vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: NC

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section XXXX ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the XXXX this situation has put me under.

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 2024-12-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I had requested a reamortization of a personal loan to reduce my monthly payment, with the hopes However, when the reamortization was complete, my effective interest rate increased by .25 %. After several conversations with customer service about this issue, it has yet to be resolved. The purported reason is that the conditions of a discount that existed prior to reamortization no longer applied. But if that is the case, I never received any notification about such change from SoFi.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of the following inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these inquiries are unauthorized. 
The following inquiries must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted XXXX XXXX numerous times about this problem. I paid off and closed a credit card with XXXX XXXXXXXX XXXX in XX/XX/XXXX. It was correctly removed from my account. In XX/XX/XXXX, the credit card showed up again on my account ( both on the website and in the XXXX XXXX XXXX ) and I immediately contacted XXXX XXXX, thinking that someone re-opened the credit card using my name. This credit card even showed up as having been re-opened for a month on my credit reports and then it disappeared a month later. 

XXXX XXXXXXXX XXXX has confirmed that the credit card ending in XXXX is indeed closed but they continue to show it as " XXXX '' and in need of " activating '' my new credit card in order to use it. Because of this discrepancy, I can not manage my account online and must ONLY use the APP to do so ( for example, check balances, make payments ), which has limited features. If I try to manage my account online it immediately logs me out of my account. 

I have disputed this numerous times, informing them of the error and asking them to remove that credit card from my account. They insist it is not there and that they will inform the XXXX department and to just wait until it drops off. When I insisted I wanted to be able to manage my account online, a representative told me " just use the App, it's fine ''. As if how I want to manage my account is inconsequential to them. 

In over 7 months, XXXX XXXX has made NO effort whatsoever to resolve this issue. There is a credit card that I do not have, that apparently is not open, connected to my account, the discrepancy creates an error under my account on their website and there seems to be nothing I can do about it. 

I am seeking support in obligating XXXX XXXX XXXX  to make this a priority and resolving this situation immediately. I want to be able to manage my credit card accounts with them as I see fit, not as they demand I do so.

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 2024-12-11 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: PA

Complaint narrative:
SEE ATTACHED FOR INACCURATE INFORMATION REPORTING FOR 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2024-12-11 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:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I requested a copy of 1099 c form from this company. AFFIRM. I never recieved the form but, AFFIRM is reporting on my credit report as written off to IRS which require to send me a copy of the filed form. Affirm filed it off as A tax break already. Also its reporting on my credit report as if the debt has been writen off. Which by Law Requires them to send me a copy or original 1099 c form of the debt that AFFIRM is Claiming as a lost on there Taxes to ( INTERNAL REVENUE SERVICE. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 2024-12-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NV

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 2024-12-11 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Please see and review the attached file for what I am complaining about. Initiate immediate actions for this. thanks

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 2024-12-11 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: MN

Complaint narrative:
I am writing to request the immediate blocking and deletion of the accounts listed below from my credit file. I am a victim of a data breach, and these accounts were opened or reported without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts removed from my credit report. 
Fraudulent Accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: MD

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was 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 2024-12-11 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681section 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.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with The Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681section 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
Robinhood spending account blocked me from spending my money for over 2 months, I've been trying to reach there customer service number for the last 2 months. I tried to request call back from their app & website an unable to do so. They have a customer service phone number that does not work and it's all automated and no way to reach a real rep to process my case. 1 time I was able to reach a representative and submitted ID and they said they would call back- but that was a month ago!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: MD

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Around XX/XX/XXXX I received letters from Nelnet loan servicer bills from old student loans. 
Over a decade ago I consolidated these loans 10 down to 2 loans. My account went from Great Lakes to Nelnet. From Nelnet to XXXX. From XXXX to XXXX. 
Now these loans have showed back up with Nelnet unconsolidated. They have not been able to tell me why after over 10 years my loans are suddenly back. 
Around XX/XX/year>, I filed a Borrower Defense of Repayment with the department of education. XXXX has that information, however Nelnet says they know nothing about it. 
I was told by Nelnet I am to start paying these loans next year. When they shouldn't even be my servicers anymore. They are not working with me at all. I was then told to take to talk to the department of education. 
The department of Education is also saying to reconsolidate my loans, even though I have done this before. 
My loans have now doubled from XXXX to XXXX. My education didn't even cost that much. Something is going on and none of these companies can give me answers. 
This has greatly affected my credit score as well. 
Not sure what else to do. Someone is trying to get over on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I applied yesterday XXXX  for a home equity line of credit at my local bank ( XXXX ) and as soon as I applied I started receiving calls on my work number from other companies trying to sell me a a mortgage or loan. I have received about 15 calls at different hours of the day starting from XXXX today and yesterday. A few vendors I called said they got my info from ExperianXXXX  I called ExperianXXXX  they do not have a customer service person to talk to ... phone notice refers you online. I created online account XXXX Experian does not have an option to opt out of marketing/ telemarketing etcXXXX I also got the app no option to opt out XXXX XXXXThis is ridiculousXXXX Not sharing should be the default option XXXX  They sell on the website privacy protection subscriptions to protect you from the info they are sharing in the first placeXXXX  Where is congress on this issue? XXXX I guess you guys are it to try and help me and other poor people like me. This is like a thief coming and burglarizing your home and at the same time is trying to sell you an alarm system XXXX This is also impacting my work as now I do not know if my clients are calling me or all these telemarketers

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 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Ordered and item online and paid thru Paypal. Amount paid {$44.00}. Name of the store used online XXXX located in XXXX. Item ordered on XX/XX/year>. On XX/XX/year> contacted Paypal and filed a dispute as item had been delivered. contacted the seller with response after 3 emails and they have no telephone available. Paypal issued a provisional credit for {$44.00} and now on todays date they have recouped the credit stating the seller provider tracking information. I requested this info and they did not respond. The item has yet to be received. This was for a XXXX XXXX  and today is already XX/XX/year>. The tracking # they provided me ( XXXX ) is not valid and no information is available. I have ring cameras I would have been able to see if it was delivered to me. And if they delivered it, it was not to my home. I sent all the pictures to paypal and they still recouped the money and closed the case with no replies to my findings. The store in which the item was ordered ( XXXX ) now shows as closed and no method of contact. I want my money back from Paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-11 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: The Phoenix Recovery Group
State: IN

Complaint narrative:
I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct any errors, as I believe they may be affecting my credit score and my financial well-being.

The item ( s ) in question are listed below : Creditor Name : Phoenix Recovery Group as well as XXXX XXXX XXXX Account Number : Unknown Disputed Information : These companies were given my information unlawfully and because of that I am contacting the bureau to remove this from my credit report and any damage it may have caused.

I request that you conduct a thorough investigation of this item, as the information provided is incorrect. According to the FCRA, you are required to complete the investigation within 30 days of receiving this letter. I ask that you promptly remove or correct any inaccuracies you identify.

I have enclosed the necessary documentation to support my claim, including [ list any documents you're attaching, such as payment records, bank statements, or letters from the creditor ].

Please send me a written confirmation of the results of your investigation and the updated credit report once the dispute is resolved. If you determine that the information is accurate, please provide the detailed reasoning behind your conclusion.

Thank you for your prompt attention to this matter. I look forward to your response in compliance with the FCRA.

Company response to consumer: Closed with explanation