vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 2024-12-07 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-07 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-07 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Youre a big Bank. I dont know. Maybe I was XXXX, but whenever I lost my XXXX credit card and I called you to let you know that Ive lost it. You told me there was XXXX fraud liability and I was told I didnt have anything to worry about. I didnt use the card then I wouldnt have to pay for it well guess what all of that with a lie there was no truth in any of that cause just the opposite happened I reported the fraud as soon as I realized it, you denied it one time and you said I benefited from it so I got a hold of you and I explained the fact once again that I didnt have the card in my possession, we dont know what happened to the card. We dont know where it was at. We were in XXXX, Michigan and the card was used all over the place. I never left XXXX so you open the investigation again and this time you gave me a call and I answer the phone and you tell me that during that time that the fraud was occurring I had access to my account over 100 times that is just a lie I did not check my account at all. I typically do not check the account my credit card account until its time to pay the bill and if I didnt have the card, I definitely wasnt checking it during the period when fraud was happening over 100 times according to you, I asked for you to produce this information. I want to see the proof how you came to your decision oh thats just for Bank use you say so. Im just supposed to take your word for it and youre not gon na honor your 0 % fraud liability. You should be ashamed. Im a good customer and you are not helping at all. Im very disappointed with customer service with your fraud department and shes like if you produce some additional information we can look at it again what information she couldnt give me one example of the information you would need I didnt have the card. I never signed anything I didnt know who had the card I didnt get permission for anyone else to use the card and I definitely didnt benefit from it anyway none of the transactions belong to me. This is crazy. is this really the way you treat your customers?

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate. I've reached out several times, and the inaction is damaging.

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 — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I filed a dispute on account XX/XX/year> it reads the information has been verified as accurate, however, information unrelated to your dispute has been updated ( I DON'T KNOW WHAT THAT MEANS ) and then it says this account has been deleted from credit file but it's still on my file so I call them for the verified information and they told me they couldn't give me any information because they don't have this account on record

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing in reference to the account with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, which you claim I owe. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
I have several unauthorized inquiries on my consumer report suspiciously all on one day and they are as follows. Experian credit reporting agency refuses to dispute these fraudulent inquires further violating my rights to privacy and in willful noncompliance with FCRA, Fair Credit Reporting Act. 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 How it started Date fraud began

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: NC

Complaint narrative:
After reviewing my consumer credit report I noticed the following issues : My current address has not been updated correctly, and all other addresses have been deleted. This misrepresentation of my address history is concerning and could indicate improper data handling by the reporting agency.

Unverified Late Payment : I believe there is a reported late payment that was incorrect. Despite my timely payments, the creditor or reporting agency has not provided proof of this late payment nor updated the record with accurate payment information. This incorrect entry is damaging my credit reputation.

.

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: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX I went into my Bank of america at XXXX XXXX XXXX XXXX XXXX CA, XXXX at XXXX I waited to deposit and get a cashiers check in the amount of {$5800.00} dollars like I do so every beginning of the month. I always count my money before going to the bank, this time The teller/Associate # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX took the money from me and started to talking to another teller before she put the money through the bill sorting machine. Once she put it trough the sorting machine she told me there was only {$4900.00} accounted for. Which I know can't be true. I had {$5800.00} when I entered the bank. I was in distraught not knowing what to do. I gave her {$20.00} to complete the {$5000.00} ( for time being ) and left. I need a through investigation to be done because I am a hardworking XXXX  citizen and need my money associate took from me. Thank you in advance for helping me with this investigation. Spoke to XXXX XXXX, manager?? and was very condescending and rude, said he is not allowed to see the other angles of camera 's. XXXX XXXX head of security is the only person allowed to view other angles.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and I request the immediate blocking and deletion of the following accounts and inquiries that have been fraudulently opened or reported in my name. As provided under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed from my credit report. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: DE

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting. these remarks have been detrimental to my life and credit health.

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 2024-12-07 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: DE

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting. these remarks have been detrimental to my life and credit health.

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: EQUIFAX, INC.
State: DE

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting. these remarks have been detrimental to my life and credit health.

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: GA

Complaint narrative:
After reviewing my credit report in XXXX noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hit someone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of nancial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX credit card, in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud XXXX XXXX XXXX XXXX Account N u m b e r : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A m o u n t : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report in XXXX noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hit someone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of nancial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX credit card, in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud XXXX XXXX XXXX XXXX Account N u m b e r : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A m o u n t : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On the morning of XX/XX/year>, exactly {$1300.00} was transferred from my SoFi savings account into my SoFi checking account and then transferred to an unauthorized user. This total was made in the following amounts and transactions : {$200.00}, {$340.00}, {$110.00}, {$540.00}. 

On the same date and time, two unauthorized XXXX payments were conducted for a total of {$3300.00}. This total was made in the following amounts and transactions : {$1300.00} and {$2000.00}. 

Additionally, there was a cancelled transaction to my ( verified ) XXXX XXXX account in the amount of {$110.00}. 

It should also be noted that a " XXXX XXXX XXXX' account was linked to my SoFi account around this time, which I did not authorize. Please keep in mind that all of the above was conducted without my knowledge or permission. 

I contacted SoFi regarding these transactions and verified that I did not authorize, nor did I have any knowledge of how they came to be. SoFi simply replied with a statement similar to 'wait 10 business days and we will have an answer for you after our investigation. ' I did not receive any reassurance or acknowledgement that the money taken from my account would be restored. 

I am a father and a hard-worker. As of now my account is " restricted '' and I can not even access what is left in my account to get by. I'm stuck and I feel helpless.... I trusted SoFi with my money and now I'm scrambling to pick up the pieces. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am writing to dispute inaccurate information on my credit report related to my XXXX  account ( # XXXXXXXX  ). Specifically, there is an erroneous late payment reported for XX/XX/XXXX, which does not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment reported for XX/XX/XXXX is incorrect. This account has always been paid on time through autopay. 
Violations of Federal Laws : This misreporting violates the Fair Credit Reporting Act ( FCRA ) under sections 15 U.S.C. 1681i and 1681s-2, which require accurate reporting and correction of errors. 
Account Information Account Type : Auto Lease Account Number : XXXX High Balance : {$21000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Open and Current Monthly Payment : {$580.00} Payment History : Incorrectly shows a XXXX late payment in XX/XX/XXXX. 
Requested Resolution I request that Experian investigate this matter and remove the inaccurate late payment from XX/XX/XXXX. Please provide written confirmation of this correction within 30 days. 
Enclosed are bank statements and autopay records to verify my on-time payments. 
Thank you for your immediate attention to this dispute. 
Sincerely, 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 explanation
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am writing to dispute inaccurate information on my credit report related to my XXXX account ( # XXXX ). Specifically, there is an erroneous late payment reported for XX/XX/XXXX, which does not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment reported for XX/XX/XXXX is incorrect. This account has always been paid on time through autopay. 
Violations of Federal Laws : This misreporting violates the Fair Credit Reporting Act ( FCRA ) under sections 15 U.S.C. 1681i and 1681s-2, which require accurate reporting and correction of errors. 
Account Information Account Type : Auto Lease Account Number : XXXX High Balance : {$21000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Open and Current Monthly Payment : {$580.00} Payment History : Incorrectly shows a XXXX late payment in XX/XX/XXXX. 
Requested Resolution I request that Experian investigate this matter and remove the inaccurate late payment from XX/XX/XXXX. Please provide written confirmation of this correction within 30 days. 
Enclosed are bank statements and autopay records to verify my on-time payments. 
Thank you for your immediate attention to this dispute. 
Sincerely, 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 explanation