vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & XXXX XXXXXXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report. These fraudulent accounts are XXXX XXXX XXXX Inquiries 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 2025-01-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report. These fraudulent accounts are XXXX XXXX XXXX Inquiries XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
XXXX XXXX XXXX marked my Equifax credit score with negative derogatory mark. I called them multiple times and the automated system directed me to their email. I sent a written request and they have failed to provide proof that I ever owned an account with the supposed entity that is owed. They only sent me a reference number which I looked up on XXXX XXXX website- the address noted is incorrect and the account noted from XXXX XXXX is also incorrect. I never owned an account with XXXX XXXX and never received documentation that I owed them. I've requested documentation per attached emails to XXXX XXXX XXXX without success. 

I demand that Equifax investigates this issue with XXXX XXXX XXXX to remove these false reports and provides all pertinent documentation including : 1 ) Proof that the debt is mine and that XXXX XXXX XXXX has the right to collect it. 
2 ) The last statement or invoice provided to me by the creditor to which the debt is currently owed.

3 ) The charge-off date.

4 ) The account number associated with the debt.

5 ) The amount of current debt and itemized list of any payments made, added fees/interest/or other charges.

6 ) Confirm whether or not the statute of limitation on the debt has expired.

7 ) Written documentation of when and how I was notified of the debt and by who- I did not receive any letters or emails notifying me that I owed money to anyone. 

Equifax also needs to remove all negative derogatory markings on my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

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. 
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, has violated my rights. 

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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EMG ACQUISITION GROUP, LLC
State: LA

Complaint narrative:
I received a loan of XXXX ; paid XXXX biweekly ... paid over XXXX and in XXXX fell on hard times ... asked for a payment plan but was ignored at first..then later they auto drafted funds in double payments same day which pushed my account into overdraft ... I asked again for a payment plan since I had paid into the account faithfully and needed a better option, they refused and said I needed to continue paying and that was my only option ... I asked to have my debit card removed and they still have not removed it ... they are trying to run my debit daily since XXXX. This company is terrible and does not assist their customers at all with better options if they fall on hard times. I even asked for a settlement and they refused me again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2025-01-30 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I've had to put an identity theft alert in place because debts that I do not owe is on my credit report my credit score does have not changed out of the XXXX range I've sent letters regarding late payments that was not late the spelling of my name is wrong they have multiple addresses name spelling and phone number that never belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Contacted Citibank to dispute ( documented letters and recorded calls ) an automatic charge of a membership fee on my Citibank XXXX XXXX and that I wanted the card canceled ( card was called in lost and was cut up ) for where Im now located there is no XXXX stores within a 400 mile radius. I have recorded conversations with both entities supervisors in getting the situation resolved. In my conversation with XXXX I was left with the impression that the charge was to be waived and that they would followup. That never happened. This was as of a year and half ago. Now appears they have started an all new membership fee with compounding interest charges. I have other cards with Citibank which are paid in full each month with XXXX balances. My credit rating is at XXXX. 
Can provide recordings and documentation if requested.

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 monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These Accounts and inquiries are incorrect, since i do not recognize them, please investigate them and delete them Accounts : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Inquiries : 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 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 2025-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: FL

Complaint narrative:
When Problems or concerns arise regarding missing money from my account, taking fees that weren't never supposed to be taken. I have a few others that are hard to explain but I lost over XXXX  $ from cash app because there is no one to answer my call or help me with the situation. It's always a bot that you have to speak me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I recently noticed unauthorized hard inquiries on my credit report which I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 1681b, companies must have a permissible purpose to pull my credit report, and I have not given consent for these inquiries.

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-30 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: CA

Complaint narrative:
XXXX XXXX XXXX sent me a closing statement of my account but my account should have been closed due to identity theft from the XXXXXXXX XXXX 3 months ago I been getting flagged as late they sent me a letter closing the account and it still shows as open

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 2025-01-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX sent me a closing statement of my account but my account should have been closed due to identity theft from the XXXX XXXX  3 months ago I been getting flagged as late they sent me a letter closing the account and it still shows as open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I pulled a copy of my consumer report and noticed some hard inquiries I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

INACCURATE INFORMATION DISPUTE : The items I am disputing are as follows : Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Date : XX/XX/XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX  Date : XX/XX/XXXX Inquiry : XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX Date : XXXX/XXXX/XXXX Inquiry : XXXX XXXX Date : XX/XX/XXXX Reason : This hard inquiry was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: LEXISNEXIS
State: NC

Complaint narrative:
THEY HAVE NOT REMOVED INFORMATION THAT I NOTIFIED/ REQUESTED REMOVED DUE TO FRAUD AFTER SENDING THE DOCUMENTS TO PROVE MY ADDRESS ALSO IDENTIFICATION AND UTILITIES BILLS WERE GIVEN NUMEROUS CLOSED ACCOUNTS NOT ASSOCIATED WITH ME AT ALL STILL REMAIN ON MY REPORTS DUE TO FRAUD THAT I REPORTED, AND THESE ISSUES STILL REMAIN A MAJOR STRESS FACTOR IN MY PURSUIT OF HAPPINESS I HAVE NO STUDENT LOANS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
THEY HAVE NOT REMOVED INFORMATION THAT I NOTIFIED/ REQUESTED REMOVED DUE TO FRAUD AFTER SENDING THE DOCUMENTS TO PROVE MY ADDRESS ALSO IDENTIFICATION AND UTILITIES BILLS WERE GIVEN NUMEROUS CLOSED ACCOUNTS NOT ASSOCIATED WITH ME AT ALL STILL REMAIN ON MY REPORTS DUE TO FRAUD THAT I REPORTED, AND THESE ISSUES STILL REMAIN A MAJOR STRESS FACTOR IN MY PURSUIT OF HAPPINESS I HAVE NO STUDENT LOANS!

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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Merchant Name : XXXX * XXXX Transaction Date : XX/XX/XXXX Transaction Amount : $ XXXX Transaction Id : XXXX Claim Amount : {$510.00} Claim Date : XX/XX/XXXX This letter serves to inform you that we have reached a final decision regarding the claim mentioned above. 

After conducting a thorough investigation, we have determined that no error has occurred, and as a result, your claim has been denied. Our investigation involved a review of the information provided during the claim submission, as well as an examination of internal account records. Additionally, we collaborated with the merchant, other financial institutions, and our card processing networks as necessary. This claim is now closed. 


The XXXX listing was fraudulent and was an empty lot. XXXX has then disabled my account and Sofi has rejected my claim and refuses to supply additional information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 have XXXX student accounts with the XXXX government. 
The numbers on these accounts changed by the government.

Transunion counted them as new accounts and drastically lowered my credit score because of this.

THEY ARE NOT NEW ACCOUNTS.

The other credit bureaus did not make this mistake. ONLY TRANSUNION.

I spoke to them and tried to reach them online by phone and by email. They never responded to each. 
I asked for their supervisor and waited XXXX min and there was no response except for music.

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