vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-04 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-04 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-07-04 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have been disputing inaccuracies on my credit report since XXXX, XXXX still haven't deleted or corrected inaccurate information, I've made all my payments on time, paid off Capital XXXX, XXXX, XXXX accounts. XXXX sent updateds which was not updates on XXXX and XXXX which wasn't updates there was no change on my credit report, Capital XXXX they said was verified, I'm asking for the FURNISHER to sent me the information they used to verify and update Capital XXXX, XXXX, XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: NC

Complaint narrative:
I have been disputing inaccuracies on my credit report since XXXX, Transunion still haven't deleted or corrected inaccurate information, I've made all my payments on time, paid off XXXX XXXX, XXXX, XXXX accounts. Transunion sent updateds which was not updates on XXXX and XXXX which wasn't updates there was no change on my credit report, XXXX XXXX they said was verified, I'm asking for the FURNISHER to sent me the information they used to verify and update XXXX XXXX XXXX, XXXX accounts.

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 2024-07-04 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: TX

Complaint narrative:
I want to emphasize the seriousness of this complaint, confirming it is not an error. The inaccuracies in my credit report have caused significant frustration and inconvenience, directly impacting my ability to secure credit approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: TX

Complaint narrative:
I want to emphasize the seriousness of this complaint, confirming it is not an error. The inaccuracies in my credit report have caused significant frustration and inconvenience, directly impacting my ability to secure credit approvals.

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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
No actions has been taken by company or updated information and also has wrong information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
No actions has been taken by company or updated information and also has wrong information on my report.

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 2024-07-04 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
Dear SoFi Securities and invest I am writing to formally complain about the freezing of my investment account. This message is not for SoFi bank lets clarify right away. SoFi securities, invest, technologies or whatever you may call it. My name is XXXX XXXX. 

Despite contacting your customer service ( invest specialist ) department to inquire about the reason for the freeze, I have not received a clear explanation. I was informed that the reason is due to someone claiming I owe a debt, but I have not been provided with any documentation to support this claim, such as a court order. SoFi invests specialist on phone call has verbally claimed that there is a legal hold on my SoFi account on XX/XX/XXXX to be exact. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to send a written validation notice within five days of initially contacting a debtor. This notice must include details about the debt, the creditor 's name, and my rights under the FDCPA. As of today, I have not received such a notice. They have not even formally notified me of the hold. I found out of the freeze on my own and they did it undercover as well as erased trades that I had made on my account, I have photo proof of this. They removed the log of a trade I made on XX/XX/XXXX it was a purchase of XXXX XXXX XXXX XXXX XXXX and I sold it for a loss. For some reason they are hiding this transaction and it does not appear in the logs. 

Furthermore, I have only been a SoFi Invest customer for a little over a month. It is highly unlikely that I would have legitimate debt requiring such a hold on my account this soon after opening it. 

The lack of transparency and refusal to release my funds without proper justification is causing me significant hardship. My funds have been frozen for over 30 days, which is an unreasonable amount of time. 

I am requesting the following : Immediate release of the freeze on my investment account. 
A written explanation for the freeze, including a copy of any court order if applicable. 
If the freeze is related to debt collection, a validation notice compliant with the FDCPA. 
If I do not receive a satisfactory response within 2 business days, I will be forced to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: TX

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. 

Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 2024-07-04 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: TX

Complaint narrative:
Subject : Urgent Request for Removal of XXXX  Charge-Off Account Due to FCRA Violations by TransUnion To Whom It May Concern, I am writing to formally request the removal of a XXXX charge-off account from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. My original dispute, submitted on XX/XX/2024, regarding inaccurate reporting of the charge-off account, received a response on XX/XX/2024, which exceeds the 30-day period required by the FCRA. 

Complaint Details : Original Dispute Submission Date : XX/XX/2024 Response Received Date : XX/XX/2024 Account in Dispute : XXXX XXXX  Account Number : XXXX Despite multiple attempts to resolve this issue directly with TransUnion, they failed to rectify the situation and did not comply with the required investigation period under the FCRA. Specifically, the following violations have been identified : XXXX. Inaccurate Reporting of Charge-Off Status : Reporting a charge-off status for multiple months violates FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX. Failure to Conduct a Proper Investigation : This suggests a violation of FCRA 611 ( a ) ( 1 ) ( A ), which mandates a reasonable investigation upon receiving a dispute. 
XXXX. Re-reporting of Previously Disputed Information : This violates FCRA 611 ( a ) ( 5 ) ( A ), which prohibits reinsertion of disputed items unless verified. 
XXXX. Failure to Mark the Account as Disputed : This violates FCRA 611 ( a ) ( 5 ) ( B ), requiring credit bureaus to note the disputed status of an account. 

Given these violations, I request that the Consumer Financial Protection Bureau ( CFPB ) enforce the immediate deletion of the XXXX charge-off account from my credit report. The prolonged inaccurate reporting has caused significant harm and inconvenience. 

Supporting Documentation : Original Dispute Submitted to CFPB on XX/XX/2024 Response from TransUnion Received on XX/XX/2024 Supporting Documents ( Bank Statements, Credit Reports ) Thank you for your attention to this urgent matter. I look forward to your prompt intervention and resolution. 

Sincerely, 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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
The creditor agreed to change information and this account is involved in litigation. 
I have not supplied proof under the doctrine of estoppel by silence Engelhardt V Gravens ( mo ) 281 SW 715. 719. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists pursuant to 28 USC 8, L owe no debt this company is violating my consumer right to privacy pursuant to 15 USC 1682-B2 company has no permission to report my information per 15 USC 16814

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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: GA

Complaint narrative:
I filed a complaint to the XXXX bureaus regarding to inaccurate report on my credit account. Please help me submit my compalaint to remove all negative items.

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 2024-07-04 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: GA

Complaint narrative:
I filed a complaint to the XXXX bureaus regarding to inaccurate report on my credit account. Please help me submit my compalaint to remove all negative items.

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 2024-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Received notification thru XXXX XXXX that CCS collections was trying to collect an alleged debt of $ XXXX also stated that CCS is the original creditor. I state my demand for proof of this debt specifically the alleged contract or other instruments bearing my signature as well as the proof of your authority in this matter.Absent such proof you must terminate this collection and correct erroneous reports of this debt as mine.For the record I have no account with CCS collections nor am I your customer nor have I entered into a contract with you.. U.S.Code 6802 obligations with respect to disclosures of non public information in good faith to resolve this matter amicably. I must ask for the following information please evidence your authorization under 15 U.S.Code 1692 ( e ) and 15 U.S.Code 1692 ( f ) in this alleged matter? What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX this account has four different violations reporting at once This account is in violation of FCRA 623 ( A ) ( 3 ) notice of dispute which was disputed on XX/XX/XXXX. The required date for the notice of dispute should have been entered by XX/XX/XXXX. 
The date last active is different all on three bureaus. I was disputed XXXX XXXX XXXX XXXX XXXX The date last reported was disputed on XX/XX/XXXX and it doesnt reflect that the account was actually verified because the last report date is XX/XX/XXXX. I have since disputed this account several times after that date. No real investigation ever took place. 
Theres continued payment history well after the account was closed. Closed accounts shouldnt have payment history at all

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 2024-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I have disputed this account and have asked for rental agreements, signed consents and my permission to collect on a debt that i do not owe them. I have never lease from this collection company nor the company they are collecting on. The credit bureau has always come back stating the information has been verified as accurate but I haven't gotten anything after calling and requesting the information they have verified. Each time I call the company at XXXX and ask for the information I receive the round around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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 explanation