vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX, EQUIFAX and XXXX are violating my rights under the Fair Credit Reporting Act. XXXX, EQUIFAX and XXXX are reporting adverse items on my XXXX XXXX account without my permission which is a direct violation of 15 USC 1681 C ( a ) ( 5 ) which states Except as authorized under subsection ( b ), 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. is reporting late days on my credit report for this account. This reporting is clearly adverse and being reported without my permission, which is against the law. 15 U.S. Code 1681 ( e ) states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, EQUIFAX and XXXX do not maintain reasonable procedures. 
Any and all consent to report adverse items by XXXX, EQUIFAX and XXXX and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked unless the reporting is paid as agreed or Current. 15 U.S.C. 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never informed me of my right to exercise my nondisclosure option. 
According to the Fair Credit Reporting Act, XXXX XXXX XXXX section XXXX ( a ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the consumer, and XXXX, EQUIFAX and XXXX are the reporting agencies and I have the right to make sure that my private information isnt shared and is backed by XXXX XXXX XXXX, It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution, by definition, under that title. XXXX XXXX XXXX section XXXX ( a ) section XXXX states that In general subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, the financial institution, and XXXX, EQUIFAX and XXXX, the consumer reporting agencies, DO NOT have my consent to furnish adverse information and they surely DO NOT have my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-15 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: WI

Complaint narrative:
Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying 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 2024-12-15 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: WI

Complaint narrative:
Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed
information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying 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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I was given notice that my Bank of America Corporation Credit Card Accounts # XXXX / # XXXX were denied, finding furthermore, they had been closed. I wasn't made aware of why this action was taken against me. However, I have the right to unlimited credit. as the holder and creator of the funds that are held or securitized by these accounts opened or closed. 

Additionally, while on the phone with the agent, fraud was mentioned, and I was put on hold ; soon after, the live call was abruptly disconnected without further explanation for any reason for this adverse action, which I find as cause for complaint. 
The latest statements were uploaded from my accounts, showing credits, although limited, were during the time and should have been readily available for my needs, consideration, and benefit at the time of this act. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. According to my credit report, XXXX XXXX has listed certain accounts as charged off. However, I have concrete documentation proving that these loans are not in default, and this claim is false. This misinformation has caused undue harm to my credit score and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Ohio state laws. 

Details of the Disputed Accounts : Creditor : XXXX XXXX Account Number ( s ) : n/a Reported Status : Charged Off Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Reporting an account as charged off when it has not defaulted constitutes false reporting, which is prohibited under this law. Moreover, Ohios consumer protection laws also mandate that creditors and credit bureaus must report information fairly and accurately, per Ohio Revised Code Section 1345.02, which prohibits unfair and deceptive practices. 

Additionally, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the courts reinforced the obligation of credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information. Reporting a charge-off inaccurately violates this precedent and further illustrates a failure to uphold proper investigative standards. 

To support my dispute, I have attached the following documents : 1. A copy of my credit report highlighting the inaccurate entry. 
2. Documentation proving that my XXXX XXXX loans are not in default. 
3. [ Any additional evidence, such as account statements or correspondence with XXXX XXXX. ] I request that [ Credit Bureau Name ] investigate this matter promptly and delete the inaccurate charge-off entries from my credit report. Failure to address and correct this issue may leave me no choice but to seek legal remedies under the FCRA and Ohio consumer protection laws. 

I appreciate your attention to this matter and expect a written response within 30 days, as required by the FCRA. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. According to my credit report, XXXX XXXX has listed certain accounts as charged off. However, I have concrete documentation proving that these loans are not in default, and this claim is false. This misinformation has caused undue harm to my credit score and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Ohio state laws. 

Details of the Disputed Accounts : Creditor : XXXX XXXX Account Number ( s ) : n/a Reported Status : Charged Off Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Reporting an account as charged off when it has not defaulted constitutes false reporting, which is prohibited under this law. Moreover, Ohios consumer protection laws also mandate that creditors and credit bureaus must report information fairly and accurately, per Ohio Revised Code Section 1345.02, which prohibits unfair and deceptive practices. 

Additionally, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the courts reinforced the obligation of credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information. Reporting a charge-off inaccurately violates this precedent and further illustrates a failure to uphold proper investigative standards. 

To support my dispute, I have attached the following documents : 1. A copy of my credit report highlighting the inaccurate entry. 
2. Documentation proving that my XXXX XXXX loans are not in default. 
3. [ Any additional evidence, such as account statements or correspondence with XXXX XXXX. ] I request that [ Credit Bureau Name ] investigate this matter promptly and delete the inaccurate charge-off entries from my credit report. Failure to address and correct this issue may leave me no choice but to seek legal remedies under the FCRA and Ohio consumer protection laws. 

I appreciate your attention to this matter and expect a written response within 30 days, as required by the FCRA. 

Thank you for your time and cooperation. 

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 2024-12-15 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: IL

Complaint narrative:
I am disputing inaccurate reporting on my credit reports by XXXX, the U.S. Department of Education, and credit reporting agencies XXXX, Equifax, and XXXX regarding my student loan account ( Account No. XXXX ). XXXX has admitted in a letter dated XX/XX/XXXX that my account was transferred multiple times to : U.S. Department of Education Debt Management and Collections System ( DMCS ) FedLoan Servicing ( XXXX ) XXXX  These transfers were done without my consent or proper authorization ( SSA-89 form ) and constitute payment, satisfying the debt under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, this account is still being inaccurately reported as unresolved or delinquent on my credit reports. Key Issues : 1. FCRA Violations by Credit Agencies : Under 15 U.S.C. 1681i ( a ) ( 5 ) and 12 C.F.R. 1022.43 ( a ), credit agencies must promptly update or correct inaccurate information when evidence, such as a notarized adavit, is provided. Despite my submission of notarized documentation, they have failed to update the account as Paid in Full. 2. Name Change Not Updated : I legally changed my name to XXXX XXXX XXXX due to fraudulent and inaccurate reporting tied to my former name ( XXXX XXXX ). XXXX, Equifax, and XXXX have failed to update my legal name as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing inaccurate reporting on my credit reports by XXXX, the U.S. Department of Education, and credit reporting agencies XXXX, XXXX, and Experian regarding my student loan account ( Account No. XXXX ). XXXX has admitted in a letter dated XX/XX/XXXX that my account was transferred multiple times to : U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX These transfers were done without my consent or proper authorization ( XXXX form ) and constitute payment, satisfying the debt under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, this account is still being inaccurately reported as unresolved or delinquent on my credit reports. Key Issues : XXXX. FCRA Violations by Credit Agencies : Under 15 U.S.C. 1681i ( a ) ( 5 ) and 12 C.F.R. 1022.43 ( a ), credit agencies must promptly update or correct inaccurate information when evidence, such as a notarized adavit, is provided. Despite my submission of notarized documentation, they have failed to update the account as Paid in Full. XXXX. Name Change Not Updated : I legally changed my name to XXXX XXXX XXXX due to fraudulent and inaccurate reporting tied to my former name ( XXXX XXXX ). XXXX, XXXX, and Experian have failed to update my legal name as required.

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 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: DE

Complaint narrative:
This is in regards to SoFi bank I tried id verifying my face 10 days in a row 30 times and they wont verify get me a manager none of it my camera works they keep giving excuses I have no way to access my money because their app is bad I cant change my payroll provider cant do XXXX I have XXXX in there I cant touch they wont even get me a manager to tell them their facial system doesnt work have offered other forms of identity to get my account unrestricted all of that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently received a copy of my consumer report from Equifax and XXXX after a recent dispute and saw an item reflecting adverse information from XXXX XXXX XXXX. I am 100 % sure that XXXX XXXX XXXX did not follow federal procedure in validating the alleged debt on the account in XXXX. The transferring of my information to the Credit agencies listed is not lawfully transferred. XXXX XXXX XXXX has not lawfully verified a contract agreement between the consumer and XXXX XXXX XXXX bearing two wet ink signatures by Consumer XXXX XXXX and XXXX XXXX XXXX in which a contract shall be made valid per contract law. XXXX XXXX XXXX has violated Due Process clause towards the consumer by denial of arbitration of any alleged debt by a lawful court order that can substantiate a lawful claim against consumer XXXX XXXX. Without any proof of Contract bearing two wet ink signatures by both parties in interest or a lawful court order or written consent from the consumer, XXXX XXXX XXXX has violated Federal Consumer Law 15 U.S.C. 1681s-2 which pertains to the responsibilities of furnishers of information and Equifax nor XXXX did not properly verify this information. 1. Contract with 2 wet ink signatures by both parties 2. A lawful court order or judgement or deposition or sworn statement of facts. 3 Written consent of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently received a copy of my consumer report from XXXX and Experian after a recent dispute and saw an item reflecting adverse information from XXXX XXXX XXXX. I am 100 % sure that XXXX XXXX XXXX did not follow federal procedure in validating the alleged debt on the account in Question. The transferring of my information to the Credit agencies listed is not lawfully transferred. XXXX XXXX XXXX has not lawfully verified a contract agreement between the consumer and XXXX XXXX XXXX bearing two wet ink signatures by Consumer XXXX XXXX and XXXX XXXX XXXX in which a contract shall be made valid per contract law. XXXX XXXX XXXX has violated Due Process clause towards the consumer by denial of arbitration of any alleged debt by a lawful court order that can substantiate a lawful claim against consumer XXXX XXXX. Without any proof of Contract bearing two wet ink signatures by both parties in interest or a lawful court order or written consent from the consumer, XXXX XXXX XXXX has violated Federal Consumer Law 15 U.S.C. 1681s-2 which pertains to the responsibilities of furnishers of information and XXXX nor Experian did not properly verify this information. 1. Contract with 2 wet ink signatures by both parties 2. A lawful court order or judgement or deposition or sworn statement of facts. 3 Written consent of the consumer.

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 2024-12-15 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: Double Diamond-Delaware, Inc.
State: MS

Complaint narrative:
On XX/XX/year> Home Equity line of credit, came on my credit report. I never got a home line of credit.

Company response to consumer: Untimely response