vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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:
XXXX Equifax XXXX i sent police report and ftc reports many times but got refused and error. saying the police report was not honored and that the blocking or the removal of debt was not accurate. I was denied my right to privacy contacted all 3 company about the information that was reported on my credit report with out my knowledge I also let the companies know that I was a victim and I need assistance on my behalf XXXX has a policy where I had purchased insurance from there conpany saying if I was a victim I will get help up to a XXXX XXXX  which never happened and they refused the matter,. I also try to upload documents which they said they didnt received but I know I uploaded documents on each matter with the cfpb they said they didnt receive any information from cfpb complaint.This matter has case me XXXX  XXXX  issues denied loans and etc. I need help with this matter I took legal actions and they still not honoring the ftc reports and police reports I also reach out to actual companies they sent deletion letters and XXXX and XXXX and equifax still not honoring, breaking all my laws to uphold debt in my name illegally. XXXX XXXX XXXX  XXXX {$60000.00} XXXXXXXX XXXX XXXX but they have it at a diffrent amount showed on the reports. see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: MS

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
In XXXX, I opened an account with XXXX XXXX XXXX XXXX, which eventually closed due to me being overdrafted. In XXXX, XXXX XXXX XXXX XXXX began reporting the closed account debt on my Chexsystems, however, when I called XXXX XXXX XXXX XXXX in XXXX to rectify the debt, I was told it was no longer owed. On XX/XX/XXXX, I went to a credit union and attempted open a bank account only to be told that XXXX XXXX XXXX XXXX ( which is now apart of XXXX XXXX  as apart of an acquisition ) is now reporting that I owed them a debt and was denied opening an account at the credit union. 

It took several attempts of research to locate a way to pay XXXX XXXX XXXX XXXX as they are now defunct. I went into a XXXX XXXX  in person and inquired how to pay the debt for their partner company and I was instructed to pay the debt there at the XXXX XXXX, which I did. 

I have continued to try to reach XXXX XXXX XXXX XXXX to get a letter confirming the debt was satisfied and to remove the debt from ChexSystems and any other reporting agencies, but their company has difficult customer service and it has been impossible to get further assistance.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, I opened an account with Bank of the West, which eventually closed due to me being overdrafted. In XXXX, Bank of the West began reporting the closed account debt on my XXXX, however, when I called Bank of the West in XXXX to rectify the debt, I was told it was no longer owed. On XX/XX/XXXX, I went to a credit union and attempted open a bank account only to be told that Bank of the West ( which is now apart of BMO Bank as apart of an acquisition ) is now reporting that I owed them a debt and was denied opening an account at the credit union.

It took several attempts of research to locate a way to pay Bank of the West as they are now defunct. I went into a BMO Bank in person and inquired how to pay the debt for their partner company and I was instructed to pay the debt there at the BMO Bank, which I did. 

I have continued to try to reach BMO/Bank of the West to get a letter confirming the debt was satisfied and to remove the debt from XXXX and any other reporting agencies, but their company has difficult customer service and it has been impossible to get further assistance.

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 2024-07-24 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 received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error XXXX XXXX XXXX XXXX XXXX {$9100.00} XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

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 2024-07-24 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: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error XXXX XXXX XXXX XXXX XXXX  {$9100.00} XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.

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 2024-07-24 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: CA

Complaint narrative:
Checking my credit report, I noticed that the account XXXX XXXX XXXXXXXX is only being reported by Equifax, which is a clear violation of my rights under the FCRA. I have disputed this error directly with Equifax ; however, they have not provided any reasoning or information regarding the case. Therefore, I am filing a complaint to resolve this issue that is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-07-24 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: PA

Complaint narrative:
I recently reviewed a copy on my credit report and noticed, I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2024-07-24 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: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: IA

Complaint narrative:
I keep getting mailings from SoFi, as in pretty much every other day, offering personal loans there is a number at the bottom of their mailing that says to opt out you can call XXXX. When you call that number the very first thing they ask, you is your for is your Social Security number. I want out but will not Provide my Social Security number and they give you no other XXXX  to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
During the last week, I started receiving numerous loan offers from the XXXX website. Today, after great reluctance, I decided to try my luck. I was approved a loan of {$3000.00} after requesting {$5000.00}. I accepted. After submitting my banking info and personal info I was told that I would need a co signer in order to receive this loan. Of course this INFURIATED ME and I refused the loan. I feel that I was discriminated against because of my zip code and ethnicity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-07-24 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: CT

Complaint narrative:
Pursuant to 18 USC, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681B2 company also has no permission to report anything using my info pursuant to 15 USC 1681 B4

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 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Complaint Regarding XXXX and XXXX XXXX to Respond to Initial Complaint within Legal Required Timeframe Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and XXXX regarding their failure to respond to my initial complaint within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve the issue directly with XXXX and XXXX, they have not acknowledged or addressed my complaint within the 30-day period specified under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 

On XX/XX/year>, I submitted a complaint to XXXX and XXXX regarding unauthorized inquiries, identity theft, and inaccurate information on my credit report. Furthermore, I have discovered that XXXX and XXXX have accessed and reported on my credit information for over 10 years without my authorization or knowledge. According to Section 604 of the FCRA, consumer reporting agencies must obtain a permissible purpose before accessing a consumer 's credit report. I did not authorize XXXX XXXX XXXX to use or report on my credit information for any purpose. According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute, consumer reporting agencies such as XXXX and XXXX are required to conduct a reasonable investigation within 30 days, unless they consider the dispute to be frivolous or irrelevant. In my case, both XXXX and XXXX have failed to adhere to this statutory requirement by not responding at all within the specified timeframe. 

This delay has caused significant inconvenience and potential financial harm to me. As a consumer, I rely on accurate credit reporting to secure loans, housing, and employment opportunities. XXXX and XXXX 's non-compliance with the FCRA has directly impacted my ability to manage my financial affairs and protect my creditworthiness. 

Therefore, I request that the Consumer Financial Protection Bureau intervene and take appropriate action against XXXX and XXXX for their failure to comply with federal law. Specifically, I request that XXXX and XXXX be compelled to remove my entire complaint from my credit report immediately, as they have forfeited their right to report it due to their failure to investigate and respond within the required timeframe. 

Please inform me of the steps you will take to address this matter and ensure both XXXX and XXXX 's compliance with federal consumer protection laws. 

Thank you for your prompt attention to this urgent matter. I look forward to your timely response and resolution of this complaint. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
Subject : Complaint Regarding XXXX and Equifax XXXX to Respond to Initial Complaint within Legal Required Timeframe Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax and XXXX regarding their failure to respond to my initial complaint within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve the issue directly with Equifax and XXXX, they have not acknowledged or addressed my complaint within the 30-day period specified under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 

On XX/XX/year>, I submitted a complaint to XXXX and Equifax regarding unauthorized inquiries, identity theft, and inaccurate information on my credit report. Furthermore, I have discovered that XXXX and Equifax have accessed and reported on my credit information for over 10 years without my authorization or knowledge. According to Section 604 of the FCRA, consumer reporting agencies must obtain a permissible purpose before accessing a consumer 's credit report. I did not authorize XXXX XXXX Equifax to use or report on my credit information for any purpose. According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute, consumer reporting agencies such as XXXX and Equifax are required to conduct a reasonable investigation within 30 days, unless they consider the dispute to be frivolous or irrelevant. In my case, both XXXX and Equifax have failed to adhere to this statutory requirement by not responding at all within the specified timeframe. 

This delay has caused significant inconvenience and potential financial harm to me. As a consumer, I rely on accurate credit reporting to secure loans, housing, and employment opportunities. XXXX and Equifax 's non-compliance with the FCRA has directly impacted my ability to manage my financial affairs and protect my creditworthiness. 

Therefore, I request that the Consumer Financial Protection Bureau intervene and take appropriate action against XXXX and Equifax for their failure to comply with federal law. Specifically, I request that XXXX and Equifax be compelled to remove my entire complaint from my credit report immediately, as they have forfeited their right to report it due to their failure to investigate and respond within the required timeframe. 

Please inform me of the steps you will take to address this matter and ensure both XXXX and Equifax 's compliance with federal consumer protection laws. 

Thank you for your prompt attention to this urgent matter. I look forward to your timely response and resolution of this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation