vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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:
In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved. 

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.

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 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

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 2024-10-18 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: IN

Complaint narrative:
I discovered incorrect late payment records on my credit report that dont match my usual payment activity. Please fix these mistakes and update my account.

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 2024-10-18 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-18 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: MA

Complaint narrative:
" I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. t. They are hurting my ability to obtain credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: TX

Complaint narrative:
So i disputed XXXX with sofi bank. Sofi got the money from XXXX before XXXX even accepted the money on XX/XX/year> here it is XX/XX/year>. i still have no credit no refund no response form sofi i have email proof i provided to sofi from the merchant and still nothing. I want to sue them I'm tired at this point. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: DC

Complaint narrative:
I am writing to formally dispute information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Section 609.

Upon reviewing my credit report, I discovered the following accounts, which I believe to be inaccurate and not mine : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Remove me from any authorized user accounts These accounts are not mine, and I am requesting that you provide me with a detailed validation of these accounts, including all documents that were used to verify the accuracy of this information, such as signed agreements or contracts. I understand that you are required to investigate this matter and, if these accounts can not be verified, they must be removed from my credit report. 

XXXX : XX/XX/year> LAST 4 SSN : XXXX Please remove these accounts if you can not provide sufficient evidence that they belong to me. I request that the results of your investigation be sent to me in writing at the above address.

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 2024-10-18 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:
purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2024-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I dont want them to call me at work many times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: National Credit Systems,Inc.
State: MD

Complaint narrative:
According to FCRA 15 usc 1681 section 602 says there is a need to insure that the reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer right to privacy. The reporting agency XXXX XXXX XXXX XXXX XXXX and I am the consumer. I have the right to make sure my information stays private and isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers nonpublic personal information. NATIONAL CREDIT SYSTEM is a financial institution by definition under that title 15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates too. NATIONAL CREDIT SYSTEMS the financial institution and the consumer reporting agencies XXXX, XXXX XXXX do not have my written consent or any permisson to furnish any information. Any and all consent to XXXX XXXX and XXXX and NATIONAL CREDIT SYSTEMS whether it be verbal, non-verbal, written or implied is now revoked. Also 15 USC 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a non-affiliated unless the consumer is given an explanation of how the consumer can exercise his right to that nondisclosure option. NATIONAL CREDIT SYSTEMS Never informed me of that right. Also 15 USC 1681 ( a ) ( 5 ) says " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer reports 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. This account is an adverse item that they are reporting again without my permission which is against the law. Lastly 15 USC 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: VA

Complaint narrative:
TransUnion LLC, Legal Department XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Attention : Office of General Counsel Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to privacy as a federally protected consumer. This entitlement is reinforced by the Privacy Act of XXXX  specifically articulated in 5 U.S. 
Code 552, which governs the disclosure of public information and the regulations pertaining to agency rules, opinions, orders, records, and proceedings. I am instructing your Financial Institution to DELETE UNVERIFIED INQUIRIES LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is effective immediately and indefinitely. 

TITLE VICONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. * * * * * * * COMPULSORY USE OF ELECTRONIC FUND TRANSFERS Sec. 913. [ 15 U.S.C. 1693k ] No person may * * * * * * * ( 2 ) require a consumer to establish an account for receipt of electronic fund transfers with a particular financial institution as a condition of employment or receipt of a government benefit. 
REMOVAL OF INACCURATE INQUIRES PER TITLE VI CONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) Sec. 913. [ 15 U.S.C. 1693k ] DELETE INNACURATE INQUIRES : XXXX XXXX XXXX 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 2024-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: IN

Complaint narrative:
I SENT CEASE AND DESIST ORDERS TO CREDIT BUREAU SYSTEMS IN XXXX AND XXXX KENTUCKY. I ASKED THEM TO VALIDATE THE DEBT. I ASKED THEM TO PROVE THEY HAVE MY AUTHORIZATION TO ATTEMPT TO COLLECT ANY DEBT FROM XXXX XXXX. THEY SENT DETAILED BILL PAGES FROM XXXX XXXX ONLY. THIS IS A HIPPA VIOLATION BECAUSE THE BILLING SHOWS LINE BY LINE OF MY SERVICES RENDERED TO ME. THEY HAVE NO AUTHORITY BY ME TO HAVE HIPPA INFORMATION OF MY PRIVATE MEDICAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: IN

Complaint narrative:
There are errors on my credit report indicating late payments, which do not reflect my typical payment behavior. Please rectify these inaccuracies and update my account.

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 2024-10-18 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: MO

Complaint narrative:
I have filed multiple complaints in reference to my federal consumer rights being violated by TransUnion due to their reporting 's on my consumer report. I received mail from them in reference to verifying my identification. I provided my ID, social security card, and multiple pieces of mail, one being a bill and other a promotion mail from a promotional inquiry attached below.

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 2024-10-18 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This company obtained by credit report without my permission on XX/XX/year>. This is a violation of my identity and I would like the inquiry removed from my credit report from all three credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company obtained by credit report without my permission on XX/XX/year>. This is a violation of my identity and I would like the inquiry removed from my credit report from all three credit reporting bureaus.

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 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hello, on XXXX I made a purchase on XXXX for {$350.00}. I used my PayPal extra Mastercard to pay for the item. Seller uploaded a tracking number, that I have later found out was bogus. The item showed delivered. XXXX would not step up to resolve the issue stating I had to wait XXXX days for the seller to respond ( giving them plenty of time to steal my money ) so I disputed the charge on my credit card as item not received PayPal then closed my case because of the tracking number provided by XXXX. I called their fraud department which told me I needed to provide proof. I went to the local post office and spoke with the post master there. She was very nice and helped me get a copy of the address label with my tracking number. It showed being delivered to a different address than mine in my zip code. I followed PayPals direction and submitted it as evidence. I waited for a week and never heard anything, no email no return call, nothing! So I call them again and they tell me the case is closed. I beg them to have a person actually look at my file and they reopen the case with the new info. I wait two days and call back. This time I am told that the case was ruled in my favor, and that I will actually see a refund in 24 hours. Great! 24 hours goes by and nothing. I wait three days to call them a 4th time, and this time I demand a supervisor. I waited on hold for an hour. I speak to the supervisor explaining what happened and ask why I was lied to. She claims that the case was changed to item was different than expected so they closed it. She reopens the case again and says it will be reviewed by her team. On XXXX I got an email stating that the case was closed, you guessed it! Because XXXX providing a tracking number! I called them today XXXX and waited on hold for XXXX minutes and was hung up on. I am making this complaint because I am sure I am not alone and also this is a case of a federal crime, mail fraud, and should be taken setiously

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 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-18 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: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally raise concerns regarding the practices of the credit bureaus in relation to my recent disputes. My experience indicates a lack of proper investigation into the information provided by creditors, as well as inadequate responses to my inquiries. 

On XX/XX/XXXX, I submitted a dispute to the credit bureaus, requesting that they verify the accuracy of specific account information. I have tracking receipts confirming that the bureaus received my disputes. However, after 30 days without any response, I followed up with another dispute, asking for verification of the negative items on my report. In my request, I emphasized the necessity of having a live person involved in the verification process to ensure accuracy. 

Despite my efforts, I received no relief or evidence of any investigation from either the bureaus or the creditors involved. I have documentation of my communications, including tracking receipts showing that the disputes were acknowledged between XX/XX/XXXX and XX/XX/XXXX. 

Moreover, I noticed significant discrepancies in the reporting of late payments across the different credit bureaus. I highlighted these discrepancies in my correspondence and provided copies of each credit report for comparative purposes. Unfortunately, my concerns have not been addressed, and the errors remain unresolved. 

These experiences lead me to believe that the credit bureaus are engaging in passive reporting and verification practices, rather than fulfilling their obligation to conduct thorough investigations. This lack of action appears to reflect a disregard for the accuracy of the information they report. 

I respectfully request that the CFPB investigate these practices and hold the credit bureaus accountable for their responsibilities under the Fair Credit Reporting Act. Accurate credit reporting is vital, and I believe that consumers deserve diligent investigation and correction of any inaccuracies. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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