vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-18 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: TX

Complaint narrative:
XXXX XXXX has violated my rights by Reporting this debt to my consumer report. A debt that is not mines. This agency is also in violation of USC 1692G. They were to notify me of this in writing XXXX days prior, and I was not. As I look at my consumer report, I realize that when this account was opened, I was under age, so it could not have been me that opened this FRAUDULENT ACCOUNT. I have uploaded a copy of my ID for proof of age and residence

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 2024-12-18 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: TX

Complaint narrative:
XXXX XXXX has violated my rights by Reporting this debt to my consumer report. A debt that is not mines. This agency is also in violation of USC 1692G. They were to notify me of this in writing XXXX days prior, and I was not. As I look at my consumer report, I realize that when this account was opened, I was under age, so it could not have been me that opened this FRAUDULENT ACCOUNT. I have uploaded a copy of my ID for proof of age and residence

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 2024-12-18 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:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. I want to emphasize that this account is entirely fraudulent. Despite my previous attempts to have it removed, including providing all the necessary documentation and information, the account remains on my report. Please remove this fraudulent account from my credit report, it is hurting my ability to obtain credit. Thank you for your prompt attention to this issue. I look forward to receiving confirmation that the account has been 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 non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
In XXXX, me and my friends wanted to go to XXXX XXXX 
And i went online, and Bought Plus passes for me and my Friend But Unfortunately, both were placed under my social security number Then we went about three times. 
After that, Towards the end on XXXX, I found out that i had to pay monthly for both accounts. 
And i tried to cancel the accounts. 
XXXX XXXX transferred my accounts to the ACS Collections company And i had to pay them for both accounts. 
I made two payments of {$250.00}. 
One on XX/XX/XXXX and One on XX/XX/XXXX But both were applied to only one account The second payment did not count And now Acs wants me to pay {$400.00} or about {$370.00} with discount Also, i am on XXXX, and don't have enough money to pay my bills Previously i emailed Acs my payment history.

But they pretend to not receive it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: IN

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-12-18 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:
My account was restricted after I transferred money to myself from a separate bank. The originating bank then asked for a reversal of the transaction because they thought it might be fraudulent. 

The transaction was not fraudulent but I have been unable to remove the restriction for the last 8 weeks and no information has been provided to me on how I can a resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: PA

Complaint narrative:
I am requesting an investigation into these accounts, as there seems to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have since been re-added without my knowledge. I did not receive any notification of their reinstatement, nor have I been contacted by mail regarding 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 2024-12-18 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: GA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-12-18 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: GA

Complaint narrative:
It appears I am a victim of identity theft I have completed a ftc identity report and my personal statement is i am i victim off identity theft i dont know how people got ahold of my inforamtion i have no knowledge of these accounts its has been hindering me from advancing in life due to these detegory marks on my credit i need these following accounts removed or expunged out my credit XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
It appears I am a victim of identity theft I have completed a ftc identity report and my personal statement is i am i victim off identity theft i dont know how people got ahold of my inforamtion i have no knowledge of these accounts its has been hindering me from advancing in life due to these detegory marks on my credit i need these following accounts removed or expunged out my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
International fraudsters used gift cards and XXXX to take everything out of my account. I bought the gift cards because they told me they were from XXXX XXXX and all of my accounts had been accessed. They took control of my online banking and used XXXX to overdraw my account. Chase Bank gave them additional money not authorized by me by what they call a XXXX XXXX XXXX account. Now, I want to pay this account off because they tell me I am responsible. I can not access this account because they have frozen it. They are sending me notices about this account being overdue yet I have no access to pay it. I have talked to at least 16 representatives of the bank, including customer service and the overdraft department and no one can tell me how to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there that are inaccurate, Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Shellpoint Mortgage loan has inaccurate information that needs to be corrected

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 2024-12-18 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This case is a follow up to the last case with the CFPB XXXX and the credit card application for the Citi XXXX XXXX card XXXX XXXX. 

I'm not going to stop util I get a response about my case. All documentation has been documented for future law purposes. 

Last response of Citi bank in relates with my credit card application XXXX was : Length of time accounts have been established on your credit report. 
Your credit report shows too many recently opened accounts. 
Your credit report shows too many recent inquiries. 

But the letter I got in my mailbox and it's on my possession said something completely different ( attached ) : *Complete, sign and return the form 4506-C tax return There's no match in the bank responses and reasons provided for the credit card application denial. 

The form 4506-C were filled, signed and returned correctly as indicated in the letter, after 20 days the application got denied due to : *We couldn't verify some of the information on your application. 

CITI BANK, respectfully, why are you changing the reasons of the credit card denial if I have the official letters on my possessions and those letters were provided as a proof for this case. 
One more time, if additional information is needed, I am 100 % agreed to provide to Citi bank any personal information, documents, ID 's bills of any other required form to complete my credit card application properly, same as I did when the bank asked for the form 4506-C. IM NOT ACEPTING no valid reasons as a response.

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 2024-12-18 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: CA

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 : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed {$2000.00} - Charge off XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} - Charge off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00} - Collection XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: Open Dealer Exchange, LLC
State: NY

Complaint narrative:
I have check my credit report and seen I have 16 hard inquiries of company I don't recognize nor authorized to run my credit milestone XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  in one  day XX/XX/XXXX XXXX XX/XX/XXXX motorcycle ; XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have check my credit report and seen I have 16 hard inquiries of company I don't recognize nor authorized to run my credit milestone XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX motorcycle mall XX/XX/XXXX XXXX XXXX XXXX in one day XX/XX/XXXX XXXX XX/XX/XXXX motorcycle ; XX/XX/XXXX XXXX XX/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