vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
I opened an account with SOFI bank online. I transferred from outside banks XXXX deposits of approximately {$7400.00}. The bank received the deposits and instantly restricted my account. I have called repeatedly to inquire and all they say is they are investigating and to call back. I have been calling for over XXXX weeks. My funds are frozen, and no one will assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: MN

Complaint narrative:
I applied for a XXXX  position at the end of XXXX. I waited several days to hear back and I finally made one to call hire right after about XXXX weeks. On XX/XX/year> I reported to them my status as a XXXX XXXX XXXX on this day and requested to view my report before it was sent to XXXX  to inquire if there was any information on there related to XXXX XXXX. Originally I was given the run around and told I couldnt dispute the results of my background check until after it had been sent to uber. After requesting to speak to a manager several times, I was finally put in touch with someone where she did read off the results to me that were currently listed on the background check report, but said that some of the results have not come back yet on the report were definitely items that were related to the XXXX  and also items that were over seven years old. I requested a block of these items pursuant to section 605C of the FCRA because they were due to XXXX XXXX it is my understanding that the company has only four days to resolve this issue. They receive my paperwork on XXXX XXXX and here it is XXXX XXXX and my results has still not come back and I still have not gotten my results from my background check yet and I have talked to several people there including someone from the so-called administrative offices, who promised me that it would be resolved, but I believe that they are intentionally holding up my dispute so I will not get hired because I am a victim of targeting and discrimination due to my XXXX  status I receive confirmation from my caseworker at family partnership that he verified that the letters were legitimate and that they were part of the XXXX XXXX XXXX  XXXX in Minnesota yet all I get is the runaround. It has been over four days and I am currently going to write a lawsuit to litigate this because they have caused a lot of damages in my life and have caused me to go without this job because they are procrastinating and our miss applying the law saying that they have 30 days for dispute, which is true, but this is not a dispute. This is a request to block information due to XXXX XXXX  and I have told them that several times but theyre adamant that they have 30 days so I am going to file this complaint so they can write their position as to what they have on here and then Im going to move on to a lawsuit because the damages in trouble they have caused me have been tremendous. They have made this process very frustrating and difficult. They are hard to get in touch with. They have lied to me, misled me and told me several things that are not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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 was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2025-01-14 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: VA

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was sent two different letters ( one letter for the Costco and BestBuy cards and another letter for the Home Depot card ) on XX/XX/XXXX from Citi which states three of my credit cards are being unilaterally closed by the company. This letter did state that I could request specific reasons for the closure if the company received a written response by XX/XX/XXXX. As stated below, I sent a letter regarding the specific reasons for the closure on XX/XX/XXXX. 
I sent a total of four ( 4 ) letters to Citi/ Cards Services Support Unit . The first letter I sent, dated XX/XX/XXXX, was to request specific reasons for the unilateral closure of three of my credit cards by Citi. I then sent three additional letters asking the company to reevaluate the closure of my credit cards, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Citi provided me with responses on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The company provided me with the same responses, stating they will not reinstate my credit cards. 
The main reason the credit card company has provided is due to conduct that occurred on my part over/nearly 18 years ago. Since that time, I explained to the credit card company that I have an unquestionably high credit score ( over XXXX ), I have paid my bills timely since I opened my account in XXXX, and I even received a letter dated XX/XX/XXXX from your company identifying me as a valued customer. I was wholly unaware and would have no reason to believe that my credit cards would be cancelled unilaterally based upon the STRONG and lengthy and positive history I have had with the company before and after the mistake I made a very long time ago. The countrys success is based upon giving people legitimate second chances. Citi has refused to respond to my repeated pleas to provide me with a second chance and reinstate my status as a valued customer forthwith.

This prolonged incident has severely affected my credit ( reducing my credit score ), putting my business, employees, and most importantly, my family in financial danger. I am suffering immense damages by this prolonged unilateral closure of my credit cards. I have no missed payments on my record and in fact, have a 100 % on time payment record. I am respectfully requesting the banking commission to investigate and encourage the company to reinstate my credit cards.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX and had some unauthorized transactions made on his account. I contacted XXXX XXXX concerning these transactions and was told to submit a police report and they would investigate the issue. After they investigated the issue I was told that the transactions were made by me without any justification or evidence. Please refund the {$850.00} in fraud transactions based on the police report, witness statements, and recorded phone calls to XXXX XXXX reporting the fraud.

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 2025-01-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion - reporting unauthorized transactions, attempting to collect debt that does not belong to me and they are the only credit buries reporting this inaccurate information. 



XXXX - reporting unauthorized transactions, attempting to collect debt that does not belong to me XXXX -reporting unauthorized transactions, attempting to collect debt that does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: AR

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2025-01-14 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: AR

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2025-01-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: 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 2025-01-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights. 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 an account without my written instructions. 


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 Account Number : XXXXXXXX XXXX XXXXT Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : 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 2025-01-14 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: VA

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 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 2025-01-14 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: VA

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 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 2025-01-14 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: AZ

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the account XXXX XXXX XXXXXXXX as reported. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and noticed inaccurate information related to this account. The inaccuracies include discrepancies in the account status, balance, and payment history. These errors are adversely affecting my credit report and financial standing. I request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy. 

Please send me the results of your investigation and an updated credit report reflecting any changes via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
I am writing to formally dispute the negative accounts reported on my credit report. Upon review, I have identified inaccuracies and incomplete information that are causing significant harm to my financial standing. This negligence is affecting my ability to engage in financial transactions and misrepresents my creditworthiness.

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 2025-01-14 00:00:00
Product: Credit card — Store credit 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: MA

Complaint narrative:
I paid my bill in full, as I do every month, for a TJX Rewards Card from Synchrony Bank. The payment was removed from by XXXX  XXXX XXXX checking account on XX/XX/XXXX in the amount of {$260.00}. I subsequently received a bill the following month saying that the payment had not been received. Since that time, I have been trying to resolve this issue with Synchrony Bank to no avail. They acknowledge that they have received/located the payment, which apparently they internally sent to the wrong department, and yet they continue to send me bills for this payment with late fees even though they also send me correspondence saying that the payment has been found and credited to my account. I even had a XXXX call with Bank of XXXX and Synchrony customer service XXXX XXXX ago to " prove '' that the funds were removed by them from my checking account. Nothing seems to put this matter to rest for good. 
I closed the account in XX/XX/XXXX because of this issue and what a headache it has been. Every time I think the matter has been addressed, I am harrassed with yet another bill, or another piece of mail asking me to provide " proof '' of this payment that I have been assured has been located. I got a bill with late fees on XX/XX/XXXX which certainly helped to ruin by XXXX holiday since I spent hours on the phone with them trying yet again to have this issue addressed. Each time I call, I have to start the whole story over again and waste hours of my life. Despite escalating all the way to the office of the president, this matter has STILL not been resolved. I have never paid a bill late in my life and don't deserve this sort of incessant harassment and complete incompetence.

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 2025-01-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Credit Inquiries To Whom It May Concern, ** FIRST REQUEST ** This is my *First* request on the removal of these errors on my consumer reporter. I discovered multiple hard inquiries that's shown on my consumer report which have known actual accounts. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. If accounts are not removed within the next 30 days, I will be taking legal action but this is something I really do not want to do. I discovered these things today XX/XX/XXXX. Please get back to me at your earliest convenience. 

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  I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. It is urgent that I hear from you urgently, as this hard inquiry is impacting my XXXX XXXX. I anticipate your response. 

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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Good day, I can not overstate how frustrating and overwhelming this situation has been. Waking up to discover a debt I have no knowledge of, unverified and clearly not mine, is deeply unsettling. To add to this, Ive been bombarded with harassing communications from various platforms, employing aggressive tactics, and even facing threats of legal action. This is beyond insulting as a law-abiding citizen, and it is a blatant violation of my consumer rights. The stress and XXXX  this has caused have taken a serious toll on my mental health, leading to sleepless nights and constant worry.

Company response to consumer: Closed with explanation