vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
There are unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Self Financial Inc.
State: SC

Complaint narrative:
SELFINC LEAD # XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/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 I demand Verifiable Proof ( an original Consumer Contract with my Signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
according to Sofi they have information and proof that Ive indeed made those purchases and Im disputing them because I didnt receive them. 

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 Total disputed amount : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was victim of a fraud check that i didn't that it was fraud it happened on XX/XX/XXXX they wanted to an art collab i was happy and they wanted to use me for a painting for their client i said sure why not, they asked for my name and my email they said that they will send in XXXX  dollars in my email account and they want me to put into my bank account so they sent in XXXX XXXX dollars into my email and to send them XXXX in XXXX the money to buy them the art supplies, when it happened my mom came into my room and i was scared to tell her but i told her what's happening and when see saw she informed me that they are fraud checks and told me to quickly call the bank so i did XXXX person picked up and didn't help me didn't even try to help with the issue so i called again i called this lady and she help me a bit she put me into a XXXX  of checks in Bank of America when told what happened the lady on the XXXX  she said that they are fraud checks and if they ask art supplies they are scamming when that call ended i quickly knew i had to go to the bank in person on XX/XX/XXXX, i went to bank of America and they connected me with the lady she informed me that yeah they are scamming and my account was locked so thankful she did say this a good thing the money will erase in a few years but she did say i can make a new bank account but not from bank of America so i was glad to hear that news and i was happy i could make a new account so on XX/XX/XXXX i went to XXXX XXXX and try and make a new account he asked me why did which i told him that a scammer was putting fraud checks into my account i did call bank of America and inform them later on a few minutes go by and help me something that i was so upset about that i need to fix this issue with fraud checks its attached to my social security and when he said that he told me to go back to bank of America and ask them about the issue so i did walk in and i explain the issue with this guy he told me to contact with you guys and to help me with this issue all i have is hope and hoping that this issue can be fixed im going to collage and i dont know if that will cause anything in the long run so please help 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

My name : This is my legal name XXXX XXXX XXXX delete any other references to names as they are not mine and I have never used any of them. 
My address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 

Enclosed are copies of documents supporting my claim, including ( State ID, utility bill ). These documents provide evidence of my correct personal information. 
Please investigate these inaccuracies and update my credit report accordingly. And I request a new report when you have completed so I may continue to verify its accuracy. 

Thank you for your prompt attention to this matter. 


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 non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: SC

Complaint narrative:
The outstanding balance continues to increase although I pay over my minimum monthly payment. This is typical payday lending behavior. The newest legislation surrounding student loans is supposed to alleviate the balance from continuously increasing. At this rate my student loans will never be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I looked at my report back on XXXX XXXX, 2021 and XXXX XXXX 2024 and I notice some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I sent a letter asking them to reinvestigate these accounts listed below because thsese accounts was removed a XXXX year ago now they rereported these same accounts below The credit bureaus have not sent me a tracking number or no information regarding these accounts XXXX XXXX XXXX XXXX XXXX, XXXX {$360.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX. XXXX, XXXX {$1800.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$5500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$6500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$11000.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate These XXXX XXXX  marks Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate They have not responded to me, Can you look into this matter again thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute the XXXX  listed on my credit report. I have a letter from the court confirming that this XXXX  should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RSVP Lending, LLC dba RSVP Loans
State: WI

Complaint narrative:
I had a loan that was placed to multiple creditors. Ive been working with the other companies it went to and was told to stop payments until it was straightened. I had previously paid to these people, but stopped when I realized I was paying multiple people on the same loan. This company has been very scammy and downright illegal about it though. They didnt want to hear that the loan was with different people and failed to provide information such as when they got the account and other things that the other companies provided. One company in particular was great and super professional, trying to do this ethically and get to the bottom of it. XXXX  has been the complete opposite. Calling and emailing at all hours of the day, failing to provide me with information, and failing to find out why they are collecting on a loan I dont own anymore. The language is unprofessional, rude, and they clearly have no idea whats going on. The fact they are still trying to collect on a debt they know is being paid multiple times should be a huge red flag in and of itself. Very shady company. Ive attached proof of XXXX handling the account and them still trying to contact me with a settlement offer ( both the email and settlement offer attachment ) AFTER the fact. You can see the account numbers from the original loan match exactly and amount is the same. Seeing as the newest company took possession of the debt XX/XX/24, they are probably trying to collect illegally on a debt they dont own anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I applied for a Hilton honors credit card  thru XXXX so that if I got rejected it would not show. I had canaled my XXXX XXXX XXXX American express card XXXX months ago after XXXX  years never missing payment because when XXXX took XXXX XXXX over they ruined the rewards program so that it was nearly impossible to get a free room. I was accepted for the card but was told that they would not offer me the promotional benefits to me. They did not disclose that the promotional offer was contingent i don't have a hotel card and it seems that i have been XXXX XXXX  as every time for the past XXXX years I am denied the promotional offers. In 2022, XXXX took my XXXX XXXX miles card and upgraded it to a XXXX XXXX point card which i did not like so i canceled the XXXX XXXX card and applied for the regular XXXX XXXX card which i had pre piously enjoyed and was denied the promotional offer even thought they took the miles card away from me, I did not close that account.. eventually giving me a greatly reduced promotion even after many hours on the phone arguing with them and reminding them that though it has been my main bank for XXXX  years. I can not remember all the cards that i have applied for but they all rescind the promotional offer when they accept me. How is this legal. XXXX turned me down for the miles card at least XXXX times last year even thought they invited me to apply and i have XXXX credit rating and XXXX XXXX in their. its the same with all the card companies except XXXX last year kept their word and I use their XXXX  travel card bank. The last time i applied for an Amex was the XXXX XXXX in XXXX as an alternative to the XXXX  card. I want to get a Hilton card because i do not have a hotel card and the XXXX card has a worthless rewards program so i quit wasting the yearly fee on it. I have not applied to American express for XXXX  years and have not had a promotional offer from them since then. They can not accuse me of churning .So they approve me for the Hilton card but with hold hold the promotion. Why? Am I not allowed to cancel the XXXX Card when they total destroyed the rewards program- I was a member since XXXX and XXXX XXXX was my only Am EX card for XXXX XXXX years? So how come Am EX is allowed to discriminate against me of All the card companies, I haven't had a promotional offer from them since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NE

Complaint narrative:
I noticed a lot of incorrect information and accounts on my credit report. I started disputing last month in XXXX. I was impacted by the data breach then I started paying close attention to my profile.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third 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 non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I have been getting phone calls from Lien Enforcement ( tha 's the name in the coller ID in my cell ) ( XXXX ) XXXX. They are looking for a person that is not related to me and is definately not found in my house or at my XXXX. I have asked them many times to remove my number but they hang up on me and continue to call. 

I advised them that I would be filing a complaint and their reply was to hang up on me. 

They have called me about 5 times in the past two weeks. 


Please help

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry 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 2024-08-19 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX ON XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief