vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
They are still showing XXXX XXXX XXXX on my account and this account does not belong to me

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 2024-12-30 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:
They are still showing XXXX XXXX XXXX on my account and this account does not belong to me

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 2024-12-30 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: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Moore Law Group
State: AZ

Complaint narrative:
I believe the account is invalid. THE MOORE LAW GROUP, A PROFESSIONAL CORPORATION needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

THE MOORE LAW GROUP, A PROFESSIONAL CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Sir/Madam, I am writing this letter to formally dispute the validity of a debt that you claim I owe. I received a collection notice from your organization asserting that I owe a debt related to Account No. 

1. Verification of the Debt : Please provide a detailed written statement, including the original creditor 's name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor. 

3. Full Account History : I would like to receive a complete account history of all statements and transactions related to the debt. 

4. Copy of the Agreement : Kindly provide a copy of the signed contract agreement, if applicable, that demonstrates my obligation to pay this 5. Documentation on Your Licensing : Please furnish me with your age licensing and registration information, as required by the relevant state laws. 

Please consider this letter as a formal dispute of the debt, and I kindly ask you to respond to this dispute in writing within 30 days of receiving this to provide the requested information within this time frame will be a violation of the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/2024 my domestic partner 's employer made a routine direct deposit into my SoFi checking bank account. This was a mix up in bank account numbers between our accounts. This was in the amount of {$3300.00}. On the same day, I sent {$3.00} to my domestic partner 's SoFi checking account as a test, and then I sent {$2900.00} again after confirming receipt, as this was the max amount available to send in one day. On the next day XX/XX/2024, I was locked out of my account and completely unable to view any account information. 

On XX/XX/2024, I called the SoFi security team to provide information and fix the issue, and the representative said that he had no information he was able to give me, but he would escalate the issue. There was no time frame provided, and I am locked out of accessing the remaining money in the account. 

As of XX/XX/2024, this issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-30 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: MO

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-30 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:
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 2024-12-30 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-30 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:
Subject : XXXX XXXX - Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX I fowarded correspondence to your attention for the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report. To date, the below information remains on my credit report. This is a violation of the law. I am writing to formally request, for the XXXX XXXX, the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Experian data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX : Account Name : XXXX Account Number : XXXX Date Opened : XXXXAccount Name : XXXX Account Number : XXXX date opened : XXXX per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CT

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-30 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: KY

Complaint narrative:
I am sending to formally dispute the inaccurate or misleading information on my credit report. Specifically, I request the removal of the following inquiries, as I did not authorize these lenders to make any inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
I am writing to formally request further clarification and reinvestigation regarding accounts appearing on my credit report that I believe do not belong to me. Specifically, I am disputing the following accounts : After previously disputing these accounts and providing supporting documentation, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : What specific steps were taken to verify these accounts?

Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me?

Were any third-party databases or external records consulted in the verification process?

Furthermore, I have been informed by the creditors associated with these accounts that the accounts were mistakenly merged with information belonging to another individual. This appears to be a case of mixed credit files or erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being.

Given the severity of this issue, I request that your agency : Conduct a thorough reinvestigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files. 
Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources. 
Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

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 2024-12-30 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: PA

Complaint narrative:
XX/XX/XXXX I discovered on my credit report a fraudulent XXXX XXXX XXXX account in the amount of {$4300.00} that began on XX/XX/XXXX. I filed an FTC report reporting this fraudulent account to Experian, XXXX, and XXXX. All XXXX credit reporting agencies removed this fraudulent account from my report. this inaccuracy was reinstated on my report in XXXX. 
I again disputed this fraudulent account with the XXXX credit reporting agencies requesting proof of an agreement creating a debt between XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX Accordingly, the credit reporting agencies nor XXXX XXXX XXXX were able to do so because such agreement does not exist. The account in question is claimed to belong to my father XXXX XXXX not me, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX sent a letter to my father, XXXX XXXX XXXX that they confirmed statements were mailed to the address that was provided for this claim and payments have been made on the account and that they were unable to approve the claim. I then filed another FTC report describing the same fraud information report that I submitted in XXXX, and resent a dispute letter disputing this fraudulent account, along with the new FTC report. XX/XX/XXXX XXXX responded saying the information that I provided as proof of my identity did not match the info they had on file. they asked me to send them two different items to verify my identity, copy of my W-2 and a copy of my Driver 's license. I provided these 2 items to XXXX, along with a copy of my birth certificate, social security card, utility bill, Office of Property Assessment and sales information pertaining to my address proving that i am in fact XXXX XXXX XXXXXXXX XXXX and not XXXX XXXX, along with the letter that they sent me. In addition to proof of identity, i provided identity theft report ; identification of such fraudulent information ; and a statement that the information is not information relating to any transaction by me pursuant to 15 U.S.C. 1681 c-2- ( a ) which requires such fraudulent information to be blocked. 
In violation of 15 U.S.C 1681 s-2 ( B ) and 15 U.S.C. 1681c-2- ( a ), XX/XX/XXXX XXXX sent me a letter stating that this disputed information was verified as accurate and that dispute was frivolous. Proof of an agreement creating debt between XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX was never established

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 2024-12-30 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: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
Need to remove negative items for missed payments per law!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, is reporting to the three ( 3 ) credit bureaus a late monthly payment on a consumer loan that was related to a title loan on a XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX is in violation of 15 U.S. Code 1637 of the Truth-in-Lending Act requires that creditors provide notice of late payment consequences for open-end consumer credit plans : Late payment notice If a late payment could increase the annual percentage rate ( APR ), the creditor must include a conspicuous notice of this fact and the applicable penalty APR on the account statement. 
Payment date The date a payment is made at a branch or office of the creditor is considered the payment date for the purpose of determining late fees. 
Payment delivery Creditors must ensure that periodic statements are delivered to consumers at least 21 days before the payment due date. 
As the purpose of Title 15 USC is to protect consumers from unfair credit practices and billing, and to strengthen competition among financial institutions. 

The item in question is being reported by XXXX XXXX to all three credit bureaus and having a detrimental impact on my overall credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, is reporting to the three ( 3 ) credit bureaus a late monthly payment on a consumer loan that was related to a title loan on a XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX is in violation of 15 U.S. Code 1637 of the Truth-in-Lending Act requires that creditors provide notice of late payment consequences for open-end consumer credit plans : Late payment notice If a late payment could increase the annual percentage rate ( APR ), the creditor must include a conspicuous notice of this fact and the applicable penalty APR on the account statement. 
Payment date The date a payment is made at a branch or office of the creditor is considered the payment date for the purpose of determining late fees. 
Payment delivery Creditors must ensure that periodic statements are delivered to consumers at least 21 days before the payment due date. 
As the purpose of Title 15 USC is to protect consumers from unfair credit practices and billing, and to strengthen competition among financial institutions. 

The item in question is being reported by XXXX XXXX to all XXXX credit bureaus and having a detrimental impact on my overall credit report and score.

Company response to consumer: Closed with explanation