vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: PA

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 2024-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am writing this letter in order to request your help and understanding. Back in XXXX, XXXX [ when the negative items was listed on my auto loan ], I lost my job and made a couple of late payments, even though I hated paying late. I do feel bad about it even now. However, I did get current on the account ( listed above ) as soon as my financial standing improved. I have in fact made timely payments since then. I've been working hard to make financially responsible decisions and get better control of my money. 

I am now buying a home but having difficulty in receiving an affordable mortgage rate due to the negative listing on my credit report. Thereby, I would request you to kindly remove this negative item as a gesture of goodwill. Your kind gesture would be sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Last year I called and closed my account with Celtic Bank ( continental finance company ) to which they complied. However I had a balance of {$400.00} on the credit card. This company decided to contact a third party collection agency and " assigned '' the debt to them but I never signed off on that which makes their collection practices illegal pursuant to the Fair Debt Collection Practices Act. Additionally, the Credit Card Act of 2009 ( which is part of the Truth in Lending Act ), to be specific 15 U.S. Code 1637i ( 4 ) any closure of an account does NOT constitute default and shall not trigger an obligation to immediately repay the obligation in full or through a method that is less beneficial to the obligor. Additionally, Celtic Bank is supposed to enter into an amortization period of no more than 5 years. I demand that they correct this issue 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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
The collection company not responding my request about this fraudulent account opened XXXX XXXX open in XXXX accordance wen the Fair Creat Reporting act Account a XXXX, nas violated my nights. 
15 US C 1681 section 602 A. States I have the right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency I have police report identidid open fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

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 2024-05-22 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: NY

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I HAVE SENT SEVERAL DISPUTES IN THE MAIL. INCLUDING MY SOCIAL SECURITY NUMBER. TELEPHONE BILL AND PICTURE OF MY STATE ID. I KEEP GETTING A MESSAGE THAT THE INFORMATION APPEARS TO BE FROM A 3RD PARTY.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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 2024-05-22 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: NV

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$4400.00}

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/2024 i noticed a suspicious transaction of {$2000.00} posted to my account from XXXX XXXX California. I immediately called Sofi & Notified them of this issue. I was told the security of my Account was their top priority & this matter would be promptly dealt with. I was disappointed to find out that Sofi Bank did not start investigating this issue until the XX/XX/2024. Its is XX/XX/2024 & I have not been reimbursed for the money Sofi Bank failed to protect. On top of that, the agent assigned to my claim ( named XXXX ) has refused to provide me with any updates regarding this matter. At this point it has been over a month since I reported this issue and nothing has been done!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-22 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: NC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I am reaching out regarding the following incorrect information Ive found listed on my credit report. I am a victim of Identity Theft, I most certainly do not recognize any of the charges, accounts, and inquiries Ive listed in this letter. I kindly ask that the unauthorized accounts that are listed below from my credit report to be removed. I did report the theft of my identity to The Federal Trade Commission, and I also obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I do thank your team in advance. Please take care. Thank you again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Concord Servicing Corporation
State: SC

Complaint narrative:
I have been disputing this account EQUIANT FINANCIAL SERVICES on my credit report for over 4 months now back to back and XXXX is refusing to send me the information that I am requesting I have been asking them to send me all the information that they receive from this company to be reporting this inaccurate information on my report I have never had an timeshare from this company they is also report that its an open account with foreclose to proceedings with a balance the last time they reported this information to them was XX/XX/year> I would like for XXXX to delete this inaccurate information as this is not an account that I'm aware of as it it hurting me mortgage score when I'm applying for an home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 


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 2024-05-22 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding unresolved fraudulent hard inquiries on my credit report. Despite following the appropriate steps to dispute these inaccuracies, the credit reporting agency has failed to remove them, which has caused significant distress and potential harm to my financial standing. On XX/XX/XXXX, I discovered several unauthorized hard inquiries on my credit report, which I believe are the result of identity theft. These inquiries include : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Immediately upon noticing these discrepancies, I took the following actions : 1. **Filed an Identity Theft Report : ** I reported the identity theft to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Affidavit ( FTC Reference Number : XXXX ). 
2. **Contacted the Credit Reporting Agencies XXXX ** I contacted TranUnion via US Mail 3. **Requested Investigation and Removal : ** In my communication, I requested an immediate investigation into the fraudulent inquiries and their subsequent removal from my credit report. 

Despite these efforts, I never received a response from TransUnion. This lack of response is unacceptable, as it fails to acknowledge the evidence provided and does not address the serious nature of identity theft. The presence of these fraudulent inquiries on my credit report has negatively impacted my credit score, and by extension, my ability to secure necessary financial services. As a consumer, I have the right to accurate credit reporting, and it is the responsibility of the credit reporting agencies to ensure that fraudulent activities are thoroughly investigated and rectified. I request that the Consumer Financial Protection Bureau intervene in this matter to ensure that TransUnion conducts a proper investigation and removes the unauthorized hard inquiries from my credit report. Attached, please find a copy of the FTC Identity Theft Affidavit. Thank you for your attention to this serious matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX **Attachment : ** 1. FTC Identity Theft Affidavit

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 2024-05-22 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 be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

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 2024-05-22 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: FL

Complaint narrative:
Despite my efforts, these issues are still unresolved. Enclosed is the letter I sent to the credit bureaus. Your firm labeled my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This is a serious matter to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Provide evidence of the alleged item, such as a contract or document with my signature, or remove these items from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I highly suggest you go direct to your credit union or bank for auto loans and or auto refinance. I had no idea Credit Karma was not legit. I just removed my data and deactivated/canceled my account. I had an offer last week for 4.8 % for 48 months to refi my husbands newer truck loan. ( He did this at the dealer last summer. Big mistake. You go in with your own financing ). I accepted the offer and the broker ( a company called XXXX XXXX ) can not get me anywhere near the offered rate. They are only offering a 1 % reduction in the rate and they keep trying to sell me on extending the term to 72 or 84 months when I emphatically said I will only do 48 months. My credit score is XXXX and I have made six figures in the same job for 10 years. I just wrote letters to both XXXX XXXX and Credit Karma about their scammy bait and switch practices and while looking for the email addresss found this article about the FTC fining Credit Karma $ XXXX fir false advertising. .They are still practicing this bait and switch game and will likely be fined again or be put out of business. I guess $ XXXX was not enough to deter them. Read and share!

Company response to consumer: Closed with explanation