vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-12-06 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-12-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-06 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: NV

Complaint narrative:
This account was charged off on the following date : XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history this inaccurate information falsely manipulates the stature of limitations you failed to investigate this account properly after I asked you to do it XXXX  and your neglect has violated my rights I am demanding a deletion of the following ( 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 2024-12-06 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: NV

Complaint narrative:
This account was charged off on the following date : XX/XX/2020 since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history this inaccurate information falsely manipulates the stature of limitations you failed to investigate this account properly after I asked you to do it XXXX  and your neglect has violated my rights I am demanding a deletion of the following ( XXXX XXXX  XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
This morning, I was shocked to find errors on my credit reportaccounts I dont recognize. I have no clue how this happened! I check my credit report regularly, and it has always been accurate, so seeing these discrepancies just blindsided me. I even refreshed the page multiple times, hoping it was just a temporary glitch, but the mistakes didnt go away. I am pleading for a thorough review of the documents I provided so I can feel safe about this again.

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 2024-12-06 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: MI

Complaint narrative:
My credit report shows hard inquiries that I did not approve, contrary to 15 USC 16c-2. These errors are affecting my credit and need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I recently was looking at my credit card. I applied for loaning me a couple accounts on there that were my score and I live in there were closed and other reasons why at the fair act and I need to eliminate Accounts thats all my report illegally According the fair act 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. Congressional findings and statement of purpose Current as of XX/XX/year> | Updated by FindLaw Staff ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I recently was looking at my credit card. I applied for loaning me a couple accounts on there that were my score and I live in there were closed and other reasons why at the fair act and I need to eliminate Accounts thats all my report illegally According the fair act 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. Congressional findings and statement of purpose Current as of XX/XX/year> | Updated by FindLaw Staff ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

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 2024-12-06 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: GUARANTEED RATE INC.
State: MI

Complaint narrative:
XX/XX/year>. XXXX XXXX Mortgage. XXXX XXXX with Guarantee Rate ( XXXX ) said that they will only do a soft pull on my credit report. On XX/XX/year> I got alert from several credit reporting agency, XXXX XXXX, My Banks that i had a Hard Pull and my excellent credit when Down. I did not authorize a hard pull. I confirm with XXXX XXXX and XXXX and he said only a soft pull. The hard pull must be removed from my credit reports ( XXXX, XXXX, XXXX ) Immediately. The company that Guarantee Rate Used to Pull my credit report was XXXX XXXX on XXXX XXXX. 

Guarantee Rate Rate.com XXXX XXXX # XXXX  # XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Phone XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: MI

Complaint narrative:
XX/XX/year>. XXXX XXXX Mortgage. XXXX XXXX with Guarantee Rate ( XXXX ) said that they will only do a soft pull on my credit report. On XX/XX/year> I got alert from several credit reporting agency, XXXX XXXX, My Banks that i had a Hard Pull and my excellent credit when Down. I did not authorize a hard pull. I confirm with XXXX XXXX and XXXX and he said only a soft pull. The hard pull must be removed from my credit reports ( XXXX, Equifax, XXXX ) Immediately. The company that Guarantee Rate Used to Pull my credit report was XXXX XXXX on XXXX XXXX. 

Guarantee Rate Rate.com XXXX XXXX # NMLS # XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Phone XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon checking my latest credit report, I discovered multiple accounts that I suspect were added fraudulently. Please take action to block and delete these accounts 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 2024-12-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fay Servicing, LLC
State: MO

Complaint narrative:
I had a bankruptcy that discharge this debt in XX/XX/2014. My ex-husband still has the loan in his name. They reported the debt to my credit report which is now significantly dropped my score when I call XXXX XXXX  they do not return any of my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-06 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: TX

Complaint narrative:
To whom it may concern : According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you XXXX  days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2024-12-06 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:
Complaint Regarding Dispute Handling and Failure to Refund Seller Dear CFPB, I am writing to file a complaint against Apple Card regarding their handling of a dispute that was rebilled to me as the customer. Despite their decision to hold me responsible for the payment, they have failed to return the corresponding funds to the merchant. 

This behavior appears to constitute mismanagement of funds and raises concerns of potential embezzlement. I have contacted Apple Card to request proof that the funds were refunded to the seller, but they have either refused or failed to provide any such evidence. 

I urge the CFPB to investigate this matter thoroughly, as it reflects a serious breach of ethical and legal standards. Attached, you will find all relevant documentation, including transaction details, dispute communication records, and rebill notices. 

Thank you for your attention to this matter. Please let me know if you require additional information or documents. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
Upon checking my credit report, I came across multiple accounts that I believe were added without my knowledge. Please block and remove these accounts at once.

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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
Formal Complaint Against Self Lender Inc. for Unfair Practices and Potential Consumer Law Violations Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Self Lender Inc. for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Self Lender Inc. made a material change to its credit card processing system without notifying me, eliminating the ability to make direct payments. Despite my diligent efforts to meet my financial obligations, this unannounced change obstructed my ability to process payments in the manner previously established. To exacerbate matters, Self Lender Inc. began reporting late payments to credit bureaus, which has unjustly damaged my credit report and financial standing. 

This practice raises significant legal concerns : Failure to Notify of Material Changes : Under federal law, creditors are required to provide adequate notice of any significant changes to the terms or methods of payment to avoid consumer harm. Self Lender Inc. 's failure to inform me of these changes is not only deceptive but also potentially violates the Truth in Lending Act ( TILA ). 
Inaccurate Credit Reporting : By impeding my ability to pay directly and subsequently reporting late payments

, Self Lender Inc. is in potential violation of the FCRA, which mandates that all credit reporting be accurate and fair. The late payments attributed to me are a direct result of the company 's unilateral system changes and not a reflection of my intent or financial behavior. Unfair and Deceptive Practices : This situation also appears to violate the Consumer Financial Protection Act 's prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ). Changing payment systems without notice and then penalizing customers for resulting payment issues is both unfair and harmful. I respectfully request that the Consumer Financial Protection Bureau investigate Self Lender Inc. 's practices in this matter. Specifically, I urge the CFPB to compel the company to : Remove the inaccurate late payment entries from my credit
report. 
Provide a clear explanation and documentation of the system changes and why proper notice was not given. 
Implement safeguards to ensure other consumers do not face similar harm.

The financial and emotional damage caused by this unfair treatment has been significant, and I trust that the CFPB will take appropriate action to hold Self Lender Inc. accountable for these violations.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: OH

Complaint narrative:
I have an issue with XXXX XXXX XXXX XXXX. They have sent a bill into collections for a month of service not used. On XX/XX/year> I switched television/internet/phone service from XXXX XXXX XXXX XXXX  to XXXX XXXX The deactivation date for my account was XX/XX/year>. On XX/XX/year> I received email confirmation of the return of XXXX XXXX XXXX XXXXXXXX XXXX  equipment to them. In XX/XX/year>, XXXX XXXX XXXX XXXX sent a bill for XXXX usage of said services. I contacted XXXX XXXX XXXX at that time letting them know I couldn't have used its service as I was no longer with them. I have sent copies of the correspondence I received from them concerning the cancellation of service as well as the receipts for the equipment, but yet they continue to try to collect for a month after all services had been deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX  XXXX XXXX BALANCED {$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 non-monetary relief