vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed has violated my rights. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX  XXXX  XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belongs to me. 

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 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have asked Transunion for months now to investigate several accounts on my credit report. They are ignoring me and sending me a letter stating they need information that I have already sent several times. At this point, I believe they are not being professional and taking my life as a joke. I am currently homeless and have nowhere to stay and cant get a job because of my credit report. I am stressed out and on the verge of doing something that I think I will regret. My character has been deformed and my status as a human has diminished. They have broken more than enough laws for me to go to court and sue for defamation of character and violation of the FRA. It has been over six months without a response from XXXX. I need these items removed from my credit report immediately so I can get back to being the man that I used to be and providing for my kids, which I havent seen in six months because of my circumstance. Please help me as Ive already stressed this to Transunion with no reply. 

Accounts : Remove and BlockXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiries : DeleteAll inquiries..I do not recognize any of them. 
Update : XXXX XXXX late payment as current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I agreed a settlement with American Express and I need to show on my credit report the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I am completely confused as to what is going on! This is in regards to " Student Loan ( s ) '' that is apparently, now in " Default '' and has been put on my Credit Report. Prior to the Pandemic, the government KEPT my Tax Returns ( XXXX, I believe ) which, I was fine with. When the tax returns were kept, I was NO LONGER in debt. Then, during the Pandemic, I received a check for appr. {$900.00} stating that I " over paid in interest ''. Well, I therefore did " whatever '' w/the funds, as I was NOT working due to my work closure. I have submitted things to the Federal Government a a couple of occasions W/O response. I have now received a message from a Credit Report stating that my Credit Score has DROPPED OVER XXXX pnts!! From what I am able to tell, this is over a few XXXX dollars? I am beside myself that someone is ruining my life over this. UNACCEPTABLE! 

Unfortunately, looking at the site, it is VERY CONFUSING. 

PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from 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 explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I made a {$2000.00} payment to a new loan with Sofi Bank. 

The payment showed applied, It was subsequently sold to XXXX XXXX several weeks later without notice. 

XXXX did not take the XXXX payment and Sofi held the payment, To this day I have contacted Sofi, specifically the lender XXXX at Sofi, and been instructed their isnt anything they can do. They say it will essentially fix itself. 

I have never been refunded the {$2000.00} or had it applied and interest adjusted as it should have been since they have had it completed since XX/XX/XXXX. 


Instead Sofi is trying to steal the {$2000.00} and XXXX XXXX refuses to get involved saying its on Sofi they have no responsibility as a loan purchaser. 


XXXX just called XX/XX/XXXX saying he doesnt want a complaint against him and he recited disclosures as if it is my fault for making a payment because at sometime in the future they may sell alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been trying to get the Derogatory off of my credit report for months. I have sent in disputes and nothing has changed. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is trying to collect on debt not owed. My consumer report showing this company XXXX XXXX XXXX reporting write-off, profit, bad debt, loss, which XXXX consumer XXXX got a tax write off, the company owes me a XXXX. I did not receive a XXXX. I can report to the IRS suspicious of fraud, the account # XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S code 1635 15 U.S Code 1681e ( b ) This account should not bylaw be on my consumer 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 2024-11-06 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 accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Management Services, Inc.
State: KS

Complaint narrative:
I received summons for court after a XXXX month hospital stay. Unknown who the collector was and no communication, I was advised the only way to stop the court would be to pay. XX/XX/year> I blindly submitted a cashiers check to the company and copied all to the court system and judge. I was never provided documentation until after they received my payment. The company seemed to not know how to file insurance properly. The company was not allowing me anytime and was threatening judgement against me if not paid. However you will see by the attached EOB the original company was sent an additional payment which covers the amount in full. My cashiers check was sent XXXX XXXX with a request for the statement. The are now holding my funds that were not needed as XXXX has paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date XXXX Balance Owed : {$1700.00} -Charge Off XXXX XXXX XXXX Date XXXX Balance Owed : {$46000.00} -Charge Off XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$9400.00} -Charge Off XXXX XXXX XXXX Date XXXX Balance Owed : {$4200.00} XXXXCharge Off XXXX XXXXXXXX XXXX Date XXXX Balance Owed : {$7400.00} -Charge Off XXXX XXXX Date XXXX Balance Owed : {$0.00} -Late/Closed XXXX XXXX Date XXXX Balance Owed : {$2300.00} -Charge Off XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To whom this may concern this is a third and final attempt to get a cure. I sent your company CAPITAL ONE a letter XX/XX/XXXX, XXXX and XX/XX/XXXX that you are violating my consumer rights, breaking the FDCPA and the FDCRA. I have complied with all the information you requested. 
As defined by the IRS. 
The IRS clearly defines a charge off as gross ordinary income. INCOME DOESN'T GET REPORTED ON YOUR CONSUMER REPORT which in fact makes your reporting of this account inaccurate. 
By definition the IRS clearly says a cancellation or charge off is income. The reporting of this account as debt is inaccurate. 
15 usc 1681 s-2 says your company is a furnisher of information to a consumer reporting agency. 
You are prohibited by law to furnish inaccurate information, I demand you to cease and desist reporting of incorrect/ and inaccurate information immediately to all three credit reporting agencies XXXX XXXX and XXXX XXXX 
15 usc 1681 s-2 ( a ) ( XXXX ) ( a ) You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. 
. 
The above paragraph is taken directly from the IRS publication, filing a XXXX turn a debt into gross ordinary income as stated by IRS 15 usc 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors Even if you did not receive a form XXXX, you must report canceled debt as gross ordinary income on your tax return

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( XXXX ), 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( XXXX ), 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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