vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: HI

Complaint narrative:
Despite providing comprehensive documentation and evidence to support the correction of this late open account, it continues to inaccurately appear on my credit report. This persistent error not only undermines my financial reputation but also hampers my ability to access credit and secure favorable financial terms. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why this late open account persists on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Also, I request compensation for the significant inconvenience, stress, and potential financial harm caused by the continued presence of this incorrect late open account on my credit report. It has negatively impacted my ability to obtain credit and pursue other financial opportunities essential for my financial stability. The following accounts should be corrected as soon as possible : 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 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 non-monetary relief
Consumer complaint received 2024-06-06 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: HI

Complaint narrative:
Despite providing comprehensive documentation and evidence to support the correction of this late open account, it continues to inaccurately appear on my credit report. This persistent error not only undermines my financial reputation but also hampers my ability to access credit and secure favorable financial terms. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why this late open account persists on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Also, I request compensation for the significant inconvenience, stress, and potential financial harm caused by the continued presence of this incorrect late open account on my credit report. It has negatively impacted my ability to obtain credit and pursue other financial opportunities essential for my financial stability. The following accounts should be corrected as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
I am writing today because I have noticed some inaccurate information on the balance of my XXXX XXXX XXXX XXXX. This balance is reporting incorrectly on my credit report and is negatively impacting my score due to it increasing my utilization rate to XXXX XXXX. As stated on my billing statement my building cycle was from XXXX to XXXX, and showed my balance at the end of my billing cycle to be {$150.00} ; however your company is reporting that my balance was {$380.00}. This was updated on Experian on XXXX. This mistake violates my consumer laws under the Fair Credit Reporting Act. 

The account number is XXXX, my XXXX is XXXX, and my social security number is XXXX. I have also enclosed all the doucement verify my identity and showing proof that this account is reporting incorrectly on my credit reports. 

According to XXXX XXXX XXXX XXXX the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case you have not ensured maximum possible accuracy. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section XXXX According to the FRCA if an account is not reporting accurate information to my credit report, I have the right to get this account deleted. Please delete this negative and inaccurate account from my Experian 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 2024-06-05 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: TN

Complaint narrative:
Today XX/XX/XXXX, I had multiple inquires hit my profile. I have not applied for anything. I spoke with supervisor XXXX XXXX ( XXXX XXXX  XXXX ) at TransUnion who tried telling my I only had XXXX inquiry. At that moment of him telling me this information I was looking at my credit profile and I could see XXXX inquires from today. I explain how he was giving me misinformation and that it was against my right. He tried to assure me that there wasn't any inquires on my credit profile. I eventually hung up and called back. I spoke with a young lady. I explained that I was trying to dispute the inquires because they were fraudulent she disputed them for me and she could see them. However, she explained that I needed to submit another FTC report. Same thing XXXX stated. I find this unfair and inconsiderate of my time to have to do this each time something fraudulent happens. Also, TransUnion stated that I did not have a XXXX XXXX  on my profile and stated that I have never had XXXX. However, I have an extended XXXX XXXX  with all bureaus. Yet, some how my XXXX XXXX  magically disappeared from TransUnion. I have been having a XXXX XXXX since XX/XX/XXXX and it doesn't expire until XX/XX/XXXX. I would like that same alert places back onto my TransUnion 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 non-monetary relief
Consumer complaint received 2024-06-06 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:
This company is reporting inaccurate fraudulent information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account. I ask that these items be removed immediately to correct 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 non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
XX/XX/XXXX my account was restricted. I spent {$40.00} total to buy crypto for a gambling site called XXXX. Maybe this caused it, I don't know, even they don't know fully why they restricted my account. Called two times already, they tell me " check the app '' XXXX says that other people have this issue and the same thing happened to them for MONTHS. I already waited 2 weeks for checks and debit cards for XXXX to process, missing my summer class registration, I don't have the patience for more money hostage games with SoFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: CA

Complaint narrative:
I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a 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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on mu report please remove these accounts from my report they are hurting my ability to obtain credit. 

I am not liable for this debt with SOUTHWEST CREDIT SYSTEMS. I do not have a contract with SOUTHWEST CREDIT SYSTEM. They did not provide me with the original contract as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: OK

Complaint narrative:
There is no account number from XXXX on my credit report. 
XXXX card is showing on my credit report as a previous balance of {$6500.00} with a current balance of XXXX. XXXX also states that they have written this off and sold this debt. 
Since debt write offs are considered income, I should receive a 1099-C from XXXX, as this would be considered income on my tax return. 

Also, income can not be reported on a credit report. 

Please remove this account from my file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: OK

Complaint narrative:
There is no account number from XXXX on my credit report. 
XXXX card is showing on my credit report as a previous balance of {$6500.00} with a current balance of XXXX. XXXX also states that they have written this off and sold this debt. 
Since debt write offs are considered income, I should receive a 1099-C from XXXX, as this would be considered income on my tax return. 

Also, income can not be reported on a credit report. 

Please remove this account from my file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: WI

Complaint narrative:
I put my house in forbearance when the company got my account and i took it out of forbearance in XXXX, the paperwork was finalized and I made my first payment in XXXX. I have been trying to get a home equity loan or a cash out - refinance but I cant because the company marked my payment in XXXX as late on my credit report. Even though, I never had a payment in XXXX. Multiple companies I have spoken to told me that when you take your house out of forbearance there shouldnt have been a late payment. When I spoke to my loan officer about it, they were rude and told me there was nothing they could do about it and it wasnt their problem.

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 2024-06-06 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Amazon Chase continued to charge my Amazon Chase credit card for subscriptions that were canceled. I informed both Amazon and Chase but they continue monthly charges. I canceled the credit card and Chase issued a new credit card with different number. Without my authorization Amazon charged the new credit card for the canceled subscriptions. I closed the new account and logged complaints with both Amazon and Chase. I refused to pay for unauthorized charges. My account with Amazon Chase was delinquent and late charges with interest added. Chase resolved the issue with Amazon and all charges plus interest and late fees were reimbursed and I owed nothing but they did not take care of the damage done to my credit report. My score was XXXX and now because of faulty information my XXXX XXXX dropped to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: OH

Complaint narrative:
I Recently reviewed a copy of my credit report and noticed. I had fraudulent accounts on my report. Please remove these account from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Please Help! This is not right! I have disputed this several time with XXXX, and this appears to be ongoing, and they keep denying stating that the debt is confirmed. Then they would change the date of when it originated. I noticed on my credit reports with XXXX and XXXX, it is not on those reports, it looks like at XXXX time it was and it had an original date of XXXX and they removed it. I am not sure what this is from. I read reviews on the company bad practices : Spring Oaks Capital LLC, and it appears that are obnoxious with their practices and not being truthful. I need this removed. and XXXX is of no help, I have been going thru this for year now. Really ironic after several back and forth disputes with XXXX XXXX, and my I completed a survey about the dislike of service they email me this : ( I had to click on the blog link within the email to get here to get help ) Here is a copy and paste of the email I got : Dear XXXX, Friendly Reminder : We recently notified you about the results of a completed XXXX dispute investigation. 

If you haven't yet viewed the results, you can still view your dispute results online. You have until XX/XX/XXXX, XXXX days from the date we notified you that your dispute results were first available. 
If you have already reviewed your results for this dispute, no action is necessary. Learn more about how to read your dispute investigation results in our blog. 
If you don't agree with your dispute results, visit our blog to guide you through additional steps you can take. 
Sincerely, Your XXXX  Support Team Please Help! This is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

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 2024-06-06 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: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

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 2024-06-05 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: AL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-05 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: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a XXXX  violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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