vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX 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 2024-12-18 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: GA

Complaint narrative:
Subject : Removal of Unverified Accounts from Credit Report Details : I am submitting this complaint to request the removal of unverified accounts from my credit report. I have made several attempts to resolve this matter directly with the credit reporting agency, to no avail. These unverified accounts remain on my report, causing financial harm and negatively impacting my creditworthiness. 

Below is a timeline of my attempts to resolve the issue : XX/XX/year> : Sent notice requesting verification of the accounts. 
XX/XX/year> : Followed up with another notice, reiterating my concerns. 
XX/XX/year> : Submitted an affidavit of facts, which has gone unanswered. 
XX/XX/year> : Sent a second affidavit, which also remains unrebutted. 
XX/XX/year> : Issued a final notice to the credit reporting agency, but no response has been provided. 
Under the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.21 - Consumer Opt-Out Notices, consumer reporting agencies are required to provide mechanisms to prevent the inclusion of inaccurate or unverified information and allow consumers to opt out of certain reporting when it can not be verified. Despite this, the credit reporting agency has failed to take the necessary steps to verify or remove the disputed accounts.

Step 3 : Highlight the Financial Harm and Legal Basis The unverified accounts are causing significant financial harm by : Impeding my access to fair credit. 
Undermining my financial stability. 
Creating undue stress and impairing my ability to make necessary financial decisions.

Pursuant to Section ( a ) of the FCRA and 12 CFR 1022.130 - Reasonable Policies and Procedures for Ensuring Accuracy and Integrity, the following apply : The banking system depends on fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system.

Consumer reporting agencies must ensure that the information they report is accurate, impartial, and respectful of the consumers right to privacy.

The credit reporting agencys failure to rebut my affidavits or verify the disputed accounts constitutes a violation of the opt-out provisions under the FCRA and related regulations. Furthermore, under 12 CFR 1022.140, consumer reporting agencies must establish adequate methods for investigating and resolving disputed information, which they have not adhered to in this case.

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 2024-12-18 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item ( XXXX ) from my report, immediately : Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | {$4500.00} XXXXThis account is being reported inaccurately, please remove this from my credit report 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 2024-12-18 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly 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 2024-12-18 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly 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 explanation
Consumer complaint received 2024-12-18 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: SC

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
They have charged me {$590.00} in overdraft fees over the course of 2 months.

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 2024-12-18 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:
I am filing this complaint against XXXX, Transunion, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with TransUnion regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 

XXXX. Despite my dispute, XXXX, XXXX, and TransUnion continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 
Account Name Account Number XXXX XXXXXXXX XXXX XXXX  Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, XXXX, and TransUnion continue to report inaccurate information, violating my rights unde

r 15 U.S.C. 1681e ( b ). o The collection agencys failure to issue
a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.

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 2024-12-18 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
Ive contacted the company to let them know that I am a victim of identity theft but the company didnt take any care to it. Ive mailed them my identity theft report from identity theft.gov my drivers license As well as my police report from that specific city. They mailed me back a letter saying the information was verifiable due to an online lease that did not have my actual signature only an electronic one that I never gave consent to. That was the only information that was provided to verify. Ive also took it upon myself to email them my ACTUAL lease during those dates at an entirely different apartment. None of the information that they gave me is verifiable, and Ive provided plenty of of documents in detail stating that this was a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
After reviewing my updated credit report, I am appalled at Experians repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in full compliance with federal law. 
As a XXXX XXXX and father, I carry the heavy responsibility of providing for my family, but these fraudulent entries have severely hindered my ability to achieve financial stability. This is more than just a disputeit reflects the systemic barriers I continue to face while trying to secure a better future for my household. Under 15 U.S. Code 1681c2, Experian is legally required to block all fraudulent information within 4 business days of receiving my identity theft documentation. Your failure to comply has violated my rights under the Fair Credit Reporting Act ( FCRA ).

Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : XXXX XXXX Account Number : XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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  - XX/XX/XXXX Please immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above XXXX XXXX must adhere to 15 U.S. Code 1681c-2 by blocking the entries within 4 business days of receiving this complaint. Experians continued inaction has already caused harm and is a direct violation of my rights under the FCRA. 

For violating my rights, I request you send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2024-12-18 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: MI

Complaint narrative:
My credit report was exposed to a data breach.and I have received multiple pulls on my credit file I did not authorize both hard and soft pull to my 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 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I started a direct deposit to cash app in XX/XX/year>. Every two weeks {$51.00} was deducted from my payroll and deposited into my cashapp account. This went without any issues until this XXXX. XX/XX/XXXX and the XXXX the money was deducted from my pay but never showed up in my cashapp. So I contacted them and they keep giving me generic answers and have escalated my complaint several times but still no money. So I had my payroll department put a tracer I the transactions and sent it to cashapp and still getting generic answers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Wolf River Development Company
State: MI

Complaint narrative:
Started to receive collection calls stating i that I took out payday loan XX/XX/year> for XXXX from CRANE FINANCING and that I owe XXXX I did not take out this loan. 

When I looked at contract in my account I see that number XXXX wrong IP address Number XXXX Bank they claim money was deposited into XXXX XXXX I have no affiliation with any XXXX XXXX Banks This is not my debt and this loan was taken out fraudently in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am filing this complaint regarding a dispute I initiated for a charge of {$430.00} from XXXX on my Apple Card. While the dispute was marked as Resolved and a refund appears to have been applied, my account balance has not been adjusted to reflect the refund. Instead, the system misleadingly shows that the dispute was resolved without any correction to my actual balance. 

This situation raises concerns of improper accounting or potential misconduct, as it gives the appearance of resolution while concealing the fact that my outstanding balance remains inflated. Despite contacting Apple Card support, the issue has not been addressed satisfactorily. 

Key Points : XXXX. A refund of {$430.00} was approved following a dispute. 
XXXX. The account status shows Resolved and Credit Applied, yet my Apple Card balance remains unchanged. 
XXXX. Apple Cards failure to accurately reflect the refund raises concerns about transparency and possible fraudulent practices. 

I request that the CFPB investigate this matter for improper handling of disputes and ensure that my account balance is correctly adjusted. Additionally, I ask for clarification on Apple Cards dispute resolution practices to prevent similar issues for other consumers. 

Requested Resolution : Immediate adjustment of my Apple Card balance to reflect the {$430.00} refund. 
An explanation of why the dispute resolution failed to adjust my outstanding balance. 
Investigation into Apple Cards dispute resolution process to ensure compliance with consumer protection laws. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation