vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have notified your office multiple times about inaccurate accounts in pending litigation on my credit report, but I am still waiting for action.

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 2024-11-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: T.S. Holdings
State: VA

Complaint narrative:
iq data international reported false and inaccurate information on my credit report which affected my credit badly and my moving history. I sent out a validation of debt letter to them on XX/XX/year> which allowed them XXXX days to respond on how they got that information how it was calculated and where it came from. I also reach out to each credit bureau to remove this and was denied I started getting calls from the debt collector after request of no contact until letter of validation was sent. I sent a letter on XX/XX/year> asking each credit bureau to remove this debt as it wasnt validated and not even XXXX days later they claimed they did an investigation and it was verified. I sent another letter asking how they verified this information and have yet to receive anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-11-14 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I recently submitted a report aiming to clarify incorrect information sent by the credit bureau to my email. I am writing to dispute an error on my credit card statement formally. Although I requested additional investigation into the matter, it seems to have been overlooked. Please provide prompt attention to this dispute and send a confirmation receipt to keep me informed of progress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: MI

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to dispute an item on my credit report that I believe to be an error. The item in question is as follows : Creditor Name. 

Nature of Dispute : Unauthorized Inquiry I did not authorize the inquiry by [ XXXX ], which is reflected on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only authorized inquiries are reported on my credit file. 
I kindly request that you investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please provide me with written confirmation of the actions taken to rectify this error. 
I understand that the FCRA mandates timely resolution of disputes. Therefore, I request your immediate attention to this issue. 
Thank you for your assistance in resolving this matter. Please send your response to the address provided above.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MN

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request the blocking and permanent deletion of specific accounts and inquiries from my credit report due to a recent data breach that has compromised my personal information. 
I am a victim of identity theft and, as such, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have all fraudulent information removed from my credit file.

Please block and delete the following accounts and inquiries from my credit report : Accounts to Be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Inquiries to Be Removed : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My husband is deceased and the mortgage was in his name. I am his wife and I have been paying the mortgage regularly on time. 
In XXXX I was told that I could pay my mortgage in XXXX twice per a month. I did do that and since that time it has been a nightmare with 5/3 BANK. They returned ONE of the two halves of the payment. 
They will not accept ANY NEW PAYMENTS from me even when I want to pay off the amount that is past due in full They will not speak to me because my husband is deceased. 
They have placed 2 of my payments in UNAPPLIED CREDIT XXXX XXXX They need to move this money from UNAPPLIED CREDIT and tell me how much more I need to pay in order to even out this mortgage. 
My calculation is XXXX Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services LLC. 

I want to formally address a series of concerns regarding my ongoing disputes with Equifax and the unacceptable handling of my case. Despite my repeated attempts to resolve these matters, I have encountered significant delays, miscommunication, and an overall lack of professionalism in your handling of my account. I am deeply frustrated by the disregard for both my time and my rights as a consumer. 

I have diligently followed the instructions provided by Equifax and submitted all requested documentation, including supporting evidence of fraudulent inquiries, via certified mail to your XXXX XXXX XXXX and through the Dispute Center on your website. However, I have not received proper acknowledgment or resolution. According to USPS tracking information, the certified mail has been successfully delivered, but I have been repeatedly informed by different agents that my documents were either not received or were disregarded due to issues with verifying my identity, despite providing valid documentation. 

Furthermore, I have experienced inconsistent and contradictory statements from Equifax representatives. On one occasion, I was informed that my dispute was being evaluated, only to be told days later by another agent that my documentation had never been received. Additionally, I was told that my Social Security card, which is marked " for work only, '' was insufficient proof of my identity, despite this being an official government-issued document. This response is not only illogical but also discriminatory and disrespectful. 

What is even more concerning is the apparent alteration of my name on your records without any valid explanation. Equifax has added suffixes to my name that have never existed, further complicating the situation and raising doubts about the accuracy and integrity of my credit file. 

I find it unacceptable that Equifax, as a leading credit reporting agency, is failing to uphold its responsibilities to consumers and is not acting in accordance with the law. Your lack of transparency and unwillingness to assist in resolving these issues has caused me undue stress and frustration. 

I respectfully request that this matter be escalated and given the serious attention it deserves. I expect prompt action to correct the inaccuracies on my credit file, resolve the fraudulent inquiries, and address the mishandling of my disputes. If this issue is not resolved within a reasonable timeframe, I will be forced to explore further legal options to protect my rights and seek compensation for any damages caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: RI

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I received an alert on my phone about a collection being added to my consumer report by a company named IC SYSTEMS INC for a sum of {$750.00}. This company never contacted me by phone or through mail correspondence and took it upon themselves to report this collection on my consumer report. I called both XXXX and IC SYSTEMS INC to make them aware that this collection is NOT mine and that I disputed it before with the previous debt collection company named XXXX XXXX XXXX, who I sued and won and I sent them proof that I never lived at the address where the debt originated from. I had a Fraud Alert for 2 years on my consumer report during this time and yet they still have not removed the collection.

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 2024-11-14 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
this company is reporting fraudulent inaccurate Information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Hi, Last week I deposited a check to my SoFi account. The check was due to clear the account today, XX/XX/XXXXXXXX XXXX 

When I logged on to my sofi account this morning, I noticed that the check had posted to my account and subsequently been reversed. 

I asked Sofi customer support for assistance, and they told me that the person who wrote the check had stopped payment on the check. 

I was not aware payment had been stopped, and Sofi suggested I contact the sender of the check, which I plan to do. They also, bizarrely, told me check deposits needed to be in excess of {$500.00} which sounds very strange to me. I've never had a problem depositing small amounts in the past, and that's not normal for a bank to prohibit transactions under {$500.00}. 

At XXXXXXXX XXXX someone from Sofi called and left a message. I was not available, but called back at XXXX. 

According to the representative I spoke with : 1. My account has been frozen, and placed on " restricted '' status.

2. A " specialist '' is investigating what happened 3. They are unable to give me a timeline for when my account will go back into normal status.

4. They threatened to close my account if someone stops payment on a check again. 

I find all of this bizarre. If someone writes a check to me, my presumption is that the check is going to be good. If they stop payment or have insufficient funds, that is the fault of the check writer and not the depositor. 

I therefore am frustrated that my account has been frozen. 

I am not getting paid for a few days so there is not much money in the account, and it's not a big deal. However if Sofi randomly chose to freeze my account after I got paid, when my bills need to post, I would be in deep trouble. 

I asked to speak to a manager and was informed no manager was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit on my Experian Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable processes to assure maximum possible accuracy of the information concerning th individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness off the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: MD

Complaint narrative:
Someone has used my information and applied for these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
this company is reporting fraudulent inaccurate Information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I had been calling Capital one over and over again about releasing my money they had on hold for several weeks and kept getting the run around and different stories. They kept talking like bots repeating themselves and brushing me off not helping me at all. Hanging up on me and transferring me numerous times. They really frustrated me so badly and disrespecting me so i had a few choice words of course after all the disrespect for days. I found out on XX/XX/year> they closed my checking, capital one quick silver and the savor they just gave me. All of these were on auto pay and it shows paid on time and they closed them all for language used not even taking in consideration how i was treated for days. Then send me a letter talking about what i still owe and in the future... they are saying basically " learn how to talk to people '' like I'm a kid. WOW!! now my credit will look bad. HELP ME PLEASE! I hear you cant even do an arbitration with them. This is so unfair and childish, didn't even realize this was a thing.

Company response to consumer: Closed with explanation