate and permanent removal of all inaccurate remarks related to my Nelnet / XXXX. XXXX  XXXX accounts from my credit report. 
XXXX. I seek monetary compensation in the amount of {$50000.00} for damages, including financial loss, emotional distress, and psychological harm caused by your companys negligence. 
Failure to address and resolve this matter within XXXX business days of receiving this letter will result in legal action against XXXX. I will also seek attorneys fees and any statutory damages allowed under federal law. 
Please direct all correspondence related to this matter to my address above or contact me at. 
Sincerely,.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Galaxy Capital Acquisitions, LLC
State: FL

Complaint narrative:
This serves as a formal dispute regarding the debt listed on my credit report, which I believe is inaccurate and not owed by me. I did not give permission for my personal information to be sold and shared to a third party. They need to validate this debt. I need the original creditor 's name and contact information, the account number, the total amount owed, and the date of the last payment. They must show proof of the bill of sale and purchase agreement. They must also stop contacting me repeatedly to collect this debt they do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NH

Complaint narrative:
On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : XXXX. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law. 
XXXX. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.

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 2024-11-06 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I am filing this complaint regarding Equifax 's severe violation of FCRA 605B requirements regarding identity theft blocking procedures. 
Timeline of Critical Events : XX/XX/2024 : Submitted comprehensive identity theft dispute package to Equifax by XXXX XXXX Mail. 
XX/XX/2024 : Equifax opened/received the dispute XX/XX/2024 : Dispute remains in " submitted '' status only - investigation has not even begun No blocking action or decline notification received Egregious Violation of FCRA 605B : The law requires Credit Reporting Agencies to take XXXX of XXXX actions within XXXX business days : Block the disputed information, OR Decline to block and notify the consumer of the reason Equifax 's Current Status : According to Equifax 's own system, the dispute remains in " submitted '' status Investigation has not even been initiated after XXXX  days No blocking action has been taken No decline notification has been received No communication about the status of the block request The fraudulent information remains visible on my credit report This complete inaction represents a particularly serious violation of FCRA 605B, as Equifax has XXXX Failed to meet the XXXXbusiness-day requirement Failed to even begin investigating the identity theft claim Provided no explanation for their inaction Left fraudulent information active on my credit report The disputed fraudulent information includes : Original Creditor : XXXX XXXX Debt Collector : XXXX XXXX XXXX Amount : {$710.00} Documentation Previously Provided : Valid government-issued identification Official FTC Identity Theft Report Written statement identifying the fraudulent information Complaint to XXXX  XXXX of XXXX XXXX XXXX that the XXXXrmation does not relate to my transactions Explicit request for information blocking Additional Ongoing Issues : Unauthorized Extended Fraud Alert remains on file Credit applications continue to be denied Financial hardship persists due to Equifax 's complete inaction Impact of Violations : Financial Damages : Unable to access credit Continued damage to credit standing Potential lost opportunities due to credit denials Procedural Violations : Complete failure to initiate investigation Violation of mandatory XXXX-business-day requirement No notification of block status No explanation for lack of action

Company response to consumer: Closed with explanation