vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 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: LA

Complaint narrative:
I sent dispute letters XX/XX/year> and XX/XX/year> and both my dispute letters were ignored. 


Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 
Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: LA

Complaint narrative:
I sent dispute letters XX/XX/2024 and XX/XX/2024 and both my dispute letters were ignored. 


Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
Innovis continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, PA XXXX there should be no other names or address listed on my report. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: MO

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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 2024-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NC

Complaint narrative:
I DID NOT OWE A DEBT TO XXXX XXXX XXXX XXXXT ANY POINT DURING IN OUR ORIGINAL CONTRACT, XXXX AT THE TIME XXXX XXXX VERIFIED THAT I DID NOT HAVE ANY DEBT WITH THEM. I WASNT UNTIL AFTER XXXX LEFT HER POSITION THAT I RECEIVED THE FALSE COLLECTION. ALSO, I DO NOT HAVE ANY CONTRACT OR AGREEMENT WITH THE COLLECTOR IQ DATA INTERNATIONAL IN AND THEY FAILED TO PROVIDE ME WITH THE ORIGINAL CONTRACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have previously disputed XXXX XXXX Bankruptcy case # XXXX with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is below. 

" The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. '' It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately!

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 2024-05-25 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: TX

Complaint narrative:
Credit beraus have in my credit report acount, information of my XXXX XXXX They are confusing me with him and are putting all this debts, auto loan, collectors and child support that do not belong to me. I open disputes and what they only fixed was my name and social security number and adress. But they just updated my personal information and did not changed the other inaccurate information. They closed the disputes saying that my account information was accurate. I been trying to dispute their decisions back again and they are just supposedly reinvestigating. One of the accounts have been closed because it was paid off by its owner so I cant reopen a dispute for it. So its basically staying in my credit report record and its affecting it. Im trying to finance a truck and I cant due to this error. Its showing financial institutions that i have a bad credit and debts when i do not and my credit is incorrect. I personally dont have any debts i just finish paying my truck with no late payments. I also sended a letter with copies and proof of identity of my social security, Id and birth certificate and i havent received an answer or a solution. I want them to double check on the information and for them to make sure on the name and social security number of the accounts. See my proof of identity to know that im not the owner of this accounts. Delete all inaccurate information, debts, collectors, auto loan, child support that do not belong to me. Fix my Credit report and score as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all this things that are showing on my report belong to my XXXX XXXX and are not mine. I want them deleted from my credit report as soon as possible. Only accounts that do belong to me are XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
Credit beraus have in my credit report acount, information of my XXXX XXXX They are confusing me with him and are putting all this debts, auto loan, XXXXollectors and child support that do not belong to me. I open disputes and what they only fixed was my name and social security number and adress. But they just updated my personal information and did not changed the other inaccurate information. They closed the disputes saying that my account information was accurate. I been trying to dispute their decisions back again and they are just supposedly reinvestigating. One of the accounts have been closed because it was paid off by its owner so I cant reopen a dispute for it. So its basically staying in my credit report record and its affecting it. Im trying to finance a truck and I cant due to this error. Its showing financial institutions that i have a bad credit and debts when i do not and my credit is incorrect. I personally dont have any debts i just finish paying my truck with no late payments. I also sended a letter with copies and proof of identity of my social security, Id and birth certificate and i havent received an answer or a solution. I want them to double check on the information and for them to make sure on the name and social security number of the accounts. See my proof of identity to know that im not the owner of this accounts. Delete all inaccurate information, debts, collectors, auto loan, child support that do not belong to me. Fix my Credit report and score as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all this things that are showing on my report belong to my XXXX XXXX and are not mine. I want them deleted from my credit report as soon as possible. Only accounts that do belong to me are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
On XX/XX/2024 I received an email ( in response to a dispute ) from an unknown sender ( Card Processing Associate ( XXXX ) ) that was automatically sent to my spam folder and not found until XX/XX/2024 stating the following : " Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 

Card Processing Associate ( XXXX XXXX ) XX/XX/2024, XXXX XXXX Dear XXXX XXXX During a review of your SoFi Money account ending in XXXX, we have identified activity within the account that has been determined to be in violation of the SoFi Money Customer Agreement . 

As a result, your debit card will be closed effective immediately and you will no longer be able to use your card. In the event this decision is based on information contained in a consumer report, you will receive an Adverse Action notice within the next 30 days which will provide additional information regarding the decision. 

We sincerely apologize for any inconvenience. 


Best, The SoFi Team '' On or around XX/XX/2024 I had contacted Sofi Bank to cancel said dispute and was assured it had been taken care of, so I was surprised to get this kind of response. Plus I now found out that due to the sudden cancellation of my debit card that my cell phone service was no longer active ( unpaid ), my food stamps cancelled ( missed phone appointment ), and I am now left without XXXX to several key accounts. I am also unable to contact the very bank that says " without calling there is nothing they can do ''. 
So I did call. The first attempt I asked what has happened? I was told something vague about a broken rule, but I was not allowed to know what it was and I could transfer my money out. I then attempted to do so, however I have no other accounts that link with XXXX. So I called back and was met with a very rude employee who hung up on me after I suggested that this was retaliatory for me filing a complaint with the CFPB. Lastly after spending HOURS calling I got a hold of a nice enough gentleman who said my account was actually scheduled to be closed. What?! So I asked about my money as I have no food, and rent is due the XXXX. He said I can write a check. I am XXXX. I forced myself to XXXX, and was told the bank has restricted my account. Isn't this MY MONEY? I feel like this should be illegal, anyone else kept someone elses money they would be arrested but this bank is enjoying my money and I am starving .... 
I currently have a balance of {$940.00} in that checking account and have been told many confusing, contradicting, and untrue things by a bank that is supposed to be accountable to me. Now they close my account without telling me a reason and I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am demanding written proof of me as the original creditor giving you consent to furnish this negative account COLUMBIA DEBT RECOVERY # XXXX opened XX/XX/2023 on my credit report without my consent and refusal to remove this account is now consisted to willful noncompliance with the FCRA laws. This is defamation of character. I WILL FILED THIS LAW SUIT IF THIS ACCOUNT NOT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have identified unauthorized inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: MO

Complaint narrative:
I have identified unauthorized inquiries on my credit 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 2024-05-25 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:
I recently received a copy of my Transunion consumer report, and I noticed some late payments posted on my consumer report XXXX XXXX XXXX XXXX XXXX Days Late Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Transunion is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give Transunion written instructions to furnish this on my report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Update the above late payments to paid as agreed NEVER LATE on my consumer report, this agency is in violates 15 USC 1681.

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 2024-05-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
I have a prepaid card with nestpend but i put a hold to that card because i dont want to used anymore but that card i haved for direct deposit when i do my taxes but i change the card because i dont want to used anymore for irs thats why i put a hold to the card that way when they try to deposit de money is gon na rejet and i was thinking that was the case and i been asking the irs for my money because i was thinking i never resive the money but they told me they deposit the money to my prepaidcard but i never resive the XXXX dollars

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 2024-05-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NV

Complaint narrative:
I always pay on time, and I am certain of this. I am diligent about meeting my payment deadlines and have no doubts about it. My accounts should be updated to remove any late payment remarks from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: GA

Complaint narrative:
Victim of Identity theft. 
Defamation of Character & Failure to properly investigate

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 2024-05-25 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: GA

Complaint narrative:
Victim of Identity theft. 
Defamation of Character & Failure to properly investigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 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.

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 2024-05-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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:
Please see attached file

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 2024-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have an eviction from XXXXXXXX XXXX XXXX in XXXX Texas and a charge off from Westlake financial and tons of inquiries and it's severely damaging my credit. Please remove this stuff

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