vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I request that the XXXX XXXX XXXXXXXX credit card account be deleted, due to the rights I have as a consumer, since this account is affecting my personal credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
I request that the XXXX XXXXXXXX XXXX credit card account be deleted, due to the rights I have as a consumer, since this account is affecting my personal 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 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MARINER FINANCE, LLC
State: LA

Complaint narrative:
XXXX {$2400.00} I explain that I go to pay in part but the ask me to pay the total they don y want to accept payment they want me to pay th total by XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: EQUIFAX, INC.
State: AL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry 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 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
At the beginning of XXXX, I was charged XXXX for XXXX I didnt recognize this charge so I disputed it with my bank and they denied it for reasons unknown a couple months went by and {$110.00} was taken out of my account for the same charge Same Merchant, I called the merchant work with them and we came to the conclusion that I was not reliable for the funds so they issued a refund. I never received any of this money so I spoke with XXXX a couple times and they stated that the bank did a charge back on the XXXX on XX/XX/XXXX at XXXX XXXX which I never received the money back from to this day and they refused that they have it or had anything to do with it. They deny any involvement still waiting on the refund. Still waiting on the refund for the one XXXX, which they also denied dispute wise. They cant be investigating these disputes. The merchant itself reverse the charge yet theyre denying a dispute so what kind of investigation are they doing? They couldnt have contacted the company the merchant because they wouldve told them that they had already reversed it. I dont believe these disputes are done or investigated properly at all ever I sent in the paperwork that I received from XXXX stating they did not hold me liable for either charge and they still denied the dispute, so they clearly did not have any communication with XXXX at all so what kind of invasion investigation was done? I did all the investigating I dont get paid for it. Im around everything to take money out of my bank account. I dont feel safe. They cant even track down any refund that was done and when they did charge themselves, their service is terrible. They dont know whats going on. Theyre rude. Theyre not knowledgeable at all and there they always want to be done real fast. They try to tell you whatever you wan na hear and then theyre gone. They dont spend any time listening to you disputed wrong amount wrong places, because they have not paid attention to what I was saying if they werent such a hurry, maybe they Would have understood where I was coming from they refuse to provisional credit they refused to dispute they they left me with XXXX funds after I disputed this first one they still allowed the same company to take {$110.00} out which is beyond me. I just want my money back so I could close this account. I also has fraud on here. Ive received a letter that someone is attempting to change my address and disputes that I never even Filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: WA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove 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 explanation
Consumer complaint received 2024-06-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I file a complaint with Experian through the CFPB concerning unauthorize use of my consumer report. Experian responded in under 24 hours that the inquiries are Factual even though I gave proof that I only authorized XXXX ( XXXX XXXX ) to obtain a consumer report. Again! look at the documents I've uploaded for your investigation instead of E-Oscar or my mailing address. Remove these inquires immediately, I've suffered greatly because of your negligence. I have also uploaded my FTC identity theft report ( XXXX ) for your investigation. Remove the following Inquiries below. 
1. XXXX XXXX 2. XXXX XXXX CFPB Complaint # 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 2024-06-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity which is considered to inaccurate. 
Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries on my credit report and inaccurate information on my account. This information needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing with grave concern over the continued presence of fraudulent, inaccurate, and misleading information on my credit report, despite my numerous efforts to have it corrected. The existence of these erroneous entries has severely impacted my life, causing significant stress and XXXX. I must emphatically reiterate that I am a victim of identity theft and never authorized or consented to having this fraudulent information associated with my name and credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
In XX/XX/XXXX this writer Leased a new XXXX XXXX XXXX from Ally Financial. In XX/XX/XXXX we weren't decided on whether we were going to purchase the vehicle or not, so this writer contacted Ally Financial and requested a Lease extension. The Lease extension was granted and lasts until XX/XX/XXXX. We have now decided that we want to purchase the vehicle and applied for a Loan. The loan was authorized but the rates were very high, despite this writer and wife both having very high credit scores : credit scores that we worked 30 years to create. During the loan this writer contacted the bank ( XXXX XXXX XXXX ) to ask why our rates were so high. The bank reported that Ally Financial had recently reported to all 3 major credit bureaus that this writer was " late more than 30 days on a recent payment. This writer contacted Ally Financial to identify if a mistake was made and it was identified that my payment history was perfect and in fact that Ally owes money back to us for overpaying. I spoke to everyone I could to get this rectified and I was informed by Ally that it could not be rectified and that " Im sorry it must have been an error. '' Ally informed this writer that we had to report to CFPB to get corrected.

I have included a copy of payment history.

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 2024-06-17 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: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-17 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: MN

Complaint narrative:
XXXX In accordance with the fair credit reporting act. Public law 91-506. Title v1 Provide the names and business of each individual with whom you verified the account with. Please send an updated copy of my credit report after your reinvestigation. 

the account has repeatedly been updated as charged off every month. The balance has been updated This is an update in the payment history. A charge off should not include an active payment history. This inaccurate information falsely manipulated the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following my accounts. 
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 2024-06-17 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: NY

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-17 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Andrews & Cox, P.C.
State: TN

Complaint narrative:
Postmarked XX/XX/XXXX, a letter from Bleeker Brodey & Andrews ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, XXXX, XXXX  ) was mailed to my father 's home, addressed to me, stating they are trying to collect a debt that I owe to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. The first page states an amount of {$3000.00} is owed as of XX/XX/XXXX. It states to " see separate page for itemization. '' The second page includes a header, " summary of accounts '' with details below on two rows : account number ( XXXX and XXXX ), balance, defendant ( first and last name ), loan date, and last pay date/if any. There are two balances listed : {$3000.00} ( as referenced on the first page ) and {$2100.00}. Both have a loan date of XX/XX/XXXX and a last pay date of XX/XX/XXXX. 

I have never rented anything from XXXX XXXX nor any rental place of the sorts. I have never received any communication of any kind about this " loan '' prior to this letter. I am left to believe this company is fraudulently targeting me. Therefore, I am reporting the incident to CFPB and will not respond to the company in an effort to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I received a hard inquiry alert from XXXX this morning dated XX/XX/XXXX that CB Indigo Bank had contacted all three credit bureau. Their address is po box XXXX XXXX, Oregon XXXX Phone Number XXXX. 
When I called the number, a recording asked for my Social Security number. I did not give them any information. I have been on XXXX for XXXX since XX/XX/XXXX. I have no outstanding bills whatsoever and there would be no reason for this place to be contacting me. When I refused to give my Social Security number, the recording said they were a debt collector. I hung up the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: CA

Complaint narrative:
I am very upset. My credit report contains inaccuracies and incomplete information. 
My request to correct this information keeps getting disregarded and my credit score is unfairly affected.

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 2024-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
Mariner finance is reporting inaccurate incomplete and unverifiable information to XXXX and XXXX concerning my credit report and without my written nor verbal consent which is a violation of the FCRA consumer law 15 USC 1681 ( a ) ( 1 ) and 15 USC 1681b ( a ) ( 2 ) furthermore 15 USC 6802/15 USC 6801.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: MS

Complaint narrative:
15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief