vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: IN

Complaint narrative:
FCRA 605B, in my interpretation, demands the exclusion of any mistaken accounts from my credit report. Would you mind examining the paperwork? Certain accounts listed are inaccurate in terms of reporting, amounts, and dates.

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 2024-04-04 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: IN

Complaint narrative:
FCRA 605B, in my interpretation, demands the exclusion of any mistaken accounts from my credit report. Would you mind examining the paperwork? Certain accounts listed are inaccurate in terms of reporting, amounts, and dates.

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 2024-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Good morning, My name is XXXX XXXX. I am filing this complaint against Sunrise Credit Services , Inc . This is what happened : On XX/XX/2024, I filed an arbitration process against this company through the XXXX XXXX XXXX ( XXXX ). 

Recently, I received a notice from XXXX stating that they declined to administer my case because Sunrise Credit Services , Inc. failed to comply with XXXX policies regarding consumer claims. 

I request that an investigation be initiated against the company for evading its responsibilities and responding formally to the arbitration process. 

This situation has been difficult for me ; my emotional and financial life has been affected by this problem. 

Please see attached the document from 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's my understanding that FCRA 605B necessitates the deletion of any faulty accounts from my credit history. Could you review the documents? Some of the accounts listed exhibit inaccuracies in reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

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 2024-04-04 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-04 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: EQUIFAX, INC.
State: SD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These companies accessed my credit report without my consent. A violation of my Rights, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
# XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX. XXXX XXXX Location XXXX XXXX XXXX XXXX, OR XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX - XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX The Companies Below ran my credit multiple times, some during the same day. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/2024 I called Experian Credit Reporting to request they reverse charges for Experian XXXX XXXX : {$24.00} per month. 

I asked Experian to reverse the charges and cancel the membership for Experian XXXX, they said they will cancel the membership but not reverse the charges. 

They say they will not charge me anymore.

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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

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 2024-04-04 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: MI

Complaint narrative:
espite ample evidence of violations presented, Experian has opted not to remove the debt, despite no changes being made to the report. Experian Violations : 1. Failure to Provide Comprehensive Verification ( Code : XXXX ) : Experian neglected to conduct a reasonable reinvestigation within the mandated timeframe, as demonstrated by insufficient documentation from XXXX XXXX XXXX. This breaches FCRA Section 611 ( a ) ( 1 ) ( A ) and the corresponding Metro 2 standard, Field 76. 2. Delay in Responding ( Code : XXXX ) : Experian failed to respond within a reasonable period despite receipt of my letter dated XX/XX/year>, thereby violating FCRA Section 611 ( a ) ( 1 ) ( A ) and the Metro 2 standard, Field 79. XXXX XXXX XXXX Violations : 1. Failure to Provide Comprehensive Verification ( Code : XXXX ) : XXXX XXXX XXXX 's documentation inadequately links the debt to me, contravening FCRA Section 611 ( a ) ( 1 ) ( B ) and the Metro 2 standard, Field 76. 2. Neglecting to Address Dispute ( Code : XXXX ) : XXXX XXXX XXXX failed to promptly investigate and address my dispute, breaching FCRA Section 611 ( a ) ( 2 ) and the corresponding Metro 2 standard. 3. Shifting Burden of Proof to Consumer ( Code : XXXX ) : XXXX XXXX XXXX wrongly shifted the burden of proof to me, violating FCRA Section 611 ( a ) ( 6 ) and its Metro 2 counterpart. i have uploaded proof

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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: IN

Complaint narrative:
Kindly eliminate these inquiries ; I lack any information on them, and the company proceeded without my authorization.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: MI

Complaint narrative:
TransUnion is currently reporting an account under XXXX XXXX that has been successfully removed from both my XXXX and XXXX reports due to inaccuracies. Despite this, and despite providing evidence of these inaccuracies, TransUnion persists in retaining these erroneous accounts on my report. This action blatantly contravenes the Fair Credit Reporting Act ( FCRA ), particularly violating FCRA Section 611. I am seeking prompt resolution in accordance with this code, which necessitates the immediate termination of inaccuracies.

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 2024-04-04 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I applied for a loan with One Main Financial in the amount of {$6000.00} I was approved but then when I spoke to someone I was denied because I had to use my vehicle for collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I saw sofi advertised and thought they would be able to help me get my life in order and fix up my house, so in good faith I applied for an extension of credit and was not told they would be basing my application on a third parties opinion of me and that they would discriminate against me based on a number. They did not make it clear and conspicuous that they have a number raking system to say yay or nay to. I tried speaking with an agent to get clarification and that is when I was told that a XXXX digit number, that was found within seconds, was the reason for my denial. They then proceeded to say they rechecked my information, which again took seconds, and " confirmed '' that the XXXX digit number was the cause. I then asked for my concerns to be moved to a supervisor because I wanted to know how they were able to share my information with a third party without my consent and how they were able to make such adverse actions against me and told I would be connected with a supervisor. I was not and the chat was over. I have yet to hear back and keep getting offers to see my rates. How can I have rates and offers if they already have a determination against me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

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 2024-04-04 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: TX

Complaint narrative:
I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
on XX/XX/2023 loan number XXXX with ally auto financing was modified. 
the old loan was paid out and the new loan was created with modified terms. 

i need a letter from ally auto financing indicating that old loan was paid out by seller ally auto finance, and buyer is also ally auto finance. 

this proof of letter from ally auto finance is required for a legal matter. 

thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
See the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

Company response to consumer: Closed with explanation