vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX The consumer reporting agency that is reporting this account has violated my rights. 

I looked at my Transunion credit report on XX/XX/scrub> 2024, after I received an alert regarding an account that was being reported, TD Renovate. Upon further review, I noticed some of the information on this account is incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Additionally, according to 15 USC 1681 5 the consumer reporting agency is supposed to do this in reference to ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item 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, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Also, according to 15 USC 1681s-2 the consumer reporting agency is not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The information on this account is inaccurate and I am requesting for it to be removed from my credit report according to the laws of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: UT

Complaint narrative:
I have, for the last several months, been banking with a shady company, Current XXXX, which is funded and handled through XXXX. I had worked with a merchant for some purchases and those purchases the merchant had some errors in their side which caused me, multiple times, to be charged WAY more than I should have been. The merchant refused to refund, but insisted I reach out to my bank to dispute. The company was XXXX I had filed multiple disputes on multiple transactions, to which by your CFPB laws, they are supposed to properly investigate and also clear communication with the customer during investigation, not once was I reached out to, instead I got about 4 days later, the SAME DAY I uploaded evidence, denied an hour later for all of them. Which leads me to believe that their dispute process is XXXX, and they dont actually investigate. The merchant also said that the Card, XXXX, never once bothered to actually reach out to them and investigate. 
Multiple charges were charged for instance, I would charge {$4.00} to my card, and get hit with {$470.00} as there was a system error during this time. I call if my uploads you can see, receipts, corospondance with the merchant, emails from them, all of the evidence to prove Im correct and my will is logical, yet they deny, and allow this merchant to just steal my money, they refused to give me a provisional credit and have been failing at abiding by the law, I am now taking this to the News, as well as your platform, as well as attorney general, FTC, XXXX, XXXX, and comptroller of currency and XXXX XXXX who is the owner of Current XXXX. please make them give me my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
I need this information fixed in my credit report. 

***************************************************************************************************** CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX FL XXXX ***************************************************************************************************** REMOVE the display reported CURRENT ADDRESS ( XXXX ) of XXXX XXXX XXXX XXXX XXXX, FL XXXX CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX FL XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to 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 2024-11-19 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: AL

Complaint narrative:
This morning, I saw unauthorized inquiries on my credit report, which caught me completely off guard. I checked and refreshed my browser multiple times, but the issue persisted. Please review the documents I submitted and resolve this issue promptly to ensure this doesnt happen again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNVFUNDING is an account i dont own or recognize. I never received any court summons and did not accumulate this debt. The company is trying to do garnishment of my check and they put all these false late fees that are damaging my credit in a very negative way. I called the collection company and the lawyer they refused to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if 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 non-monetary relief
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX - XX/XX/XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Employers : XXXX XXXX  Also Known As : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed. 
Unauthorized Accounts : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$870.00} XXXX - XXXX - XX/XX/XXXX - {$940.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$690.00} Unauthorized Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX 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
Consumer complaint received 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SoLo Funds Inc.
State: NY

Complaint narrative:
XX/XX/year> I lended solo funds {$560.00} that they agreed their lender would return in 14 days with {$70.00} interest. My money was never returned and I did see any history about the transaction on the site. After reaching out twice to the company they aside an internal error on their end happened resulting in lenders not receiving money but they fixed manually in XXXX I was just over looked. They didnt not give me a time table on my return or provide my with the original contract agreement that gave them access to the {$560.00} from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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 am writing to formally request the immediate blocking and deletion of the unauthorized inquiries listed below from my credit file. I am a victim of a data breach, and these inquiries were made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these unauthorized entries blocked and removed. 
The inquiries in question are as follows : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Flandreau Santee Sioux Tribe
State: FL

Complaint narrative:
I was contacted by a very aggressive debt collector trying to threaten me to paying a loan that i dont even remember making. My previous bank account was compromised and i since changed my bank account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MS

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report related to the account listed as XXXX ( Account # XXXX ). Upon reviewing my credit report, I have identified discrepancies in the reporting of this account by TransUnion, XXXX, and XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on my credit report must be accurate, complete, and verifiable. 

Below are the specific discrepancies I have identified : 1. High Balance Discrepancy : TransUnion and XXXX report the high balance as {$7400.00}, while XXXX lists it as {$6100.00}. Please verify and correct the accurate high balance for this account across all reporting bureaus. 
XXXX. Last Activity Date : TransUnion lists the last activity date as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. XXXX does not include a last activity date at all. I request verification and correction of the accurate last activity date for this account. 
XXXX. XXXX Remarks : TransUnion indicates payment after charge-off/collection purchased by another lender, while XXXX states, account transferred or sold ; paid charge-off. These conflicting remarks suggest reporting errors, which must be clarified and updated with consistent, accurate information. 
XXXX. Last Payment Date : XXXX reports a last payment date of XX/XX/XXXX, XXXX reports XX/XX/XXXX, and TransUnion provides no last payment date. This inconsistency must be reviewed, and the correct last payment date should be uniformly reported. 
XXXX. Payment History Reporting : TransUnion and XXXX provide no two-year payment history, while XXXX shows inconsistent statuses ( e.g., delinquent vs. OK ). This irregularity must be resolved to ensure an accurate record of the accounts payment history. 
XXXX. Account Classification : TransUnion lists the account as Auto Dealers, Used, while XXXX categorizes it as Auto Financing. These conflicting classifications must be reviewed and corrected. 

I request that you investigate the discrepancies listed above and provide me with a corrected credit report. Additionally, please supply me with documentation verifying the accuracy of the information currently being reported or remove any unverifiable information from my credit file in compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. Please complete your investigation and provide me with the results within 30 days, as required by the FCRA. 

Sincerely, 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 2024-11-19 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: MS

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report related to the account listed as XXXX ( Account # XXXX ). Upon reviewing my credit report, I have identified discrepancies in the reporting of this account by XXXX, XXXX, and Equifax. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on my credit report must be accurate, complete, and verifiable. 

Below are the specific discrepancies I have identified : XXXX. High Balance Discrepancy : XXXX and XXXX report the high balance as {$7400.00}, while Equifax lists it as {$6100.00}. Please verify and correct the accurate high balance for this account across all reporting bureaus. 
XXXX. Last Activity Date : XXXX lists the last activity date as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. XXXX does not include a last activity date at all. I request verification and correction of the accurate last activity date for this account. 
XXXX. Resolution Remarks : XXXX indicates payment after charge-off/collection purchased by another lender, while Equifax states, account XXXX or sold ; paid charge-off. These conflicting remarks suggest reporting errors, which must be clarified and updated with consistent, accurate information. 
XXXX. Last Payment Date : XXXX reports a last payment date of XX/XX/XXXX, Equifax reports XX/XX/XXXX, and XXXX provides no last payment date. This inconsistency must be reviewed, and the correct last payment date should be uniformly reported. 
XXXX. Payment History Reporting : XXXX and XXXX provide no two-year payment history, while Equifax shows inconsistent statuses ( e.g., delinquent vs. OK ). This irregularity must be resolved to ensure an accurate record of the accounts payment history. 
XXXX. Account Classification : XXXX lists the account as Auto Dealers, Used, while Equifax categorizes it as Auto Financing. These conflicting classifications must be reviewed and corrected. 

I request that you investigate the discrepancies listed above and provide me with a corrected credit report. Additionally, please supply me with documentation verifying the accuracy of the information currently being reported or remove any unverifiable information from my credit file in compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. Please complete your investigation and provide me with the results within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief