vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: KY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure fair and complete accuracy. 

Here is the item I am asking you to verify as accurate : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: TX

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-06-20 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: FL

Complaint narrative:
On XX/XX/2024 Transunion allowed a duplicitous debt collection company named XXXX XXXX XXXX to put a derogatory report on my credit report. XXXX XXXX XXXX are known for being dishonorable and crooked. I don't even know how they got my social security number because I never had any dealings with them. I paid the debt off with the original " XXXX XXXX XXXX XXXX XXXX '' so XXXX XXXX XXXX should not be on my credit report in any way.

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 2024-06-20 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: TX

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-20 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: GA

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 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 2024-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VT

Complaint narrative:
I have tried multiple times and different ways to access my account but I continue to be locked out. There is a multi-level process for gaining access. First you type in your account info and password, then you need to verify your identity by taking a photo of your driver 's license and a video of yourself and submitting it for verification. It gets uploaded to who knows where and requires 24 hours for someone to review it and send you an email to notify you whether your identity is accepted. Once you receive the email with your identity confirmed, you have 24 hours to sign in with a XXXX digit PIN that they give you. I am very careful to confirm the numbers and letters, multiple times to make sure it is correct. When I go to plug in the PIN, it says it is the wrong one and am sent in a circular reference cycle of either cancelling and starting over or attempting to sign in again. When I seek to find a customer service email or phone number, it brings me to FAQ page, or provides a phone number that gives me the option of either going to the app to FAQ or hang up. No live person, no email support info anywhere on the website or the app. I am left to cancel and start the process all over again, which I have done multiple times. I have not been able to access my account in over a year, possibly two years. By not providing a transparent system for help, it feels very much like a scam, or a way to deter people from accessing their funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-20 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:
I am writing to formally dispute and request the immediate removal of XXXX XXXX from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B. It has come to my attention that information related to XXXX XXXX has been reported on my credit report without my authorization, which is a violation of my rights under the FCRA. According to FCRA Section 605B, it is illegal to report any information on my credit report without my permission.

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 2024-06-20 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: GA

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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On or about XX/XX/year>, I submitted a grievance against SoFi Bank regarding arbitrary limitations on my mobile check deposits and holds on funds without cause or XXXX, having a longstanding account in perfect standing without so much as a single returned check over the course of my banking tenure. After submission of this grievance and engaging local media, I was advised that these matters had been resolved in full only to again encounter said check hold and limitations after another mobile deposit on XXXX XXXX XXXX XXXXXX/XX/year>. 

Please be advised that I wish to speak to SoFi Bank Senior Management on this matter as their scripted emails do not address my concerns, and is simply a scripted response to my request for urgent assistance.

Please be further advised that I kindly request that my communications do not go neglected, as I have several times requested expedient contact via telephone from a senior banking representative to aid in this issues immediate resolution, to no avail thus far.

As noted, my account has been open for several years, and always in perfect standing after my most recent grievance with XXXX XXXX XXXX  and local media in XX/XX/year>, I was u see the advisement that this issue of the arduous and lengthy holds ( as well as deposit limits ) had been resolved. As advised, these sudden and arbitrary limitations greatly impact ones ability to facilitate banking needs, and with my longtime tenure with SoFi Bank, I request expedient remediation as previously requested. As a longtime customer, one should not have to be beholden to a computer system placing extended holds without merit on ones checks and I once again request a point of contact to aid in this and my banking inquiries herein moving forward. 

SoFi Bank regrettably views its customer as nothing more than a number, and refuses to speak to their customers whom are experiencing hardships and profound issues with their account a facet that all future consumers must be made immediately aware of. 

Please note that it is my hope to ensure this matters immediate resolution at this level. 

Kindly escalate this matter for resolution and thank you kindly in advance, to be addressed via telephone as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: GA

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 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 2024-06-20 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: CA

Complaint narrative:
XXXX. THE REPORT OF AN INSTALLMENT LOAN APPEAR ON MY CREDIT FILE. XX/XX/year> XXXX. THE CREDITOR IS MAKING DEROGATORY REPORTS AND DOES NOT HAVE RECEIPT OF MY AUTHORIZED SIGNATURE FOR ANY INSTALLMENT LOAN. 

XXXX. INSTEAD, THE ALLEGED CREDITOR HAS AUTHORIZED THIS INSTALLMENT LOAN THROUGH A NON-JUDICIAL ADMINISTRATIVE PROCESS WITH QUASI-COURT AND A COURT COMMISSIONER. 

XXXX. THE COURT COMMISSIONERS AUTHORITY TO ACT IS LIMITED FIRSTLY BY THE CONSENT OF PARTIES TO ACT. XXXX XXXX. 2024 CALIFORNIA RULES OF COURT XXXX. 

XXXX. THE COURT COMMISSIONERS ARE ALSO LIMITED TO ACT THROUGH THE ADMINISTRATIVE PROCEDURES ACT. AND THE ACT FURTHER DEMONSTRATES THAT A COMMISSIONER MUST HAVE CONSENT OF THE PARTIES FOR THE SETTLEMENT. 

XXXX. A STIPULATION MUST EXIST ON FILE BETWEEN THE COMMISSIONER AND THE PARTIES. 

XXXX. NO STIPULATION EXIST BECAUSE THE XXXX DID NOT HAVE STANDING TO MAKE A CLAIM AND THUS HAD TO HOLD AN ADMINISTRATIVE HEARING BETWEEN THEMSELVES : I REALITY THE AGENCY EXECUTED AND FILED THEIR OWN ORDER WITH MY NAME FORGED UPON IT CREATING THE APPEARANCE OF A JUDICIAL JUDGMENT. 

XXXX. THEY HAD MY NAME AND MY SOCIAL SECURITY NUMBER SO THEY EXECUTED THE ORDER TO CREATE A SECURITY AND NAMED ME OBLIGOR OF THE CONTRACT. 

XXXX. THE CREDITOR NEVER PRODUCED A CONTRACT AND DID NOT PRODUCE THE REQUESTED RECORDS TO VALIDATE THEIR PROOF OF CLAIM. AGAIN, IN VIOLATION OF 5 USC 552 A. RECORDS MAINTAINED ON XXXX SUB SECTION D : ACCESS TO RECORDS. 

XXXX. THE CREDIT BUREAUS ARE BEING DECEIVED BY THE ALLEGED CREDITOR BECAUSE THEY ISSUED THEM AN ADMINISTRATIVE DECISION TITLED MINUTES AND ORDER AS THEIR VALIDATION FOR THE LOAN ACCOUNT. BUT THE ORDER IS NOT VALID ACCORDING TO LAW COURT RULES. 

THE CREDIT REPORTING AGENCY ASSUMES THE ADMINISTRATIVE DECISION IS VALID BUT THEY ARE IN ERROR.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: MD

Complaint narrative:
My account with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 


( XXXX XXXX, XXXX, XXXX, DPT ED/XXXX  ) 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 non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I received a Civil Summons from One Main Financial Group on XX/XX/XXXX from a police officer at my home that me and my husband were being sued for a debt back in XXXX. I have never received any Debt Validation Letter from the company. I reached out to the company via phone and spoke with an agent named XXXX and asked if they could send a Debt Validation Letter and he got quiet for a moment then said he would, but we never received it as of today. I do not even know the account number. They say I owe {$15000.00} which is also inaccurate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 usc 1681 violation.

Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

My name is XXXX XXXX not : XXXX XXXX XXXX XXXX These are not my addresses and I have no knowledge of these addresses. 
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 My identity was stolen and I did not inquire with these companies : 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial 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 2024-06-20 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4

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 2024-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo and/or their agents engaged in intentional UDAAP violations. They filed suit and attempted to serve at an old address for over 2 years. Finally they had the process server leave the summons with the current resident who informed them that I do not live there. The process server said he didn't care and filed a fraudulent proof of service. I was notified of the lawsuit by someone that knows the current tenant of that property and I informed Wells Fargo that I live at a different address in a different county. They did not provide me with a debt validation notice and proceeded with the lawsuit. Now they have a trial date set at a court house in a different county that is over an hours drive from my house. They are intentionally trying to obtain a lawsuit in a deceptive manner by taking these abusive actions. They refuse to offer a reasonable resolution to this matter and are forcing me to prepare for bankruptcy since there's no way I can afford to pay this judgment with my XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: WA

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 non-monetary relief